The proliferation of ‘factory outlets’ or ‘manufacturer-direct’ prices has become common place, but are we getting true ‘outlet or direct’ prices?

The middleman, agent or even retailer is suffering in our modern internet-based environment and big-box stores which appear to offer rock-bottom prices but still make enormous profits are commonplace.

The world of agents from insurance to travel to financial are feeling the crunch as they are rapidly being considered as expensive cost overheads by the producer, provider or manufacturer.

The airlines started the demise of the travel agency system when they started eliminating agent commissions and over-rides and turned to online booking systems aimed directly at the consumer, forcing some retail agencies to charge additional booking fees. Now you can find airline reservation sites charging fees for online seat selection plus anything else that they can get away with. Are the savings they are making being passed on to the consumer?

Insurance companies began advertising for direct dealings as did banks with their development of in-house financial planners (not at all independent, but merely another name for a bank products salesperson). Are they keeping the old commission for themselves or do they pass on the savings to the consumer?

Let’s focus on one of the consumers’ largest expenditures over a lifetime – recreational travel, business travel, vacations and trips and the Retail Travel Agent or Agency:

1.These were really needed before the consumer could access websites from B&B’s to Hotels,
Luxury Lodges and Tour Operators or if you wanted to pick up an expensive glossy brochure.
2.These were really needed before travel providers and tour operators enabled the consumer to
book directly with them on the internet with reservation systems and booking requirements that required little training or expertise.
3.These were really needed before airlines promoted their own booking services and became more greedy for any extra percentage or fee and wanted to be rid of travel agents as expensive and redundant overheads.

Now, these agents are only really needed if travelers want knowledge, experience and expertise of specific destinations, activities or tour companies, or of course, those travelers still not using the web.

Let’s not feel too sorry for retail agents as top-notch travel consultants are essential to travelers who have complex itineraries or who are venturing to the lesser know areas of the world. All is not dark for travel agents with knowledge, experience and expertise as consumers who need these professionals now have access to them with the web wherever they may be located and no longer need to use local agents unless they have the requisite skills. But, they still have to be found as they may not be in your local area or even in your own country.

There are various forms and levels of travel middlemen – Inbound Tour Operators, Wholesalers, Retail Agencies, all of which earn a percentage from the original travel provider for their advertising, promotion and sales efforts, these percentages can be anywhere from 10% to 25% or even more! When you see a travel advertisement offering $200 off per person and you book through a retail agent, you are still paying the commission, so by booking directly with the operator you should get the special offer and also save the commission.

Some travel operators already offer their products directly to the consumer but at the same prices as the consumer would get from a retail agent. Fair enough if these providers do not use middlemen but if they also sell through retailers their prices should be ‘net of commissions’ for direct bookers and ‘retail’ for agency sales.

When the consumer goes directly to the travel provider these middlemen percentages should not apply but the provider is sometimes in a predicament. To show a net price and retail price on their website could deter the middlemen from handling their products. Until now.

Travel providers are now able to offer net prices directly to consumers by using the TopTravelVoucher services. This website is in effect operating as a travel agent who does not sell travel on behalf of travel operators, but generates travelers who go directly to the providers for information and bookings. As the website does not need bricks and mortar offices, expensive glossy brochures, familiarization trips and computer reservation systems plus all the other paraphernalia of operating a travel agency, it is able to rebate sales commissions to travelers as a reward for handling their own arrangements directly with the travel operators.

This innovative consumer travel service offers travel discounts in over 70 countries to travelers who purchase their deeply discounted TopTravelVouchers. They offer their services to the global travel trade community and to the global traveler. They do not charge the travel trade for any promotion services and allow multiple listings for any kind of travel product as long as the consumer gets net pricing.

The consumer does not have to buy before seeing the travel offer and can also buy the vouchers to be used as gift certificates. All vouchers come with a 100% money back guarantee and even if the traveler is unhappy after completion of travel the monies for the vouchers are still 100% refundable.

At present you can get TopTravelVouchers for Escorted Tours, Eco Tours, Adventure Tours, Small Boat Cruises, Lodges, Resorts, Hotels, B&B’s and new products are arriving on a daily basis.

Some tours offer a flat percentage off of the retail price while other vouchers have a fixed value. One voucher for a Greek Cruise has a value of 1,500euros and can be purchased for only $100usd and there are many escorted tours around the world offering a 10% discount on the tour price, which can be significant depending on length of tour and number of travelers. If you have a family or group of travelers you can often buy a voucher for each person (there is a particular 7 day Thai River Rovers cruise that appeals to me if I can find a few friends to join the charter).

So now, no matter where you live or where you want to go, you can book discounted travel from your home, cyber-cafe or laptop anywhere in the world. You could be in the offices of a tour operator and go online and get a voucher and then hand it over to get instant savings. Not bad eh?

This website and concept is a first for the internet and with the support of the global travel trade from the smallest of travel operators to the giants, it can only grow larger with expanded product selections and savings as this aspect of internet travel is on a seemingly endless growth path.

Travelers who go directly to travel websites must do their own due diligence, talk free with skype, 800 number, or email with the operators, read testimonials, check the latest pricing and last minute deals, make a booking and check for deeply discounted TopTravelVouchers in order to get fairer fare prices. If your tour operator does not offer a ‘net of commissions’ tour price when you do your own bookings, ask for it or suggest they start to offer these vouchers and you will start saving on your travel.

Although this service is not yet a household word for travelers the TopTravelVoucher service is on the way to making a difference in that we can now find true outlet prices for a lot of travel choices directly from tour operators, wholesalers and even retail travel agents who often operate their own in-house tour programs. All want to expand their reach to the ever expanding international client base of travelers comfortable with handling their own travel arrangements and who all want fairer fare prices.

We like to freshen after long days of work, sometimes we fed up with our daily life. Busy and hectic life is not always good, our mind and soul needs some refreshments. Sometime, we need to break free and go for some refreshing travel.

Traveling to the new places and within different people and culture gets your body and mind re-energized. There are several time for travel You can go for weekend travel, a week travel or a months long travel. Some might like adventure travel and some like to explore new culture, food and traditions. One can choose nature of their travel according to time frame and interest.

For instance, we can categorize travel into two different segments, one is inbound traveling and other is outbound traveling. In bound travel refers to traveling inside one’s country, where outbound travel is traveling to another country. People do not only travel for fun, they travel sometime for business purpose too. For instance, meeting new corporate parties or to explore new business ventures, for this one needs everything that business class service has to offer. You are recommended to choose a dependable travel company or travel tour operators, who have a long experience of organizing, otherwise your time and money can go waste. You can also get advice from family members or friends who already have an experience of traveling that place in which you are going to.

Before deciding, you need to keep in mind many things such as booking a flight, train ticket to go to another country or city, booking a hotel or suite where you are It is a wise decision to book all these from a certified travel company or tour operators, they will manage all your traveling needs according to your requirements including hotel booking, flight, train ticket reservation, excursion or tour packages. You have to plan or book your travel in advance otherwise it can be problematic to get tickets and everything gets high-priced in the last minutes, as you know.

Before going for a vacation to another country there are few things you must ensure to check first-hand, about passport and visas, travel insurance, custom rules and regulations of visiting country and also the weather conditions. You must bring appropriate clothes according to the weather condition of the new place, if you gather information about customs, religions and society of visiting new place or country it will be very easy to travel as you are well aware of the situations.

Choosing a responsible and experienced travel company which provides the lowest ticket pricing and lowest travel package cost makes your travel pleasant and memorable.

Luxury in the way that you furnish your home

There is a school of thought that says that you should indulge in luxury regardless of whether you can afford it or not. The iconic piece of furniture in the form of the timeless black leather couch is one of the luxuries that you can bring to bear on your house. It is an item that will cost you a significant amount of money. At the same time it oozes class and sophistication. You should not get worried that it is up to you to manage the different elements that go into the creation of the different couches in the home that bring their own flavor to the decorative scheme in the living rooms. They are items that have been done to high specification.

One of the things that will trouble you is cost. You have to rationalize the expenditure that you are going to put on the products for the modern age that is used to improve the appearance of different living spaces within the constraints of the family budget. It might be enough to buy a small car. This might represent an indulgence that is going to set you back in terms of your financial planning. There has to be a reason for this purchase or spouse might query the decision. The first thing that you have to remember is the fact that you are getting good quality. This happens when you purchase the reviewed furniture items that are supposed to give the person a great outlook on the different product items that work in their favor. That justifies the costs when they come in.

It is also unlikely that you will have the need to buy similar items in the short term when you go for the new products that are used to improve the general stylistic qualities of a given living area. These are beautiful things that are expected to last the home for a significant period of time. In fact the owners are normally so proud of their purchase that they will take extra care to ensure that the item is well protected. This is what is expected and this is what should happen in normal circumstances. You get assurance and confidence when you purchase the Modern furniture center pieces that bring a touch of glamour to the living rooms of ordinary families. Even the people that visit your home will be impressed.

It is up to you to work out whether the efforts that you put into the glamorous furniture items that bring great joy to the home owners are worth it. Your family might feel that the money could be used in a different format but you are just holding on with some stubbornness. These are the risks that you are going to take and it is up to you to ensure that you have the right mix of ingredients to work them out. In short you would expect that your great furniture will make sense. If it does not then you will have wasted a good deal of money. That is something that you should avoid.

Your Lifestyle, Your TV

With the choices now available for entertainment centers, choosing the TV furniture that suits all aspects of your lifestyle has never been this easy. From wall units for compact living spaces to really modern entertainment centers for the techno-savvy, shopping for TV stands is now as exciting as fashion bargain-hunting for the stylish women or car shopping for the auto-fanatic men.

So what are these choices for your dream entertainment center? Let’s check it out one by one.

TV Armories: Furniture and TV in One

Gone were the days when armories are mainly used for wardrobe storage. This piece of furniture is now fast becoming a living room favorite.

Those who opt for the more formal look, armories are ideal. Among the great features of entertainment or TV armories are:

  • Your TV, component, and other entertainment equipment can be installed in just one place.
  • A great storage for electronic accessories and media component accessories. No need to spend time looking for that remote control, microphone, or connecting cables. They’re all in there!
  • Can be used to put life in an otherwise boring living room or bedroom. Remember, it’s also a piece of furniture.

Popular choices for armories are hardwood, as these are considered classic and durable.

This choice is appropriate for big houses and for families living in the country or villa.

Corner Units: Maximized Space

Corner units are ideal for those with small living spaces such as condos and apartments. Who says that you need to have a vast space in order to have your own entertainment center?

Moving in to that chic yet compact condo? Consider a corner unit as your entertainment furniture.

Modern TV stands such as plasma TV stands are ideal for corner entertainment centers since most of these stands are designed really for city living. What’s interesting is despite the tight space, these units can pack in all your gadgets and TV accessories. Cool!

Entertainment Wall Units: Your Wall like Never Before

Entertainment wall units like armories are also great furniture that completes the look of your living room or bedroom. Most units are comprised of several pieces combined to form single furniture, the TV, being the focus. Like the other options mentioned, it also stores the different entertainment accessories.

Side by Side Units: A No-nonsense Option

Some people who opt for utility and ease choose side by side entertainment units. These units, usually of around 60″ width functions both as storage and furniture, with the TV on one side and cabinets for the components and accessories on the other. The modern versions of the side by side units even include other appliances such as TV and fridge side by side.

TV furniture has indeed come a long way… entertainment, storage, home furnishing all in one to suit all tastes and lifestyle.

To the uninitiated, it can be easy to commit a lot of mistakes when it comes to adapting bohemian clothing fashion. But there are unique set of guidelines when it comes to boho fashion, which its meaning have often been construed in the popular media. But still, the popularity of this particular fashion style is undeniable, specially with lots of celebrities adapting it as well.

To get an idea of what your choices should be, read on below.

Contrary to popular belief, bohemian clothing is not made up of baggy clothing. Instead, you need clothing articles that fits properly. The most common trend in the bohemian style include tie dye tops and skirts.

And speaking of tie dye, appealing colors is another distinct feature of bohemian clothing. You can wear Capri pants and pair it with a top that is made out of appealing colors. You can also wear a Boho gown paired with a heavy sequin. Or better yet, you can wear a maxi skirt to showcase your fun and bubbly personality.

The choice of jewelry is another feature in your bohemian clothing ensemble that could often make or break the entire look. Recommended choice of jewelries and accessories include handcrafted jewels made out of beads, stones, and semi precious gems.

For the women, a bohemian purse is another style element that could make a lot of statement. It can be made out of either silk or cotton and you can tag it along even during formal events. Thus, there is no need to abandon your bohemian style wherever you may be.

And finally, your choice of footwear is the final tier in your effort to adapt bohemian clothing style. The most distinct feature with boho footwear is that of comfort. Hence, color choices are often intended to promote relaxing mood, such as brown, olive green, and tan. As for the design, there are a lot of stylish ones to choose from – you can go for boots, gladiator sandals, suede, and so much more.

When it comes to bohemian clothing, it is all about putting all the bits and pieces that make up the whole and showcase your true boho personality.