Budgeting for RAAM Updated: November, by Race Across America, LLC (Colorado). All rights reserved.

Size: px
Start display at page:

Download "Budgeting for RAAM Updated: November, by Race Across America, LLC (Colorado). All rights reserved."

Transcription

1 Budgeting for RAAM Updated: November, by Race Across America, LLC (Colorado). All rights reserved. RAAM is an expensive endeavor by most accounts. Spending more than $15,000 for the event itself, not including training or equipment is a lot of money. To put this in perspective however, it costs more than $60,000 for an ascent of Mt. Everest, a year of college is more than $20,000, an average American car is more than $20,000. The rewards of finishing are immense and easily outstrip any monetary cost. Lon Haldeman, multiple winner, once said you couldn t pay him enough to race. Or to quote the Visa commercials, the reward is Priceless. This will not tell you how many crew people you should have or how many vehicles, or any particulars. It will give you an idea of the areas you will need to budget for the race itself. Expenses for bike equipment, etc. is another matter entirely. You should review the document on Supplies to get an idea of what supplies you might want to consider. We will give some hints as to where to find each item and ways to reduce the cost. You will want to balance out your budget against the number of crew and the extent to which you have the extras. There is certainly a minimal cost for the entry fee, gas, and costs associated with a minimal crew such as food, transportation, and lodging. Costs increase as you add more crew. Costs increase as you add more substance such as an RV, customized clothing, or a full control panel for lights, music, etc. On the other hand, you should not go too much on the cheap with too little equipment or too few crew. You jeopardize your chances of success and the crew may be entirely stressed. You can spend as much as you want on the race, but money won t guarantee you a finish, perhaps a more comfortable crew, but not a finish. There is no correlation between money spent and chances of finishing. These categories are similar for the 24 Hour Challenge and the 1000 mile race. You will need to adjust the numbers based upon your event. Page 1

2 Entry Fee The cost to enter the race. Consult the RAAM website for entry fees for your Race and your Division. Vehicles The best solution is your own personal vehicle(s) or the generosity of using friend s vehicles. The other option is to rent a vehicle one way from the start to the finish. There are only three companies in the US that do one-way rentals Hertz, Alamo, and Dollar. Expect to spend $1200- $2000 for one vehicle. To reduce costs some people are able to find sponsors (automotive companies or auto rental companies) to donate vehicles for use during the race. RVs The best solution for RVs is have your own or to borrow one from a friend, otherwise, you will need to rent own. The expense of renting an RV will be a large part of your budget, both for the rental and the gas, but in many cases it s worth it if you can afford it. Expect to spend more than $2500 for an RV rental. There are few ways to reduce costs for RVs unless you can borrow one from a friend. Gas For each Vehicle you will need to consider gas. Gas is currently (Nov, 2007) about $3.00 per gallon. Most vehicles will get approximately 15 miles per gallon. For a typical vehicle this is approximately $600 for one-way. Most RVs will get less than 10 miles per gallon, so expect to spend approximately $1000 on gas for an RV. If you drive a vehicle round-trip from home to the start and back, add another $600 for the return trip. There are few ways to reduce costs go gas unless you work for a gas company and can get sponsorship or discounts. Rental Insurance One last consideration for vehicles is whether to use the insurance provided by the rental company. If you should have an accident of any kind, this insurance can be a tremendous advantage as you have nothing to worry about. Without this insurance you will have to deal with your insurance, the insurance of the person driving, the rental agency insurance, and the insurance of the other parties in the accident. Expect to pay $25 per day for rental agency insurance and more for RVs. Page 2

3 Lodging at Start You are likely to be at the start 2 or 3 nights before the start. You can often put 4 people in a room with people sharing beds. You might consider a room with just 2 people for Racers. Oceanside is somewhat of a destination/resort community. You might be able to find a rental house or condo for several days. This may or may not be cheaper. It may be a little more cozy than a hotel. Make sure it has sufficient parking for your vehicles. Arriving a day earlier will cost a little more, but leaves more time to get everything done and relax just a little. If you have friends or relatives nearby, they might be able to help a little, though most people cannot accommodate a full Crew and Racers. If you have rented an RV, you could stay in the RV or find a campground. We recommend staying in a hotel for these nights as these may be the last full nights of sleep you will get for awhile. Reducing costs is difficult. RAAM is able to secure group rates to help reduce costs. Expect to spend $90-$100/night for a room. Lodging During the Race This is entirely up to your race plan. For Teams, plan for at least 2 nights with 2 or 3 rooms to get some good showers and a little rest. For Solos, consider at least 3 nights with 2 or 3 rooms again to get some good showers and a little rest. There is no good way to reduce costs other than to not use any lodging other than your vehicles. Costs can vary significantly, even as low as $40 per night depending on where you are. This budget is entirely dependent on your race plan. Lodging at the Finish You are likely to be at the finish 2 or 3 nights after you finish and depending on when you finish. You can often put 4 people in a room with people sharing beds. You might consider a room with just 2 people for Racers. Annapolis does have does some for rents. This may or may not be cheaper. It may be a little more cozy than a hotel. Make sure it has sufficient parking for your vehicles. If you have friends or relatives nearby, they might be able to help a little, though most people cannot accommodate a full Crew and Racers. Again you can stay in your RV if you have rented one, but my this point you are more than likely ready for a real bed. Reducing costs is difficult. RAAM is able to secure group rates to help reduce costs. Expect to spend in excess of $100/night at the finish. Page 3

4 Transportation to the Start and home from the Finish Every Racer and Crew person will need transportation to the start and then home again from the Finish. You have several options: Flying is the most convenient, though perhaps the most expensive. For US tickets, expect to spend $250-$400 per person. For international, expect to spend at least $750 person. Train. Amtrak runs through most major US cities. It s probably ½ to 2/3 the cost of an airline ticket. The trouble is the time is takes to travel by train. It s at least 24 hours for every 1000 miles. Drive. Crew can drive home with one of the vehicles used during the race. This may not be much cheaper than flying considering gas, food, and hotel costs. With several people driving, you can take turns and by back sooner. It s generally expected that the Racer(s) will pay for the transportation for Crew. Consider consulting with a travel agent who can help you find good fares. Reducing costs is difficult. Consider approaching friends with many Frequent Flyer miles which they can donate to you for flights. If crew are generous and pay for flights themselves or use Frequent Flyer miles consider that a gift. If you work for an airline or have a relative that works for an airline, they might be ale to help somewhat, but airlines don t go much sponsorship. Page 4

5 Meals and Food There are many pieces to food and meals to consider Food/Meals for Crew Before, During, and After the Race Start Banquet Finish Banquet Food and related Supplies (ice, water) for Racers During the Race Banquets You are provided a number of banquet tickets for the Crew and Racers for the Start and Finish Banquet. General practice is the Racer pays for these and this isn t very expensive to buy a few extra. Expect to spend perhaps $100-$200 for this. If you have guests at either, you can negotiate with them who pays. Racers Most Racers have a preferred liquid nutrition that they will bring a full supply of for the race. Many on 8-Person teams don t necessarily need the liquid nutrition and will eat regular food. With liquid nutrition, you will generally only need to buy water and ice and perhaps some food. Consider budgeting $10-$25 per day. For Racers that will eat solid food, they will have a good appetite. Consider budgeting $15-$35 per day per Racer. A full supply of liquid nutrition for the race could be $300. You will have to assess what you use and how much you need and how much is costs per calories. A Solo Racer or on a 2-Person Team will consumer in excess of 7000 calories a day. A 4-Person Racer may consumer calories a day while an 8-Person team may consumer 4000 calories a day. Crew It is common practice for the Racer(s) to pay for some or all of the Crew food within reason. It s also common practice to expect Crew to pay for some of their food. A good practice is to practice $15-$25 per day of cash up front. If Crew spend beyond that, they are on their own. For example, a Solo Racer will likely race for an average of 11 days plus 3 days for start and finish. That s 14 $20/day or $280 each. There are several ways to reduce costs If you are able to make meals for the Crew, such as rice or spaghetti, your costs will be significantly reduced. Consider finding a food sponsor who can provide food to bring along. Consider finding a food sponsor who can provide meals along the route. This is more of a challenge to find a national chain. This could be a grocery or a restaurant chain. If Crew are generous they may pay for their own food. Don t eat out shop at grocery stores and make your own sandwiches. Page 5

6 Clothing and Memorabilia Within this area are several pieces to consider Cycling clothing Team/Crew clothing RAAM memorabilia Some Racers have custom jerseys, jackets, or shorts made for the race. These look great and very professional. A jersey design can be several hundred dollars and each piece of cycling clothing is likely to be $50 or more. Many Teams have Team clothing polo shirts, t-shirts, jackets with the Team name on it. It may also have sponsors names. This can build team unity when everyone looks the same. This can be as simple as a t-shirt or really nice jackets. Again expect to spent $100 or more on a design. T-shirts are usually relatively inexpensive around $10 each while polos and jackets generally increase the price. You are likely to want some RAAM memorabilia to remember and commemorate your journey. You may also buy RAAM memorabilia for your crew members. To reduce costs, consider finding a friend who can do some graphic design for you. For clothing, consider finding a clothing sponsor. You might also consider printing additional clothing and selling it for a fundraiser (such as socks). Expect to spend at least $200 for one t-shirt for crew member. Vehicle Setup Expect to spend at least a little bit of money for supplies to equip Support Vehicles, especially Follow Vehicles. This can include organizational supplies such as plastic draws or baskets. You may also build a bed for Racers to sleep. Being organized with easy to access and easy to reach supplies will help you stay organized and focused on racing, not on finding any particular item. You will also need to consider a bike rack (a roof rack or rear rack), rear lights, slow moving vehicle triangle. You can take this even further with exterior music system, wired in rear lights, additional front lights, PA systems, etc. To reduce costs, consider borrowing racks or lights from those who have raced before. You might also be able to find a friend who is an electrical whiz, they will probably have fun playing with your vehicle Expect to spend at least $250 for basic equipment. Shipping If you are not driving at least one Support Vehicle to the start, you will likely have to ship some of your supplies to the start, including bikes, spare wheels, and perhaps some other supplies. Expect to spend at least $300 is you have to ship supplies. Page 6

7 Communication Equipment You will need to communicate between Crew members, Support Vehicles, to the Racers, and to Race Headquarters. There are several means of communication; cell phones, handheld radios, CB or equivalent. Most people have a cell phone. They may or may not be willing to use their minutes for the race. Remember also that about 2/3 to ¾ of the race has cell coverage. A TracFone is a good alternative which are available from Target and Wal-Mart. You pay a minimal cost for a phone and charger and then you buy minutes. TracFone generally has very good coverage because they use all the networks. You can purchase handheld walkie-talkie type radios. These are relatively inexpensive (less than $100) and have a range of about 1-2 miles depending on terrain. You can purchase or rent professional radios such as those by Motorola. These are similar to CBs and can have a range of 5 to 15 miles depending on terrain. The overall costs for communication equipment is relatively small. Still, having crew use their own cell phones or using smaller radios reduces costs. Expect to spend at least $200 Navigation Equipment Navigation is fairly straightforward, but having a few supplies is necessary. At the very least this is the route book and pens, You should also consider calculators, maps, flashlight, batteries, a clip board, highlighters. You can take this further with electronic navigation such as handheld GPS devices, in-car GPS devices, or computers. Expect to spend a minimum of $100 for some supplies. Misc Supplies You should look at the document about Supplies. You likely have much of it, but may want to consider purchasing some additional supplies. This can be anything from fuses to spare keys to contact paper. Expect to spend $500 or more on supplies. Of course this is reduced by already having supplies or borrowing from others. Other You may have other expenses that are not covered here as well. Plus 10 You should always budget an additional 10% for the unexpected. You might have a flat tire on a vehicle or have an extra night at a hotel. There are always unexpected expenses. Page 7

8 Crew Cost To give you some idea of the expenses associated with each additional Crew, here is a small tally. Cost Item Transportation (airface) $350 Lodging at Start (1/2 hotel room for 2 nights) $100 Lodging at Finish (1/2 hotel room for 2 nights) $100 Food (14 $20 per day) $280 Clothing (1 t-shirt) $ Total $850 Page 8

9 RAAM Budget Worksheet This worksheet has sub-worksheets to help breakdown the overall process Item Entry Fee Vehicle #1 Total Vehicle #2 Total Vehicle #3 Total Vehicle #4 Total Vehicle #5 Total Lodging at Start # of Crew / # Per Room * # of Nights * Cost Per Night Lodging During Race (your estimate) Lodging at Finish # of Crew / # Per Room * # of Nights * Cost Per Night Transportation Total Start Banquet How many tickets you need (crew, racers, guests) How many tickets you get with your entry How many to Purchase * Ticket Cost Finish Banquet How many tickets you need (crew, racers, guests) How many tickets you get with your entry How many to Purchase * Ticket Cost Racer Food (your estimate) Crew Food How many Crew * # of Days * Per Diem Clothing and Memorabilia Communication Equipment Phones Car to Car Radios (Rental or Purchase) Car to Racer Radios (rental or puchase) Other Vehicle Setup Bike Racks Lights and Signages Other Cost Page 9

10 Navigation Equipment Shipping Misc Supplies Other Total Plus 10% Total Plus 10 Page 10

11 RAAM Budget Worksheet Vehicles Vehicle #1 Rental Fee Rental Insurance Cost Per Day * # of Days Gas Miles / Miles Per Gallon * Cost Per Gallon Vehicle #2 Rental Fee Rental Insurance Cost Per Day * # of Days Gas Miles / Miles Per Gallon * Cost Per Gallon Vehicle #3 Rental Fee Rental Insurance Cost Per Day * # of Days Gas Miles / Miles Per Gallon * Cost Per Gallon Vehicle #4 Rental Fee Rental Insurance Cost Per Day * # of Days Gasa Miles / Miles Per Gallon * Cost Per Gallon Vehicle #5 Rental Fee Rental Insurance Cost Per Day * # of Days Gas Miles / Miles Per Gallon * Cost Per Gallon Total Page 11

12 RAAM Budget Worksheet Transportation Racer How Racer How Racer How Racer How Racer How Racer How Racer How Racer How Total Page 12

13 RAAM Budget Worksheet Clothing and Memorabilia Bicycle Clothing Design Printing Cost Team Clothing Design Printing Cost Memorabilia Total You can make notes here about what type of clothing, how much and costs. Page 13

14 Sample Budgets In general these samples follow the general assumption that the Racer will pay a majority of the costs for Crew. These samples also include the entry fee. These samples also do not take into account any sponsorship or gifts or fundraising you might do to offset costs. These simply list some realistic possibilities. Solo Minimal Assumptions 6 Crew, 2 Support Vehicles. Each Support Vehicle is driven 6500 miles. 2 nights at the Start 1 night at the Finish 5 Crew flying, 1 Racer and 1 Crew drive Support Vehicles to the start and home from the finish Item Cost Entry Fee $2000 Vehicle Rental $0 Vehicle Insurance $0 Gas 13, mile per $3.00 per gallon $2600 Banquets $0 Food for Racer $300 Food for Crew - $25 per day for 6 Crew for 14 days $1750 Start Hotel 3 Rooms for 2 $100/night $600 Finish Hotel 3 Rooms for 1 $100/night $300 Lodging during Race (3 rooms) $300 Transportation Crew 5 $350 airfare $1750 Vehicle Setup $400 Clothing and Memorabilia $200 Communication Equipment $100 Misc Supplies $ Total $10,800 Plus 10 % $1080 Total plus 10 $12,000 Page 14

15 1000 Mile Race Minimal Assumptions 3 Crew, 1 Support Vehicles. Each Support Vehicle is driven 2500 miles. 2 nights at the Start 1 night at the Finish 2 Crew flying, 1 Racer and 1 Crew drive Support Vehicles to the start and home from the finish Item Cost Entry Fee $800 Vehicle Rental $0 Vehicle Insurance $0 Gas mile per $3.00 per gallon $500 Banquets $0 Food for Racer $150 Food for Crew - $25 per day for 3 Crew for 6 days $450 Start Hotel 1 Rooms for 2 $100/night $200 Finish Hotel 1 Rooms for 1 $100/night $100 Lodging during Race $0 Transportation Crew 2 $350 airfare $700 Vehicle Setup $400 Clothing and Memorabilia $200 Communication Equipment $100 Misc Supplies $ Total $4,100 Plus 10 % $400 Total plus 10 $4,500 Page 15

16 Solo/2-Person Average This is probably an average budget for a Solo Racer. This is probably very close to a budget for a 2-Person team with some additional expense for the other Racer and an increase Entry Fee. For a 2-Person Team this cost is split between the two team members. Assumptions 9 Crew, 1 Personal Support Vehicle, 1 Rented RV, 1 rented Vehicle. Each Support Vehicle is driven 3500 miles, plus 3000 miles for Personal Vehicle to get home. 2 nights at the Start 2 nights at the Finish 8 Crew flying, 1 Racer and 1 Crew drive Support Vehicles to the start and home from the finish Item Cost Entry Fee $2000 Vehicle Rental Van $1600 Vehicle Insurance - $25 per day for 14 days $350 Vehicle Rental RV $2500 Gas Personal Vehicle miles per $1300 $3.00 per gallon Gas Rental Vehicle miles per $600 $3.00 per gallon Gas RV miles per $3.00 per $900 gallon Banquets $100 Food for Racer $400 Food for Crew - $25 per day for 9 Crew for 14 days $3150 Start Hotel 4 Rooms for 2 $100/night $800 Finish Hotel 4 Rooms for 2 $100/night $800 Lodging during Race (3 rooms) $400 Transportation Crew 8 $350 airfare $2800 Vehicle Setup $1000 Clothing and Memorabilia $500 Communication Equipment $300 Misc Supplies $ Total $20,300 Plus 10 % $2030 Total plus 10 $23,000 For 2-Person Team, it s $11,500 per person As you can see the costs easily add up. Page 16

17 4-Person Filled Out This is a sample for a 4-Person team that puts a little more money into the race. Again, remember this is split between the 4 Racers. Assumptions 12 Crew, 4 Vehicles - 2 Personal Support Vehicle, 1 Rented RV, 1 rented Vehicle. Each Support Vehicle is driven 3500 miles, plus 3000 miles for Personal Vehicle to get home. 2 nights at the Start 2 nights at the Finish 12 flying, 4 driving Support Vehicles to the start and home from the finish Item Cost Entry Fee $4800 Vehicle Rental Van $1600 Vehicle Insurance - $25 per day for 14 days $350 Vehicle Rental RV $2500 Gas Personal Vehicle miles per $1300 $3.00 per gallon Gas Personal Vehicle miles per $1300 $3.00 per gallon Gas Rental Vehicle miles per $600 $3.00 per gallon Gas RV miles per $3.00 per $900 gallon Banquets $200 Food for Racer $600 Food for Crew - $25 per day for 12 Crew for 14 days $4200 Start Hotel 6 Rooms for 2 $100/night $1200 Finish Hotel 6 Rooms for 2 $100/night $1200 Lodging during Race (6 rooms) $600 Transportation Crew 12 $350 airfare $4200 Vehicle Setup $1500 Clothing and Memorabilia $1000 Communication Equipment $500 Misc Supplies $ Total $30,000 Plus 10 % $3000 Total plus 10 $33,000 Per Person $8000 Page 17

FAQ s for Travelers and Travel Arrangers

FAQ s for Travelers and Travel Arrangers For Berkeley Law faculty and event planners, the Travel Planner is a primary resource for trip planning and reporting assistance (travel@law.berkeley.edu). Berkeley Law clinics, centers, and departments

More information

chapter >> First Principles Section 1: Individual Choice: The Core of Economics

chapter >> First Principles Section 1: Individual Choice: The Core of Economics chapter 1 Individual choice is the decision by an individual of what to do, which necessarily involves a decision of what not to do. >> First Principles Section 1: Individual Choice: The Core of Economics

More information

Guide to PanAm Agent and Online Booking Tool Services!

Guide to PanAm Agent and Online Booking Tool Services! Guide to PanAm Agent and Online Booking Tool Services Sections: 1. Getting Started with PanAm 2. Booking with An Agent 3. TripCase 4. Online Booking Tool - Logging In & Completing Your Profile 5. Book

More information

ADMINISTRATIVE PROCEDURE

ADMINISTRATIVE PROCEDURE ADMINISTRATIVE PROCEDURE ADMINISTRATIVE PROCEDURE NO: AP 611.01 RELATED TO POLICY NO. 611 BUSINESS & TRAVEL TITLE: BUSINESS & TRAVEL EXPENSE Purpose and Introduction This procedure sets forth the requirement

More information

A guide to help you make the most of Your Choice. Employee Guide

A guide to help you make the most of Your Choice. Employee Guide A guide to help you make the most of Your Choice Employee Guide This guide is to help you understand a bit more about Your Choice. This is the total package of benefits that you may be eligible for as

More information

Introducing the Credit Card

Introducing the Credit Card Introducing the Credit Card This program was designed with high school students in mind. It goes over everything you need to know before you get your first credit card so you can manage it wisely.» Key

More information

Seven business travel tips for PAs

Seven business travel tips for PAs Seven business travel tips for PAs For most PAs, organising travel will be a small part of your day-to-day role, but there are ways to make the process more seamless for you and your travellers E-Guide

More information

May 25th, 2016--"Car Buying: How to Avoid the Extra Stress"--Mary Dittfurth

May 25th, 2016--Car Buying: How to Avoid the Extra Stress--Mary Dittfurth May 25th, 2016--"Car Buying: How to Avoid the Extra Stress"--Mary Dittfurth The car-buying process can get pretty stressful, especially if you re not prepared for it. Car buying is supposed to be exciting,

More information

TRAVEL AND EXPENSE POLICY for BOARD MEMBERS of Member Companies of the Nonprofits Insurance Alliance Group

TRAVEL AND EXPENSE POLICY for BOARD MEMBERS of Member Companies of the Nonprofits Insurance Alliance Group TRAVEL AND EXPENSE POLICY for BOARD MEMBERS of Member Companies of the Nonprofits Insurance Alliance Group GENERAL POLICY: Each company in the NIA Group covers the cost for board members of normal and

More information

Exchange to the Furthest Place from Home

Exchange to the Furthest Place from Home Exchange to the Furthest Place from Home My decision to go on a student exchange to Finland took place long before I went to University. I was about 16 in my second to last year of high school when I started

More information

think customer service in the U.S. is the worst it s ever been. And, because in

think customer service in the U.S. is the worst it s ever been. And, because in ! ! Recently, there have been a lot of! complaints about customer service. People think customer service in the U.S. is the worst it s ever been. And, because in today s economy more people " perform services

More information

Expense Reports for Reimbursement

Expense Reports for Reimbursement Expense Reports for Reimbursement Getting Started: Give Debbie and Marilyn AUTHORIZATION to approve your Expense Reports Use the shortcut - https://authhub.wisconsin.edu/?app=sfs which will take you directly

More information

TRAVEL POLICY MANUAL

TRAVEL POLICY MANUAL LAKE MICHIGAN AIR DIRECTORS CONSORTIUM TRAVEL POLICY MANUAL This manual is the exclusive property of Lake Michigan Air Directors Consortium 9501 West Devon Avenue, Suite 701 Rosemont, Illinois 60018 It

More information

Success Guide. District Budget. Background DISTRICT BUDGET GUIDELINES AND STANDARDS. District Budget Guidelines

Success Guide. District Budget. Background DISTRICT BUDGET GUIDELINES AND STANDARDS. District Budget Guidelines District Budget Success Guide Background All districts funds, regardless of the source of those funds, are Toastmasters International funds. This money is entrusted to the district so it can carry out

More information

ARMA HOUSTON TRAVEL EXPENSE GUIDELINES

ARMA HOUSTON TRAVEL EXPENSE GUIDELINES ARMA HOUSTON TRAVEL EXPENSE GUIDELINES Claiming reimbursement of expenses 1. Expense reimbursement forms for all expenses are required to be submitted within 45 days of the date the expense was incurred.

More information

HOTEL NEGOTIATIONS, PITFALLS AND CONTRACTS

HOTEL NEGOTIATIONS, PITFALLS AND CONTRACTS Negotiating with a hotel is actually very easy. First of all, you will need to make up your mind that you would actually like to sponsor a meeting of SCC29/StaBatt Technical Committee. That means that

More information

S O L A R C A R C O N F E R E N C E M A R C H 2 0-2 2, 2 0 1 5 U N I V E R S I T Y O F M I C H I G A N RAYCE LOGISTICS MAR 21, 2015

S O L A R C A R C O N F E R E N C E M A R C H 2 0-2 2, 2 0 1 5 U N I V E R S I T Y O F M I C H I G A N RAYCE LOGISTICS MAR 21, 2015 S O L A R C A R C O N F E R E N C E M A R C H 2 0-2 2, 2 0 1 5 U N I V E R S I T Y O F M I C H I G A N RAYCE LOGISTICS MAR 21, 2015 THE QUESTION How do you prepare to take a team of people (and an Observer)

More information

top tips to help you save on travel and expenses

top tips to help you save on travel and expenses 5 top tips to help you save on travel and expenses Save money Increase control Free up staff Our 5 top tips for saving time and money on T&E Travel and Expenses (T&E) are amongst some of the highest costs

More information

Corporate Travel Policy. Proposed January 30, 2010

Corporate Travel Policy. Proposed January 30, 2010 Corporate Travel Policy Proposed January 30, 2010 TABLE OF CONTENTS Statement of Purpose... 1 JRC-DMS Travel Policies... 1 Responsibilities and Enforcement... 1 Travel Arrangements... 2 Air Travel... 2

More information

How to be the Golf Event Hero!

How to be the Golf Event Hero! How to be the Golf Event Hero! An 18 Step Guide to a Successful Golf Event Ensure your event scores a hole-in-one with participants Don t feel overwhelmed if you ve just been tapped to organize your company

More information

Association of Certified Fraud Examiners. How to Cheat on Your Expense Report

Association of Certified Fraud Examiners. How to Cheat on Your Expense Report Association of Certified Fraud Examiners The Institute of Internal Auditors Dallas Chapters March 5, 2009 Fraud Training How to Cheat on Your Expense Report Presenter Stephen M. Nelder, CPA, CFE snelder@cbiz.com

More information

CHAPTER 11 STRATEGY FOR SURVIVAL

CHAPTER 11 STRATEGY FOR SURVIVAL CHAPTER 11 STRATEGY FOR SURVIVAL Copyright 2008 Tom T. Moore If you re reading this several months in advance, there are a number of things that you can do to prepare for these coming earthquakes. I realize

More information

Corporate Fundraising Pack

Corporate Fundraising Pack Corporate Fundraising Pack Thank you! By opening this Corporate Fundraising Pack for The Gingerbread Centre you have taken the first step to creating a future for vulnerable families in Staffordshire.

More information

Control Debt Use Credit Wisely

Control Debt Use Credit Wisely Lesson 10 Control Debt Use Credit Wisely Lesson Description In this lesson, students, through a series of interactive and group activities, will explore the concept of credit and the impact of liabilities

More information

Travel Expense Policy Effective Date: October 1, 2006 Latest Revision: July 12, 2012

Travel Expense Policy Effective Date: October 1, 2006 Latest Revision: July 12, 2012 Travel Expense Policy Effective Date: October 1, 2006 Latest Revision: July 12, 2012 POLICY STATEMENT Columbia University faculty, staff, and students routinely travel out of town on behalf of the University

More information

The O2 arena. Be the star of your show

The O2 arena. Be the star of your show The O2 arena Be the star of your show From the BRITs to business meetings. There s nothing we can t handle. We ve hosted the world s biggest live events. And hundreds of small ones too. Forever Living

More information

The Programs What is People to People travel? Why are you offering travel to Cuba? Is this a group experience? Can I travel to Cuba without a group?

The Programs What is People to People travel? Why are you offering travel to Cuba? Is this a group experience? Can I travel to Cuba without a group? The Programs What is People to People travel? People to People travel is a unique program, and currently one of the only legal ways to visit Cuba. This program was implemented by President Obama and it

More information

Volkswagen Telematics by OnStar

Volkswagen Telematics by OnStar Volkswagen Telematics by OnStar Safety, security, and personalized information is available when needed, 24 hours a day, 365 days a year! Using a state-of-the-art Global Positioning System (GPS) and wireless

More information

PURPOSE The mission of the Rotary International Travel Service (RITS) is to provide safe, cost-effective travel services to Rotary funded travelers.

PURPOSE The mission of the Rotary International Travel Service (RITS) is to provide safe, cost-effective travel services to Rotary funded travelers. ROTARY INTERNATIONAL VOLUNTEER TRAVEL AND EXPENSE REPORTING POLICY JULY 2013 PURPOSE The mission of the Rotary International Travel Service (RITS) is to provide safe, cost-effective travel services to

More information

HELPING YOU CREATE SUCCESSFUL EVENTS. THAT S OUR PROMISE TO YOU.

HELPING YOU CREATE SUCCESSFUL EVENTS. THAT S OUR PROMISE TO YOU. HELPING YOU CREATE SUCCESSFUL EVENTS. THAT S OUR PROMISE TO YOU. At Crowne Plaza Hotels & Resorts, we partner with you to plan and create a uniquely tailored event. Our services and expertise are designed

More information

Chapter 1 Introduction to Correlation

Chapter 1 Introduction to Correlation Chapter 1 Introduction to Correlation Suppose that you woke up one morning and discovered that you had been given the gift of being able to predict the future. Suddenly, you found yourself able to predict,

More information

SUBJECT: TRAVEL. This policy establishes guidelines for business travel arrangements and travel expense reimbursements.

SUBJECT: TRAVEL. This policy establishes guidelines for business travel arrangements and travel expense reimbursements. SUBJECT: TRAVEL 1.0 SCOPE This policy establishes guidelines for business travel arrangements and travel expense reimbursements. 2.0 IMPLEMENTATION This policy shall be adhered to by the staff of all Authority

More information

BMO Travel Insurance. Annual and Single Trip Travel Medical Single Trip Trip Protection

BMO Travel Insurance. Annual and Single Trip Travel Medical Single Trip Trip Protection BMO Travel Insurance Annual and Trip Protection Put travel worries behind you When you travel, you don t expect to lose your luggage, experience flight delays or have a medical emergency, but any of these

More information

Scheduling. Getting Started. Scheduling 79

Scheduling. Getting Started. Scheduling 79 Scheduling 9 Scheduling An event planner has to juggle many workers completing different tasks, some of which must be completed before others can begin. For example, the banquet tables would need to be

More information

USA SWIMMING TRAVEL POLICY SUMMARY

USA SWIMMING TRAVEL POLICY SUMMARY USA SWIMMING TRAVEL POLICY SUMMARY AIR TRAVEL A travel authorization must be done before a reservation can be ticketed for any trips. Travel authorizations must be sent by e-mail to travelauthorizations@usaswimming.org.

More information

Travel Policy Philosophy Purpose Scope Guidelines Auditing and Internal Control

Travel Policy Philosophy Purpose Scope Guidelines Auditing and Internal Control Travel Policy Philosophy Travel and entertainment related expenses will be paid by the Association if they are deemed to be reasonable, appropriately documented, properly authorized and within the guidelines

More information

New Partner: The Ritz-Carlton Participation in Marriott Rewards. Questions & Answers to Respond to Guest Questions

New Partner: The Ritz-Carlton Participation in Marriott Rewards. Questions & Answers to Respond to Guest Questions New Partner: The Ritz-Carlton Participation in Marriott Rewards Questions & Answers to Respond to Guest Questions About Marriott Rewards and The Ritz Carlton How does The Ritz Carlton participate with

More information

Year of Mercy Holy Land Pilgrimage Catholic Biblical School - May 25 th June 4 th, 2016

Year of Mercy Holy Land Pilgrimage Catholic Biblical School - May 25 th June 4 th, 2016 Year of Mercy Holy Land Pilgrimage Catholic Biblical School - May 25 th June 4 th, 2016 Tour Pricing*: $4,360* per person from Denver, CO (based on double occupancy) $850 Single Occupancy Supplement Plus*:

More information

Diving Into Spending Plans Grade Level 7-9

Diving Into Spending Plans Grade Level 7-9 2.15.1 Diving Into Spending Plans Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.1,

More information

Student s Name: Christopher Shum. UL Course: Psychology and Sociology. Host University: University of Calgary

Student s Name: Christopher Shum. UL Course: Psychology and Sociology. Host University: University of Calgary Student s Name: Christopher Shum UL Course: Psychology and Sociology Academic Year: 2014 / 2015 Semester: Autumn Host University: University of Calgary Host University Code: CAN6 Student Experience: Overall,

More information

Subtraction 1.3. Overcoming Math Anxiety

Subtraction 1.3. Overcoming Math Anxiety 1.3 Subtraction 1.3 OBJECTIVES 1. Use the language of subtraction 2. Subtract whole numbers without borrowing 3. Solve applications of simple subtraction 4. Use borrowing in subtracting whole numbers 5.

More information

Walk MS FUNDRAISING 101

Walk MS FUNDRAISING 101 Walk MS FUNDRAISING 101 This guide contains a few ideas that past participants have employed in their successful fundraising efforts. Make this your campaign to help people living with MS and fund research.

More information

PHILADELPHIA UNIVERSITY

PHILADELPHIA UNIVERSITY PHILADELPHIA UNIVERSITY Policies and Procedures Travel & Business Expense Reimbursement Policy ISSUE DATE: September 2006 INITIATED BY: Treasurer s Office PURPOSE: To provide Philadelphia University faculty

More information

Functional Skills Mathematics Assessment Level 2

Functional Skills Mathematics Assessment Level 2 Functional Skills Mathematics Assessment Level 2 Learner name Run ID Available marks Task 1 Q1 8 Q2 10 1 st Marker 2 nd Marker Learner signature Q3 6 Q4 6 Centre Task 2 Q1a 7 Q1b 1 Assessment date Q2 5

More information

ICAEW on Personal Finance

ICAEW on Personal Finance ICAEW on Personal Finance Living away from home for the first time Jack decided he didn t want to go to university after finishing his A-levels. Instead he applied for a Higher Apprenticeship within a

More information

PROBLEM SOLVING. 1. I m thinking of buying to let - where do I start?

PROBLEM SOLVING. 1. I m thinking of buying to let - where do I start? Top Buy to Let FAQs 1. I m thinking of buying to let - where do I start? If you re not sure whether buy to let is right for you or want to make sure you buy a property that ll give you the returns you

More information

Table of Contents for Travel and Entertainment Guidelines

Table of Contents for Travel and Entertainment Guidelines Number of Pages Number 16 201 Title: Best Practice Guidelines Originator: Vice-President, Corporate Services & Chief Financial Officer Approved By: Travel and Entertainment Guidelines Effective Date President

More information

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle.

Consumer Math Notes 9.1-2. Purchasing a New Vehicle/ Dealer s Cost. A vehicle s shows all charges for the vehicle. Consumer Math Notes 9.1-2 Name Hour Purchasing a New Vehicle/ Dealer s Cost A vehicle s shows all charges for the vehicle. = the price of he vehicle s engine, chassis and any other standard equipment for

More information

Money Math for Teens. Opportunity Costs

Money Math for Teens. Opportunity Costs Money Math for Teens This Money Math for Teens lesson is part of a series created by Generation Money, a multimedia financial literacy initiative of the FINRA Investor Education Foundation, Channel One

More information

Q: What types of businesses/industries can benefit from the SBA loan programs? A: Most small owner-operated business can benefit from SBA loans

Q: What types of businesses/industries can benefit from the SBA loan programs? A: Most small owner-operated business can benefit from SBA loans Interview with Alan Thomes, President, SBA Loan Division State Bank and Trust Company For many new start-ups and small businesses, an SBA loan may be an appropriate form of financing. In this interview

More information

Travelling to Governador Valadares

Travelling to Governador Valadares Travelling to Governador Valadares There are four main options for travelling to Governador Valadares: 1. Travelling by bus, using the public bus services is probably the easiest and most cost effective

More information

Dream Granting Guidelines. Trips to New York City

Dream Granting Guidelines. Trips to New York City Dream Granting Guidelines Trips to New York City So the child asked for a trip to New York City, what do you do now??? Obviously you ll have to get a few details from the family: what does the child want

More information

4. How to Buy a Car. Building a Better Future 151

4. How to Buy a Car. Building a Better Future 151 4. How to Buy a Car Building a Better Future 151 152 Building a Better Future UNIT 4: HOW TO BUY A CAR Lesson 1: How to Choose the Right Car Lesson Objectives: Students will understand what to consider

More information

Decrease Your Expenses.

Decrease Your Expenses. Decrease Your Expenses. Do you find yourself running short on cash month-to-month? The solution is easy to identify but may be challenging to execute: increase your income and/or decrease your expenses.

More information

Disbursement Services Travel Expense Procedures

Disbursement Services Travel Expense Procedures Disbursement Services Travel Expense Procedures For NC State Budget Travel Policies, use address below: https://ncosbm.s3.amazonaws.com/s3fs-public/documents/files/budgetmanual.pdf Completing the Travel

More information

Services Travel and Expense Policy. Services. September 13, 13. Hortonworks, Inc. Travel and Expense Policy v1.0 Page 1 of 15

Services Travel and Expense Policy. Services. September 13, 13. Hortonworks, Inc. Travel and Expense Policy v1.0 Page 1 of 15 Services Travel and Expense Policy September 13, 13 Services Hortonworks, Inc. Travel and Expense Policy v1.0 Page 1 of 15 Table of Contents 1 Introduction... 4 2 Documentation... 5 3 Customer policies...

More information

Practice file answer key

Practice file answer key Practice file answer key Unit 1 2 f 3 e 4 b 5 c 6 a 2 head 3 operate 4 subsidiaries 5 employees 6 sell 7 goods 8 make 9 competitors 2 companies 3 subsidiaries 4 goods 5 based 6 specialize 7 provide 8 operates

More information

TRAVEL POLICY PURPOSE

TRAVEL POLICY PURPOSE TRAVEL POLICY PURPOSE Travel is one of Particle Measuring Systems largest expense items. This travel policy is intended to aid PMS in managing travel expenses and to bring uniformity to PMS travel practices.

More information

lesson three budgeting your money teacher s guide

lesson three budgeting your money teacher s guide lesson three budgeting your money teacher s guide budgeting your money lesson outline lesson 3 overview I m all out of money, and I won t get paid again until the end of next week! This is a common dilemma

More information

REIMBURSEMENTS FOR RECEIPTS AND TRAVEL HOW TO GET IT RIGHT THE FIRST TIME

REIMBURSEMENTS FOR RECEIPTS AND TRAVEL HOW TO GET IT RIGHT THE FIRST TIME REIMBURSEMENTS FOR RECEIPTS AND TRAVEL HOW TO GET IT RIGHT THE FIRST TIME FORMS All the forms for travel and receipt reimbursements can be found on the BEE website or above the mailboxes in the main office

More information

Gr. 6-12 English Language arts Standards, Literacy in History/Social Studies and Technical Studies

Gr. 6-12 English Language arts Standards, Literacy in History/Social Studies and Technical Studies Credit Lesson Description Concepts In this lesson, students, through a series of interactive and group activities, will explore the concept of credit and the impact of liabilities on an individual s net

More information

TRAVEL POLICY FOR THE U.S. SCIENCE SUPPORT PROGRAM (USSSP) OFFICE

TRAVEL POLICY FOR THE U.S. SCIENCE SUPPORT PROGRAM (USSSP) OFFICE TRAVEL POLICY FOR THE U.S. SCIENCE SUPPORT PROGRAM (USSSP) OFFICE Table of Contents TRAVEL AUTHORIZATION 2 AIR TRANSPORTATION GENERAL 2 EXPEDITION-RELATED TRAVEL 3 AIR CARRIER SELECTION 3 SATURDAY NIGHT

More information

Designing a point of purchase display (POP) that works for you

Designing a point of purchase display (POP) that works for you Designing a point of purchase display (POP) that works for you By: Scott Buchanan Wire to Wire Manufacturing Ltd. Gone are the days of dropping your product out to the local five and dime where the manager

More information

MOVING AND RELOCATON PROCEDURES

MOVING AND RELOCATON PROCEDURES MOVING AND RELOCATON PROCEDURES January 2016 This document covers moving and relocation policies and procedures, including tax reporting and withholding requirements applicable to employees of California

More information

How to fill every seat in the house. An event manager s guide to SMS Marketing

How to fill every seat in the house. An event manager s guide to SMS Marketing How to fill every seat in the house An event manager s guide to SMS Marketing - Why should you use SMS messaging? When was the last time you didn t have your mobile? Chances are you can t remember (because

More information

Guide to GUIDE TO TRAVEL HACKING WITH ALASKA MILES - INTENTIONAL TRAVELERS

Guide to GUIDE TO TRAVEL HACKING WITH ALASKA MILES - INTENTIONAL TRAVELERS Guide to 1 Who is this Guide for? I created this guide for the average person who simply wants to do more traveling without breaking the bank. It will be especially helpful for people who have an international

More information

Nelson Mandela at 90 A Guide for Running Events

Nelson Mandela at 90 A Guide for Running Events Nelson Mandela at 90 A Guide for Running Events Running an event for Mandela at 90 So you re planning to run an event for the Mandela at 90 Campaign. The following guide is designed to take you through

More information

School of Nursing - Online Form & Trip Expenses

School of Nursing - Online Form & Trip Expenses NELL HODGSON WOODRUFF SCHOOL OF NURSING FINANCIAL POLICIES AND PROCEDURES PAYMENTS Requests for payments must be made via the on-line process found on the Finance Division website. https://www.finance.emory.edu/home/index.html.

More information

Telemarketing Selling Script for Mobile Websites

Telemarketing Selling Script for Mobile Websites Telemarketing Selling Script for Mobile Websites INTRODUCTION - - - - - - - To person who answers phone - - - - - - - Record name of company, phone Good Morning (or Good Afternoon) I would like to speak

More information

Festival & Event Planning

Festival & Event Planning Festival & Event Planning Developing an Auction Dinner EVENT DEVELOPMENT SERIES Module Two Event Planning Manual 2008 Gary McWilliams Developing an Auction Dinner Volunteers Make It Happen! I have had

More information

CONSULTANT S ORGANIZING YOUR MARY KAY BUSINESS

CONSULTANT S ORGANIZING YOUR MARY KAY BUSINESS CONSULTANT S ORGANIZING YOUR MARY KAY BUSINESS ORGANIZING YOUR BUSINESS WHAT SUPPLIES DO I NEED? 1. Box/Filing Cabinet 2. Hanging Files 3. File Folders 4. Envelopes NOW WHAT? 1. Organize hanging files

More information

Auto Buying. Tips for you to get the most out of your auto dollars

Auto Buying. Tips for you to get the most out of your auto dollars Auto Buying Tips for you to get the most out of your auto dollars Table of Contents 3 Factors to Consider When Buying a Vehicle 3 Car Buying Tips 4 Car Buyers Worst Mistakes 5 Buy the Safest Car You Can

More information

How to Organize a Motorcycle Charity Ride

How to Organize a Motorcycle Charity Ride How to Organize a Motorcycle Charity Ride Motorcycle owners are always up for any opportunity to get out and ride. People who plan bike events know that a good ride can be as important as the destination

More information

Invest Success Mentorship Program THE INVEST SUCCESS MENTORSHIP PROGRAM SPONSORED BY ICOR

Invest Success Mentorship Program THE INVEST SUCCESS MENTORSHIP PROGRAM SPONSORED BY ICOR Invest Success Mentorship Program THE INVEST SUCCESS MENTORSHIP PROGRAM SPONSORED BY ICOR An Introduction to Invest Success Mentor Program Through the Mentorship Program, Invest Success will share with

More information

Buying a Car. A Car Means Convenience. Which Car is Right for You?

Buying a Car. A Car Means Convenience. Which Car is Right for You? Buying a Car A Car Means Convenience It s Wednesday morning and you are sleeping soundly, dreaming about that Hawaiian vacation you d like to take. Suddenly you hear, instead of ocean waves, a loud buzz.

More information

Event Planning from A to Z A detailed guide for organizing a conference by Rodd Aubrey

Event Planning from A to Z A detailed guide for organizing a conference by Rodd Aubrey Event Planning from A to Z A detailed guide for organizing a conference by Rodd Aubrey So you want to organize a conference? It's a great idea. It can be a fundraiser, a way to increase your chapter's

More information

SEE THE USA FOR $50 A DAY

SEE THE USA FOR $50 A DAY Travel Cheap (Rev 3) Karl Belser 17 October 2002 5544 Drysdale Drive (1415 words) San Jose, CA 95124 408-723-0315 SEE THE USA FOR $50 A DAY By Karl Arnold Belser Do you like to travel, have limited money,

More information

3Budgeting: Keeping Track of Your Money

3Budgeting: Keeping Track of Your Money This sample chapter is for review purposes only. Copyright The Goodheart-Willcox Co., Inc. All rights reserved. 3Budgeting: Keeping Track of Your Money Chapter 3 Budgeting: Keeping Track of Your Money

More information

STARTALK 2015 Instructions for Developing Your Budget

STARTALK 2015 Instructions for Developing Your Budget STARTALK 2015 Instructions for Developing Your Budget IMPORTANT: You must have a CAGE code to submit your proposal. If your institution does not have one, apply for one immediately so that you receive

More information

Charity Golf Tournament Tool Kit

Charity Golf Tournament Tool Kit Charity Golf Tournament Tool Kit TIMELINE STEPS 7 + Months out Organize a Chairperson and Committee. Ideally, your committee is in a focused region. Use the contacts of your chairperson and the members

More information

Guide to Managing your Money

Guide to Managing your Money Guide to Managing your Money At university, managing your money is a really important skill to develop. You will be paid your student loan / grant on a termly basis, so you will find that you have a lot

More information

Please review the attached University of Mississippi travel policies concerning Travel Authorization and Travel Reimbursement.

Please review the attached University of Mississippi travel policies concerning Travel Authorization and Travel Reimbursement. Mississippi Judicial College The University of Mississippi Travel Guidelines for Attending The Mississippi Bar Association 2016 Annual Meeting July 13-16, 2016 Hilton Sandestin Beach Hotel, Sandestin,

More information

AGS Publishing-Consumer Mathematics. Reinforcement activities. Extra practice problems. Group explorations. AGS Publishing-Consumer Mathematics

AGS Publishing-Consumer Mathematics. Reinforcement activities. Extra practice problems. Group explorations. AGS Publishing-Consumer Mathematics SUBJECTS: CONSUMER MATH GRADE LEVEL(S): 12 REVISED: JULY 2007 PHILOSOPHY : This course is designed as a full year course, which will focus on real world methodology and application and will provide students

More information

Life Insurance Buyer's Guide

Life Insurance Buyer's Guide Life Insurance Buyer's Guide This guide can help you when you shop for life insurance. It discusses how to: Find a Policy That Meets Your Needs and Fits Your Budget Decide How Much Insurance You Need Make

More information

Truman State University Travel Reimbursement Policy. For Travel on or after October 1, 2013

Truman State University Travel Reimbursement Policy. For Travel on or after October 1, 2013 Truman State University Travel Reimbursement Policy For Travel on or after October 1, 2013 Table of Contents Overview... 4 Responsibility... 4 Purpose of Policy... 4 Prior Approval Required... 4 Taxability...

More information

Life Card. Life Card. IRS Refund! You receive $42. Car broke down. Repairs cost $147! Life Card. Life Card. Car needed a new tire.

Life Card. Life Card. IRS Refund! You receive $42. Car broke down. Repairs cost $147! Life Card. Life Card. Car needed a new tire. Car broke down. Repairs cost $147! IRS Refund! You receive $42 Car needed a new tire. Cost = $43 Broke a tooth! Dentist bill = $75 Won $98 in a 50/50 raffle. Treated your friend to dinner for their birthday.

More information

Six top tips for travel managers to create savings in 2015

Six top tips for travel managers to create savings in 2015 Six top tips for travel managers to create savings in 2015 E-Guide 2 Introduction Savings remain a key focal point for Travel Managers in 2015 and through regular reviews and analysis, using management

More information

Four Steps to Reduce Your Debt

Four Steps to Reduce Your Debt Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down

More information

I share a myriad of innovative drills, exercises and concepts on:

I share a myriad of innovative drills, exercises and concepts on: I appreciate your interest in hosting one of my Cutting Edge Clinics. I am thankful to have conducted over 100 of these clinics worldwide and been able to positively impact thousands of players and coaches.

More information

Sample Corporate Travel Policy

Sample Corporate Travel Policy Sample Corporate Travel Policy Purpose This document defines the specific policy to be followed when traveling on Company business, as well as employee accountability for Company funds. Scope This corporate

More information

POST HOLDINGS, INC. VENDOR EXPENSE POLICY (Updated 7/28/2015) Section 1 Expense Reimbursements

POST HOLDINGS, INC. VENDOR EXPENSE POLICY (Updated 7/28/2015) Section 1 Expense Reimbursements POST HOLDINGS, INC. VENDOR EXPENSE POLICY (Updated 7/28/2015) Section 1 Expense Reimbursements 1.1 - General This policy provides guidelines to be followed by all vendors of Post Holdings, Inc. and its

More information

Let s assume you have found one or more ways to get money. You have an income coming in. You have money decisions

Let s assume you have found one or more ways to get money. You have an income coming in. You have money decisions CHAPTER 9: Taking Control of Your Money Let s discuss... $ Tracking r spending $ Budgeting $ Budgeting tips $ A sample budget Let s assume have found one or more ways to get money. You have an income coming

More information

Travelex Cash Passport Cards

Travelex Cash Passport Cards Travelex Cash Passport Cards Travelex Cash Passport Cards are prepaid travel money cards that are available in 7 currencies. Originally created as a replacement for travellers cheques they are a safe and

More information

Questions? FAQ DETOURS IN FRANCE Self Guided and Customized Tours. What exactly is a self-guided tour?

Questions? FAQ DETOURS IN FRANCE Self Guided and Customized Tours. What exactly is a self-guided tour? What exactly is a self-guided tour? We provide all the structure for a great trip: the right places to stay, wonderful routes to follow, with detailed, step-by-step route notes and highlighted maps, and

More information

How Chubb Is Different. Why It s Worth It.

How Chubb Is Different. Why It s Worth It. How Chubb Is Different. Why It s Worth It. Mr. and Mrs. Green The Car: Jaguar XJR The Incident: A weekend visit to old friends in a distant city is disrupted at 5:30 a.m. Sunday morning. A bakery truck,

More information

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! *

Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * Open a Pelican Visa Credit Card today & earn DOUBLE POINTS on balance transfers! * The more you transfer, the bigger the awards. earn up to 30,000 points per month minimum transfer of only $100 Apply Now!

More information

Get more from your hot water

Get more from your hot water Get more from your hot water 3 action sheet Whether you re choosing a new hot water system or using the one you already have, there are some easy ways to reduce your energy use without compromising on

More information

We can arrange direct transportation from PBI, FLL, or MIA. From there you can be taken directly to your hotel or chosen living accommodation.

We can arrange direct transportation from PBI, FLL, or MIA. From there you can be taken directly to your hotel or chosen living accommodation. WELCOME TO PALM BEACH HELICOPTERS Thank you for inquiring about Helicopter training with Palm Beach Helicopters! Palm Beach Helicopters provides quality Flight Training awarding students from all over

More information

Hosting a Customer Appreciation Event that Customer s Appreciate Contributor: Julie Burroughs - Event Living

Hosting a Customer Appreciation Event that Customer s Appreciate Contributor: Julie Burroughs - Event Living Hosting a Customer Appreciation Event that Customer s Appreciate Contributor: Julie Burroughs - Event Living OVERVIEW Don t underestimate the impact of a good customer appreciation event. Customers are

More information

The Value of British Gas Energy Trust. Impact Report Summary

The Value of British Gas Energy Trust. Impact Report Summary The Value of British Gas Energy Trust Impact Report Summary Introduction At British Gas, we know that sometimes people struggle to pay their bills. There are lots of ways that we can help people who need

More information