How to buy online!

 

How to buy online

1) Select from the calendar your arrival date in Venice.

Here are the fares available on veniceconnected.com:
 
Reduced online fee*
 
Standard online fee*
 
Full price
It applies to the first 3 bookable days in the calendar.
Full price is the same as the onsite price, however it offers the advantage of priority access and other free services (admission to the Casino).
*on some services only.

How does //venice>connected calendar work?

On veniceconnected.com you can purchase your tickets or passes up to a minimum of 4 days before collecting and/or using the tickets: if for example you need a public transport ticket for the 12th of September, the system will let you book it within and not later than the 8th of September.
On the tourist seasonality calendar, that you find on //venice>connected, the first 3 days you can select – in the previous example the 12, 13 and 14 of September – are highlighted in red: on these days you cannot buy at the reduced fee, but at the full fee, because the booking is not made with the required advance, which does not allow the City of Venice to foresee the presence of tourists to guarantee the city suitable levels of habitability, sustainability and of ways of using the city.
By booking on a red fee day, you buy at the same price that is offered if you buy the ticket on the spot in Venice, but anyway you benefit from avoiding queues thanks to the privileged access priority lane and you can take advantage of other free services, such as the free admittance to the Venice Casino.
Remember that to be able to purchase reduced fee tickets online you must book the services at least 7 days before arriving in Venice, i.e. 7 days before the date when you will collect and/or use the tickets.

 


tickets2) Choose product/services

Before you buy, please consider the followings:
1. You may get lower prices if you select other dates (check the calendar)
2. Read the description of each service you choose and its terms and condition of use to know exactly what you are buying.
3. You need to select the date you will access/start to use each service you add to your shopping cart.
Add the tickets of services you are interested in to your shopping cart one by one, by clicking on add to basket.
Please note that by choosing a date you will have the right to access/start to use the service in that date only.
4. Payments can be made by credit card only. (Visa, Visa Electron, Mastercard, Maestro)

How much do the tickets cost?

Check the fees for the days you have chosen for your stay in Venice accessing the electronic cart by clicking on the Buy now link and simulate the purchase. You can do it easily, by selecting on the calendar the first day you want to use the chosen service and adding the services you are interested in to your shopping cart one by one.
 

3) Insert your personal data

You are required to accept the terms of use of your personal data (Privacy regulations) and the terms and conditions under which //venice>connected offers users access to its services.






credit cards4) Proceed by providing your credit card details

Payments can only be done by credit card by means of a "Secure Socket Layer" encrypting the transaction between you and the online payment system.








PNR5) Congratulation! This is your unique code (PNR) for accessing all the services.

Your voucher contains a unique code (PNR), a summary of your purchased services and their prices.
Remember to bring the voucher with you when you come to Venice and show it when asked.
The voucher is sent to the email address you provided during the purchase process.
You can always access your voucher online by following the link specified in the e-mail sent to you as confirmation.
For further information please read the Terms of use.

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Borrowing money

""If you get a loan or buy something on credit you are using someone else's money and you have to pay a fee.
It's much cheaper to save up your own money to buy things, instead of going into debt. But if you do need to borrow, here is some information to help you understand and manage your loans and credit cards.

Different types of credit

""You are borrowing money if you sign up for:
  • Book up
  • Credit cards
  • Store cards
  • Car loans, personal loans or home loans
  • Interest-free deals
  • Bank overdrafts
  • Payday loans or cash advances

Loans and interest rates

LoanSharkVideoVideo: The loan shark

Find out what happens to Aunty and the loan shark.
Available in English and Pitjantjatara language
This story was made by isee-ilearn.com ©. For more stories visitwww.italklibrary.com/

When you borrow money you have to pay interest – a 'fee' for the use of the money borrowed. It's usually a percentage of the amount of money you borrow.
Always check the rate of interest you will be charged. The higher the interest, the more money you will have to pay back. Also find out if the interest is charged monthly, quarterly or yearly because this can make a big difference to how much you owe.

Case study: Jess gets a better deal

Jess borrows $600 for a year, at an interest rate of 10%. The interest is charged at the end of the year. Dan borrows $600 for a year at an interest rate of 5%. The interest is charged per month. Dan thought he got a better deal but after a year, Jess only has to pay back $660 ($600 plus $60 in interest). On the other hand, Dan has to pay $1,078 ($600 plus $478 in interest).

Use our personal loan calculator to find out how much you will be charged when you borrow money.


Payday loans

A payday loan is a short-term loan that you repay on the date of your next pay. These loans are very expensive. They charge high interest rates (sometimes 48%) and high fees.

Case study: Paul gets a payday loan

Paul needed to borrow $200 until his next pay. He got a payday loan and was charged $40 in fees. Paul couldn't pay the loan back when he got his pay and was charged 40% interest. A week later, when Paul got paid again, he had to pay back $320 – the loan and the interest. Paul should have tried to find other ways to borrow money rather than using a payday loan.

Back To TopCredit cards

""Credit cards let you buy things now and pay for them later. They can be very expensive with high fees and charges.
Here are some tips on using your credit card:
  • Pay the full amount you owe every month.  If you don't pay your credit card balance in full each month, it will take you a long time to pay off the total and you will pay a lot of extra interest.
  • Don't get cash out of your account using your credit card.  You will have to pay more in fees. Even if you pay the full amount back within the month, you still have to pay extra for withdrawing the cash.
  • Use our credit card calculator. See how your debt can grow. 
  • Read your credit card statements carefully. If you have been charged incorrectly contact your bank or credit union immediately. For more information see make a complaint.
  • Be careful with store cards. Before signing up to one of these credit cards, find out how much the fees and charges are. They can be much more expensive than other credit cards.

Case study: Gary paid off his credit card in 10 years

Gary signed up to a credit card offer he received in the mail. He went straight to the shops and bought a fridge for $1,000. A month later, Gary got the bill in the mail. The monthly minimum repayment was only $20, so that's all he paid. Gary was still paying for the fridge almost 10 years later. In that time, he had paid an extra $500 in interest.
For more information see credit cards.

Back To TopInterest-free deals

Big stores also sometimes offer interest-free deals for things like computers, electrical appliances and whitegoods. These deals might not be as cheap as they seem.
Tips for using interest-free deals:
  • Check the fees. Interest-free does not mean cost fee, you will still have to pay ongoing fees.
  • Pay off the deal before the interest-free period ends. If you don't you will be charged a very high amount of interest

Case study: Jenni buys a TV interest-free

Jenni bought a TV for $500, with a 12-month interest-free period. She was charged $20 a month in fees during the interest-free period. At the end of the interest-free period, Jenni had not paid off the TV and so she was charged 30% interest. In the end, the TV cost Jenni $900 (the actual cost, fees and interest).
For more information see interest-free deals.

It's cheaper to save your own money than to borrow. But if you do borrow check your budget to make sure you can afford the repayments. For more information listen to our audio segments on banks, loans and credit cards.
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The 7 Dumbest Ways to Borrow Money


Borrowing money is risky business. Sure, if you’re a combination of smart and lucky, the transaction may go smoothly and help you out of a bind. But seek help in the wrong place you could be living the ultimate financial nightmare: the never-ending loan.
Which lenders should be considered a last resort?

1. Payday loans
Payday loans are small short-term loans backed by your paycheck. Here’s how they work: You apply for a payday loan, listing your next two or three pay dates on the application. After getting approved, you write a postdated check for the loan amount plus interest and fees. On your next payday, the lender collects the balance due, or you can choose to “rollover” your loan until your next payday.
Payday loans appeal to people because they seem fast and easy. Most payday lenders don’t consider your credit history, so people with bad credit can still get approved as long as they have a source of income. And many lenders will give you the cash in just a few days, or hours in some cases.
But these loans come with a catch – high interest rates and fees. For example, Credit.com’s list of payday loan laws by state lists the maximum interest rate lenders can charge. Check out some of these terms:
  • Alabama – 17.5 percent
  • Colorado – 20 percent of the first $300, 7.5 percent for the remainder
  • Louisiana – 16.75 percent
These interest rates may not appear excessive – they seem similar to credit card rates. But credit cards quote the amount you’ll pay over a year, while payday lenders collect their interest in as little as a week. Annualize rates like those above and you’re paying triple-digit interest. Florida law, for example, allows only 10 percent interest, plus a $5 fee for loans from seven to 31 days. Do that for a year and you could be paying nearly 400 percent.
Therein lies the danger of the “rollover.” Many lenders allow customers to extend their loan to the next payday if they pay the fee plus any accrued interest. Since they’re not reducing principal, it’s easy to become trapped.

2. Pawnshops
Pawnshops lend you money by holding your stuff as collateral. But as far as rates go, they’re not much different from payday lenders. Loans are typically 30 to 90 days, and rates and storage fees can be 10 to 20 percent per month. If you can’t pay the loan when it’s due, the shop can sell your collateral, which is generally worth a lot more than the loan amount.
Despite the popularity of pawn-based reality shows, these places are no place to borrow money – or sell your stuff, for that matter. If you need to borrow money, there are much cheaper ways to do it. If you need to sell stuff, you’re better off cutting out the middleman and using a site like eBay or Craigslist.

3. Cash advances from credit cards
While cash advances from credit cards beat payday loans and pawnshops, they’re no bargain.
You can borrow up to your credit limit and get the money instantly, either by swiping your credit card in an ATM and entering your PIN, or by using one of those blank cash advance checks the credit card company sends in the mail.
Banks can charge up to 25 percent annual interest on cash advances, along with fees from 3 to 5 percent of the amount borrowed. In addition, unlike regular credit card purchases, you won’t get a grace period. The interest clock starts ticking on day one.

4. Buy-here-pay-here car dealerships
Every day I pass a shady-looking car dealership in my neighborhood. Their sign screams “No one is refused!” Every day a salesman stands outside holding up a different ad, like “Bad credit approved” or “Get a car for no money down!” Last week, the sign read, “Trade your old gold for a car!” This is an example of a buy-here-pay-here car dealership. They’re everywhere – according to the Center for Responsible Lending, more than two million cars were sold this way in 2010.
These dealerships often begin the sales process by looking not at cars, but your income and credit. Only when they learn what you can afford are you shown cars. Sign on the dotted line and you could be paying average annual interest rates of 24 percent. As Stacy said in the video above, that’s three to four times the rate of typical used-car loans. And that’s not all: The Center for Responsible Lending says 30 percent of these cars are repossessed and resold, and according to CNNMoney, some of these dealers repossess cars when the borrower is one day late.
In short, many of these lots aren’t really in the business of selling cars – they’re in the business of collecting interest. Lots of it.

5. Title loans
Like pawnshop loans and payday loans, title loans are small, short-term loans. The difference is these are backed by your vehicle. Since you’re putting up collateral, most lenders won’t consider your credit history. It seems appealing until you realize you’re handing over the title to your car for a loan that comes with extremely high interest. For example, The Los Angeles Times reported one lender in California charges an annual interest rate of up to 125 percent.

6. Direct deposit advance
Believe it or not, many banks now offer what amounts to payday loans. Your bank advances you a portion of your paycheck (for a fee) and then withdraws the money automatically the next time you get paid.
Direct deposit advances are a quick way to get cash, but as with payday loans, they can cause major financial troubles. First, you’ll pay a fee. For example:
  • USBank – $2.00 for every $20.00 borrowed
  • Wells Fargo – $1.50 for every $20.00 borrowed
  • Regions – $1.00 for every $10.00 borrowed
According to the Center for Responsible Lending, the average bank direct deposit advance carries an annual interest rate of 365 percent. As with payday loans, those living paycheck to paycheck can easily run out of money before the next payday and be tempted to take out another advance, putting them in an endless debt cycle.

7. Friends and family
Borrowing money from someone you know is tempting. After all, most family members wouldn’t charge you interest or take your car if you don’t pay them back. The problem? You’re risking your relationship if the deal goes bad. As Addison H. Hallock once said, “Before borrowing money from a friend, decide which you need more.”
The bottom line? Borrow money from any of these lenders, and your small problem today might become a huge problem tomorrow. Instead, consider building up an emergency fund to handle unexpected events. For tips on how to get started, check out:
  • Want to Get Richer? Here’s Step 1
  • 30 Tips to Spend Less and Save More
  • 25 Simple Ways to Save an Extra $1,000

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Spam Filter Review

Spam Filter Review


What Does Spam Filter Software Do?

These days one cannot open their email without seeing countless spam messages in their inbox. For the email-recipient, spam is easily recognized. However, the receiver of spam loses countless hours manually deleting the intrusive messages from their inbox. Spam filter software can help mitigate this overwhelming chore. Spam filter software can reduce the amount of junk mail delivered to a user's inbox.
Shockingly, the content of spam email can range from the incomprehensible to the downright obscene. Spam is dangerous to both the computer and its users. Junk mail can contain viruses, keyloggers, phishing attacks and more. These types of malware can comprise a user's sensitive private data by capturing bank account information, usernames and passwords. Spam blocker applications can assist a user in preventing these types of PC contaminations.
Certainly, there are advantages to using a spam blocker. However, no spam filter software is 100% effective. Despite this limitation, spam filter software can assist parents in blocking email that contains pornography and other questionable content.
Clearly, a war is waging inside a user's inbox. The battle to stop spam is an ongoing ever-changing fight. Implementing spam filter software is a good first protective step. Spam filter software can help a user create a solid wall of defense that only lets wanted emails into their inbox.
In this site, you will find articles about spam filter software as well as side-by-side comparisons and objective reviews about the top spam filter software available. We will provide the information you need to make an informed decision about which spam filter software is the best for you. At TopTenREVIEWS We Do the Research So You Don't Have To.™

What to Look for in Spam Filter Software

The best spam filter software is easily customizable by computer users of all levels. The most important feature of any spam filter software is the ability to reliably prevent and block spam. The spam filter software you pick should support multiple email clients and webmail service providers. It is important to choose a spam filter software that meets your needs and fits into the services and applications you use.
Below are the criteria TopTenREVIEWS used to evaluate the best spam filter software:
Blocking/Filtering
Reliably blocking and filtering spam is the most valuable feature of any spam filter software. The spam filter software should come equipped with multiple capabilities that prevent junk mail from contaminating the user's inbox. The best spam filtering software has both black and white lists, sensitivity settings, community-based filtering, challenge and response techniques, and quarantine settings. Additional features to evaluate are blocking by IP address, server, email address, and country code.
Protection
Spam blocker apps should have the capability of protecting multiple user accounts with a single installation. Moreover, the spam blocker must protect the user from email that contains worms, viruses, Trojans, attachments with embedded keyloggers and other malware. Additionally, robust spam filter software can identify HTML email that contains phishing attacks designed to garner a user's sensitive personal information.
Rules
The spam filter software should give the user the ability to edit predefined rule settings as well as the creation of new rules. The best spam filter software can adapt to meet the needs of the user, not the other way around.
Compatibility
When selecting a spam blocker, one needs to evaluate if the spam filtering software they select is compatible with their current email client or webmail service provider. Common supported email clients include Thunderbird, Outlook, Outlook Express and other POP3/SMPT applications. The spam filtering software should also support several webmail service providers like Gmail, Yahoo, Hotmail and others.
It is unfortunate that spam and junk email is cluttering up everyone's email inbox. Spam filter software can assist a user in managing these unwanted solicitations. With a spam blocker in place, users can spend more time reading valid email instead of wasting time manually filtering unwanted email messages. In this spam filter software review our top three spam blockers are SPAMfighter Pro, Cloudmark DesktopOne Pro and MailWasher Pro 2010.
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Other methods of quitting smoking

Other methods of quitting

Other tools may help some people, but there’s no strong proof that they can improve your chances of quitting.

Methods without nicotine

Hypnosis

Hypnosis methods vary a great deal, which makes it hard to study as a way to stop smoking. For the most part, reviews that looked at controlled studies of hypnosis to help people quit smoking have not supported it as a quitting method that works. Still, some people find it useful. If you would like to try it, ask your doctor if he or she can recommend a good hypnotherapist.

Acupuncture

This method has been used to quit smoking, but there’s little evidence to show that it works. Acupuncture for smoking is usually done on certain parts of the ears. (See our document, Acupuncture for more on this.) For a list of doctors who do acupuncture, contact the American Academy of Medical Acupuncture at 323-937-5514 or visit their Web site at www.medicalacupuncture.org.

Low-level laser therapy

This technique, also called cold laser therapy, is related to acupuncture. Cold lasers are sometimes used instead of needles for acupuncture. The treatment is supposed to relax the smoker and release endorphins (pain relief substances that are made naturally by the body) to mimic the effects of nicotine in the brain, or balance the body’s energy to relieve the addiction. Despite claims of success by some cold laser therapy providers, there’s no scientific evidence that shows this helps people stop smoking. (See our document called Cold Laser Therapy for more.)

Filters

Filters that reduce tar and nicotine in cigarettes do not work. In fact, studies have shown that smokers who use filters tend to smoke more.

Smoking deterrents

Other methods have been used to help stop smoking, such as over-the-counter products that change the taste of tobacco, stop-smoking diets that curb nicotine cravings, and combinations of vitamins. At this time there’s little scientific evidence that any of these work.

Herbs and supplements

There’s little scientific evidence to support the use of homeopathic aids and herbal supplements as stop-smoking methods. Because they are marketed as dietary supplements (not drugs), they don’t need FDA approval to be sold. This means that the manufacturers don’t have to prove they work, or even that they’re safe.
Be sure to look closely at the label of any product that claims it can help you stop smoking. No dietary supplement has been proven to help people quit smoking. Most of these supplements are combinations of herbs, but not nicotine. They have no proven track record of helping people to stop smoking.

Other nicotine and tobacco products not reviewed or approved by the FDA

Tobacco lozenges and pouches

Lozenges that contain tobacco and small pouches of tobacco that you hold in your mouth are being sold as other ways for smokers to get nicotine in places where smoking is not allowed. The FDA has ruled that these are types of oral tobacco products much like snuff and chew, and are not smoking cessation aids. There’s no evidence that these products can help a person quit smoking. Unlike scientifically proven treatments with known effects, such as nicotine replacement products, anti-depressants, nicotine receptor blockers, or behavioral therapy, these tobacco products have never been tested to see if they can help people quit tobacco.
We know that oral tobacco products such as snuff and chewing tobacco contain human carcinogens. These products cause mouth cancer and gum disease. They also destroy the bone sockets around teeth and can cause teeth to fall out. There are studies showing potential harmful effects on the heart and circulation, as well as increased risks of other cancers. They also cause bad breath and stain the teeth. They are not safe alternatives to cigarettes, nor do they help people quit tobacco.

Electronic cigarettes

In 2004, a Chinese company started making a refillable “cigarette” with a battery and an electronic chip in it. It’s designed to look like a cigarette, right down to the glowing tip. When the smoker puffs on it, the system delivers a mist of liquid, flavorings, and nicotine that looks something like smoke. The smoker inhales it like cigarette smoke, and the nicotine is absorbed into the lungs.
The electronic cigarette, or e-cigarette, is sold with cartridges of nicotine and flavorings. Several brands and varieties of the e-cigarette are now sold in the United States. The e-cigarette is usually sold as a way for a smoker to get nicotine in places where smoking is not allowed, but some have sold it as a way to quit smoking. The cartridges are sold as having different doses of nicotine, from high doses to no nicotine at all.
The e-cigarette has no published clinical trials that suggest it might work as a way to help smokers quit. No clinical trials have been submitted to the FDA. As of late 2011, the courts determined that the FDA could regulate e-cigarettes like they do other tobacco products, under the Tobacco Control Act. But if e-cigarettes are marketed for therapeutic purposes (such as quitting smoking), they would be regulated as drugs and/or devices.
There are questions about how safe it is to inhale some substances in the e-cigarette vapor into the lungs. The ingredients in e-cigarettes are not labeled, so the user doesn’t know what’s in them. The amounts of nicotine and other substances a person gets from each cartridge are also unclear. The manufacturers say that the ingredients are safe, but it’s not clear if they are safe to inhale — many substances that are safe to eat can harm delicate tissues inside the lungs.
Information from the FDA suggests that e-cigarettes are not always safe. A 2009 analysis of 18 samples of cartridges from 2 leading e-cigarette brands found cancer-causing substances in half the samples. There were other impurities noted as well. For example, diethylene glycol, a toxic ingredient found in antifreeze, was found in one sample.
Information from the same testing suggests that there may be manufacturing problems with some brands of e-cigarettes. Nicotine levels from each puff varied a great deal, even between cartridges labeled as having the same nicotine amounts. Testing also found small amounts of nicotine in most of the cartridges labeled nicotine-free.
Like other forms of nicotine, the e-cigarettes and nicotine cartridges can be toxic to children or pets. They can also pose a choking hazard.
Electronic cigarettes are now being used differently from when they were first introduced. Some sellers offer liquids that can be added to e-cigarette systems as a way to take in drugs other than nicotine. For instance, they advertised Cialis® (tadalafil) could be put into inhalation cartridges and “smoked.” Some companies have offered vitamins and an unapproved drug that is supposed to curb cravings and appetite. The FDA has warned at least one US company about this, but new sellers are cropping up in countries with less stringent drug laws.

Nicotine lollipops and lip balms

In the past, some pharmacies made a product called a nicotine lollipop. These lollipops often contained a product called nicotine salicylate, which is not approved by the FDA for pharmacy use. The FDA warned pharmacies to stop selling nicotine lollipops and lip balm on the Internet, calling the products “illegal.” The FDA also said “the candy-like products present a risk of accidental use by children.”
Other smoking cessation products like these that do not use nicotine salicylate may be legal if they are prescribed by a doctor. Because doses vary, you will need to talk with your doctor about how to use them. But they still pose a risk for children and pets if they are not well-labeled, carefully stored, and disposed of safely.


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