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OffHotels Hotel Price Comparison: 5 Star Hotels for Less, hotel comparison.#Hotel #comparison

Hotel Discount Codes | Valid November 2017

Last updated by Hazel on 18 Nov 2017, 2:57am

These discount codes work for hotel bookings only. You’ll be able to enter them just before the payment page and the discount will be applied instantly. Sometimes – but not always – major hotel chains such as Hilton, Sheraton, Marriott, Hyatt, Novotel, Shangri-La etc. are excluded.

Other websites list a lot of expired codes. We don’t. We check this list DAILY.

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  • 16% Off

the code expires Nov 20, 2017

the code expires Nov 24, 2017

the code expires Nov 20, 2017

the code expires Dec 31, 2017

the code expires Nov 30, 2017

the code expires Nov 20, 2017

the code expires Nov 20, 2017

the code expires Nov 20, 2017

Please notify us if a code doesn’t work. You can also find travel site specific discount codes here: Hotels.com / Expedia / CheapTickets / Hotelopia / HotelsClick

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OffHotels by Stefan Zwanzger aka The Theme Park GuyВ© and Theme Park Holding Ltd, 11/F, Po Cheong Commercial Bldg, 29 Prat Avenue, Tsim Sha Tsui, Hong Kong

in affiliation with HotelsCombined Pty Ltd, Sydney, Australia & Hotellook, Phuket, Thailand & Booking.com B.V., Amsterdam, The Netherlands

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Triporia Hotel Comparison Site, hotel comparison site.#Hotel #comparison #site

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Hotel Comparison With A Difference

With the dawn of the digital age, comparing hotel prices and/or facilities across multiple booking agents and platforms has never been easier. Comparison engines are becoming increasingly sophisticated (as are searchers!) and with this comes a growing level of pricing harmony

In short, it’s now a lot easier to discover that hotel A is cheaper than hotel B – good for the consumer as a whole, but not for the more price aware traveller who prides himself (or herself) on finding the deals that others cannot.

A new way to compare

Comparison is good! That was the one constant in our minds when we sat down at Triporia HQ, AKA my grandparent’s garage, and began to dig through a long list of other things we could compare to help people find better value accommodation.

WIFI speed, bathrooms, tea making facilities, ironing boards Errr Let’s just say that many near irrelevant conversations later it dawned us that it was not the ‘what’ we should be comparing, but the ‘when’.

Alas (drumroll), Triporia, the first hotel comparison site that compares on date was born. Of course, shortly behind our eureka moment was the ‘but I can do this myself? chorus, to which we replied ‘that would take you a decade’

Currently in beta, the Triporia website can show you nightly rates of over 20,000 hotels, up to 90 days in advance, for any destination, all on the same page. Did I mention that we have a map as well? Thanks Google!

Why compare on date?

We conducted a small survey and found that over 70% of people would change the date of their next trip, within a reasonable 2-3 week window, if they could save just 10% on their hotel booking.

Fuelled by that single factoid, we set out to build a system that could find such savings quickly!

What we found was startling By lining all the rates up on the same page, it was easy to see massive savings, with some nightly rates up to 40% cheaper than the 30 day average price.

‘When is the cheapest time to visit Prague?’, ‘What’s the cheapest 5 star hotel in New York next Tuesday?’, ‘What is that thing growing on my ?’. Ok, we’ve not found the root of pi, but we have found a way to save you a few shillings on your next trip. So please (seriously, please!) check back soon to give it a try!

Triporia Coming soon to a computer near you!

Welcome

Hotel Comparison With A Difference

With the dawn of the digital age, comparing hotel prices and/or facilities across multiple booking agents and platforms has never been easier. Comparison engines are becoming increasingly sophisticated (as are searchers!) and with this comes a growing level of pricing harmony

In short, it’s now a lot easier to discover that hotel A is cheaper than hotel B – good for the consumer as a whole, but not for the more price aware traveller who prides himself (or herself) on finding the deals that others cannot.

A new way to compare

Comparison is good! That was the one constant in our minds when we sat down at Triporia HQ, AKA my grandparent’s garage, and began to dig through a long list of other things we could compare to help people find better value accommodation.

WIFI speed, bathrooms, tea making facilities, ironing boards Errr Let’s just say that many near irrelevant conversations later it dawned us that it was not the ‘what’ we should be comparing, but the ‘when’.

Alas (drumroll), Triporia, the first hotel comparison site that compares on date was born. Of course, shortly behind our eureka moment was the ‘but I can do this myself? chorus, to which we replied ‘that would take you a decade’

Currently in beta, the Triporia website can show you nightly rates of over 20,000 hotels, up to 90 days in advance, for any destination, all on the same page. Did I mention that we have a map as well? Thanks Google!

Why compare on date?

We conducted a small survey and found that over 70% of people would change the date of their next trip, within a reasonable 2-3 week window, if they could save just 10% on their hotel booking.

Fuelled by that single factoid, we set out to build a system that could find such savings quickly!

What we found was startling By lining all the rates up on the same page, it was easy to see massive savings, with some nightly rates up to 40% cheaper than the 30 day average price.

‘When is the cheapest time to visit Prague?’, ‘What’s the cheapest 5 star hotel in New York next Tuesday?’, ‘What is that thing growing on my ?’. Ok, we’ve not found the root of pi, but we have found a way to save you a few shillings on your next trip. So please (seriously, please!) check back soon to give it a try!

Triporia Coming soon to a computer near you!





Best hotel comparison site – New York City Forum, hotel comparison site.#Hotel

Best hotel comparison site – New York City Forum

    Browse forums
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Hotel comparison site

I m finally seeing a chance to plan my next trip to NYC. I see a lot of ads for Trivago. Has anyone used them? Does anyone else have any recommendations for a good hotel comparison site? BTW, I don t need a flight. I m going to look for a hotel in or near the Theater District as I will be doing a theater marathon with parking in or very near the hotel. I don t really have a budget as I am in the process of closing on my old house so I plan on treating myself to a trip with no budget limits.

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Trivago just complies info from other sites and then directs you to those sites.

I ve had pretty good results using booking.com.

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I looked around at the different sites and I found booking.com the easiest to navigate and run different types of searches to then compare, price, rating, location etc.. I ended up booking direct after doing the research. I am doing it again for the upcoming trip as it ll be a different time of year and I know what else I want to see and do now

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Sites like Trivago or Kayak can be useful for price shopping, but they link to all sorts of low reputation sites along with the well known and reliable ones. Unless you know what you are doing, you can end up booking with a booking site that has a bad reputation. Just because a site is featured does not mean that it is endorsed or recommended . Think of it almost like advertising.

Booking.com, Expedia.com, Hotels.com are a few of the reliable options. You can use the others to price shop if you have the patience to filter out the less-reliable booking sites.

No matter where you book, read and reread the exact conditions of the exact rate you are booking. Also read whether there are resort fees and note that tax usually isn t included in the displayed prices (adds

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The five best flight comparison websites and apps, hotel comparison website.#Hotel #comparison

The best flight search websites – tried and tested

T he internet’s supposed to make things easier when comparing flights. Rather than juggle dozens of airline websites, meta-search engines do the job for you, rifling through countless prices to find the best offers. The only snag is there are dozens of such sites, too, so which should you use?

To find out, I tested 10 leading flight search and booking sites against a range of journeys, including domestic flights within the UK, short-haul hops to Europe, and longer trips to the USA, Australia, and China. To shake things up, an internal US flight was thrown into the mix, along with Shanghai to Sydney, and then – for those sites capable of it – a couple of multi-city breaks.

In each case, prices were noted down for a trip only a few days away and a more sensible booking months in advance. Colossal layovers were ignored, on the basis no-one likes spending 30 hours in an airport. This was all about finding the cheapest sensible flights.

Which one is the best, then?

Hang on a bit – I’ll get to that, because the answer’s not straightforward. Although meta-search engines and flight scanners have come on in recent years, there are shortcomings. Sites often display prices that aren’t accurate, which jump when clicking through to a booking agent.

Elsewhere, some revel in ‘hacker fares’. Occasionally, these are handy, with two single tickets (perhaps with different airlines) saving you a bundle of cash; but do watch what airport a site plans to deposit you at when your trip’s done – it might not be where you started.

Now and again, other quirks become evident. Hipmunk weirdly failed on a few too many occasions and kept covering the page with adverts. TravelSupermarket had a bad time during testing for short-notice European trips, seemingly lacking access to certain budget carriers. Google Flights (fortunately rarely) had the opposite problem, unable to display pricing for direct trips from China to Australia, despite other sites having no such issues.

When it comes to money, though, there’s little between sites when booking long in advance, with the range for most journeys being a few percentage points. For short-notice journeys, I found much more variance. Your best bet is to use two or three of the sites listed below, and also to always double-check an airline’s ticket prices before booking through a third-party, just in case a cheaper option’s going wanting.

1. Kayak: best for generally lower prices

The strange thing about Kayak is that of all of the journeys I tested, it was cheapest precisely once: a summer London/Barcelona return, which somehow turned out to be a fiver less than even Expedia’s impressively low price. Despite this, it quietly ended up the cheapest site overall when totting up the entire range of short-term journeys, and was within two per cent of Google Flights for bookings made months in advance.

On that basis, it feels trustworthy as a first (and, if you’re feeling lazy, only) port of call when looking for flights. Do note, though, that Kayak seems particularly invested in hacker fares. That return mentioned earlier initially came up significantly cheaper than on any other site, until closer inspection revealed Kayak’s intention for you to play ‘guess the airport’ during your journey.





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From the Queen’s home at Buckingham Palace, to Shakespeare’s Globe Theatre; from the giant flagship stores on Oxford Street, to the boutiques of Covent Garden; from the natural beauty of Hyde Park, to the manmade majesty of Tower Bridge: London is a mass of contrasts and surprises, with something for shoppers, foodies to art lovers alike.

Where to stay

Thousands of London hotels, you say. We say, never fear! TravelSupermarket is here to take the hassle out of finding a place to stay.

As Europe’s biggest city, it’s no surprise that the choice of accommodation in London is huge and potentially baffling.

What to see

One of the world’s most important cities, London captivates with its vast offering of historic and modern attractions…

Top five attractions

This is one of the largest parks in London and a fabulous green space that was once home to the Crystal Palace, the centrepiece of the 1851 Great Exhibition. Take a stroll, row a boat, have a picnic – the park is there for all to enjoy.

What’s on?

London is alive with events throughout the year. Here are just three of the top annual events on London’s packed cultural calendar…





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We make it fun, easy and hassle-free to find the world’s best hotels at low prices. A swanky five-star stay in London? You got it. Low-cost elegance in Paris? It’s yours. Two minutes to Times Square in New York? No problem. Your perfect hotel is here on TravelSupermarket.

Simply run a search, use our handy sliders to narrow by star rating, guest rating, price and location, and then compare cheap hotel deals. You can even search by facility, if you fancy a game of tennis, need an airport transfer or must have free wi-fi (or other useful stuff). Booking is easy too, as we take you direct to the travel company.

If scouring the internet for your ideal hotel feels like finding a needle in a haystack, think of TravelSupermarket as the genius who brought the metal detector. We use our super search and comparison powers to help you find the best hotel deals.

Hear the Story of the Irish in Dublin, tour the Nine Streets in Amsterdam, soak up the sun and cosmopolitan vibe in Majorca, learn about sporting and music greats in Manchester. Intrigued? You should be, the world is a fascinating place and it is calling your name. So answer the call and book an awesome hotel deal.

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Whatever you do, wherever you go, search wider, plan smarter and Travel Super with TravelSupermarket.





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We have helped thousands of travellers save money on their hotel since our launch in 2009. This is what they are saying!

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Features

The Blog

Latest news, features and offers.

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Attractions, Hotels Guide, Quirky Hotels, Travel Advice

Traditional Tokyo With A Twist

A trip to Tokyo can be like taking a step into another world, a bombardment of unusual colours.

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Top 10, Travel Advice

Top Five Heli-Skiing Destinations

Are you a dedicated powder junkie? Looking for a new off-piste challenge? Read on! Hotel Price Scanner’s ski.

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Attractions, Events, Travel Advice

Agatha Christie Festival

Every year in late September, crime fans gather in South Devon to celebrate the life and works of.

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Hotel Lodging News, Hotels Guide, Travel Advice

Jazz up your stay at the Jade Hotel, New York

When visiting the Big Apple your hotel bill can bite a big chunk out of your budget, so.

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City Guides

New York City Guide

Arguably the most exciting city in the world, New York is the ultimate year-round tourist destination. Whether you.

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The Hotel Price Scanner is the world’s leading hotel price comparison service. We are 100% independent and have no direct relationship with any hotels or booking providers. Our service offers not only price information, but also hotel reviews, descriptions and millions of hi-resolution images. Our search engine queries more than 200,000 hotels in thousands of destinations in approaching 200 countries worldwide and we guarantee to find you the cheapest rates!

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City breaks

Is the allure of the city whispering in your ear and tugging at your sleeve? It can be hard to resist. The shops, the bars, the hand-in-hand strolls. city breaks are undeniably romantic. They’re also great fun, and terrific value when you compare deals on TravelSupermarket.

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Is the allure of the city whispering in your ear and tugging at your sleeve? It can be hard to resist. The shops, the bars, the hand-in-hand strolls. city breaks are undeniably romantic. They’re also great fun, and terrific value when you compare deals on TravelSupermarket.

All inclusive

All-inclusive packages take hassle-free planning to the next level, making holidays a piece of cake. Are you up for plates of tasty cuisine, prepared for you in your hotel, with no dishes to wash afterwards? We’re sure you are – and the kids might also enjoy the all-you-can-eat ice cream…

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Is the allure of the city whispering in your ear and tugging at your sleeve? It can be hard to resist. The shops, the bars, the hand-in-hand strolls. city breaks are undeniably romantic. They’re also great fun, and terrific value when you compare deals on TravelSupermarket.

Family holidays

Sandcastles on the beach, splashing around in the pool and endless ice-creams in the sun – family holidays are for making memories you’ll never forget. Create something special when you search and compare deals with TravelSupermarket.

Summer deals

Whether you prefer to book ahead or love to bag a last-minute deal, compare beach and city breaks on TravelSupermarket to help save money on your summer 2018 holiday.

Flights

Enter your requirements and hit search, then compare a huge range of flight deals from over 25 leading travel companies – all on one website. Simply choose the best deal and you’ll be transferred to the provider’s site to make your booking.

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Strut into the hotel room, throw your key card on the table, nod at your companion – whatever you do, do it with swagger, for you’ll have booked an amazing place to stay. Just one search on TravelSupermarket unlocks the doors to great hotels and low prices.





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It’s deals time! Find the best price for your hotel stay

Whether you are a holiday DIYer, a planner of amazing city breaks or a squidgy-hearted romantic seizing a weekend with the other half, unleash your travel-planning superhero when you use TravelSupermarket to find and book cheap hotel deals.

Our top picks.

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London hotels from £35 per night

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Enter your requirements and hit search, then compare a huge range of cheap hotel deals from leading room providers – all on one website. Simply choose the best deal and you’ll be transferred to the provider’s site to make your booking.

We can save you money

As part of the MoneySuperMarket Group, we’re dedicated to saving you money. Comparing deals allows you to find the best value room for your needs, from cheap hotels to luxury suites.

It’s stress-free

Our service is secure, free and easy to use – we compare deals from the largest and most reputable hotel room providers so you don’t have to, ensuring you never pay more than necessary.

Hassle-free hotel booking

We make it fun, easy and hassle-free to find the world’s best hotels at low prices. A swanky five-star stay in London? You got it. Low-cost elegance in Paris? It’s yours. Two minutes to Times Square in New York? No problem. Your perfect hotel is here on TravelSupermarket.

Simply run a search, use our handy sliders to narrow by star rating, guest rating, price and location, and then compare cheap hotel deals. You can even search by facility, if you fancy a game of tennis, need an airport transfer or must have free wi-fi (or other useful stuff). Booking is easy too, as we take you direct to the travel company.

If scouring the internet for your ideal hotel feels like finding a needle in a haystack, think of TravelSupermarket as the genius who brought the metal detector. We use our super search and comparison powers to help you find the best hotel deals.

Hear the Story of the Irish in Dublin, tour the Nine Streets in Amsterdam, soak up the sun and cosmopolitan vibe in Majorca, learn about sporting and music greats in Manchester. Intrigued? You should be, the world is a fascinating place and it is calling your name. So answer the call and book an awesome hotel deal.

Plan in advance to find cheap rooms or grab a last-minute hotel deal.

Whatever you do, wherever you go, search wider, plan smarter and Travel Super with TravelSupermarket.





Compare Cheap Hotel Prices & Deals at, hotel comparison site.#Hotel #comparison #site

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We’ve partnered with weholiday.co.uk [1] so you can compare hotels in thousands of destinations worldwide

  • We help you choose the right location, date, type of accommodation and room
  • Compare hotel choices by type of board, star rating, location, amenities and price
  • Use our photo galleries and street-level-view map to get a real feel for the place

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When can I get the cheapest hotel deals?

Can’t afford to blow your whole holiday budget on a hotel? Fear not – we’ve got just the ticket!

All it takes is a quick search to compare hotels – or hotel and flight combinations – with the help of weholiday.co.uk [1] . You’re in good hands – they’ve got ABTA and ATOL membership.

Just choose a destination that tickles your fancy, book online and start packing. Sorted.

Which type of hotel should you choose?

Whether you’re looking for a place to rest your head or somewhere to lounge on lazy days, finding the perfect hotel for you is pretty easy.

Top travel tip

You’ll need to decide whether you want:

  • A budget hotel – basic and comfortable
  • A hotel chain – consistent and familiar
  • An independent hotel – personal and friendly
  • Or a boutique hotel – intimate and luxurious

Once you’ve worked out exactly what you want, it’ll be quicker to compare hotel prices to find an option which is value for money at your chosen destination.

It’s also worth checking out the hotel’s amenities, the location on a map and taking a gander at any photos, so you know exactly what to expect.

Different hotel board types

Constantly arguing about where to eat?

To avoid any holiday rows – we know, we’ve all been there – choose a board type that’ll suit your break away and budget.

You can choose between:

  • Room only – rather self-explanatory
  • B B – just breakfast
  • Half-board – a little more – breakfast and dinner
  • Or all inclusive – food, drinks, the lot. But – and this is a big but – your drinks will probably be from a limited menu. No gold infused vodka for you.

Help me out


Room service

If you need a nudge in the right direction, feel free to browse through our handy guides. We’ve got a load of stuff to help you out, including information on the different room options and star ratings, as well as guidance on packing.

There’s also plenty of useful money-saving tips including how to make cheap phone calls when you’re abroad, as well as when to book your hotel and information on cancellations.

Top tips for your trip


  • Time your break wisely – if your holiday clashes with a big music or sports event, it’ll bump prices up
  • Being pretty flexible with your dates will give you a better chance of finding a great price
  • Some hotels will charge if you cancel at short notice, so check the cancellation policy before you book
  • The hotel star rating system only applies to the UK but searching on sites like TripAdvisor will let you read reviews

Bon voyage!

Whether you’re off on a family holiday (good luck!) or a nice romantic break (wit woo!), see if you could save a bit of cash on your hotel today.

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    [1] Gocompare.com introduces customers to weholiday.co.uk. For all pre-booked travel arrangements bought from Gocompare.com, weholiday.co.uk acts as an authorised travel agent

    weholiday.co.uk is a trading name of P P Associates Limited. Registered in England No. 2124920. Registered Office: Patteson Court, Nutfield Road, Redhill, Surrey, RH1 4ED

    P P Associates holds full ABTA membership under ABTA number G3655. ATOL licence number 5360. It should be noted that this licence includes some but not all products sold on this site





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    Room service

    If you need a nudge in the right direction, feel free to browse through our handy guides. We’ve got a load of stuff to help you out, including information on the different room options and star ratings, as well as guidance on packing.

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    Top tips for your trip


    • Time your break wisely – if your holiday clashes with a big music or sports event, it’ll bump prices up
    • Being pretty flexible with your dates will give you a better chance of finding a great price
    • Some hotels will charge if you cancel at short notice, so check the cancellation policy before you book
    • The hotel star rating system only applies to the UK but searching on sites like TripAdvisor will let you read reviews

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    [1] Gocompare.com introduces customers to weholiday.co.uk. For all pre-booked travel arrangements bought from Gocompare.com, weholiday.co.uk acts as an authorised travel agent

    weholiday.co.uk is a trading name of P P Associates Limited. Registered in England No. 2124920. Registered Office: Patteson Court, Nutfield Road, Redhill, Surrey, RH1 4ED

    P P Associates holds full ABTA membership under ABTA number G3655. ATOL licence number 5360. It should be noted that this licence includes some but not all products sold on this site





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    [3] Gocompare.com introduces customers to theidol.com which is authorised and regulated by the Financial Conduct Authority. theidol.com is a trading name of Investment Discounts Online Limited. Gocompare.com’s relationship with theidol.com is limited to that of a business partnership, no common ownership or control rights exist between us

    [4] Gocompare.com introduces customers to broadbandchoices which is not regulated by the Financial Conduct Authority. Gocompare.com’s relationship with broadbandchoices is limited to that of a business partnership, no common ownership or control rights exist between us

    [5] For comparing quotes online, Gocompare.com introduces customers to theidol.com

    For help, guidance and advice, Gocompare.com, introduces customers to Assured Futures Limited. Assured Futures Limited is authorised and regulated by the Financial Conduct Authority no. 176392. theidol.com and Assured Futures are authorised and regulated by the Financial Conduct Authority and Gocompare.com’s relationships with these companies are limited to that of a business partnership, no common ownership or control rights exist between us

    [6] For loans Gocompare.com introduces customers to Lovemoney.com Financial Services Limited which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Lovemoney.com Financial Services Limited is limited to that of a business partnership, no common ownership or control rights exists between us

    Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites


    Find return rate on whole life insurance #term #life #insurance #rate #comparison


    #

    Find rate of return on whole life insurance

    When it comes to sorting the good whole life insurance policies from the bad, consumers focus on one number alone how much money their policy will generate.

    To project how much money your policy will yield 10, 20 or even 30 years from now, insurance companies calculate the policy s expected yearly growth. Better known as the internal rate of return, your IRR will dramatically change the longer you own the policy and will be a crucial factor for deciding whether it s smarter to hold on to your policy or shop around for a new one.

    Unfortunately, figuring out how much money your whole life policy is yielding now and what it will yield in the future is far more difficult than simply reading your policy s fine print. Here are some tips for determining how much cash your cash value policy is really providing.

    Don t do it alone

    Figuring out the rate of return on your whole life policy is almost impossible for consumers to do without help from the pros, says Tony Steuer, a life insurance analyst in Alameda, Calif. and author of Questions and Answers on Life Insurance.

    There are tons of moving parts to a lot of life insurance contracts … (and) insurance companies usually don t disclose certain information to their customers, like if they ve had a change in mortality rates, he says.

    Steuer adds that the method for calculating the rate of return on whole life insurance policies varies from company to company. While all companies factor in certain variables including how long you ve owned the policy, dividends (if applicable) and mortality charges, how much each factor counts for varies significantly between insurance providers and policies.

    Approach projections with caution

    While whole life providers frequently won t disclose how your rate of return is calculated, they will offer illustrations of how your policy is projected to perform in the future. All illustrations should include information on the costs of the policy, how much you ve paid, your current death benefit and the cash surrender value you would get for canceling the policy today. It should also include future predictions on how your policy should perform five, 10 and 20 years down the road. The bad news is that insurance illustrations are lengthy, frequently riddled with tough-to-understand industry jargon and could include predictions so outrageously optimistic, there s no way your policy will actually reach them.

    (Insurance illustrations) include a guaranteed column, says Kelly O Connor, managing agent with Mountain Financial, LLC, a wealth management group in Greenwood Village, Colo. This explains what the policy is guaranteed to look like over a certain time frame. (Consumers) can trust that guaranteed piece of the illustration.

    In certain whole life contracts, O Connor says that consumers can get an idea of how close other projections are by examining the company s dividend payout history.

    All mutual insurance companies publish their dividend history, so if you look back and see that they ve never been under 5.5 or 5.25 (percent dividends) for the last 100 years, there s a pretty good chance that that will continue, he says.

    Look ahead

    Cash value life insurance policies are designed to be long-term investments, not short-term ways to make a quick buck, says Glenn Daily, a Certified Financial Planner and fee-only insurance consultant based in New York City. To understand the rate of return for your policy, check out how the policy is projected to perform over the next few decades.

    If you re thinking of buying a new policy, You need to see the average annual and year-by-year rate of return for at least the first 20 years, says Daily. Those who already own policies should focus on the average annual and year-by-year rates of return for the next five to 10 years. By examining how their whole life policy is performing on a yearly basis, consumers get a firm idea of what kind of performance they can expect in the near future.

    Consumers should know that the year-by-year rate of return will substantially differ from the rate of return generated over several years, says James H. Hunt, a life insurance actuary for the Consumer Federation of America and former insurance commissioner of Vermont.

    It may take as long as 10 years for the average annual rate of return on a cash value life insurance policy to turn positive, mainly due to heavy first year commissions and related sales expenses, he says.

    When comparing policies or deciding if it s worthwhile to stick with the one you have, Hunt recommends hiring a third-party insurance analyst to evaluate whether a whole life policy makes sense in the long haul.

    It s impossible to know what you re getting into without hiring an expert, he says.


    Auto Insurance Quotes Compare #auto #insurance,cheap #auto #insurance,cheap #auto #insurance #quotes,compare #auto


    #

    Compare Auto Insurance Quotes

    Enter your 5-digit ZIP Code, and click at “Compare Quotes” then get the best auto insurance rates saving over $520 on automotive policy. We are here to provide you cheap and quality auto insurance quotes that can be obtained through comparison tool online. Check out here leading national insurers that provide various auto insurance deals to choose the cheapest annual prices. Such comparison process allows you to get free quotations by zip code, just in some minutes. It compares offers and provides quote by quote from major USA vehicle insurers unless the client is satisfied, including home insurance quotes. Also you may get few different offers from top companies, this is also available when you enter your zip code and start the process online.

    Comparison of Auto Insurance

    It is clear how is affordable our rates are, and how much you can save with us. If you use free quotes comparison service, this is the best way to be insured, finding cheap prices and take advantage of them. Spend around 2 minutes to protect yourself and your auto to stay prepared to accidents and damage which may happen with your vehicle and another person’s car or city property.

    How to Apply Quote Request

    Enter zip code and go to the next step. It needs to fill in some information about your vehicle if you are looking for auto insurance policy. To get home insurance coverage you need to provide information about your house accordingly. Usually agents and companies ask to provide such information because it needs to calculate rates online using zip code. We compare offers from huge amount of companies and provide you the most affordable offers. Comparison takes few minutes, check out quotes online and save on policy.


    Getting an Auto Insurance Quote Online – 21st Century #auto #insurance #quote


    #

    The Benefits of Getting an Auto Insurance
    Quote Online

    According to the 2010 U.S. Online Auto Insurance Report by comScore, a record 2.8 million auto insurance policies were purchased online in 2009; that’s an increase of 80% since 2006!

    The statistics around online shopping are not surprising. It’s easy, quick and more convenient to compare auto insurance quotes when you do it online. For many people, comparing auto insurance costs online means you can shop at your own pace. For others, it’s just a quick and easy way to save some money.

    So are you in the market for auto insurance? Are you interested to see how 21st Century Insurance can give you the same great coverage for less? Here’s how you can make the most of it:

    1. Be Prepared
    Shopping for car insurance is incredibly easy if you’re prepared. Before getting started, make sure you have the following information available. That way you can be sure you’re making an apples-to-apples comparison of the coverage you’re pricing:

    Your current insurance declarations page.

    Year, make, model and Vehicle Identification Number (VIN) of each car you’re insuring.

    Your annual mileage and distance to work.

    Any security features on your vehicles.

    Name, occupation, gender, number of years licensed, and driver’s license number of each household member old enough to drive.

    Information about any accidents or violation in the past three years, including dates, who was at fault, if someone was injured and the amount of any claims.

    2. Think about your needs
    Look at your current policy and make sure it reflects your current situation. If a recent job change has you commuting fewer miles each day, it may entitle you to a lower rate. If you first bought your current coverage when your car was new, you may not have adjusted your collision coverage over the years. Older cars may not need as much coverage as newer ones.

    3. Check Reputation
    Your auto insurance is only as good as the company that stands behind it. Check the financial stability of a company by visiting a rating agency website. A.M. Best, for example, assigns a grade that indicates a company’s ability to meet its financial obligations. To see how satisfied other consumers are with the companies you are considering, view consumer complaint data at your state’s department of insurance.

    4. Apply
    Once you’ve found the best coverage, at the best price, go to the company’s Website and apply. Be sure to cancel the coverage you have with your existing insurance company and ask about getting a refund of any unused premium.

    Start your auto insurance comparison by getting a free 21st Century auto insurance quote online today at 21st.com

    Source: comScore, Inc.


    The Difference Between a Certificate of Deposit and a Fixed Deposit –


    #

    The Difference Between a Certificate of Deposit and a Fixed Deposit

    Savings accounts are designed to you build reserves of money for emergencies or major expenditures, like a new car or refrigerator. You want that money to earn as much interest as possible, but you also want it to be safe, so there is no chance of a loss like there might be with a securities investment. Fixed deposits and Certificates of Deposit, or CDs, give you a chance to save money in a safe place. Unlike traditional savings accounts, however, you will have to wait a set period of time to withdraw from many fixed deposit or CD accounts.

    Advantages

    Certificates of deposit and fixed deposits (also called time deposits) are essentially the same thing. Some banks even refer to fixed deposits as CDs. Both CDs and fixed deposits will pay interest more than passbook savings accounts, where money can be withdrawn at any time.

    Insurance

    CDs and fixed deposits in a bank or savings and loan are guaranteed by the Federal Deposit Insurance Corp. for up to $250,000 per institution. Some institutions offer higher rates on CDs with call options, which give the issuing bank the option to call or terminate the CD before its scheduled maturity. This protects the bank against having a portfolio of high-interest accounts if interest rates suddenly drop.

    Time Periods

    CDs typically are issued for periods of 30 days to five years. Rules vary with issuers, but many CDs hold interest until the certificate matures. Other CD issuers, and most fixed deposits, pay interest at some regular specified period, like every month. The holder has the option of taking that money out or leaving it in the account.

    Non-Bank CDs

    Some CDs are issued by stock brokerages or similar firms and often offer higher interest rates, but lack the federal insurance. Make sure you know the real issuer of the CD to ensure it is insured. If a CD is issued through a broker, find out who really issues it and holds the funds.

    Withdrawals

    Many CDs and some fixed deposits have penalties for early withdrawal of funds, although some banks now offer no penalty CDs. Be sure you check these provisions before you put money into either a CD or fixed deposit. Fixed deposits that are not specifically CDs might have special withdrawal options, so an investor can take out a certain amount within a given time period. For instance, withdrawals might be limited to so many per quarter or to a certain percentage of the total account.

    Variables

    Some institutions now offer variable rate CDs or fixed deposits. These have time restrictions, but the interest rates can vary with changes in general interest rates, either up or down. This can change the value of the investment. With fixed deposits, you know what the rate will be for the duration of the contract.

    Renewals

    Some CDs and fixed deposits have automatic renewals, so they start a new time limit at the original expiration. This can affect the availability of money if a 2-year CD rolls over for another two years automatically. Check renewal provisions and at least make sure there is advance notice before any automatic renewal takes effect or you might find funds unavailable when you want them.


    The Auto Channel: New Car Research, New Car Data, New Car Prices,


    #

    Fifty years ago today, Mazda Motor Corporation began its legacy of doing what was said couldn’t be done. Mazda then Toyo Kogyo Corporation needed to create a unique technology that would differentiate it among a rapidly globalizing Japanese automotive industry in order to stay independent. Continue reading

    Aston Martin Racing survived a dramatic, last-hour torrential downpour to win its class in the 2017 ADAC N rburgring 24 Hours after dominating the event s SP8 category with a flawless performance. The #7 Aston Martin Vantage GT8 led its class for much of the race and ran with such metronomic precision that it ran am. Continue reading

    HEELS ON WHEELS: 2017 MAZDA6 REVIEW HEELS ON WHEELS By Katrina Ramser San Francisco Bureau The Auto Channel INTRO TO THE MAZDA6 VEHICLE The Mazda6 stands out for its sportiness where reasonably priced sedans are concerned, hoping to attract the eye of those who have lost interest in some of segments regulars (the Accor. Continue reading


    Hotel price comparison #hotels #in #edinburgh

    #hotel price comparison

    #

    Find and price wines, beers & spirits across all online stores.

    Latest News
    Champagne Sparkles for UK Investors
    Speculation in Champagne could provide a post-Brexit tonic for the UK wine industry, James Lawrence discovers. read more

    Today’s Region
    Champagne true Champagne at least comes exclusively from northern France. There are seven official Champagne grape varieties, of which Chardonnay, Pinot Noir and Pinot Meunier are by far the best known. read more

    Today’s Grape
    Cabernet Sauvignon is the world’s most famous red wine grape. From its origins in Bordeaux, the variety has spread to every corner of the wine world. Discovered in 1997 to be a natural crossing of. read more





    Document Collaboration and Editing Software #file #sharing, #document #collaboration, #document #comparison


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    The fastest way
    to compare and
    review documents

    With tighter regulations around data protection and recent concerns over privacy issues, Professional enables Clyde Co to remain flexible to meet the needs of the attorneys, while retaining complete data control.

    Chris White
    Global CIO

    The ability to easily integrate into our Livelink meant we could take the additional benefits of Workshare such as efficient document comparison while allowing users to continue using the DMS they re familiar with.

    Alan Lee
    IT Manager

    It’s rare to find a product that works so well and meets the specific needs of our firm. Workshare allows us to make better use of our IT resources because it’s completely automated and doesn’t require any intervention from users.

    Chris Duncan
    IT Director

    We needed a highly secure platform that would allow our customers and consultants to access and collaborate on documents remotely.

    Workshare is simple to use and offers our members the opportunity to build personal relationships over a wide range of disciplines and regions with like-minded lawyers.

    Gary Yantin
    Managing Director

    With Professional 8 and Protect Server, we have met our lawyers’ needs for an easy-to-use application, and IT’s need for 360-degree protection.

    Anthony Graham Head of Information Systems
    CIO

    Thomson Snell Passmore LLP

    Managing large volumes of documents and amendments from multiple authors, can become a serious cost issue when your document crashes and one of your lawyers spends 12 hours trying to fix it.

    Derek Brookes
    IT Director

    We looked at ShareFile and Dropbox, and decided to go for Workshare as we have a very long relationship with the company. We tested the application and it covered all our requirements and we went for it!

    The transition to Workshare was painless. The platform required very little training and on the few occasions that we have contacted Workshare s support line, we were very pleased with their quick and helpful responses.

    Nick Gaunt
    Chief Information and Knowledge Officer

    NHS Institute of Innovation and Improvement

    As part of our strategy to transition to SaaS, it was important that we found a supplier that could host our data and documents in the UK. Workshare gives us complete control, while still being simple to use.

    David Bennett
    Head of Information Systems

    We have given users the confidence that their documents don t contain any sensitive data. We ve improved the way we manage documents and expect to see a return on investment in less than a year.

    Workshare allows us to more effectively fulfil ECHR’s obligations as the world’s largest legal government agency with regards to the publication of legal documents.

    John Hunter
    Head of IT

    Workshare is much more than your standard sharing and collaboration platform. For Sandler, it has become an integral tool to help our clients develop themselves, improving client interactions and satisfaction.

    Luke Davies
    Managing Director

    With Workshare we have cut down our document review cycles by 50% and can share and compare confidential documents more efficiently.

    Eduardo Snape
    IT Director

    Galindo, Arias Lopez


    Business VoIP & Phone Systems #phone #systems #comparison, #best #voip, #voip #phone


    #

    Business VoIP & Phone Systems

    Business Class VoIP and PBX Systems

    Updated: February 27, 2017

    Because VoIP technology is constantly evolving, purchasing and implementing a business VoIP system today looks differently than it did in prior years. In order to implement a system that works well for your business, you need to learn about the latest trends in business VoIP.

    Not every business will require all of the latest VoIP features. However, it s helpful to know where the future of VoIP is heading as you select a VoIP system that works for your business. Let us help you choose the best business VoIP solution for your business.

    Free Comparison Charts Buyer Guides

    CompareBusinessProducts has created Business VoIP Comparison Charts and Buyer s Guides to help answer questions on the different business VoIP technologies and leading brands in the US market today. We invite you to download our FREE, thoroughly researched collateral to help you make a purchase decision. We also have access to most of the Business VoIP vendors serving USA, and our easy form can put you in touch with local vendors serving your area for a quick, no obligations price quote.

    Browse our online tool below to get personnalized recommendations tailored to your needs:

    Businesses have been using phones to drive increases to their bottom lines for almost a century now. Telephony, much like the rest of the business world, has seen drastic changes with the increase in technological advancement. Voice Over Internet Protocol (VoIP), has enabled companies to connect with consumers at levels that have been seen as unheard of before. And trust us when we say this, it is doing wonders for the bottom line. more

    As you are well aware, we are living in an age of extreme technological growth. With this, an understatement might be that phone systems have changed a bit over the last decade. If you are in the market for a new phone system, it is absolutely essential for you to have knowledge of this vast sector and just what exactly you need in order to have your business succeed. more

    Are you searching around for an upgrade to your current phone system? If so, you’ve mostly likely heard of VoIP, but do you know about VoPI? Lately, there has been a lot of conversation around what the difference is between the two systems. Most of this conversation centers around security, as both of these systems, operate over the internet versus the traditional phone lines. more

    Mobile VoIP is growing at an exponential rate and can help your company reduce costs, improve communications, and drive increased employee satisfaction and loyalty. If what was just mentioned above sounds like it would be good for your business (it is), download our latest guide Why You Need Mobile VoIP to learn even more reasons why you need to make the switch today! more

    In today’s modern technological world we face cyber threats on an almost daily basis. This rings true when switching phone systems to VoIP. While there are many benefits to making the switch, there MUST be precautions taken to ensure that your new phone system is safe and secure. more


    Singapore Time Deposit Interest Rates #deposits, #accounts, #apply, #singapore, #singaporean, #international, #comparison,


    #

    Singapore Dollar Deposit Rates

    * The Premier-exclusive rates set out in the table above shall apply only to account(s) which are subject to the terms and conditions governing the use of HSBC Premier Account Package.

    First-of-Month TMD only commences on the first business day of the subsequent month (“Start Date”) following receipt by the Bank of the duly completed instructions to place funds for First-of-Month Time Deposit and will mature on the first business day 3 months later.

    1. Interest rates are calculated on a daily basis and credited on a monthly basis.

    2. Rates are subject to change without notice at any time. You may wish to check the latest rates on our website at www.hsbc.com.sg

    3. Applicable to S$ PowerVantage, S$ HSBC Premier Account, S$Passbook and Savings Account: Interest rates are tiered and published rates for respective tiers are applicable to the deposit value specified in each tier. The effective interest rate will vary depending on the amount deposited.

    4. All conversion, foreign exchange rates and deposit rates used or provided are indicative only and subject to change by the Bank at any time (including intra day changes) without notice.

    5. Data, information, news and computation tools are provided for informational purposes only, and are not intended for trading purposes. The Bank shall not be liable for any errors or delays in the content or computation, or for any actions taken in reliance on the same.

    6. Please note that the Foreign Currency Time Deposit rates for USD and GBP are quoted for value on the same working day. All the other currencies are quoted for value on the next working day. All the other currencies are quoted for value on the next working day.

    Deposit Insurance Scheme
    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.


    Compare Cheap Van Insurance Quotes #van #insurance, #quotes, #compare, #cheap, #commercial #vehicle,


    #

    Looking for cheaper insurance?

    Search over 40 different van insurance providers

    Quotezone increases your chance of finding a great deal by searching the market for you.

  • Over three million users

    Join our ever-growing list of satisfied customers today.

  • Buy online or by phone

    Purchase your Van Insurance policy quickly and easily, monthly and annual payment options available.

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    Our quote form uses 128-bit SSL encryption for your peace of mind.

  • You could save time and money

    Get your quotes by filling in one simple form, compare prices, and start saving.

  • Independent and unbiased service

    We aren’t owned by or have any investment from any insurance company.

  • Compare Van Insurance

    Compare Van Insurance

    Compare van insurance quotes – we search over 40 companies with one quick quote form

    Quotezone’s UK Van and Commercial Vehicle Quote Comparison System could save you time and money.

    About the Quotezone van insurance comparison system

    Quotezone’s UK van and commercial vehicle quote system could save you time and money. You just have to fill in your details once to compare the market, and you could receive up to 60 quotes back from our panel of UK insurance providers which includes insurers such as Gladiator, More Th n, Direct Choice. You should see the quotes appear online in around 60 seconds, each motor quotation shows the prices offered including discounts, then you can select the best quotes that suit your budget from our website.

    Why use Quotezone to compare van insurance quotes?

    We compare UK van insurance providers so you could get cheaper prices.

    You can buy online or buy by phone with options to pay monthly (some companies may offer no deposit van insurance schemes) or to pay annually.

    Most of the quotes will be displayed on your screen within 1 minute, you can find insurance for vans of all kinds if you are researching before purchasing a new large, small, business or private van and we will also email you the quotes online so you can consider them at a later date – so you won’t need a calculator immediately to see if the rates are within your budget!

    Van insurance guide

    With increasing costs of living and budgets stretched everywhere in the UK, saving money might be a priority for some households. This may be especially true when shopping for the best vehicle insurance products as prices increase due to a rise in uninsured drivers. Put this together with escalating fuel costs and driving might seem prohibitively expensive for some. This is why more and more people are choosing to compare van insurance companies to ensure they get the best van insurance at a low cost.

    Driving without insurance is illegal so unless an owner has declared a vehicle off road via a Statutory Off Road Notification (SORN) then they could well fall foul of the law.

    Having appropriate vehicle insurance in place could be extremely important for a persons livelihood, especially if driving a white van or other commercial vehicle for business purposes, so finding the cheapest van insurance quote possible may be a priority.

    Different types of cover

    With any type of insurance quotation there tends to be different levels and types of cover. People might search for cheap van insurance in order to save money but getting the right type of commercial van insurance that is appropriate for a vehicle is likely to be more desirable. Cutting corners on insurance could be costly so using a UK van insurance provider that has a reputation for quality may be the best option long term.

    The types of motor cover available when searching for van insurance quotes tend to be fully comprehensive, third party and third party fire and theft. Each one has different aspects of what a policy might cover; therefore it could be wise to explore the benefits of each one carefully before committing.

    Fully comprehensive van insurance

    Price wise, fully comprehensive cover is usually the cover that costs the most money. This is because it typically offers protection for the van, the driver and any property. Its still possible to acquire a very cheap van insurance policy which is fully comprehensive. It might also be possible to add on additional cover, such as breakdown protection or legal cover.

    People often opt for third party cover as this could offer the cheapest van insurance available. This offers the basic cover that is legally allowed in the UK and could be ideal if the van to be insured is a low value or if a person only has a small budget.

    Taking out only third party van insurance might be risky as it means being liable for the costs associated with replacing or fixing the vehicle owned by the policyholder. This type of policy tends to only pay out damages to the other parties involved. Choosing a greater level of cover might offer more peace of mind as third party van cover is likely to be just basic insurance protection.

    Third party fire and theft

    Like the above this type of van insurance cover offers basic protection at a low cost. However it also could provide cover for a van that is stolen or fire damaged so has extra benefits and is typically a lower cost than fully comprehensive cover.

    Finding a suitable policy

    Searching for very cheap van insurance to compare online tends to be the way many people choose to find cover. Comparing prices to find the cheapest van insurance is very typical before deciding on a particular policy to go with. What is useful about comparing quotes on van cover is that it could be tailored to different circumstances and therefore take into account individual details before returning the results. For example a young driver might think they will be charged a great deal for a van insurance policy. In reality it might be much easier to compare cheap van insurance UK and get a policy that takes into account their unique needs. The same might be said of a driver that has previous convictions and a comparison service could help them secure an affordable insurance rate.

    With any insurance policy it is more than likely that the policyholder could be required to pay the first part of any claim. This is known as the policy excess and could be variable depending on the insurance quote. A lower excess could in turn mean a higher premium and again using a comparison might be a good way of surveying the companies available to van drivers.

    Paying for a van insurance policy

    Many people like to stagger payments for their insurance policies and pay monthly which could cost more overall than paying in one go but might be more convenient. By paying a deposit and spreading payments over time it could make life easier although a policy tends to be cheaper overall if it is paid up front. To save even more cash there could be the option with some insurers to have a no deposit van insurance policy which might give people the option to distribute payments evenly over the term of the cover.

    Getting even cheaper van insurance

    People may drive a van as a second vehicle or use it for work rather than pleasure. As such they might have built up some years of no claims with a different vehicle. It could be possible that these be used on a new UK van insurance policy or transferred providing their benefit isn’t already being used elsewhere. It might also be possible to protect a no claims discount depending on the insurer used which could mean keeping the no claims benefit at renewal even if a person has had an accident during the previous year.

    Sealing the insurance deal

    It is always a good idea to read the details of a policy fully before committing. This way the policyholder knows exactly what they are signing up for. A van insurance comparison site could direct a person to the terms and conditions prior to finalising a deal so they can be certain the policy is right for them.

    Related Insurance


    Hotel Price Scanner – Hotel Price Comparison Search Engine #mayfair #hotel

    #motel search engines

    #

    The Hotel Price Scanner is a hotel price comparison service. Our search engine queries more than 1 million hotel deals, so you can compare hotel prices is more than 200,000 hotels in more than 200 countries. We want you to pay the lowest price possible for your hotel. Should you find your hotel room at a lower online rate after you have booked with a site listed on Hotel Price Scanner we will refund the difference.

    On a small screen? Visit our dedicated mobile site!

    London

    Compare prices at 3125 hotels in London.

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    Compare prices for 705 hotels in Sydney.

    Latest Posts

    A trip to Tokyo can be like taking a step into another world, a bombardment of unusual colours, unfamiliar sounds. Read More

    Are you a dedicated powder junkie? Looking for a new off-piste challenge? Read on! Hotel Price Scanner’s ski and. Read More

    About HPS

    The Hotel Price Scanner is the world’s leading hotel price comparison service. We are 100% independent and have no direct relationship with any hotels or booking providers. Our service offers not only price information, but also hotel reviews, descriptions and millions of hi-resolution images. Our search engine queries more than 200,000 hotels in thousands of destinations in approaching 200 countries worldwide and we guarantee to find you the cheapest rates!

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    We want you to pay the lowest price possible for your hotel. Should you find your hotel room at a lower online rate after you have booked with a site listed on Hotel Price Scanner, we will refund you the difference, provided that this lower rate is available online. Learn more about the Hotel Price Scanner best price guarantee.

    Hotel Price Scanner Mobile

    In addition to our dedicated mobile site, you can also now find The Hotel Price Scanner on the Android Market, and in the Blackberry App World.





    Car Insurance In San Francisco, CA- Compare Cheapest Quotes #ktx, #www.kanetix.com, #kanetix.com,


    #

  • Allstate Insurance
    2665 Ocean Ave
    San Francisco, CA
    94132
    PH: (415)-333-4500
  • Baron Co Insurance
    6 Charlton Ct
    San Francisco, CA
    94123
    PH: (415)-391-4920
  • Campbell Pat Insurance
    21 Masonic Ave
    San Francisco, CA
    94118
    PH: (415)-567-1625
  • Chan Jill Insurance
    2665 Ocean Ave
    San Francisco, CA
    94132
    PH: (415)-333-4500
  • Chow Nelson Insurance
    2222 Clement St
    San Francisco, CA
    94121
    PH: (415)-751-5093
  • Devera Manuel Insurance
    4804 Mission St
    San Francisco, CA
    94112
    PH: (415)-469-7333
  • Dubrovsky Igor Insurance
    4215 Geary Blvd
    San Francisco, CA
    94118
    PH: (415)-831-3090
  • Endo Akira Insurance
    2121 19th Ave
    San Francisco, CA
    94116
    PH: (415)-566-9400
  • Gallagher Construction Services
    580 California St
    San Francisco, CA
    94104
    PH: (415)-391-1500
  • Glazer Michael Insurance
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    94114
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    94122
    PH: (415)-665-7701
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    94105
    PH: (415)-546-9200
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    San Francisco, CA
    94102
    PH: (415)-956-1222
  • Lee Philip Insurance
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    94109
    PH: (415)-440-1134
  • Lin Martin H Insurance Agent
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    94122
    PH: (415)-566-3233
  • MacHado Shelia Insurance Agent-
    87 Graham St
    San Francisco, CA
    94129
    PH: (415)-440-9984
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    94123
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  • Mahoney Steve Insurance
    360 W Portal Ave
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    94127
    PH: (415)-681-7120
  • Marina Associates Insurance
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    94133
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    94127
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  • Voip codec comparison #voip #codec #comparison


    #

    Codecs

    Codecs are used to convert an analog voice signal to digitally encoded version. Codecs vary in the sound quality, the bandwidth required, the computational requirements, etc.

    Each service, program, phone, gateway, etc typically supports several different codecs, and when talking to each other, negotiate which codec they will use.

    As an example, a Cisco ATA-186 supports these codecs:
    G.723.1, G.711a, G.711u, G.729a (please note that ATA-186 has x2 FXS ports, there is only one port can run on (G.729) with two simultaneously
    active ports, second one will be on G.711a/u)

    As an example, a Cisco 7960 supports (Firmware P0S3-06-0-00):
    G.711a, G.711u, G.729a

    Some codecs require payment of royalities for their use in a product or program. See Codec Patents for more information.

    • AMR Codec
    • BroadVoice Codec 16Kbps narrowband, and 32Kbps wideband
    • DoD CELP – 4.8 Kbps
    • GIPS Family – 13.3 Kbps and up
    • GSM – 13 Kbps (full rate), 20ms frame size
    • iLBC – 15Kbps,20ms frame size: 13.3 Kbps, 30ms frame size
    • ITU G.711 – 64 Kbps, sample-based Comes in two flavors: A-law and mu-law
    • ITU G.722 – 48/56/64 Kbps ADPCM 7Khz audio bandwidth
    • ITU G.722.1 – 24/32 Kbps 7Khz audio bandwidth (based on Polycom’s SIREN codec)
    • ITU G.722.1C – 32 Kbps, a Polycom extension, 14Khz audio bandwidth
    • ITU G.722.2 – 6.6Kbps to 23.85Kbps. Also known as AMR-WB. CELP 7Khz audio bandwidth
    • ITU G.723.1 – 5.3/6.3 Kbps, 30ms frame size
    • ITU G.726 – 16/24/32/40 Kbps
    • ITU G.728 – 16 Kbps
    • ITU G.729 – 8 Kbps, 10ms frame size
    • LPC10 – 2.5 Kbps
    • Speex – 2.15 to 44.2 Kbps

    Some tables comparing different codecs:

    • Cisco.com: Voice Over IP – Per Call Bandwidth Consumption
    • http://www.cs.columbia.edu/

      News

      • 2004-12-07 – SPIRIT Offers Ip-Multi Rate – Next Generation VoIP Codec; Dedicated IP-Multi Rate Codec Provides FM-Radio Speech Quality in IP Networks Businesswire
      • 2005-05-09 – Free online codec conversion tool available at asteriskguru.com .

      Some potentially useful info:

      Keep in mind the link layer framing that is used as well. ATM (what most of the internet backbones use) has 53 byte fixed cells. There are 5 bytes of headers. Only one packet can exist in a group of cells (a group is 1 or more cell until the whole packet is sent). This means that if you try to send a 80 byte IP packet over an ATM link it will be chopped into 2 ATM cells with 16 bytes of padding. This is only 83% efficient. By adjusing your sample size you may find that your throughput can be increased because you transfer more useful data and less padding. Make your sample size too small and you have a lot of IP overhead, make it too large and it can cause problems with call quality (think of a 30ms jitter buffer and 30ms sample sizes, in effect you have no jitter buffer because packets cant be reordered, jitter cant be controlled, etc). Its a fine balance, but something to consider. Even if you dont use ATM the internet backbones often do, so this is something that may make slightly faster transfers and better network efficiency. DSL, E1, T1, SMDS, OC1, OC3, OC12 etc generally all use ATM, so its quite common.

      See also


    Hotel price comparison #hospice #and #palliative #care

    #hotel price comparison

    #

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