Info Bitcoin

Can the development of Cornavirus turn it into a traditional banking and cryptocurrency section?

In Italy, there are suggestions that Banca Sella is preparing to launch Bitcoin trading services for many of its mobile banking customers.

The bank’s plans include using its 1.2 million Hype mobile banking platform, which allows users to create a Bitcoin (BTC) wallet, buy and sell BTC and retain full control over their owners – without the use of exchanges.

As the virus develops, bank users find it difficult to send or receive money from conventional financial providers – a factor that will allow many people to make decisions through cryptocurrencies such as bitcoin.

In its promotional material, the bank said installing bitcoin wallets was “completely free” and meant only “four steps”.
btc price usd
In addition, the bank invested trading capital in its new services – daily and annual sales and purchases.

Hype Start customers will be able to buy and sell for a maximum of $ 2,700 per year, plus Plus and Premium account holders buy and sell at rates of $ 54,000 per year.

According to a 2016 study, Sella is the 20th largest bank in Italy. It was founded in the late 19th century in the northern Italian city of Biella.

Give us o


Keeping Your Carrying Capacity (Airlines Standards)

Wouldn’t it be a wonderful and joyful world if airlines had constant restrictions on the size and weight of their bags? Well, your dreams are now shattered like the mammoth you tried to put in the upper compartment during your last flight. Not all aircraft overhead stores are created equal. Each airline bases its restrictions on the internal configurations of its fleet. Which means, in short, the bag could be carried on one flight, but it must be checked on another.
continental airline
Fortunately, domestic airlines such as US Airways, Delta, American and United agree on a maximum size of 22 x 14 x 9 inches. Unfortunately, most wheeled luggage pushes these sizes to the breaking point. I had to visit the bag myself because the wheels were just too big to close the top compartment.
cheap tickets
Several domestic airlines are more generous with bag restrictions. Alaska Airlines lets you get a whopping 24 x 17 x 10 inches (so passengers can tune their parks on board, we assume). AirTran and Southwest allow for 24 by 16 by 10 inches. If you do not carry bricks, towels are rarely weighed, but there are technical limitations. Be sure your bag does not exceed 40 pounds for large wig airlines and 25 pounds for not very large wig airlines.
best price tickets
If you are abroad, bring a backpack or a light squid belt with you. European airlines have extremely tight dimensions. Weight is also a big factor. Air France and Alitalia limit carry by 21 X 13 X 9 inches with a maximum weight of 26.4 pounds. Carrying bags for Lufthansa, Switzerland and Turkey can be up to 21 X 15 X 9 inches, but these airlines are counterattacking with a maximum weight of 17.6 pounds.
cheap all inclusive vacation packagese
New seats and floating devices often mean less than eight inches of clearance for bags under the seats in front of you, with a maximum width of 14 inches. The average seat in the three seats has even less space under the seat.
airline tickets best price guarantee
Our advice, if you know you will travel abroad or travel by airplanes of various sizes, is to purchase a light smaller carry of approximately 21 X 13 X 9 inches. A bag of this size will fly almost anywhere if you do not stuff it with heavy, difficult items. Remember that overhead bins are not “very” pliable, so be sure to measure your traffic before pulling it out to the gate, just forcing it to be checked.


Travel Tips – Book airline tickets with international airlines

International Airlines Flight Booking offers booking information for various international airlines operating worldwide. Many international airlines offer online booking for airline tickets. Tickets can also be booked at any office of these airlines. You can plan and book your flight in advance to avoid haste and hassle.
Iberia Air, one of Spain’s most popular airlines, operates numerous scheduled flights to domestic as well as international destinations. Flights from & united Spain with different countries such as China, Egypt, India, USA, Brazil, United Kingdom, Cuba, Germany, France, Netherlands, Portugal, Canada, South Africa, Japan and more. You can book your tickets online or at any of the Iberia Air offices.
One of the largest airlines operating in Europe, Lufthansa Airlines offers flights to more than 80 countries. Destination flights include all major cities in the world, such as Cairo, Johannesburg, Beijing, Tokyo, Seoul, Delhi, Lahore, Singapore, Pris, Berlin, Boston, Toronto, Buenos Aires, London, Barcelona and many more. You can book your tickets online or at the ticket offices.

British Airways, the UK’s flagship, is one of the major international airlines operating its main hubs at London Heathrow Airports and London Gatwick Airports. British Airways operates flights to Europe, America, Asia, Africa and Oceania. Tickets can be booked both online and at any of the airlines located around the world.

Mexico-based Mexicana Airlines is one of Mexico’s most renowned international airlines. International flights operated by Mexico fly to destinations such as British Columbia, New York, Quebec, Cuba, Chicago, Venezuela, California, Argentina, Texas, Florida and many more. Airlines offer online booking services as well as cash desks around the world.

Offering detailed travel tips – International Airlines flight booking is a useful guide for all planes. Whether you are flying from Iberia Air or Mexicana Airlines, Lufthansa Airlines or British Airways, the information provides you with the information you need.


How to take advantage of Part 141 and Part 61 helicopter training

The benefits of Part 141 have long been debated before Part 61 teaching. Pilot students are confused by the differences and therefore unable to determine how to maximize the benefits that each offers.

The following remains unchanged, whether the train is part 141 or part 61: 1) written tests. 2) Oral exam in driving test. 3) Flight part of the check. 4) License issued.

Performance measurement is the same for both types of schools: 1) Instructors make or break a school. Knowledgeable, experienced instructors are key. 2) Some flight schools have a high failure rate. Successful schools must have at least 90% of the students they teach in order to receive the certificates and ratings they have signed up for. 3) Aircraft maintenance is important. Students should rarely cancel flight lessons due to grounding. 4) School accidents must be zero or close to zero, indicating that the school is of high value for your safety.

On the surface, it looks like all helicopter flight schools are very similar. This is why it is so useful to understand the differences between Part 141 and Part 61. The two biggest differences: 1) Part 141 training requires the approval of FAA-approved training courses (TCO). Part 61 does not require TCO at all. 2) The flight school itself and the chief flight instructor must meet the strict requirements of the FAA. Part 61 does not apply to these FAA requirements.

Let's start with helicopter exercises and flights in Part 61. Most helicopter flight schools in the United States today are part of a 61 flight school. Many helicopter flying schools of Part 61 start with one certified flight instructor and one helicopter. The flight instructor offers training to prospective students independently and trains the student as he sees fit. If the instructor is good, more students join the school and the owner buys additional helicopters and hires more instructors to meet demand.

FAA inspections are not required for the Part-61 helicopter flight school. Flight school is free to train your students in their own chosen methods. They are expected to comply with the FAR / AIM rules and regulations for Flight Schools and Part Three 61, but they are not subject to FAA inspection to confirm that they are doing so.

Part 141 training and flying schools must meet very specific requirements and standards. The helicopter flight school itself issues an air agency certificate when it passes FAA inspections. The structures and planes to be used for Part Three 141 are being inspected. The Chief Flight Instructor is required to conduct an annual FAA inspection.

On the training side, the Flight School provides the FAA with a separate and clear TCO for each certificate and / or rating they want to teach under Part 141. For example, a private pilot TCO will be submitted. It contains lesson plans for both flight and ground training. The flight school would have to submit another TCO for the devices if they would like to rate the instrument ratings in accordance with section 141.

Do not assume that a Part-141 helicopter flight school offers all of its Part-141 certificates and ratings. Many receive FAA certificates for private, instrument, and commercial certificates only. It takes a lot of work for the flight school to create a TCO and teach under Part 141. The FAA requires the flight school to keep extensive student documentation for Part 141, including very detailed student performance. This is great for a student. It takes a lot of time for the flight school.

There are some very large flying schools that offer only 141 part tuition. They set schedules for their classes and teach many students at the same time. They also have regulated flight schedules. These several very large flight schools often have a very high ratio of foreign and domestic students. This is because SEVIS (Student Exchange Information Visitor Information System) requires Flight Schools to be FAA Certified as Part 141 Flight Schools in order to apply for international student training. The Veterans Association (VA) has the same Part 141 requirement that veterans use their VA benefits.

Most 141st Part schools also offer Part 61 teaching for the same programs. For example, you could choose a private pilot under Part 141 or Part 61. Schools that offer both teaching methods give the student the most flexibility.

A student attending a Part-141 helicopter flight school receives all the benefits of attending Part-141 school, even if he / she chooses to complete some or all of the training in accordance with Part-61. They must constantly maintain their high standards in order to maintain certification.

The downside of Part 141 is that the TCO should be followed in the written sequence. Each student learns differently, and some people prefer the flexibility of the third part of the study, which allows the student to cover the materials in the order that suits him or her.

This is another benefit to a flight school that offers training for both Part 141 and Part 61. They will often use TCO for your third part of training. This is great for the pilot student because you get the benefit of a structured outline of an FAA-certified training course and at the same time be able to cover the materials in the order that works best for you.

Another benefit of studying at a school that offers both is that you can mix and match learning. For example, I practiced as a private pilot under Part 61 because I wanted the flexibility to jump into the training program. Flying devices are very structured and related to training procedures, so I decided to engage with my tools under Part 141. I found that the structured approach and the training sequence really worked well with my instrumental training. I went back to part 61 for my commercial training.

Learning to fly a helicopter is fun, exciting and expensive. Find out everything you can about your helicopter flight school and the programs they offer before making your final decision. Fly safe!


Japan's insurance industry

During the heyday of the 80s and the first half of the 90s, like the rest of its economy, Japan's insurance industry grew as a jungle. A large amount of premium income and asset formation, which can sometimes be compared to even the most powerful US and limited domestic investment opportunities, has forced Japanese insurance companies to seek investment. The industry's position as a major international investor since the 1980s has placed it under the scanner of analysts worldwide.

Global insurance giants have been trying to gain a foothold in the market, looking at the overall size of the market. But the restrictive nature of Japanese insurance laws led to intense, sometimes sharp, negotiations between Washington and Tokyo in the mid-1990s. The resulting bilateral and multilateral agreements coincided with Japan's financial reforms and the Big Bang in Japan.

Based on the results of the 1994 negotiations on US and Japanese insurance, a number of liberalization and deregulation measures have since been implemented. But the process of deregulation was very slow and, most often, very selective in protecting the interests and market share of domestic companies. Despite the fact that Japan's economy is comparable in size to its US counterpart, the very basis of efficient financial markets – clear rules and rules of a competitive economic environment – is noticeably absent. And its institutional structure also differed from other developed countries.

The structure of the kieretsu – a corporate group with cross holdings in a large number of companies in various industries – was a unique phenomenon in Japan. As a result, there is no need for shareholder activation to get companies to adopt the optimal business strategy for the company. Although originally touted as a model in the days of Japan's prosperity, the vulnerability of this system became very apparent when the bubble of economic boom exploded in the 1990s. Japan's inability to keep up with software development elsewhere in the world also worked against Japan. Software has been the engine of global economic growth in the last decade, and countries that are lagging behind in the industry have been facing the fastest emerging economies of the 1990s.

Japan, the world leader in the brick and construction industry, has fallen behind in the New World economy since the Internet revolution. Japan now calls the girls a "lost decade" for its economy, which has lost its shine after 3 recessions in the last decade. Interest rates have dropped to historic lows to disrupt a falling economy – in vain. For insurers whose lifeblood is of interest to their investments, this has created a danger. Many large insurance companies have gone bankrupt in the face of "negative spread" and an increase in inefficient assets. While Japanese insurers have largely avoided scandals affecting their brothers in banking and securities, they are currently experiencing unprecedented financial difficulties, including catastrophic bankruptcies.

Institutional weaknesses

The Japanese market is gigantic, but it consists of only a few companies. Unlike its US counterpart, in which close to two thousand companies are fiercely competitive in the life segment, the Japanese market consists of only twenty-nine companies in the domestic and several foreign organizations. The situation is similar in the non-living sector: twenty-six domestic companies and thirty-one foreign firms offer their products. Therefore, consumers have much less choice than their American counterparts when choosing their carrier. There is less variety on the product side as well. Both life and non-residential insurers in Japan are characterized by "vanilla bean" offerings. This is more evident in car insurance, where until recently premiums have not allowed different risks to be reflected, such as gender, driving status, etc. Drivers were categorized into three age groups for the sole purpose of determining the premium, while rates in the US for a long time reflected all of these factors and more.

Demand also varies for different products. Japanese insurance products are more focused on savings. Similarly, although many Japanese life insurance companies offer several limited types of life insurance policies (in which benefits reflect the value of underlying financial assets held by the insurance company, thereby exposing the insurer to market risk), few take on such policy risks. At ¥ 100 = $ 1.00, the Japanese life-changing policy as of March 31, 1996 was only $ 7.5 billion, accounting for only 0.08 percent of all life insurance. In contrast, US variable life policies, which have been in place since 1995, were worth $ 2.7 trillion, or about 5 percent of the total, with many options, such as a variable universal life.

Japanese insurance companies in both parts of the industry competed less than their American counterparts. In a context where several firms are offering a limited number of products to a market where new entry is clearly regulated, implicit price coordination is expected to curb competition. However, Japan's inherent factors further reduce rivalry.

The absence of both price competition and product differentiation means that an insurance company can capture a firm's business and then hold it for almost an indefinite period. American analysts sometimes point out that keirez (corporate group) communications are just such an excuse. For example, a member of a Mitsubishi group of companies can usually buy the best deals around the hundreds or thousands of products and services he buys. But in the case of life insurance, such comparative pricing would be futile, since all companies would offer almost the same product at the same price. As a result, Mitsubishi Group has been the business of Tokio Marine & Fire Insurance Co., Ltd., a member of Mitsubishi keiretsu for decades.

On paper, life insurance contributions were more flexible. However, the role of the government remains large in this part of the industry – and thus influences the pricing of insurance products. The national postal system operates, in addition to a huge savings system, with a postal life insurance system commonly known as Kampo. Operations for Kampo are conducted in the windows of thousands of post offices. As of March 1995, Campo had paid out 84.1 million policies, or approximately one per household, and nearly 10 percent of the current life insurance market, as measured by current policies.

The funds invested in Campo mostly go to a huge fund called the Trust Fund, which in turn invests in several public financial institutions, as well as in numerous semi-governmental units involved in various government-related activities, such as ports and highways. Although the Ministry of Post and Communications (MPT) is directly responsible for Kampo, the Ministry of Finance manages the Trust Fund. So, theoretically, the Treasury can influence the revenue that Campo is able to earn and, accordingly, the rewards he is likely to collect.

Kampo has a number of characteristics that affect its interaction with the private sector. As a government agency, it is likely to be less efficient, increasing its costs, making it uncompetitive, and anticipating a decrease in market share over time. However, since Kampo cannot fail, it has a high tolerance for the risk that taxpayers may ultimately bear. This involves expanding market share to the extent that this postal life insurance system is able to lower its output. Although, apparently, a growth scenario is what prefers MPT, the IMF seems to be just as interested in protecting insurance companies under its wing from "excessive" competition.

The net effect of these contradictory incentives is that Campo seems to be holding back premiums accrued by insurers. If prices go up too much, Kampo will get an additional share. In response, insurers can return premiums. Conversely, if investment returns or higher efficiency reduce private sector premiums relative to basic insurance, Kampo will lose market share unless it changes.

The Japanese life insurance sector is also lagging behind its US counterpart in formulating inter-company cooperative approaches against threats of anti-choice and fraud. Although the number of companies in Japan is much lower, distrust and fragmentation have led to isolated approaches to addressing these threats. In the United States, the existence of industry-leading organizations such as the Bureau of Health Information (MIB) is the first line of defense against fraud and, in turn, saves the industry about $ 1 billion a year in terms of its protective value and cost. Major Japanese carriers are already late in initiating approaches similar to the formation of shared data storage and data sharing.

Analysts often complain about insurance companies for their unwillingness to adhere to sound international standards for disclosing their financial information to the investment community and their insurers. This is especially true of the mutual characteristics of companies compared to their "public" counterpart in the US. For example, Nissan Mutual Life Insurance Co., which failed in 1997, generally reported net assets and profits in recent years, even though the company's president admitted after the failure that the firm had been insolvent for years.

Foreign participation in life insurance

Since February 1973, when the American life insurance company (ALICO) first went to Japan to participate in the market, there are currently fifteen foreign life insurance companies operating (over 50% of foreign capital). However, companies such as American Family Life (AFLAC) were initially allowed to work only in the third sector, namely in the field of medical supplements, such as critical illness plans and cancer plans, which were not attractive to Japanese insurance companies. The major life insurance business remained out of reach of foreign carriers. However, the great turmoil in the industry in the late 1990s left many domestic companies in deep financial trouble. Japan, trying to protect itself, allowed foreign companies to buy patients and keep them afloat.

Foreign operators continue to enter the Japanese market. As one of the world's two largest life insurance markets, Japan is considered as strategically important as North America and the European Union. Consolidation in the Japanese life market, aided by the collapse of domestic insurers and constant deregulation, provides world insurers with prime opportunities to expand their business in Japan. The overall market share of foreign players is gradually increasing, with global insurers accounting for more than 5% in terms of premium income at the end of fiscal 1999 and more than 6% of operating businesses. These figures are about twice as high as five years earlier.

In 2000, AXA strengthened its operations base in Japan through the acquisition of Nippon Dantai Life Insurance Co. Ltd, a second-tier domestic insurer with a weak financial profile. To this end, AXA has formed the first holding company in the Japanese life sector. Aetna Insurance Insurance Co. This statement was prepared by Heiwa Life Insurance Co., while Winterthur Group acquired Nicos Life Insurance and Prudential UK acquired Orico Life Insurance. Also in the new market in the Japanese market is Hartford Life Insurance Co., an American insurer known for its variable insurance business, and the French Cardiff Vie Assurance.

In addition, a subsidiary of Manulife Century, a life insurance company, inherited the operations and assets of Daihyaku Mutual Insurance Insurance Co., which failed in May 1999. In April 2001, AIG Life Insurance Co. took over the activities of Chiyoda Life and Prudmental LLC Life Insurance LLC took over Kyoei Life. Both Japanese companies filed for court protection in October last year.

Foreign participants bring a reputation as part of international insurance groups, supported by favorable world services and strong financial capabilities. They also do not contain negative spreads that have suffered from Japanese insurers for ten years. Foreign players are more profitable to optimize business opportunities, despite the turmoil in the market. Although several major Japanese insurers still dominate the market in terms of shareholding, the dynamics change as existing business units move from domestic insurers, including failed companies, to new ones, in line with insurers' flight to quality. The list of companies with foreign participation is as follows:

The life of Ina Himawari

A prudent life

Manulife Century Life

Scandium of life

J. Edison Life

Aoba Life

Aetna Heiwa Life

The life of Nichides

Zurich's life


American family life

AXA Nichidan Life

A prudent life

ING Life

CARDIFF Approval Vie


It is expected that foreign insurers will be able to outperform their domestic competitors to some extent with innovative products and distribution, where they can benefit from broader experience in global insurance markets. One of the immediate problems for foreign insurers will be how to create a large enough franchise in Japan so that they can take advantage of these competitive advantages.

What harms the life insurance industry?

In addition to its own operational inefficiency, Japan's life insurance sector is also a victim of government policies designed to partially save banks from financial turmoil. By maintaining low short-term interest rates, the Bank of Japan encouraged a relatively wide spread between short- and long-term rates in the mid-1990s. This is a win-win for banks, which typically pay short-term rates on their deposits and charge long-term rates on their loans.

However, the same policy harmed life insurance companies. Their clients have blocked relatively high rates for typical long-term investment insurance policies. Lowering interest rates generally meant that the return on assets of insurers was falling. By the end of 1997, insurance company officials reported that the guaranteed rate of return averaged 4 percent, while the yield on Japan's long-term government bonds ranged below 2 percent.

Insurance companies cannot compensate for the negative spread even with the increase in volume. In 1996, they tried to get out of their dilemma by reducing the return on their retirement investments, only to witness a significant outflow of money under their management to competitors.

To add harm, insurance companies insure some of the cost of cleaning up the banks' inept assets. Since 1990, the Ministry of Finance has allowed to issue subordinated debt made to order for banks. They may credit any funds raised through such instruments as part of their capital, thereby facilitating, more than otherwise, the established capital / asset ratio requirements. This behavior seems to make sense, since debt holders, like shareholders, are almost last in line for bankruptcy.

Subordinated debt carries high interest rates precisely because the risk of default is higher. In the early 1990s, insurers believed that bank debt was next to impossible and tempted by high yields, lending large amounts to banks and other financial institutions on a subordinated basis. Small companies, perhaps not striving to catch up with their larger counterparts, were particularly large participants. Tokio Mutual Life Insurance Co., ranked 16th in Japan's life insurance industry, accounted for approximately 8 percent of its assets as subordinated debt as of March 31, 1997, while Nippon Life's industry leader held only 3 percent.

The rest, of course, is history. Banks and securities companies, also borrowed by insurers, began to fail in the mid-1990s. Last Fall of Sanyo Securities Co., Ltd. last fall was partly caused by a refusal by life insurance companies to transfer subordinated loans to a brokerage firm. Life insurers complained that they were sometimes not paid, even when bankruptcy conditions suggested they should have been. For example, Meiji Life Insurance was reportedly owed $ 35 billion ($ 291.7 million) of subordinated debt to Hokkaido Takushoku Bank, LLC when the bank collapsed in November. Незважаючи на те, що в банку Хоккайдо були хороші позики, які були передані Північно-Тихоокеанському банку, ТОВ, Meiji Life не отримали компенсації з цих активів. Мабуть, доведеться списати весь залишок позики.

Субординований борг є лише частиною історії поганої заборгованості. Страхові компанії відігравали роль майже в кожній масштабній напіввиробничій схемі кредитування, яка руйнувалася разом з міхуровою економікою на початку 1990-х. Наприклад, вони були кредиторами для юсенів (житлово-фінансові компанії) і їм доводилося брати участь у дорогому очищенні цього безладу. Більше того, як і банки, страховики розраховували на нереалізовані прибутки від власних пакетів акцій, щоб вирятити їх, якщо вони потраплять у біду. Менші страховики періоду міхурів купували такі акції за відносно високими цінами, в результаті чого в кінці 1997 року ціни на акції знизилися, усі, крім двох середніх рівнів (розмір 9 – 16), страхувальники життя мали нереалізовані чисті збитки.

Що лежить попереду

Аналітики визначили наступні короткотермінові виклики перед сектором:

Нові учасники ринку;

Тиск на заробіток;

Погана якість активів; і,


Нещодавні гучні збої декількох компаній із страхування життя підсилили тиск на компанії, що займаються життєзабезпеченням, щоб вирішити ці проблеми терміново та впізнаваними способами.

Ринок інвестицій був навіть гіршим, ніж очікувалося. Процентні ставки не зросли з історично низьких рівнів. Індекс Nikkei провис з січня 2001 року і впав до 9-річного мінімуму після недавнього теракту на американську землю. Нереалізовані прибутки використовуються для забезпечення певної подушки для більшості страховиків, але, залежно від опори страховиків на нереалізовані прибутки, мінливість нерозподіленого прибутку зараз впливає на рівні капіталізації, а отже, і на фінансову гнучкість.

Таблиця 1

Основні ризики, з якими стикаються японські страхові компанії


Фінансові ризики

Слабка японська економіка

Сильний тиск на прибуток

Відсутність впевненості страхувальника, політ на якість

Низькі процентні ставки, експозиція до внутрішніх, закордонних коливань інвестиційного ринку

Дерегуляція, посилення конкуренції

Погана якість активів

Недостатня мережа страхування страхувальників

Ослаблена капіталізація

Прискорення консолідації в секторі життєдіяльності за допомогою інших фінансових секторів

Обмежена фінансова гнучкість

Більшість аналітиків, мабуть, погодиться з тим, що страхувальники життя Японії стикаються з проблемами платоспроможності та ліквідності. Важкі договірні зобов’язання перед страхувальниками, зменшення прибутковості активів, а також незначне обмеження від нереалізованих прибутків на портфелях акцій поєднуються, щоб забезпечити постійну життєздатність деяких компаній далеко не певною. Багато інших, хоча очевидно платоспроможні, стикаються з ризиком того, що їм доведеться погасити непростих страхувальників раніше, ніж вони планували. Або питання платоспроможності чи ліквідності не викликає питання про те, як страховики будуть управляти своїми активами. Ще одним фактором, який слід враховувати, є старіння населення Японії. Як вказує пан Ясуо Сато, керівник програми страхової галузі, фінансового сектору, IBM Japan: "Галузі потрібно змінити бізнес-модель. Вони повинні зосередитися на житті, а не на смерті, і вони повинні акцентувати увагу на медичних добавках. і сектори тривалої допомоги, оскільки населення старіє ".

Японські страховики життя активно домагаються більшої сегментації, прагнучи до встановлення унікальних стратегій як у традиційному житті, так і в нежитловому бізнесі. Наприкінці 2000 р. Цей сектор став свідком виникнення кількох ділових партнерств та транскордонних альянсів із залученням великих внутрішніх страховиків. Передбачаючи посилення консолідації ринку, бурхливу конкуренцію та повну лібералізацію бізнесу третього сектору, компанії переглядають свою участь через дочірні компанії у нежитковій частині бізнесу, що вперше було дозволено у 1996 році.

У довгостроковій перспективі японські страховики, ймовірно, формують бізнес-альянси на основі демутуалізації. Широка консолідація на фінансових ринках Японії в найближчій перспективі також призведе до капітального ремонту сектора страхування життя. Хоча вітчизняні страховики життя оголосили різні стратегії ведення бізнесу у другій половині 2000 року для реагування на цю морську зміну, фактична користь різних запланованих альянсів для кожного страховика залишається невизначеною. Подальша консолідація ринку повинна принести користь для страхувальників, принаймні, надання більш широкого спектру товарів та послуг. Щоб досягти успіху, страхувальникам життя доведеться бути більш чутливими до різноманітних потреб клієнтів, одночасно встановлюючи нові бізнес-моделі для забезпечення своєї бази заробітку. Довгострокові перспективи здаються хорошими, враховуючи високий рівень економії населення Японії. Однак у короткостроковій перспективі Японія готова побачити ще декількох страховиків, які піддаються перед тим, як сектор посилить свою нижню лінію з ретельними реформами та розсудливими нормами інвестицій та розкриття інформації.


United Airlines: Domination in the Sky

United Airlines was founded on April 6, 1926 in Boise, Idaho. The original name is Varney Airlines. Its airport lounge is called Red Carpet Club and it is a member of the Star Alliance. It offers flights to 216 destinations worldwide and its parent company is United Continental Holdings. It is based in Chicago, Illinois.

Fleet size

United Airlines operates 359 aircraft. 97 of them are Airbus A320s and 96 are Boeing 757-200s. The US airline also has 55 Airbus A319s and 35 Boeing 767-300ERs. There are 33 Boeing 777-200ERs and 24 Boeing 747-400s along with 19 Boeing 777-200s.


United operates from six major hubs – Chicago Hare International Airport, San Francisco Airport, Washington Dulles Airport, Los Angeles Airport, Denver Airport, and Narita International Airport in Tokyo.

United Airlines plans to add more airports to its hub list in the future. They can be listed below:

Newark Liberty International Airport
Cleveland Hopkins International Airport
George W. Bush Intercontinental Airport
Antonio B. Von Pat International Airport


United Airlines offers flights to Accra and Lagos, Africa. In the Caribbean, its flights may depart from cities such as Oranjestad, Montego Bay, Grand Cayman, San Juan and Punta Cana. In Central and North America, its flights depart for Liberia, Cancun and Calgary, with the exception of several destinations in the United States.

In southern America, this US carrier provides flights to Buenos Aires, Lima and Rio di Janeiro, among others. Asia, Beijing, Taipei, Osaka, Singapore and Seoul have major airports. The most important European destinations for United Airlines are Brussels, Rome, Paris, Amsterdam and Frankfurt. Melbourne and Guam are major locations in the Oceans.

Frequent flight program

Mileage Plus is a program for frequent United Airlines aircraft. The main advantage of the program is that the recipients receive endless mileage. However, for this to be effective, the flyer must either redeem or earn travel miles every eighteen months.

The organization also provides elite membership. This provides more benefits than standard membership. This facility was created in 2010 and is only available to members who have the status of Prime Minister, 1K, and Prime Minister.

These members can also receive endless updates on domestic flights. However, these facilities are provided only if there is sufficient space in the flights.

Code sharing agreements

United Airlines has Codesharing agreements with a number of airlines:

Aer Lingus
Hawaiian Airlines
Island air
Jet Airways
Ethiopian Airlines
Qatar airways
Aviation of the Great Lakes
TACA Airlines
Gulfstream International Airlines


Places to Visit in New York

New York City is a vibrant, vibrant city that attracts thousands of tourists every year to visit its vast buildings, fantastic museums, quality restaurants and world-class shops. New York is a place where you can find a diverse multicultural and diverse population, and it varies from desperately poor to heights of excess. This variety and variety provides an interesting and lively atmosphere and brings a unique color to every area.

New York boasts more of its amazing sights than anywhere else in the US, New York has the charm to make people feel like they know the city before they even existed. In my article I mention the most popular places to visit and things to do in New York so that visitors can easily identify the most important places. So if you are planning a visit to New York in the US, then book a visit with us and book cheap flights. So buy cheap flights to your destination now and save more money.

Statue of Liberty: A wonderful gift given by the people of France, means what is being said in New York. The best place to start exploring New York City is to visit the Statue of Liberty. It is one of the most prestigious and well-known landmarks in the world. For visitors climbing the 354 stairs to get to the statue's crown, it's an unforgettable experience of life, and it's nothing more than a postcard or a photo of the statue. The Statue of Liberty is located in New York Harbor, standing on the 12-acre Freedom Park. For panoramic views of the city, you should visit the observation deck. And to cherish an amazing engineering structure, you can visit the national monument. Viewing this beautiful statue is one of the most inspiring experiences for visitors.

Central Park: To provide a much needed open area for the rapidly growing population of Manhattan, this 843 square mile was developed in the mid-19th century. In the center of the concrete jungle, Central Park has become a peaceful sanctuary among New Yorkers. The park contains 58 miles of sidewalks and is surrounded by six miles. You can spend the whole evening strolling through the park, Central Park being the main attraction for tourists and residents, because for all ages, the park has something to offer, besides walking and jogging, you will also come across a puppet theater carousel, a zoo restaurant and an observatory. In November and March, you can see the famous rinks. For more fun, you can rent a boat from Loeb Boat on Lake Central Park.

Chelsea Galleries: Chelsea became the capital of New York art during the 1990s, as a large number of galleries moved to the area. Chelsea Galleries is now an important stopover for those interested in the latest in the contemporary art scene.

Museum-loving visitors will find New York as a sky, as New York offers a large number of modern world-class museums. Museum lovers will consider the Museum of Contemporary Art as one of the best museums, featuring over 100,000 sculptures, paintings, photographs and prints. Picasso Pies, Van Gogh, and Claude Monet's Water Lilies tend to attract visitors. The museum has about 30 million artifacts in its collection house. At the Museum of Natural History, three dinosaur halls are also very impressive.

Sunset at Riverside Park South: There is a new 600-foot marina on Riverside Boulevard in Riverside Park South. You can lift your camera up and down the Hudson; people find this place very romantic, spectacular and enjoyable. People from all over the city gather here to enjoy breathtaking sunset views. You can also find an outdoor restaurant, barbecue, bar and good music that blends in with the atmosphere.

Astroland Amusement Park: Located on Coney Island, it offers various types of adventure games and great attractions. Cyclone roller coasters will bring excitement and chills to children as well as adults. The park has an arcade game room where you can play all kinds of video games.

Although New York can be very different, but it is understandable that there are plenty of attractions in New York to satisfy every taste, not to mention the New York Yankees Stadium, Chinatown, Cathedral St. Patrick's, New York Aquarium, or Radio City Music Hall. As a great business city, you can still find plenty of places to visit both natives and tourists alike. You can come across many great places to unwind and refresh the numerous parks, cars and skyscrapers, the wonderful beauty of nature.


10 ways to save money on flights

1. Have patience. It takes effort to get a good price on flights. Now, don't let that deter you, as saving $ 100 on flights can mean you can spend more on sightseeing, hotel, lunch, sightseeing, and more. This means that if you want to travel in the spring, you should start checking prices in late fall or winter. Sometimes there are last minute deals, but most often you will find the best deals at least 21 days before the departure date.

First of all, in the morning (around 9:00 in the morning and after 6:00 in the evening), I like to browse the travel websites to see if there are any offers available that day. I also like to delete my browser history and cookies, because sometimes travel websites and airlines remember your search, and this can cause prices to really go up.

My favorite site is Skyscanner. One of the great features of this website is that you can check what the best price for the day is – travel around the world from your airport at your convenience. For example, I live in Toronto, so I will fly from Toronto (YYZ) to everywhere. This is a great feature because it will tell me where the day, the date, the month, etc. are the cheapest for me to fly anywhere in the world. (I recently used this site to help me get tickets on my trip to Seoul, South Korea in April. Other airlines charged $ 1000- $ 1500 + for flights to Seoul, but Delta promoted and I managed to get roundtrip for only $ 850 CAD / $ 770 USD per course.)

Another great feature on Skyscanner is that you can specify a destination and travel date and sign up for "Price Alerts" so they can email you if the price goes up or down within the specified travel dates. (My sister just used this feature to help her get a flight to Edmonton, Alberta for a trip in May. One way tickets were about $ 300- $ 400, and she was able to get it for $ 269 CAD.)

Another website I like to use is Expedia. Each day, they will show travel deals available to leading local and international travel destinations. They will also include "Flight + Hotel" offer packages. This helps me understand what the average cost, such as a 4-night trip to Las Vegas. Let's say the price of a flight and hotel in Vegas for 4 nights on the Strip is $ 500- $ 600 per person from Toronto, I like to try to keep track of deals below or below that price – that's how I know I save money and get the best the price.

However, the one thing Expedia has is that the advertised price is not always available. If I look at their last-minute flight tickets, I can see round-trip tickets to Miami for $ 250 CAD (departure from Toronto), but as soon as I click on the deal, it may say that instead the price has gone up to $ 350 CAD. This is not always the case, but it can sometimes be something to keep in mind.

Other websites I like to use are: Kayak, Redtag, Sunwing, Bing Flight Forecast and Airfarewatchdog.

2. Check the airline's direct web site. While these third-party travel websites can be great, sometimes the best unreleased deals can be found directly through the airline's website. I recommend signing up for email promotions offered by your preferred airline. For example, since I live in Canada, I have signed up for Air Canada promotional trips. This will allow me to see the special offers available as soon as they appear on Air Canada.

I really wanted to take a weekend trip to New York with my sister last February to celebrate her 21st birthday. In addition to checking third-party websites, I would also sort out the dates by entering Air Canada travel. They didn't advertise this deal, but I managed to find direct round trip flights from YYZ to LGA for $ 199 CAD. It was so much that I was so happy to be through Air Canada. Sometimes the airline website also offers promo codes, so it's worth a look.

3. Check departures / arrivals from alternative airports. This is not always convenient, but sometimes many large cities have more than one airport or have another airport in close proximity to them in another city. For Toronto residents, there is Pearson Airport, which offers domestic and international flights, and Billy Bishop Airport, which offers separate flights to Canada and the US. It is also possible to cross the border and depart from Buffalo Airport. Flying from Buffalo Airport is almost always cheaper than Pearson or Billy Bishop. But the downside is most (if not all flights) aren't straight, and you'll have to pay for parking, as most people leave their car at the airport when traveling. A flight from Buffalo is always a last resort for me as it's a 90 minute drive from Toronto (you have to consider gas rates) and depending on the length of your trip, the cost of parking can bring this reduced flight to or around the same cost as on flight if it departed from YYZ or YTZ. However, sometimes there are significant savings when you depart from Buffalo, which will definitely make your time. (When I did corporate corporate travel at my previous job, last-minute travel often happened, and if a group of 2+ years needed a trip to the US, a Buffalo departure saved the company $ 300- $ 600 + flight.)

This can also be said not about the airport of departure you chose, but also the airport of arrival. For example, when flying to New York, there are essentially three airports that you can reach: LGA, JFK, or EWR. Sometimes you can get a higher price by arriving at one airport over another. However, you need to be mindful of airport travel to your hotel. If you take public transit, you can reach Manhattan from LGA for only $ 2.50 when you take the bus and subway train. However, getting to Manhattan from EWR is a bit more expensive because you need to transit in New Jersey and then go to Manhattan. If you take a taxi, fares from each airport to Manhattan may vary. This is an important point to keep in mind and I recommend you do your own research before traveling.

4. Follow the airlines and third-party travel websites on Twitter (social media) and subscribe to their mailing list. One of the most important features of social media is that airlines can use this to advertise special promotions through specific social networking sites. Sometimes the airline will offer a special promotion code through its Twitter or Facebook page, which is not posted on other websites. West Jet is offering Blue Tag Thursdays, which is a special event only offered on Thursday afternoons (unless they have another special run during this time). You can find it on their web site or follow its advertisement on your Twitter or Facebook page. By subscribing to third-party mailing lists or airlines, they sometimes send private promotional offers to their subscribers, which give you secret access to their sales.

5. Don't be afraid to book your flight and hotel separately. Sometimes you can get a lot of money from sites like Expedia when you collect your vacations and book flights and hotels at the same time, but that's not always the case. If you see an exclusive flight deal, book it now, don't wait! Later you can find the best price at the hotel. I also recommend if you really see a lot on the flight, please book it now, and don't wait later in the day. Let's say you see a lot on the flight to San Francisco in the morning, but wait until you get home from work to buy tickets, it may not work for you.

To give you an example: I grew up in San Francisco looking for flights to come back and visit (it was back in October 2012), but they cost about $ 600 and I wanted to expect a better price. A few weeks later, Delta sold and offered flights from Toronto to San Francisco for $ 437 CAD. It was an incredible price, given that I had seen – $ 600 + in the previous weeks, so I didn't expect and immediately bought tickets. Later that day, I checked if the deal still failed and the price dropped to $ 600. I highly recommend booking when you see a price that you think is a great deal because it may disappear sooner than you think.

Sometimes, when you book long-distance flights, it may be better to book them separately than travel with the same airline. For example, last summer (June 2013) I wanted to fly from Toronto to Las Vegas, then from Las Vegas to Los Angeles, and finally from Los Angeles back home, to Toronto. I spent about a month and a half daily checking prices to get the best deal. In the end, I managed to get an Air Canada sale for flights from Toronto to Las Vegas and from Los Angeles back to Toronto. I was waiting when I was booking a domestic flight from Las Vegas to Los Angeles because Air Canada apparently didn't offer it and the cost of this one way flight was about $ 100. About a week later I found myself on and saw that they had a $ 49 Escape deal for the flight I needed from LAS to LACS. It was a lot, so I usually booked immediately. My whole multi-city fare cost a total of $ 515. (YYZ to LAS and LAX to YYZ cost me $ 466, and a southwest flight from LAS to LAX cost $ 49 USD).

6. Know what time of year and what days are the cheapest to fly. Traveling on a Tuesday and Wednesday is generally cheaper than any other day of the week. (Typically, Weekly Flight Search also offers the best deals.) From experience, I also find that Thursday and Saturday can also offer the best price. Of course, this does not happen all the time, and you have to experiment with dates, which is why Skyscanner is great for deciphering which day is the cheapest for departure and return. The days that are usually the most expensive are Monday, Friday, and sometimes Sunday. Airlines know that most business trips take place Monday through Friday, so it is usually more expensive to leave on Monday and return on Friday. However, business travelers began to depart on Sunday instead of Monday, hoping to get a more affordable fare, but that doesn't always work. Getting the cheapest departure date in a week, of course, depends on the flexibility of your travel dates.

The time of year also helps. It is usually cheaper to fly to Europe in the off-season and shoulders (late fall, winter, and early spring). Last year (2013) My parents traveled to Paris in April on two direct flights from Toronto-based Air Transat for $ 671 CAD each. It's not the best price I've seen, but it was probably the best deal at the time for continuous round trip. Traveling in the off-season is not always a downside. Sometimes because of bad weather, you don't want to travel during the off-season, but overall the off-season is less crowded and offers better prices.

I think now (early spring) flying to Las Vegas (about $ 400- $ 500) is a bit more expensive because most people like to go there during the spring before the weather gets too hot in the summer months. (I compare this to the flight deals I saw last winter for about $ 350 CAD.) It's always a good idea to check what events happen on those days when you want to travel to a certain destination. Sometimes a holiday or a big conference fee can drive up the fare. I always suggest setting the average price for flights to your desired destination, and then watching the price fluctuate.

7. Save money on your luggage. Now most airlines charge you $ 25 for every way you check your luggage. And they will charge you extra if your luggage exceeds the airline's weight limit. You can avoid this by packing light and making sure your luggage does not exceed the limit (check the airline to confirm weight restrictions and checked baggage rates). Also, if you are traveling for a short trip, consider sharing one checked luggage bag with your travel partner. This can save you $ 50 on travel expenses, as it costs $ 25 for each baggage check.

If you are traveling for an even shorter trip (a weekend trip), just think about taking your luggage and forgetting your checked bag. Most airlines will allow you to deliver a small amount of liquid on board the aircraft. If you're just going for a quick weekend trip, you might only be able to escape with a bag. I did this for my trip to New York last month. I went to my local dollar store and bought a small travel bag from clear plastic containers. This allowed me to bring shampoo, conditioner, face wash, night / day cream, foundation and more. It also contained stickers with stickers so I knew everything was there. I understand that this is not practical for everyone, but for a 2-night trip, I would rather spend $ 1 on a dollar bag and then $ 50 for a checked bag. It also saves me the hassle of waiting for my checked bag to be returned for a Baggage claim.

8. Shop around for travel / health insurance. I always recommend getting a trip or additional health insurance for your trip, but sometimes you don't get the highest price when you choose the insurance package offered by the airline when booking flights. Usually, your work insurance offers some type of travel or health coverage when traveling. Talk to HR about this if you are not sure. You can also buy insurance from your bank – that's where I want to find the best rates. It will also be cost effective in the long run in your plan and trip several times during the year. (Instead of paying for insurance every time you book a flight, you can go to a bank or alternative place for a year for a fee.) If you are over 40 (or have health problems), we recommend purchase additional medical coverage (even if you are already covered). Unfortunately, we can never predict what might happen while traveling, and if, God forbid, something happens, you'll be happy to get some extra health insurance. This is something unique to everyone, so I can't tell you that the best option is to talk to HR, your bank, and your family to see which one is best for you.

9. Avoid site selection fees (if you can). Some airlines ask for an extra fee to make a pre-selection, sometimes included in the price – if so, that's great, but if you have to pay $ 20 or so to make a pre-selection, I would pass. You can usually check in early (24 hours before your flight departure) and choose a place for free. You may be able to get the chairs you need, and you can. It's a hit or miss. If you do not have an advantage over where you are sitting or want to take a risk, then avoid paying extra for your pre-selected seat.

10. Take advantage of travel rewards programs. There is so much competition between airlines and credit cards today, so sign up for their travel rewards programs. Talk to your bank and find out which travel credit card is best for your needs. Many allow you to collect points for your daily expenses so you can redeem them for free flights. Some of these credit cards are subject to conditions, for example, you can only book flights through your bank or have expiration dates. However, with the large number of credit cards on offer today, they are improving and you can find one that does not contain any of these conditions. This means that you can use your points to redeem your flights anytime, anytime. Sometimes these cards are a small annual membership fee, but the reward is worth it.

The same applies to programs that airlines often offer. The more you fly with one airline, the more often you will gain airplane points. This is great for business travelers because if their company pays for their trips, they can collect frequent flyers so they can buy out their personal travel trips. Some companies even allow employees to book their own flights and then submit reimbursement receipts. This allows the employee to earn points on their credit card for rewards in addition to common postcards.

I hope these tips will help you book your next vacation or trip. Note that these tips have worked in my own experience, but may not work for everyone. Головне, що потрібно пам’ятати, це те, що головне, щоб отримати найкращу пропозицію на своїх рейсах, – це набратися терпіння та бути гнучкими щодо ваших дат подорожі.


Easy ways to get a cheap ticket to New York

With so many beautiful and exotic destinations, a huge number of travelers require a trip to New York. The lively and bustling city of New York has a complete blend of huge buildings, world-class shopping, well-preserved museums and quality restaurants that offer fine cuisine. With the perfect blend of ancient history and modern beauty, it's no wonder travelers are ready to pack their luggage and look for easy ways to get a cheap ticket to New York. New York is the ultimate place to find a diverse multicultural and diverse population. With so many places to visit and explore the endless list of world-famous landmarks, make sure you book your tickets to New York quickly and easily. Various travel agencies and airlines offer their travelers discounts on flights and cheap flights.

Undoubtedly having fun on vacation in New York with your family or friends can sometimes be a costly option and even make a hole in your wallet by using a little clever techniques and alertness if you book flights to New York at certain times of the year you might come across on some great deals on cheap flights. The general scenario is that most travelers face different ways of getting information on such cheap flights. Having different travel websites, booking flights from those sites can also be a money saver.

Inexperienced travelers can start searching for cheap flights to New York by browsing the various cheap flights available on the Internet. But there is a major drawback to working with such websites, because there is so much information about big airline deals, travelers often confuse the right type of airline booking and land when making the wrong decisions. Solve your problem if you narrow down your choice by buying the right kind of tickets. Different airlines websites display information on various flights, discounts and attractive package for flights to New York.

If one of the travelers is thinking of fulfilling their dream of a trip to New York, they must plan their trip in advance. After pre-booking tickets to New York, travelers can take advantage of some affordable low-cost flights. You can also take advantage of having the best flight options available when booking early. There are times when an emergency arises and you may need to fly to New York for a last-minute solution to read the offers provided by most airlines for cheap flights.

Keep your flight fluctuations up to date with consolidators. Keep in touch with wholesalers or consolidators who can keep you informed about the increase or decrease in the price of a flight to New York.

Consolidators buy flights in bulk from airlines and resell them to low-cost travelers. If travelers spend extra time on their flight making comparison purchases, they may find that, depending on certain factors, there is a difference in flight rates for the same flight that flies to the same destination. Enter into several sites and enter a huge list of information about different flights before you will be displayed for different dates of departure and arrival, book the ticket that is right for you.

Before diving into the colorful and dazzling city of New York, travelers must first plan how to get there. There are three major airports – New York. John F. Kennedy International Airport (JFK) operates both national and international flights; LaGuardia Airport (LGA) offers mainly domestic and Canadian flights, while Newark Airport (EWR) offers national and international flights. The availability of so many airports has proven to be a boon among travelers as the chances of getting cheaper airfare are more than a year away.

There are times when the chances of getting discounted flights or low-cost tickets are much less, such a situation occurs during holidays such as Christmas, New Year. Even travel in peak seasons or weekends should be avoided.

Points to keep in mind:

Avoid travel during peak seasons, such as Christmas, New Year. Cheap flights to New York are slower in the weekend. Book flights from websites. For pre-booking.


Discover the little-known secrets of finding the best cheap flights to Canada

There are many good reasons to use cheap flights to Canada. The giant of the North American continent is the United States. We've all heard everything seems to be bigger. In terms of territory, Canada may be a smaller country than the United States, but its charms are just as exciting. This country is famous for its breathtaking scenery. Canada provides a range of climates from snowy to hotter. This means you can take advantage of world class ski resorts in the Rocky Mountains. A popular resort is Marble Mountain.

Finding cheap flights to Canada is a pleasant surprise, as it is a very popular destination. It is also a place that is well known around the world for its extremely high standard of living and open space. You can also see the Northern Lights from Canada. The best place for this amazing natural wonder is Newfoundland and Labrador. This part of the country boasts an interesting and solid coastline, and the character is unmistakably nautical.

Cheap flights to Canada have many benefits. Whether you are a vacationer or a regular visitor to Canada, you can save money. Try to book your tickets as early as possible to get even more discounts. All cheap flights are operated by well-known and experienced travel agents and airlines. This gives consumers the choice of travel.

You can get the best deals to Canada by choosing a package deal. This may include airline tickets, car rentals and accommodation and meals. A very good example of an all-inclusive trip to Canada is a stay at a ski resort. This may even include the use of ski equipment and childcare. Booking cheap flights has never been easier. Just go online and make your choice.