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Cheapest Hotels and Apartment Hotels

Vacationing in Barbados is no longer exclusive to the elite and wealthy. There are now a lot of affordable accommodations scattered throughout the island where eager budget-restricted vacationers can simply choose that one place which is suitable to their traveling party or individual preferences. There are so many kinds of lodgings to choose from. Choices vary from a quaint Barbados apartment hotel, to a luxury hotel or villa.

Choosing where to stay is sometimes the most troublesome part of the whole vacation planning experience. There is a need to employ the use of an effective elimination strategy to narrow down the most suitable choices. To help things along, here is a list of the cheapest accommodations in the beautiful island Barbados:

The Abbeville Hotel. This is probably one of the most popular budget hotels in the area, and is usually listed as a hostel in majority of booking lists or web sites. It is a small and old place, but it makes up for it with charm and cheap prices. It is convenient because it is walking distance from pretty much all the essential places and establishments. The rooms are comfortably air-conditioned and designed in a typical colonial Caribbean style.

Rostrevor. This family-owned establishment is situated in the heart of St. Lawrence Gap. The guest rooms are especially designed to provide tourists with all the necessary amenities to experience a special, self-catering vacation. Each room is fully equipped with a variety of features that are specific to the provision of comfort such as air-conditioning, cable services, kitchenettes, bathroom, wifi connection and so on.

The New Edgewater Hotel. This place is located between a river and rainforest in the east coast of Barbados. There are a total of 24 rooms and suites that offer luxury facilities at affordable rates. The establishment has its own restaurant and offers free internet access in all of the rooms which is ideal for any traveler. The quiet serenity of the east coast is one of the most appealing features of the hotel.

Golden Sands Hotel. The beautiful exterior and interior of this hotel makes visitors forget that it is a budget accommodation. Set in a tropical garden, the hotel offers a pool and a bar that serve quality Caribbean and international cuisine. It is located just across the famous Golden Sands Beach, which is considered to be one of the top beaches on the island.

Sugar Cane Club. This boutique hotel offers tranquility, luxury and seclusion at the best prices possible. Overlooking the west coast, this hotel and spa offers guests access to 2 pools and bars, a restaurant, gym, spa and a squash court. There are a total of 40 rooms and suites, and a private villa that is equipped with its own kitchenette.

Tropical Winds Barbados Apartment Hotel. This includes 23 studio, one-bedroom and two-bedroom apartments that are fully equipped with kitchenettes, air conditioning and internet connection. The apartment hotel has its own restaurant and bar and laundry services. Located on the southeast side of the island, it boasts of some of the most scenic beaches. The staff is always friendly and accommodating.

Choosing a Handbag Supplier for Fashion Boutiques and Gift Shops

Designer handbags, fashionable purses, women’s hats and accessories have become very popular in the past few years. Gift shops, fashion boutiques, and retail designer stores have jumped at the trend to stock their establishments with merchandise in this category. How should a merchant choose their wholesaler to supply them with quality goods at a fair price?

Wide Selection of price points

Not all fashion accessories and handbags are priced equally. While many bags and purses retail in the $40-50 range, there are lots of designer hand bags that can sell for $150 and higher. Many retailers earn more profits from the high end bags, as the wholesale prices of handbags and accessories are 40-50% below retail price.

Quality Merchandise

Be sure the supplier has 1st cut goods, which is the industry speak for top quality. Not all handbags are of similar quality. There are bags selling for $40 that can last a year or longer, while some selling for $250 can fall apart in a few months. A retail establishment’s reputation is dependent on the quality of their merchandise. Don’t fall in with a poor wholesale handbag supplier because of their marketing tactics if their goods won’t make the cut.

Choice of Styles

Hand Bags and Purses come in a wide variety of styles. There are different materials that make up the bags, such as canvas, leather, fabric, suede, and even straw for the spring and summer months. Then there are the endless array of styles, such as clutch, hobos, cross body, strapless, and totes. Bags also come in a huge variety of designs, with sequins, beads, embroidery, and stitching. it pays to choose a supplier that can offer a huge selection of styles so the store can have a reliable source of products that their customers will be looking for.

Wholesale discount price

Fashion accessories are known for extreme variation in pricing, and wholesale handbags are no different. Choose a supplier that is also a direct manufacturer, so they can pass along the savings directly to the retail establishment. Find a wholesaler that will sell low minimum quantities to retailers, so the savings are available even when purchasing a minimum quantity of bags.

Reputation

It doesn’t pay to stock what is referred to as “replica bags”, or cheap imitations of designer brand name handbags, such a Gucci, Coach, or Pravda. These iconic brands command a high price, and no one will be fooled paying $20 for a top name hand bag. All that does is dilute a store’s reputation and honor. Choose an honest supplier that has their own brands, or buy from a licensed vendor who is authorized to sell brand name wholesale handbags.

Retirement Planning – IRA and 401k Rules, 401k Loans, and Limits

As with a lot of people, I am currently debating how I should invest my retirement funds. However, to get the best from either, it is important to understand both the IRA and 401k rules as they apply to retirement planning.

First of all, I have considered the company 401k plan. This is, in essence, very similar to the Traditional Individual Retirement Accounts (IRA) – which will be covered a little further on – certainly with regards to tax limitations and so on. All contributions are invested, before the withdrawal of taxes. Subsequently, the Adjusted Gross Income, (AGI) is lowered, allowing a tax break immediately. The invested money will not be taxable until it is withdrawn upon retirement. It is possible to withdraw the investment early, but there are restrictive penalties for this. 401k loans can be made, but there are certain things that must evaluated.

The annual contribution is limited each tax year. Currently for 2009, this is set at $16,500. In 2008 it was limited to $15,500. The limit for 2010 will be announced by the IRS in October of this year, and new 401k rules dictate this will be linked to inflation. There are also additional contribution rules for the over 50s, where an additional $5,500 is allowed to be invested, over and above the previously given limits.

One major benefit to take advantage of with 401k rules is the potential company match offered. This allows the employer to match a defined percentage contribution of the employee’s total salary. Percentages vary, and are decided internally, but whatever this limit is set at, results in free cash to the fund. Also, 401k Loans are available, which are not available for IRA counterparts.

So next, I looked at the IRA rules, and how these best suit me. There are two types of IRA: Traditional and Roth.

As with the Company 401k plan, traditional IRA money is invested with the benefit of tax deduction, thus lowering the AGI and giving an immediate tax break. But again, the stiff penalties for early withdrawal and taxable when withdrawing need to be carefully considered.

With a Roth IRA or the Roth 401k, taxes are not tax deductible. This of course appeals, as no taxes are due upon retirement. However, as with the traditional plan and the 401k rules, stiff penalties will be imposed if taking early withdrawal.

A major difference that both IRA and 401k rules dictate is the inability for a company match, due to their being individual investment plans. Limits for both IRAs also differ according to age. Currently, the limit is $5000 for the under 50s, and $6000 above this. Again, limits are announced in October, and are now to be linked to inflation rates.

The IRA & 401k rules given here are just the basics, and are indicative of a common thought process. Before deciding which plan to run with yourself, it is highly recommended that you spend some time with an Independent Financial Advisor, or other qualified professional, to best understand your personal circumstances. Despite the global uncertainty, investment is always going to remain the best policy for money throughout retirement.