FIND LOWEST PRICE OPPORTUNITIES & DISCOUNT

Lowest: Travel discounts for young people

In some places enough to present the ID card to obtain discounts for youngsters. Young people are one of the groups to which they like to travel, but few people have sufficient financial resources to do so assiduously to higher prices that characterize the current tourism. Therefore, several agencies have created different cards that offer travel discounts as both houses. These are the most popular cards used:

- Youth Card Euro> 26: Spain is usually acquired through savings. On the Web can be found www.euro26.org what banks and institutions that dispensed. It is aimed at young people between 14 and 26 years. Among the major media companies and offering discounts with this card stand out RENFE (20% discount), ALSA (between 10% and 15%), AVE (between 25% and 40%), Transmediterránea (20%), Europcar or Avis (30%).

- International Student Card: You must be over 12 years and be officially recognized academic study. Purchase costs 6 euros. On page www.istc.org are the points that can be purchased and businesses that offer discounts with the card.

- Hostelling Card REAJ-IYHF: It entitles you to stay really symbolic value hostels in Spanish and more than 5,000 members of the International Youth Hostel Federation (IYHF). It is for youth ages 14 to 30 years, its price is 5 euros. It is usually available at municipal offices youth, entertainment and more. Must be renewed each year. The website can be booked www.iyhf.org stays in hostels attached to the IYHF.

- Inter-Rail card: Inter-Rail is one ticket that entitles you to train different itineraries in Europe. The prices are cheaper the younger you are the person using. For example, a 16-day trip is worth 143 euros for children under 12 years, 195 euros for those under 26 and 286 for those over 26. All information on routes and fares are available on the web www.inter-rail.org/es. In Spain, the card is obtained at RENFE.

- International Travel Card for Young, GO'25: Used in 95 countries and is the only approved by UNESCO as a document for youth mobility. To use it you must be under 25 years and paid 6 euros. Expires one year and is obtained in the Department of Youth, in some councils, youth associations and travel agencies.

Some savings banks that do not have the Euro> 26, have their own card with which young people can also get discounts on transport, leisure and travel agencies. Also, some universities also have cards to college to get discounts. As a general rule, despite not having the cards mentioned, you should always ask if discounts are young, because in some places (eg, the Eiffel Tower in Paris or the Museo Reina Sofía de Madrid) enough to teach the ID card to obtain discounts.

Lowest:  "return" of tickets can be up to 60% savings on a trip

Discounts on tickets to "return" leaving home, from Seville, 0930, have a meeting in Madrid at 13.00 and be back home for dinner and to bathe the children, at 2100, breakfast in Barcelona and spend two days in Milan be the first thing Monday morning on the job in Barcelona ... are more common every day situations. Coming and going from one place to another in a short space of time is the order of the day, so that transport companies are increasingly competitive and have made notes of "return" in a commercial gun has multiple advantages both for firms and for the user. Freedom exists when imposing a tariff policy that each company generates prices apply it considers more appropriate depending on the time of the year, the route and type of consumer. Discounts on tickets to "return"-over whether the purchase is made through Internet, are a constant in trains and coaches, who tend to apply this reduction both in their local trips or short distance, as in long distance. The airlines, however, often limit the discount to their international flights.

Advantages for all. Buy a ticket to "return" is an excellent choice for any traveler. In addition to securing a seat for the date of return to the starting point, the main advantage of buying a ticket like this is the savings. But this does not apply at all times, and we must keep in mind that last minute changes in travel conditions (the date or time of return) often involves additional expense. For journeys that are made by air, the greater the advance in the purchase of the ticket, saving more often, a situation which is seldom found in other types of transportation.
In addition to passenger transportation companies also tend to gain, with ticket sales of "return." Whether by plane rides, or to train or coach them this fee allows the company to know the occupation of their vehicles at an earlier stage feeds back into the planning of their services, which involves providing a higher quality service. With ticket round-trip "user get discounts, and companies can better plan their services. One way to ensure the greatest savings in the purchase of a ticket in the form "return" is to make it through the Internet. Both Iberia, as RENFE, and as Alsa bus companies offer the best prices through their respective websites. The new system of RENFE rates, for example, offers a promotional discount of up to 60% in case of purchase over the Internet.
Top Discounts.

Traveling by train, bus or plane, most transportation offers discounts when tickets are purchased are "return."
20% off on rail journeys: The new tariff policy of RENFE, apply from Nov. 28, provides five different rates on new terms for long-distance. These include the purchase of round-trip ticket, which represents a savings of 20% for any course at the national level and at any time of year. To this we must add the promotional discount of up to 60% offered by the railway company if the purchase is made online. For tickets RENFE commuter, discounts on tickets to "return" are varied, and the reduction depends on many factors including the number of miles, belonging to a particular group, there are discounts for certain professionals, , or the acquisition of bonds and specific promotions. Discounts in road transport: If one takes into consideration the leader in passenger transport by road, Alsa Enatcar, states that the average overall savings to the consumer to purchase a ticket for "round trip" is 10%, either for short-haul journeys to travel long distances. However, in the first case, the discount may be higher, because service is usually acquired through multi-trip fertilizers. This savings occurs on all routes and throughout the year, regardless of other promotions are offered special discounts to certain destinations.

Air travel discounts. The airlines Iberia and Spanair offer the possibility of buying one-way ticket, or "return" on domestic flights in nature and those whose destination is Europe without the purchase of a second type of ticket does not mean any savings or price difference respect to the leg only. But conditions change when it comes to international flights. In the case of Iberia, for example, most international destinations are often cheaper if purchased on a "round trip" that "one way" (one way), and the percentage of savings is very different depending on season, every place has a different discount in summer or winter, the destination, or needs of the passenger. This allows the company to better manage air space, and you know in good time the number of seats that are covered.

Lowest: Discounted Mortgages and loans

Immigrants, young couples and large families may receive credit for reductions, but these do not exceed 0.25% of the spread charged by banks. The mortgage is a millstone that hangs over thousands of homes every month. In particular, on migrant workers, young couples or large families with low income. These groups are now the beneficiaries of a type of mortgages they can subscribe to the application of discounts with respect to the reference, and even in the commission and other personal loans. The reductions, however, are not very generous. The maximum reduction is 0.25% of the spread charged by banks and savings banks. In addition, the fine print warns the owners of which, in turn, should debit the payroll or other household bills on the body that granted the credit.

The boom years in which the banks granted mortgages with little demand conditions are far away. Get a loan today is a complicated task. Above all, for some users, as workers from other countries, young people and families. In order to meet their special needs, financial institutions have developed specific credits at a discount, just put your fingertips. This is an option very common in Spanish financial picture. There are few entities that market. Among those who have this offer, highlights Caixa Terrassa, proposed for large families, a reduction of 0.25% in the differential applied to the IRPH (benchmarks for mortgage loans) or Euribor, on all mortgage loans except "Five Stars". To this must be added the reduction of 0.50% in the opening committee. In their wedding service, the entity gives young preferential loans for any borrowing for purchase of housing, reforms at home, holding wedding ... There is only one condition: household payroll in the case of Catalonia. Resident holders should have the payroll or other household bills in the state that grants credits

Another proposal along these lines is that of Caja Murcia, with solutions in the form of funding for large families: personal and mortgage loans on preferential terms, with free financing up to four months. The "Mortgage Zero" Caixa Catalunya possible to finance the purchase of a home to a variable interest rate without paying any fees during the first six months. In this case, you can obtain financing for 80% of the value of housing, with a repayment term that rises up to 40 years. There is also a guarantee of temporary disability and unemployment for self-employed and civil servants. Options for immigrants. Those who have had to leave home to work in Spain have access to these mortgages, either to buy a home in our country or origin. Some offers grace periods covered, but are usually less than a year.

If the decision is to buy a house in the home country, the People's Bank has so-called "home mortgages." These loans have been made possible by the exclusive agreement signed between that entity and some banks and Bulgaria, Ecuador, Hungary, Morocco, Dominican Republic and Romania. The holders of these loans can obtain financing up to 70% of the property value. Is it worth it? Subscribe to one of these mortgage loans brings benefits, but not lacking for any inconvenience. While you can get discounts of 0.25%, the fact remains that the current offering mortgage subsidies incorporate similar or greater amount, without having to belong to a particular group of society and engage other CA products . It is therefore appropriate to make a thorough analysis before deciding. Advantages:

* The ability to qualify for discounts to which access would be impossible under current conditions of banking, if you do not belong to certain groups.
* The inclusion of a range of free home policies.
* To obtain credit on preferential terms, that can be allocated to the new housing.

Disadvantages:

* The rebate is minimal: in most cases is 0.25% on the differential applied to Euribor or other reference.
* Offer is not widespread in the national financial landscape.
* Although considered promotional offers some degree of exclusivity, it is easy to find other more aggressive than extending the subscription conditions and more generous discounts apply.
* They are bounded to very specific groups and not all users can benefit from this product.
* Access to credit is often the customer to transfer their salary or other financial contract with the Bank.

The tourism industry and hotels relies on massive discounts to fight crisis

The economic slowdown, high inflation and changing weather conditions have pulled travel demand. The tourism industry is being less affected by the economic crisis than others. Still, it had to resort to massive discounts to save the end of the summer season. Thus, it was possible to spend a week in some hotels on the Mediterranean coast almost half the cost than previous years. Virtually all surveys conducted from June to now among European citizens show that these have tightened their belts this holiday season, or at least they have declared after saying they had enjoyed their period of rest at destinations near and at the same time had reduced their stay. The general economic slowdown in the European Union (EU), the high inflation in many of its Member States and changing weather conditions have made travel demand has been withdrawn this year, which has taken its toll on European tourism industry the first in the world with annual revenue of 316,000 million euros.

The restoration and ancillary services are the most affected by the impact of economic crisis on tourism. The restoration and ancillary services are the most affected by the impact of economic crisis on tourism. In fact, bars, cafes and restaurants fell by almost 6% of their business between July and August. Worryingly for the sector is that all this has happened in peak season, which accounts for more than half of their annual income and also without the slowdown has touched the ground, and that the worst is expected later 2008 and early next year. Government's optimism. Nevertheless, the Government hopes that the national tourism industry achieved, at least, repeat the same results as in 2007. According to Minister of Industry, Tourism and Trade Miguel Sebastian, the business is going "reasonably well", especially compared with other areas and taking into account the economies of its major European customers "do not go exactly at their best."

In the first seven months of the year, tourist arrivals stagnated, with a minimum annual improvement of 0.2%
However, in the first seven months of the year, tourist arrivals stagnated, with a minimum annual improvement of 0.2% after a bad julio (fall of 8%), although the evidence is that in August have been recovered thanks at last minute offers hoteliers, who have worked closely with travel agents to achieve cheaper holiday packages and dynamic. As far as domestic demand is concerned, this year has increased remarkably tourist rents at the expense of formal hospitality, which has been compensated unexpected on the Mediterranean coast by foreign tourists, who have spent more. But this solution has not been possible in Galicia and the Cantabrian coast, which will encourage their results are somewhat worse when, in October to take stock of the summer season.

Discount checks & coupons to make it to the end of month

Exchangeable for countless products and services, contribute to household saving, although it should consider its terms of use. The Christmas season is often synonymous with excess and make a dent in the family economy. In the midst of a recession, this year played "tighten their belts" and take into account all resources to save as much as possible. Among them is one which is not given much attention: the checks or discount coupons. Issued by shops of all kinds, are redeemable for discounts on many products and services. While not a panacea, and involve conditions of use should be considered or used can contribute to household savings.
What are discount checks coupons?

Checks or discount coupons are ballots that can purchase a product or a service contract and establishments with some advantage, either a discount or a gift. They are distributed in the form of traditional "checkbook" or book of which you can start the "check" the promotion that interests at all times, but also takes other forms such as cut-out coupons, tickets exchangeable, or to be used by virtually the introduction of the code for making a purchase over the Internet. They are of different types: bearer, and linked to the ownership of a membership card.

* Coupons for members of a "customer club":

In recent years it has spread the habit of putting in place appropriate customer loyalty. The cards "club" or "loyalty" are a support to accumulate points in order to obtain certain benefits or direct discounts on the purchase of certain products and also enable their holders to obtain discount coupons to shop at that establishment.

Their use is conditioned to be the holder of that card customers (free), which should be served to pay the purchase price in cash. The advantages? You get coupons with which to qualify for discounts of between 10% and 25% for essential goods. Usually there are two ways to obtain these coupons:
1. When making a purchase, the delivery of a ticket redeemable on future purchases or for a discount of a certain percentage value of the purchase just to perform, or for other benefits specified in the voucher. Some dealers will allow you to use repeatedly during the period of validity of the coupon. Others allow the accumulation of points through which from time to time be given a voucher.
2. By downloading the promotional coupons from the website of the company. To access them, you have to enter your account by entering the member number and password.

In some cases, it is also possible to apply these advantages to shopping online to the company, without the physical coupon. To this we must have a user name (usually the member number) and password to access the "virtual account". Selected items, and before confirming the purchase, you must enter the code provided.

Promotions are subject to very specific conditions that limit freedom of choice

* "Check" to bearer:

Can be used by anyone, without having to register and promotions without providing any personal data. Are distributed as inserts in newspapers, by mailing or in subway stations. In addition, you can also download and print (as many as you want) through the Internet on different platforms (a very popular Family Check, which operates in the Community of Madrid), or request, including through the network, sending of a book. Greatest demand in large cities.

Many of the promotions are associated with goods and services related to leisure, such as discounts at restaurants, museums, leisure activities and so forth. It is also common to find promotional coupons (in magazines, junk mail ...) redeemable for drugstore products. They can be redeemed for benefits in buying the product in question in any establishment or only in stores belonging to the issuing company.

Conditions and limitations

The rebate checks can get a better price when buying certain products, goods and services, but it should be noted that this subject offers very specific conditions that limit freedom of choice. "They are often written in small print" in their own ballot. These are the most common:

* Minimum Purchase: To receive the benefits indicated on each ballot, as a condition provides a minimum expenditure or purchase of a product.
* Expiration date: the promotion period is limited in each case. The date is printed on the coupon. In the system of "checkbook" promotional, it is common for the publication of new books corresponds to campaign season: spring, winter ... Moreover, there may be limitations related to peak dates. That is, a discount movie can not be used on a weekend or enjoy a hotel stay during high season.
* Affiliated centers limited: you have to check on the ballot if the establishment to which you want to go is attached to the promotion in question. Sometimes they are limited to a specific list or an autonomous region, and there are exceptions such as not valid outside the peninsula, for example. It is appropriate to ask your own business before making any purchases.
* Can not be combined: the advantage of a coupon entitling you can not add to others, or use multiple coupons at once, so you have to gauge what is best for promotion from among those available.
* Not redeemable for cash.
* Limited offer: it is usual that the advantage is applicable to a limited number of products and services, very defined and specific in each class.

TIPS FOR MAKING A REAL SAVINGS

Checks and discount coupons are in danger of being carried away by apparent bargains and end up spending more than they had paid for the product given. Therefore, to save a few euros, the key is planned to use them:

* Make a list of products needed. In the case of coupons requiring to spend a minimum amount, you have to make a purchase of some importance to be able to take advantage of it.
* Collect the coupons have and see what can be used to purchase needed products, or their equivalents.
* In cases of coupons "client" not forget the associated card, without which the benefits can be obtained. If more than one holder, with a different card numbers, must be borne in mind that coupons are linked to a unique and exclusive credit card that was obtained by the coupon, and using coupons can not be linked to a card with other different numbering.