Posts Tagged: ‘ahead’

Tips on Caribbean Shopping (watch Out, Pirates!)

June 21, 2010 Posted by admin

Veteran cruisers to the Mexican Riveria will tell you that there is more to recommend Cozumel than just electric blue waters, killer Margaritas, and great snorkeling. It may just be one of the all-time best shopping destinations in the Caribbean. So how can you steer clear of the pirates of the Caribbean (most of whom no longer wear eye patches but instead operate shops catering to tourists) and get a good deal?

Some of the best shopping in Cozumel is within easy walking distance of the port. The cruise ship docks and shoppers can pretty much walk to great shopping in a few minutes. But there are lots of shops and even sidewalk displays. How do you know what’s what?

There are really two main categories of merchandise in Cozumel. The first might be considered in the souvenir category and spans trinkets to very nice quality merchandise with a distinctive Mexican feel. The second category would be luxury products.

If your shopping list includes colorful but inexpensive jewelry, a bottle of tequila, a leather wallet, and some Mexican pottery, there are quite a few shops that will meet your needs. One of the best and easiest to navigate is Cinco Soles (Five Suns) near the port. Here you can find everything from toys to dishes to T-shirts to leather goods along with the ubiquitous tequila and bottles of vanilla (Mexican vanilla is generally of very high quality and reasonably priced). The store personnel speak English and accept credit cards.

A fun shop in Cozumel that is not really Mexican is Del Sol which sells plain-looking T-shirts, tote bags, Frisbees, even nail polish, that change color when exposed to sunlight. Del Sol stores are located at many locations (not just Cozumel) but they’re still fun and the bright sunlight of Mexico shows off the Del Sol treasures to great effect. There’s one near the cruise port.

You may also see small sidewalk displays and other offers for everything from marionettes to dangling earrings. Wending your way through the shopping district of Cozumel can be tough, since merchants will speak to you and attempt to lure you into their shops. You can simply walk on by; merchants will not actually grab you and push you into their stores. If you make eye contact, you will be at a massive disadvantage; the more you respond to them, the more likely they will be to kick up their persuasion a notch to get you into the shop. On the other hand, if you’re out shopping, it can be fun to talk to local merchants and allow them to show off their best wares for you.

There are lots of big and small displays of such goods and if you do not spend very much, it is unlikely you can go too far wrong.

The other end of the Cozumel shopping spectrum involves luxury stores. Believe it or not, there are several outlets of Diamonds International and other high-end jewelry stores in Cozumel. You’ll see them all over as you walk along the waterfront (likely in view of your cruise ship, that’s how close they are).

Specialties at these stores include high-end watches, gold, silver, diamonds, emeralds, tanzanite, Mexican fire opal, and two rare gemstones ammolite and alexandrite. (If you do not know these stones, it can be worth a visit to one of these stores to see them.)

Don’t expect these stores to offer diamond rings for a pittance. But there are reasons why savvy jewelry buyers make the trek to Cozumel to do some special shopping.

First, there is no sales tax in Cozumel. If you stay within your allowance for the amount of merchandise you can bring home without paying duty (which is $800 for a U.S. citizen), you pay only for the merchandise. In the U.S., sales tax is around 8% and it is even higher in Canada and Europe.

Second, many of these top stores have an international presence. You can get customer service once you’re back home.

Third, many cruise lines have developed relationships with some of these stores. This sometimes engenders suspicion, but the relationships are actually beneficial to cruise passengers eager to buy high-end merchandise.

If your cruise ship has a shopping expert or if there is a talk on shopping, by all means participate if you think you’ll be buying products (particularly jewelry) in Cozumel. It is true that the shopping guru onboard will steer you toward certain shops and it is likely that those shops have paid a promotional consideration to the cruise line for that publicity.

But here is why that’s good for passengers. Most cruise lines will not endorse just any store that can pay a fee. Cruises return to the same port over and over again in a season and it would not be good business to recommend shops that were difficult to deal with, charged exorbitant prices, or otherwise were bad news for the customers.

Second, some cruise lines (such as Carnival) will allow you to register your purchases at selected stores while onboard. If you take advantage of this service, the cruise line guarantees the merchandise. That means if your new watch stops once you get home or you find out your gold and tanzanite ring is not authentic, the cruise line backs the merchandise.

Finding out if your cruise line does this and what shops it recommends is a great activity for you to do on your day(s) at sea before hitting Cozumel. Registering purchases with the cruise line should be done on the next sea day because you must register what you buy while still onboard the ship.

Luxury items abound in Cozumel: jewelry, perfume, watches, and even rugs. Rugs from exotic places like Turkey, India, Pakistan and Persia can be purcased in Cozumel (great selection, no sales tax, outstanding service) and shipped to your address back home. The Rug Emporium offers an extensive display, lots of English-speaking help, and free shipping Stateside.

Last but not least, lots of people buy liquor in Cozumel. Tequila and Kahlua are the most popular but by no means the only alcoholic purchases you can make. Liquor can be purchased in Cozumel at the shops or can be bought onboard ship for around the same price (but possibly not with the same selection).

The same is true for perfume. The onboard shops likely offer some fragrance and cosmetic products, but the big perfume shop on Cozumel’s main street by the harbor has a much more extensive collection. If what you like is onboard, you can probably get about the same good deal as you can by buying it in the land shop. However, if you want to see a broader range of products or you want to buy a product that the onboard boutique does not stock, you need to try the land store.

Cigar aficionados will find that Cuban cigars are not only legal in Cozumel (and onboard once the ship is in international waters) but plentiful. If this is a big deal for you, enjoy them in Mexico and on the boat, but don’t bring them back into the U.S.

So what about those famous pirates of the Caribbean? Like any buzzing shopping mecca, Cozumel has its share of merchants who sell shoddy merchandise, counterfeit products, or things they claim to be silver and gold (which are not). If you are not expert enough to know the difference, steer clear of shady looking vendors or shops far off the beaten track. The old adage “if it looks too good to be true, it probably is” holds true for ridiculously priced diamonds or gemstones.

Most cruise lines will warn you to avoid spending big money with dubious vendors. If you want to buy a T-shirt, a kid’s necklace, or some typical souvenir items, go ahead and shop the small stores or street vendors. If you are thinking of spending hundreds or thousands on jewelry, go to a reputable and recommended store. They’re there in Cozumel!

Zip on over to http://www.TheCruise-Shopper.com for the latest in cruise ship information. TheCruise-Shopper does not sell travel so you won’t be under any pressure to buy anything (not like going to Cozumel). Mandy Karlik wrote this article. Her last Cozumel purchases: a leather wallet, Chanel Chance perfume, and a very wonderful new watch. Imagine what she could do if she had more than a couple of hours!

What Is The Best Cigar Lighter?

May 22, 2010 Posted by admin

Looking for the best cigar lighter to elevate the pleasure of cigar smoking? Cigar connoisseurs and serious cigar smokers will tell you that finding the best cigar lighter is just as good finding a great tasting, good quality cigar. The market today, both online and retail cigar shops, are a washed with lighters of various designs, colors and add-ons, not to mention varying prices. Cigar lighters, as with other products and devices have evolved since their first patent or creation. Some would even have cigar cutter already attached to them so that you do not have to chomp off the end of your cigar or raid your grandma’s scissors.

But what makes the best cigar lighter? Well first of all functionality, the best cigar lighter must not only light your cigar it must also make sure and take care that it doesn’t ruin the taste of the cigar. Then we must also consider elegance of design as this will elevate your status as a cigar smoker. And of course we must also think of the price.

Taking all this into consideration several websites have created a list of best cigar lighters based on reviews.  Best Cigar Lighters, one of the websites where you can compare reviews, details of the product and prices as well, list Zippo as one of the best lighter in the market today. Particularly, it’s the Zippo Candy Apple Red Pocket Lighter. What is making this lighter rack up good raves is the elegance of its design and its color which reminds people of cherry, don’t lick it though, it doesn’t taste like one. The Zippo also performs well in different conditions and what is really wonderful is that you won’t be able to taste the fuel residue after lighting your cigar with this lighter.

Another cool feature about this cigar lighter is that its glossy finish won’t carry your fingerprint after you touch it with, say sweaty hands or oily hands after you’ve eaten fatty foods so don’t have to worry that you will ruin the best cigar lighter you have just bought. Go ahead and grab one now, this is one lighter you want to keep.

Vincent owns a network of stores. The inspiration for this article came from a store called the Best Cigar Lighter.

Looking ahead to 2010! December 31, 2009

December 31, 2009 Posted by admin

Being Street Smart

Sy Harding

Looking ahead to 2010! December 31, 2009.

In last week’s column I discussed academic studies that confirm the remarkable consistency of the market’s annual seasonal pattern, how with few exceptions markets in the majority of countries tend to make most of their gains in the winter months, and experience most of their serious corrections and bear market declines between May and November.

I cautioned that because 2009 was one of the rare years when those seasonal patterns did not appear, investors should not be lulled into a false sense of security, that they may be surprised how aggressively the seasonal pattern bounces back in 2010.

There is another historical pattern that also has to be considered for next year. I remind you of it every four years. It’s the Four-Year Presidential Cycle.

The history of the Presidential Cycle is that the economy and stock market tend to have problems in the first two years of each new president’s term, and then recover and be robust over the last two years of the term.

Studies show the reason for that pattern is that each new Administration realizes the economy and stock market must be strong when the next election time rolls around if they are to be re-elected. So they pull out all the stops to stimulate the economy to make sure that happens. However, all that excessive priming of the pump usually has the economy overheated, and the stock market overbought and overpriced, by the time the next election takes place.

Those excesses then need to be corrected, the corrections taking place in the first two years of the next term. Then stimulus efforts begin again to make sure the economy and stock market are strong again for the following election.

The cycle has a very consistent pattern. For instance, almost all bear markets have taken place in the first two years of the presidential cycle, and almost all recoveries have been underway in the last two years of the cycle.

The pattern is not consistent when a president is in his second term, perhaps because he cannot be re-elected. For instance, the pattern was clearly evident in Reagan’s, Clinton’s, and Bush Jr’s first terms. But normal corrections were not allowed to take place in the first two years of their second terms, the economy and market just kept on going. That allowed the excesses to become more serious. So the 1987 crash took place in the third year of Reagan’s second term, the 2000-2002 bear market began in the fourth year of Clinton’s second term, and the recent 2007-2009 bear market began in the fourth year of Bush’s second term.

However, although the problems started a year earlier for the next president in those instances, in the final year of the previous administration, the corrections (a crash and two severe bear markets) were so severe that it still took until the 3rd year of the next president’s term to see recovery clearly underway.

So what does that mean for next year, when we have a president in his first term, and next year will be the second year in this presidential cycle?

There will still be economic problems, in the real estate sector when the program of big tax rebates to home buyers expires in the spring, in the financial sector as commercial loan defaults continue to spike, in consumer spending (75% of the economy) as consumers remain hunkered down under high debt levels and high unemployment. No one expects any more than tepid economic growth next year. There may even be a dip back into recession for a quarter or two. Of the seven recessions since 1957, five had W bottoms rather than V bottoms. That is, they experienced one or two positive quarters and then dropped back into recession for one or two quarters.

So between annual seasonality patterns probably returning, and economic problems not having gone completely away, and next year being the 2nd year of the presidential cycle, we can expect problems sometime during the year for the stock market.

However, there is something else – a big positive.

The most consistent market pattern we have ever encountered is that since at least 1918 there has been a substantial rally from the low in the second year of every Presidential term to the high the following year. That is so whether it was a president’s first or second term. Even the conservative Dow gained an average of 50% in those rallies.

It has taken place no matter which political party was in office, in periods of war or peace, high or low interest rates, high or low inflation, high or low budget deficits, or whatever.

In fact the market makes most of its long-term gains in the period from the low in the second year of the presidential cycle through the following election year. It’s a period when you would not want to be out of the market, a period when even buy and hold investing is at its best.

The problem is in getting safely to that low. Historically, it has more often taken place in the fall, but over the years every month has had a turn or two in producing the low, even January.

So, it is highly likely there will be an important time next year to take profits and stand aside, to avoid the large losses that have taken place within each year recently. But also a time to buy with both hands, to even use margin and leverage. But it will be tricky to identify those key turning points. The problem is not made easier by the fact that each of the last two years experienced serious downturns right out of the gate, beginning just a few days into January.

For that reason, although our Seasonal Timing Strategy is in its favorable season and subscribers are 100% invested, we have a very close protective stop on its holdings to prevent a loss of any size, while our Market-Timing Strategy portfolio is still on a buy signal, but now only cautiously invested in diversified holdings at least until we have the data for the first few days of the new year.

Sy Harding is editor of www.StreetSmartReport.com, and the free daily market blog, www.streetsmartpost.com.

Sy Harding is CEO of Asset Management Research Corp., author of 1999′s Riding the Bear and 2007′s Beat the Market the Easy Way, editor of www.StreetSmartReport.com, and www.SyHardingblog.com.

Article Source:http://www.articlesbase.com/investing-articles/looking-ahead-to-2010-december-31-2009-1650451.html