Practical skills for digital nomads, travelers and others

Practical tips for digital nomads, travelers and everyone else! A series of (sometimes hard-won) courses of travel in Asia.

Lean economy

is a common challenge for digital nomads. Lifestyle itself requires travel, rental accommodation, restaurant dining, etc.; although it must maintain normal business practices, including mobile electronic devices, Internet subscriptions, rental office space, printouts, copy and fax services, mailing, SIM cards, data backup, customers Services, company accounting and auditing, company management, tax reporting; maintenance of company records, contracts and agreements; etc…

Digital nomadic life is often shipped out in low-cost countries, so accommodation may not be a problem. Local travel is mostly cheap, but international travel and the necessary electronics, not to mention the promise of going home, still bear the same huge price tag. In addition, digital nomads often perform remote services and work much less often than doing the same job home.

However, quoted Tony Robbins: "The determinant of success is by no means a resource; its wit"

Cheap travel

There are dozens of cheap flights to the site, I found these prices to be different. Please note that many budget airlines only sell tickets on their websites. For the resource-rich Digital Nomad, the key to cheap flights is the flexibility of the timetable. It is easy to enjoy a big tourist holiday – although in a strange country, understanding a big tourist holiday can be a challenge.

Try changing your departure date around a few days, and you may find that the same (or similar) flight has dropped significantly. If possible, try a different airport to depart or arrive; it may be cheaper – and an interesting adventure – for example, to a smaller town, take a local bus or train to your final destination.

On the other hand… must consider the end-to-end cost. A cheap flight forces you to pay extra hotel accommodation near the airport (which may also be expensive in low-cost countries) may be worse than paying extra fees for more convenient scheduled flights. Also assess the risk of delay and your sensitivity to this situation! An important delivery and complex trip with lots of legs and tight or insecure connections may not be a good combination. Anyway, this is an interesting adventure, but there may be additional missed delivery and dissatisfaction (front) customers.

For hotel reservations, I always use expedia.com, they seem to offer the best price and their review system to find the right accommodation at a reasonable price. But be sure to check if there are a lot of comments.

Lightweight packaging

This is obvious, but it is still worth mentioning. There are very few items that you really need to carry. After completing the packaging – lose half of the things! Tony Robbins said again: "…is never a resource; it's wit." So throw away the things in your backpack and fill yourself with wit! You are all ready!

Private bills

There is a tendency to pop up when it is most unexpected! Despite careful planning and “considering everything”, annual payments suddenly appeared. Arrange to forward mail to trusted friends or relatives, and sometimes deposit an amount with them to cover unexpected expenses. It's much easier than when you accidentally need an emergency international remittance in a forgotten corner of the jungle.

Insurance: medical, travel, lost/stolen property, etc.

This is obviously not the most interesting part of planning your digital nomadic career, but it is worth mentioning. What if you are sick? What if a fatal accident occurs? What if you lose all your debt, including passports, money, credit cards, laptops, etc? Not very exciting things to consider; but if it happens illegally, insurance will be better.

Retirement

is worth considering. After all, life is short-lived… The digital nomads have not benefited from the terms of the employer’s pension fund – it all depends on the digital nomadic initiative. Private savings or any other suitable way of creating assets can generate enough recurring income when needed.



Source by Tomas Tilver

British Columbia is a destination for pastry shops

Whether you're missing out on the big question, enjoying a honeymoon, celebrating an anniversary, looking for a romantic getaway or planning an unforgettable date, this province has numerous places for intimate memories. Here are some of Cupid's favorite and unique solutions …

BC's international academic wine industry is located in the cradle of the hilly highland side of Okanagan where the acres and acres of hilly hills are produced producing some of the finest grapes in North America. Whether you were staying in Vernon, Winfrey, Oyama, Kelowna, West Bank, Peccheland, Summerland, Penticton, Naramata, Oliver or Osoyoos, you have an unpleasant wine tour. For the free heart, most visitor centers carry maps and brochures to facilitate tours with individual focus. But for those who want to experience more, organized tours are available at very discounted rates. Okanagan Wine Country Tours brings you the magic of over 60 awards from small-scale wineries to large-scale international operations. Most of these tours include lunch or dinner and, of course, a liberal sample of the love Okaganan produces. But for something really memorable, experience the tour with a flying plane that runs from Lake Okanagan in Kelowna and follows lakes and mountains to the southern end of the valley to Lake Osoyoos. From there, enjoy the vineyards as your luxury vehicle moves back to Kelowna. This area has a full calendar of wine festivals. Thousands of complacent phenomena come from all over the world to enjoy the 10-day wine festival, the Icewine festival in January, the spring wine festival in May and the summer wine festival in August. Happy tasting!

Whistler is romantic enough, with a simple mountain and an incredible dining room. But if you're looking to fire it, Canadian Snowmobile Adventures offers a summer package that transports Jeep or ATV up Blackcomb Mountain to the legendary Crystal Hut, where you will experience the world-famous salmon mug, Cadher cedar cedar wood, Caesar salad, seasonal vegetables in balsamic vinaigrette, roasted potatoes, candied carrots, fresh bru …

In winter take a snowmobile or snow cat to enjoy the same breathtaking view, but this time for a rich and hearty face festival. Are you in love in an early backpack? Experience the excitement of the waffles in the same incredible setting. Whistler's favorite activity is a Château Chalet's "Sleigh Ride & Fondue Dinner" dinner, which includes a 30-minute Clydesdale-Percheron sled or a dog tour, followed by a 3-course fondue dinner including Chinois Fondue and Veal Fillet , and salmon and hot apple string.

For the unobtrusive beauty of West Coast, Mystic Beach in the provincial park Juan de Fuca offers some of the most romantic shores of the Pacific Ocean. A 2-kilometer walk through lush rain forests leads to a long, isolated sandy beach. Feel the salt stream when the waves collapse on the shore. Explore the numerous sand caves. Discover hidden waterfalls. Enjoy the incredible wildlife and stunning mountain views. And if a walk on the beach does not cut it, Mystic Beach is part of the Juan de Fukua Marine Trail, which is 47 kilometers from the desert that runs from the Chinese coast to the Botanical Beach. Strap for hiking boots!

Victoria's old-fashioned capital offers many romantic activities and settings, including the excursions offered by the Tally-Ho Carriage Tours. With various excursions going out of the city center, you can enjoy the cultural districts, the Chinatown district, the city parks and the Juan de Fouca Strait. Using the Pershers, Belgians and Clydsdall, these laps and gentle boys that make them possible are held for the greater part of the year, allowing time. With a personalized walk-out service and a warm leather blanket for evening tours, this unique date should not be missed! A factor in the incredible assortment of Victoria's sophisticated restaurants and perhaps just the night of his life …

Through the Strait of Georgia, the Vancouver metropolis offers many unique attractions. And because it enjoys a temperate climate, quite different from the rest of Canada, an outdoor event culture flourishes in and around the city. Theater Under the Stars is a will for this. A favorite Vancouver summer tradition for decades, this professional company performs magnificent exhibitions at Stanley Park on the open Malkin Bowl forever. Usually they move in tandem, showing alternatives to night time, allowing time. Recent performances included Grease, Oklahoma !, Annie Get Your Gun and Jesus Christ Superstar. In a more traditional spirit, Bard on the beach Shakespeare Festival in Vannie Park has been performing Shakespeare's el fresco for two decades. Two tanks for shows provide almost 800 seats for The Bard fans from June to September. The Mainstage Tent has an open end, offering magnificent mountain views, while Douglas Campbell's tent features some of Bard's smaller games in nontraditional rods. She said she loved the scene … to show her something completely different!

Located just above the water of Vancouver Island on Hornby Island. Unique in this trip is that there is a ferry from Nanajo to Denman Island and then another ferry from Denman to Hornby, this magically small island has a certain isolation that has created a community different from any other. The municipal forestry shop has the rural, organic charm of a hippie horse – and indeed, for all intents and purposes, the island is exactly the same. But these are the beaches that make Horby Island special. Protected in the tranquil waters of Georgia, Tribune Bay has soft rocks, caves, splendid warm water and, of course, acre sand. A small but mountainous island, Hornby has many cycling and hiking trails if your specific romance idea includes a good workout.

Imagine enjoying some of these amazing, intimate activities in British Columbia with your own private holiday homes to enjoy the rest of the night. The candles are illuminated and the Jacuzzi is ready …

You will close the blinds and leave you alone now.



Source by Eric R Hughes

Mexico Travel Auto Insurance – Tips on how to buy insurance for Mexico

Congratulations – You are starting an exciting trip to Mexico. You have your vehicle adjustments and all the equipment, now it's time to buy your Mexican travel car insurance. Your Mexican auto insurance coverage decision may be the most important decision you make, but unfortunately this is often one of the most hasty and least research decisions made by many Mexican travelers. Don't be fooled into thinking that all Mexican insurance is the same, because the difference in coverage and benefits may vary greatly between Mexican insurance companies. Although research coverage is not very exciting for most people, this article will show you that if you actually need to use Mexican insurance, 5 to 10 minutes of Internet research can save you thousands of dollars and many people. Depressed time. Pay a loss.

Using Internet Quotation and Buying Mexican Travel Auto Insurance

The vast majority of Mexican auto insurance is now purchased directly from the Internet. There are many websites that sell Mexican insurance, and buying insurance from the Internet makes sense to customers. Would you rather wait until the last minute to buy insurance at the border, or would you like to purchase insurance from your own computer before departing for Mexico? Most customers prefer to take care of their insurance in advance.

The best website to buy Mexican insurance is to provide insurance for several Mexican insurance companies. This allows you to compare purchases through one website instead of filling out multiple quotations on multiple websites. A good Mexican insurance website and a comparative insurance evaluator will save you a lot of time and confusion.

Which websites can be trusted?

Before you get your insurance quote, be sure to find a valid insurance license and contact information. In addition, you may wish to find the "Remaining Line Broker" license number. The Surplus Broker is an insurance broker who has direct contracts with Mexican insurance companies and is licensed to sell foreign insurance in the United States. A surplus broker license is a good sign that the site is operated by a company that specializes in Mexican insurance. If the insurance license is not a surplus line broker license, this means that the website is likely to be operated by an insurance agent sold through a surplus line broker. This does not mean that the products on the site are invalid, but you may not be able to obtain the same level of customer service as a surplus broker that is fully focused on Mexican insurance. You may also want to find a better business listing and some kind of Internet security approval, such as Hacker Safe or McAfee Secure, to ensure that your information is secure in your online transactions.

Looking for Mexican insurance [19659003] Once you have chosen the website that sells Mexican travel auto insurance, you will fill out the fast insurance quotation form. Within a minute, you should be able to get a definitive quote and start the benefits of the insurance products offered by the institute. Keep in mind that if you use a website that offers multiple competing insurers under a quotation system (comparative quotation evaluators), this will be a much faster and streamlined process.

Looking for a chart below or above the insurance price, clearly explaining exactly what the insurance limit in Mexico is and what it actually covers. In this chart, you will need to view the following categories:

Deductible: The best Mexican insurance policy will provide a fixed deductible, which means that regardless of the value of your vehicle, the deductible will be Locked in the set amount is. Some of the cheaper policies will deduct the deductible based on a certain percentage of the vehicle's value. If the value of the vehicle is less than $20,000, the percentage-based deductible may be good, but when the vehicle value rises in the range of $30,000 or higher, the percentage-based deductible may be very high. If the site does not explicitly list the deductible, you should not use the site!

US hourly labor rate for US or Canadian maintenance: In the past, most Mexican auto insurance companies tried to get customers to repair their vehicles in Mexico. For Mexican insurance companies, repairs in Mexico, not the United States, are usually much cheaper, and many customers are reluctant to park their cars in Mexico, so the company has not paid for these claims. Today, many better Mexican insurance plans allow you to repair your vehicle in the US or Canada if you wish. The problem is that some of the cheaper Mexican insurance plans pay only a limited hour of labor to repair the US (some as low as $20 an hour). This means that the customer must pay the difference in hourly wages from the pocket. The best Mexican insurance plan will pay a very high US labor rate, such as $70 per hour, or that they will pay the current US hourly labor rate. If a claim occurs, these policies can greatly reduce your out-of-pocket expenses. If the Mexican insurance website does not state whether it is allowed to be repaired in the United States or the labor rate per hour, please do not use this website to purchase Mexican insurance!

Intentional vandalism and partial theft insurance: Intentional vandalism and partial theft (meaning that only some cars are stolen, such as tires, door panels, etc.) are generally not covered by standard Mexican auto insurance. In the past few years, higher quality Mexican insurance plans have begun to offer this type of insurance in their enhanced coverage plans. If you want to protect yourself from as much damage as possible, you should look for this insurance.

Limitation of Liability: This is part of a Mexican policy to cover your losses to third parties. This insurance is essential when traveling in Mexico. Most people in the industry believe that liability insurance worth $50,000 may be the minimum you should consider. Some of the best Mexican insurance plans will reach a single limit of $300,000 (one-time property damage or personal injury compensation), but it will also increase insurance premiums. Some customers want to use these higher limits with their US umbrella liability policy. You may want to ask your US insurance company whether your insurance coverage will recognize your Mexican auto insurance as the primary coverage.

Medical Payment: This is the portion of the Mexican insurance policy that pays for your medical expenses. Your passenger (the person inside your car). At $2,000 per person, a total of $10,000 per incident is the minimum you should consider, but many policies will provide even higher limits. If you are hit by a secured uninsured driver, some better policies will increase this amount. You may need to consult your US or Canadian health insurance provider to ensure they are able to pay for the medical expenses incurred during your trip to Mexico. If not, you may also want to study an international health insurance plan – but this is a different topic.

Legal Services: Make sure your Mexican insurance includes legal services or legal aid. This insurance will cover any court fees, attorneys' fees or bail payments caused by a traffic accident in Mexico. The service will also send a legal representative to hold hands through any legal process. This kind of insurance is absolutely necessary, so don't buy any Mexican auto insurance that doesn't include this insurance!

Road Assistance: Most of the better Mexican insurance companies will include a certain degree of road assistance, including trailer fees, flat tires, locksmiths and other services. This is a good report, so make sure this is included in your Mexican insurance policy.

Medical evacuation: As the Mexican insurance market becomes more competitive, many Mexican operators are now bundled with additional special insurance to make their products stand out. This is incredible value and convenience when your Mexican auto insurance automatically includes medical evacuations. In the event of a “severe illness or injury,” this insurance will coordinate and pay for air or land ambulance services. This means a life-threatening or very serious illness or injury. Buying a medical evacuation plan yourself usually costs hundreds of dollars a year, and there are usually many restrictions. A premium Mexican auto insurance plan bundled with medical evacuation insurance will automatically cover multiple people in your tour group and can accommodate up to four or more people. Make sure to find the number of people covered by medical evacuation. If the number of people covered is not listed in the insurance quote details, it can be assumed that the medical evacuation may only cover the driver. Other sites do have sites that specifically cover 4 or more people in the tour group, so it's highly recommended that you look for sites that offer a wider range of medical evacuation services.

Airfare Ticket Home: Many other great benefits. A better Mexican insurance website offers tickets that go home if your car is stolen or unable to drive. This can save you thousands of dollars and alleviate the need to coordinate the nightmare of returning home from Mexico. If you offer this offer, be sure to check the number of people who will provide the airline ticket for this policy. If the ticket to go home is not listed, or if the site does not specify the number of people covered, you should check other sites. Some websites do offer insurance for four or more people for your tour.

If you have any questions, please call the website customer service phone for assistance

A reputable Mexican insurance website will encourage you to call its customer service department if you have questions about Mexican insurance. If no one answers the call, or if you don't call back within a few minutes (normal business hours), you may not want to buy insurance from the site! Most Mexican insurance websites are like ATM machines. If you want to write your own policy, the website is for your convenience, but you are also welcome to call the website customer service insurance agent and ask the agent to write a policy for you by phone.

If you check each of these insurance and website features to purchase Mexican auto insurance on the Internet, be sure to purchase the best insurance for your situation. If you need to file a Mexican insurance claim, a five to ten minute study can save you thousands of dollars and hours (if not weeks) of headaches. Be safe and have fun in Mexico!



Source by Jeff Nordahl

Top holiday destinations in Africa

Africa has so many tourist destinations. The size and diversity of the continent are so great that it is very difficult to choose ideal places to visit. If you really want to have a unique, authentic and memorable holiday, the next most remarkable attractions will have to see.

There are falls that lie between Zimbabwe and Zambia. These falls are part of the Mosi-Oa-Tunya National Park and Victoria Falls National Park. Victoria Falls in Zimbabwe is one of the seven natural wonders of the world. The waterfall Victoria is about 1.7 kilometers wide and 355 meters tall. Over 500 million liters of water run out of the Zambezi River during the wet season, generating a white spray that shoots about 1,000 feet in the sky. The sound of the waterfalls and the white spray can be seen 30 miles away. The best time to see the spectacular waterfall is during the rainy season from March to May.

You should also include Masai Mara National Park in Kenya and Serengeti National Park in Tanzania during your vacation. The spectacular annual migration in these two parks is one of the greatest experiences you will ever meet in your life. Every year over one million people are seen in this park. The vegetation of the lawns over the plains offers enough food for herbivores, and is also the perfect place to hide the big five (lion, elephant, rhinoceros, leopard and buffalo). One of the benefits of Masai Mara Park is that you have the right to go outside the path as you follow the existing paths. This will allow you to have a good wildlife and photography session. However, if you want a place for isolation, this place will not be comfortable because it is very popular and always overloaded.

Another African vacation destination is the Kruger National Park in South Africa. This park has the largest number of wild species in comparison to all other parks in Africa. Many bird species have been recorded in this park. Covering hundreds of hectares, this park has a different ecosystem. Accommodation and infrastructure is superb, which is a great advantage especially for families with young children. Custom drives are also resolved by reducing costs and maximizing your privacy.

Another top holiday destination in Africa is the Pyramids of Giza in Egypt. Built more than 5000 years ago, the Pyramids of Giza are the world's oldest tourist attraction. They are also the last surviving member of the Seven Wonders of the World. There are three pyramids in Giza, namely "Mencaura" (the smallest of all), "Hufu" and "Khafre". These pyramids were used as tombs for the royal kings and mummies of ancient Egypt. The Great Sphinx (father of terror) is in front of the pyramids and is another tourist attraction. This structure is bent by a block of stone and most surprisingly, it has the head of a man and the body of a lioness.



Source by Jackline Mwathe

What is the ice rink, ski center, and snowmobile rental insurance?

The definition of winter is its ice, snow, sleet and cold.

If you think that everyone hates the four elements of winter, then think again. Many people like outdoor activities in winter and are enchanted by sports activities with the theme of winter elements. Despite this, companies that offer winter sporting goods facilities do face high risks – this is a wide range of commercial liability insurance for insurance industry preparation.

Below are three general winter seasons – and the corresponding necessary insurance coverage.

1. Skating center coverage
Whether it is an ice rink or an ice rink, the risk is high. The reason, of course, is that the likelihood of injury to sports participants and spectators is increasing – as well as the property hazards associated with large open spaces and associated equipment maintenance.

Related commercial insurance is available from many major players.

2. Ski Commercial Insurance
Skiing-related activities are the most dangerous from all colder months of exercise. While everyone believes that snowboarding has primary responsibility for his or her personal safety, the court has always made decisions about commercial organizations that offer sports opportunities. This is especially true for tilt and footpath management – as well as ramping up safety.

There are also ski operations ' the following responsibilities:

• The responsibility of the hotel, retail stores and restaurants owned and managed by the ski business
• Ski patrol and trainer's workers' liability
• Ski repair work within restaurant cooking and property liability concessions

3. Commercial, rental snowmobile coverage
It is well known that people engaged in leisure snowmobile rental will benefit from it. These include winter resort owners and snowmobile dealers, as well as trail operators in the colder states of the United States. The relevant policies cover related responsibilities and physical damage. Most insurance companies require these companies to order an unreserved, harmless agreement to ensure that the tenant agreement is responsible for any passenger or snowmobile operator.

Today's popularity in snowmobile competitions, Derby, hunting and rally is the reason why Snowmobile Club sponsors these events. The plan covers the club's responsibilities to sports observers and entrants.

This insurance can also be obtained by:

• Commercial entity using snowmobiles
• Government agencies using snowmobiles
• Snowmobile taxiing service



Source by M Wyzanski

Tips for getting the best deals on car title loans

Autonomy loans are designed to address emergency financial difficulties. You can apply for a car ownership loan online or at the physical office of the lender. The steps to apply for a car ownership loan are usually simple, but you must be aware of some of the tips that guide you.

#1: Background check on automatic title loan company compensation

Before deciding to choose a car ownership loan company, please make sure to check their reputation. How long have they been? What do people say to them? Do they have a physical office? All of these are important questions to ask.

Another thing you need to consider before applying for pink lending is whether the loan company has a license to operate in your state or province. If you do not have a license to issue a title loan in your state, you will not be able to get a loan from the lender. Some car equity lending companies may only be eligible to operate in certain states, so be sure to check your state's eligibility before applying. Certain regulations vary from state to state and determine the requirements for company registration.

#2: Find out the available payment methods

It is important to understand how the loan company intends to collect your loan repayments. Do they plan to pay by direct payment or from your salary? You also need to know fairly how long your loan will last. Just like other types of loans, the longer you need to repay the loan, the lower the amount you must pay each month.

However, the downside in this regard is that you will pay more for each month through financial expenses. It is in your best interest to ensure that your loan is outstanding in a short period of time.

#3: Know if they charge a prepayment penalty

from the date your car ownership loan is issued, your interest begins to be calculated. Since you don't want interest costs to continue to increase, you need to pay off your loan before the due date to save money. However, this is possible if the loan company does not charge you a prepayment penalty. You must ensure that your lender will not punish you for making an advance payment until you agree to sign your loan.

#4: Checking the car title loan application and approval process

The procedure varies from lender to lender. Some lenders will allow their ownership loan application and approval process to be completed completely online, just like the California car title loan. Others may need to verify more by calling you or asking you to access any of their physical branches and the required documentation and your car for further verification.

#5: Check the kind of car your lender accepts

Some lenders will accept cars from 2000 to the same year, while others will still accept cars that were produced as early as 1995. You also need to know the mileage limits of the loan company.

#6: Make sure you can continue driving

During the application process, make sure your lender can let you keep your car. Some lenders will ask your vehicle to be owned by you until you can repay the loan. Although this practice has been greatly reduced, you still need to verify.

Car title loans may be the best choice for most people facing financial problems. This will be very helpful when you are ready and knowing what you are doing before applying for a title loan.



Source by Daniel Joelson

How to find the best insurance agent

When you need insurance, you should seek a suitable policy from your insurance agent. You may not know some of the strategies available. While you may think that your traditional insurance will cover everything, you may be surprised to find out where traditional homeowners, rentals, medical care and car coverage are inadequate.

Different types of insurance

If you are certain that you need any insurance in these supplementary options, you should consult your insurance agent to find out if they provide the relevant insurance. Not all underwriters provide these policies. You may have to obtain these supplements from other agencies.

If you have a dog, you may want to buy a dog bite or a "pet liability" program. Although you may think that your four-legged friend will never hurt anyone, it is always possible. According to the Insurance Information Institute, half of all incidents occurred on the property of the owner. Although the homeowner's responsibilities may include medical expenses, complications may occur, such as when an accident occurs outside the home. There is a specific dog bite policy that will handle any unforeseen problems.

People living in coastal areas will want to get flood insurance. This will protect your items from the damage of the flood. What most homeowners don't realize is that traditional homeowners' plans don't include this damage. That's why it's important to buy these policies separately.

Burial Insurance provides funds for your surviving family members to cover your funeral and burial costs. The cost is nominal, only a few dollars per week or month. This policy is usually not sold through traditional insurance institutions. You will have to go to the broker or buy from the funeral home.

The Personal Electronics Policy gives you more protection than the standard homeowner program. Traditional plans do not include damage caused by installation errors. These programs provide repair or replacement of electronic devices such as computers, stereos and televisions.

If you have valuables such as jewelry or high-end electronics, you want to get supplementary insurance. Although your homeowner plans to cover some items in the event of a fire or theft, it does not cover everything.

Some companies provide short-term disability for their full-time employees. However, if your company is not one of these groups, you should consider increasing your short-term disability. The medical plan will help pay for doctors and hospital bills, but if you have to miss a job, it won't help pay for a normal monthly bill. Although not all short-term disability plans are the same, you should check to make sure you are not behind your bill.

You need to research and understand the different types of insurance available. If you are not sure, an insurance agent can help you find the information you need.



Source by Aaliyah Arthur

The ultimate travel guide for the first trip

As popular as air travel today, there are still many people in the world who have not traveled by air before. This seems strange to those who are spinning around in travel, but this is a fact we all need to accept. But if you are one of those who don't have the opportunity to travel by plane, don't worry – there is nothing that can make you feel embarrassed and not alone. If you are planning to go there to experience air travel, this article is the only article you need to read to get the time in your life!

1. Pre-trip research:

Since you don't have much experience with the ticket method, please make sure you do a lot of research. Ask your friends about their travel experiences, browse the internet and try to make yourself a great travel agent. Because travel is much bigger than you think, and there are many small details to consider before you travel.

2. Create a budget:

This is the most important thing you need to do to make your trip a success. When you set the amount you are willing to spend on travel or vacation, make sure you have enough buffers for the amount you allocate. This means that you should consider the emergency when planning your budget and calculate the maximum value you are willing to spend on something. This will ensure that your expenses are ultimately lower than you expected.

3. Getting Vaccination:

Many people are usually vaccinated on international travel, but it is equally important that you do the same for country travel. In this way, you can avoid any unnecessary and unnecessary illness while traveling. Think about it and pre-vaccinate to avoid the trouble of getting sick.

4. Avoid motion sickness:

If you are a person who is prone to motion sickness or other similar problems while traveling on the road, it is likely to be affected when you travel by air. Therefore, as a precaution, be sure to take antiemetics before starting travel to avoid discomfort.

5. Keep things important:

You need to always need your passport and ticket, you need to put it in a place where you can take it out at any time and where it will not be lost. Also make sure you carry some extra cash with you (take it with you). In case you lose your things, you will not have problems.

Even the most experienced traveler is hard to travel. If you are the first traveler then you may not know what you are doing. So remember the things mentioned above and your travel experience will be great. Make your first trip the best!



Source by Abuzar Mir

Errors to be avoided in making the best Medicare Advantage plan

It was a heartbreaking meeting … sitting with a couple on their kitchen table, tears flowing both. He was very sick, he was quickly weakened by digestive problems and his constant migraine headache was so painful that the end of his life seemed the only way to live without pain. To say that they are afraid will be understatement. Physicians associated with his Medicare Medication Part C (Medicare Part C) plan can not diagnose the problem. They have prescribed more drugs, which complicates their problems. Above his medical puzzle, the plan denied medical tests that may have diagnosed him exclusively with the problem. October 2011 and through their tears painfully asked, "What are our options?"

In this case, together, we decided that it was in his best interest to move to a Medicare Plan (MediGap) that would allow him to go to any doctor or institution that received Medicare, along with "Stand alone Part D Drug Recipe Plan ". It is important that he can look for the best of the best, anywhere in the country. We chose a "plan for additional payments" with a carrier that would allow him to move between a lower and higher cost plan without providing insurance (if he decides in the future to keep the supplement plan after his current medical jigsaw puzzle) . Could he have avoided this problem first? Here are some mistakes I've seen along with the solutions to help you choose the right option for you:

MISTAKE # 1: Who do you work with?

* Work with a "retirement agent" (direct employment with the carrier, multiple compensation from W2, responsibilities and / or bonuses) or work with an "independent career agent" (1099 contractors with the carrier and wired). The last term is very confusing for me. They are classified as independent, but if they make an application with another carrier as this was the right for the beneficiary, their contract may be terminated. What incentive agent should be non-partial if it loses its leading source?

** Another mistake is working with an agent who is not certified to market all Medicare health plans. They can only release "some" MediGap plans complete plans without certification.

*** You go directly to the insurance carrier. If something goes away, it will be useful to have an advocate on your part, especially one that you can see and live in your community. DECISION No. 1:

* Choose an independent insurance agent representing more than one insurance carrier. Why? As independent agents will know the pros and cons of all plans and will be able to pass on this information so that you can make an EDUCATED choice. They receive compensation from insurance carriers, but they have no loyalty to a particular company. Also watch out for carriers that force their "independent agents" to sign an exclusive rights agreement. I saw this happening with "Double Perceptible Plans" (Medicaid / Medicare Plans). Again, how can the agent not be partial & if they are contractually obliged to offer only one plan?

** Select Medicare Insurance Certified Medicare, who is able to market Part B, Part D, and MediGap Plans. They have additional training and supervision.

*** When you go directly to the carrier, you eliminate a valuable person who will fix the problems, if any, while providing you with extra peace of mind in the process. MISTAKE # 2: Select a Medicare Benefit Plan that requires you to obtain the approval of the insurance company before conducting a procedure / test.

DECISION No 2: When comparing plans, go to the "Summary of Advantages". All carriers must post these and they should be the same and easy to compare. ERROR # 3: Not paying attention to "the maximum from the pocket" (MOP). All Medicare Advantage plans have a MOOP, and many agents glare over it by helping you choose your plan. However, if a catastrophic medical problem arises (cancer, organ transplantation, long-term residence at a qualified medical center, etc.), there is a good chance to hit MOOP to make sure it is as low as possible, Cause: Chemotherapy and anti-rejection medications are considered part B outpatients that are not part of D & prescription drugs, and many planners pay only 80% of Part B drugs. Therefore, you will be on the 20% hook and they are very dear. DECREE # 3: Compare, compare, compare and select a bottom MOOP plan. ERROR # 4: Choosing a plan just because the medicine it pays is a little lower. Far fewer insurance companies will lure you with their very low co-pay plan on their medication form but have a smaller network of doctors / facilities to choose from. The problem is that if a medical problem arises, you may be locked in the smaller network of doctors / institutions until Medicare's annual discovery. SOLUTION # 4: If you have problems with paying for prescription drug and your income / assets are low enough, you may be entitled to additional social security assistance. A good insurance agent will bring you this and will guide you, or go to https://secure.ssa.gov/i1020/start. With the help of mediation you can choose the best plan based on other options (size of their network, authorization rules, doctor / facility convenience, additional additional benefits, etc.)

ERROR № 5: Choosing a plan because you want a PPP plan rather than an HMO. Decision # 5: Many people are under the misconception that with a CVT plan they can go to any physician / facility they choose. In fact, PPP plans still have a network of physicians / facilities where you have to stay to get lower costs. The biggest difference between PPO and HMO is with PPO, you will not need to receive a "referral" to see a specialist. You should receive a referral with HMO. In order to be able to select WHAT IS A TITLE / facility in the country that receives Medicare, you should consider a Medicare Supplement plan (MediGap).

I saw most of the mistakes and solutions when it comes to choosing Medicare Advantage Health Plans. Outside of California, there are additional varieties of plans and may be additional challenges.

What happened to my client? As I keep in touch with my clients, in June I was pleased to hear him speak out the splendid news. With the same test that was rejected by his previous plan for medication, two doctors from a large medical group in Los Angeles have identified the problem. It slowly ran out of the spinal fluid and was dangerously close to no one remaining. With a quick ambulatory procedure, they mainly laser-bond the flowing area, replace their spinal fluid, and they are healthier, happier and better than ever! Since he is already well, we will review his coverage during Medicare's Annual Medicare Outbreak (October 15 – December 7, 2012) and we will decide whether to keep it on the gadget or switch it to Part C Medicare Advantage Plan .

As an insurance agent for many years, I have stories like this and many others. With compassion, our profession helps you orient yourself in the best options, explain the pros and cons based on our clients & individual needs and tranquility. Plans change every year and your health / financial status may also change, so it's a good habit to make a comparison every year. In conclusion, choose a good, local, independent insurance agent, get trained and stay well informed!



Source by Debbie Hoffman

Green Insurance – nine reasons it makes sense

There are many types of insurance for your home and car, and choosing the right type can be difficult. A fairly new product line now offered is Green Insurance, which takes into account the sustainable characteristics of the family to provide insurance discounts or provide reinvented green insurance in the case of claims. Here are nine important factors that make green insurance your best choice:

  1. It's cheaper! Not only can you get a 5-10% home insurance discount, you can also enjoy car insurance. Your teenage son’s $1,500 a year is just a little less painful. You don't even need to drive a hybrid to get these discounts – just having a green home is enough for some insurance companies to offer discounts on home and car insurance.
  2. It rewards what you have done. If you bought a green home, why not take advantage of discounts on the market?
  3. Your current insurance provider may have provided you with an option. Traveler Insurance, Liberty Mutual, Fireman's Fund, Lexington, etc. provide insurance products for green consumers.
  4. You can buy insurance for your bike. Bicycle Insurance – How much green can you get?
  5. This is not just a gift from an insurance company. The State Regulatory Commission requires a reduction in risk and a reduction in claims for discounts, which means that you are not only attracted to the company's cross-selling promotions.
  6. Do you drive a hybrid car? How about an electric car? Green car insurance (not to mention interest rate discounts for local credit unions) is becoming more common.
  7. Not green but want to be? If you have a house that doesn't have green features, but wants to build green in the future, you can get an insurance policy rider that will rebuild your home green standards in the event of an accident. For example, if you have an older refrigerator and you have a large kitchen fire, you can replace the refrigerator with an ENERGY STAR model instead of a low performance refrigerator.
  8. Concerned about your carbon footprint? Some insurance companies will reward you for reducing emissions by offering additional discounts.
  9. Save money, feel better about your financial choices, and help save the planet once!

Call your insurance company today to ask questions about green insurance. With so many positive factors, this is definitely in your best interest.



Source by James D Gray