Travel Insurance 101 – Annual Vs Single Trip Holiday Insurance

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If youre taking a journey in the near future, chances are youve already been made aware of the value of having appropriate travel cover. It is a necessary purchase to guard against financial loss incurred by delays, cancellation or interruption, lost or damaged property, illness, and accidents – in addition to a host of other real, but often unforeseeable, events. As with any policy, the extent of your coverage, which includes the dates, items, events, and people covered, depends on the policy you purchase – which in turn depends on the company you buy it from. So choose wisely! One of the first decisions you need to make is whether to purchase annual travel or single trip holiday insurance. How do you know which choice is right for you? Here are a few of the advantages and disadvantages of both.

Price

Just as with any purchase, theres a certain economy of scale involved in the business of travel cover. Everyone wants to both save money and get the best deal possible; therefore, it is important to clearly identify what you need from a policy in order to determine whether annual travel or single trip holiday insurance is the right choice for you. Because an annual policy covers several journeys over the course of a year, you end up paying a lower wholesale price compared to what you would pay in total for several. However, if you foresee taking only one holiday over the course of a year, purchasing single trip holiday insurance configured precisely to your needs is definitely the more practical option.

Convenience

Another important factor is convenience. For a person who does a lot of travelling, especially to different locations for business, convenience is of premium importance. Travellers have to contend with tight schedules, paperwork, and hundreds of tiny details that could easily lead to very unpleasant situations if neglected. If you plan several trips over the course of a year and your coverage requirements do not change significantly from trip to trip, opting for an annual plan can save you lot of time and effort with regards to negotiating and paperwork.

Coverage

The final consideration which policy best suits your needs is coverage. An annual policy generally provides the same blanket coverage for multiple journeys, which makes it perfect for those that are somewhat repetitive and mundane in nature, such as business visits to satellite offices in other countries or to visit the folks back home for ex-pats.

However, if you travel for pleasure and visit different places seeking diverse experience each time, a single policy that can be configured to your individual needs may be the right choice. For example, if youre planning a high-octane adventure to the French Alps, you may need hazard insurance if you plan to go skiing or paragliding, which annual plans generally do not cover.

Three Easy Steps To Your Dream Vacation!

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Let’s face it. For many of us, our dream vacation may not quite fit into our financial possibilities. But with persistent determination, diligence and discipline, your dream vacation could be much closer than you may think! Here are 3 easy steps to your dream vacation.

1. Join a Home exchange program. When it comes to a dream vacation, you simply cannot get any better that FREE!! Home exchange programs allow you to swap homes with other home-owners in your dream vacation destination. This means you save on costs of accommodations! There are several excellent home exchange websites that provide great information about swapping homes. We recommend “Travel The Home Exchange Way” and “Know Your Trade” . There is no better way to fast forward to a dream vacation!

2. Put your credit cards to work for you! Just about everyone uses credit cards in one way or the other, so as long as you are going to use one, why not let it work for you? Get a credit card that allows you to accumulate credit-card miles, which you can then use for FREE travel awards, travel upgrades and many other luxuries you may otherwise have to dish out large sums of cash for. So before you make your next charge, find out if your current credit card offers any travel rewards. If not, its time for a switch. There are many credit cards that award airline miles, cruise vacation points or hotel points.

Caution: Do NOT make unnecessary charges on these travel award cards merely to get a free airline ticket! Use the travel reward cards to pay for necessary expenses! The trick is to use the card to make purchases you would have made with cash. Then pay off the card to a zero balance each month. That way, you made a purchase you would have made with cash anyway PLUS are piling up points toward great travel awards.

3. Liquidate unnecessary assets. So now you got free accommodations and a free airline ticket. But what about spending money? Most of us have stuff all around the house that we seldom ( read:never) use. Why not sell it and use that cash as spending money on your dream vacation? You can hold a virtual yard sale by using Craigslist and Ebay to you sell stuff you no longer use or need. Remember, one man’s junk is another man’s treasure.

Follow these three easy steps and you may be enjoying your dream vacation much sooner than you think. It really is as easy as 1-2-3.

Visit The Capital City Of India With Country Vacations Delhi

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Delhi the capital of India; is spread in different directions along the river Yamuna and symbolizes the soul of the country. Delhi is very much famous for its beauty, versatility in culture and existence of various historical monuments. The city earlier known as Indraprastha was founded by the Pandavas in 1500 BC and was situated near the Old Fort. Numerous emperors rules over the city in the ancient era which makes the city richer in culture. The city consist the marks of those emperors as historical monuments and presents the picture of the ruler and culture prevailing at that time. But now in this modern age Delhi is a mixture of traditional and modern culture and includes modern design buildings, lush green gardens and various tourist venues.

Exploring the Delhi with comfortable facilities and services of Country Vacation Delhi can be full of fun, excitement, rejuvenation and luxury. Country Vacation Delhi club is situated at Rose Garden, Charmwood Village, Surajkund Road Faridabad 121009. Earlier the country club was famous with the name of Eros Regency Club and it covers the total land area of 1.27 acres. The country club is 30 km away from Airport and 35 km from New Delhi Railway Station.

Country Vacation Delhi is a part of the biggest group of family clubs called Country Club India Ltd which includes 50 resorts as owned properties and 155 resorts as franchised properties. Country Vacation Delhi is located at the isolated place that keeps the tourist away from the disturbance of the loud and crowded city and presents the relaxing and refreshing facilities for vacations. The country club Delhi presents the exotic services in the banquet section for theme parties and social gatherings including family functions accommodating 500 people at a time.

The Country Vacation Delhi provides luxurious business facility to organize conference meeting to the corporate guests. The country club guest can have the fine dining in gorgeous restaurant where delicious food of all variety ranging from Indian to Mughlai, Italian and so on is served. Huge variety of finest wines and liquors in the bar gives the splendid comfort to the guest. Guests who are more interested in sporty activities can spend their time in the play area of table tennis, lawn tennis, badminton, card room and billiards. The club provides the beautiful swimming pool for the adults along with toddlers pool for kids. Country Vacation Delhi resort provides the facility of uninterrupted power with its generators and power backup units. The club can also accommodate up to 50 vehicles in parking area. The refreshing and relaxing sauna and steam room of club provides the new energy to the guests life.

To add charms to a holiday to Delhi, Country Vacation Delhi makes sure to welcome its guests with full hospitality and pleasure.

Columbias Best Holiday Lights Displays

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Celebrate the holiday season in Columbia, South Carolina by enjoying some of the best light displays in the state. Attend Lights Before Christmas at the zoo, Holiday Lights on the River at Saluda Shoals Park, or Harborside Lights at Lake Carolina. Visitors of all ages will enjoy the seasonal activities.

Lights Before Christmas is one of the signature events at Riverbanks Zoo and Gardens. The zoo grounds sparkle with nearly one million lights and animated holiday displays from November 17-December 30. Enjoy the holiday music and warm up around the Jingle Bell Bonfire. Hot chocolate, marshmallows, and other treats are available for purchase. Children may visit with Santa. The event runs from 6-9 pm nightly, except Thanksgiving, Christmas Eve, and Christmas. Advanced tickets are $8 for adults and $6 for ages 3-12. Prices are $2 more after 5pm at the gate. Riverbanks Zoo is located at 500 Wildlife Parkway, off I-26 at Greystone Blvd.

Holiday Lights on the River is the largest drive through Christmas lights display in the midlands region. Located at Saluda Shoals Park, the light show runs November 21-December 31 from 6-10pm. The two mile driving loop features more than a million dazzling lights and over 400 animated lights displays. Visitors will see a Victorian Village, Old Man Winter, and the 12 Days of Christmas. The Dazzling Dancing Forest comes alive with dancing, lighted trees synchronized to holiday music. Park the car and walk along the Wetland Wonderland Walking Trail or take the Red-Nose Express Hayride for $1. Enjoy the thrilling Winter Wonder Ride on weekends, or nightly from December 14-23. Riders tube downhill on a 125 foot course through a series of lighted arches. This ride is fun for the whole family. Tickets are $2 per slide and tubes are provided. Visit on Nights of Wonder, December 14-23, for 10 nights of special family activities. Make holiday crafts, visit Santa and the gift shop, purchase refreshments, and roast marshmallows. Ride the Saluda Shoals Choo-Choo for $2 per person. Admission to Holiday Lights on the River is $10 per car and $20 for 15-passenger vans. The park is located at 5605 Bush River Road.

The residential community of Lake Carolina hosts their annual Harborside Lights on December 7 from 6-9pm. Visitors may drive through Lake Carolinas beautifully decorated neighborhoods and enjoy thousands of lights and luminaries at the Village Green and Town Center. The family celebration includes musical entertainment, visits with Santa, horse-drawn carriage rides, and holiday treats. The activities also include the Harborside Lights 5K and Fun Run. The Lake Carolina community is located northeast of Columbia at 100 Lake Carolina Blvd. The event is free and open to the public.

Holiday Loans Live Your Dream Holiday

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Dreaming to take an off to your favorite holiday spot but lack of proper finance is dragging your feet back? Why to worry as Holiday Loans have come to help you out in making your dreams come true. Only meant to provide you the financial assistance in catering your holiday dreams, these loans do not let you compromise your needs while choosing your beloved holiday spot.

Good news for all those negative debtors who can not afford to plan a holiday for their favorite destination! Holiday Loans could also be availed by people with bad credit record such as arrears, late payments, CCJs. IVAs, defaults, Bankruptcy, Insolvency etc. Applying for the loans is very easy and convenient as users are just required to fill an online application form fulfilling certain terms and conditions.

The loans are available in both secured and unsecured form. Secured Loans require you to pledge collateral or security deposit. These loans usually have a lower rate of interest for being secured. Unsecured Loans do not require you to mortgage your valuables in order to get the loans sanctioned. Being unsecured, these loans come with a comparatively higher rate of interest. Presence of a range of money lenders in the market has proved very beneficial for the customers as they get a variety of options to choose the best money lending association. The required amount is dropped into your bank account within few hours of getting the loan sanctioned. People can use the sum for a variety of leisure purposes during their holiday tour.

These are generally short term loans that are passed as soon as you apply. Borrowers are required to repay the debt within the due date and if they fail to do so, a late payment fine is imposed on them. When you feel all lost with your monotonous life and want to plan for a holiday to your favorite destination but lack of financial support fades up your dream, then the best resolution is to apply for these amazing loans providing services specially meant for holiday purposes. These advances offer you the financial assistance to cover your all leisure and travel expenses while holidaying.

What Can You Expect From Quality Tour Organizer Regarding Best Holiday Packages In India

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Millions of visitors from overseas arrive in India for tours and travels annually. The reason is that India is a country that offers something for every type of visitors and travelers that are arriving here. Whether it is the exotic beaches with white foaming waves breaking on the shore and golden sandy beaches, the deserts of Gobi and Thor, hill stations like Shimla, Darjeeling, Ooty, thousands of temples and pilgrimages, or the vast arrays of flora and fauna; it has everything for everyone. That is why visitors from across the globe and also inland arrive and move around the country. Many such visitors and travelers also look for holiday packages in India.

Getting Holiday Package in India

Quality traveling organizations will offer good holiday package for its clients.

Such holiday packages could be for tours like North India tour, Rajasthan tour, Golden triangle tours, Indian sea beach tours, pilgrimage packages, or wildlife tours and safaris among others.
It could also be area specific tours like the Kerala tour packages in which the visitors and travelers will have experience of famous Kerala backwaters, tours of various temples and pilgrimages, sea beaches like Kovalam, and cities and ports like Trivandrum and Coachin.
Similarly, there could be Rajasthan tours through the historical palaces and forts; or Karnataka and Tamil Nadu tours or moving through the snowy mountains and hill stations on the foot of the gorgeous Himalayan Ranges.
Some of the domestic holidays packages also revolve round numerous wildlife sanctuaries and natural abode tours and travels.

Requirement of Good Tour Organizer

However, the necessity for travelers and tourists are getting facilities for excellent holiday packages for their visit of the vast sub continent is a good and qualitative tour organizer that will provide them with the best tour facilities and itinerary. Such tour organizer would take care of the following things among others.

Arrangement of adequate accommodation, food, beverages, and facilities for the visitors during their tours and travels in India or those going abroad from here.
Making arrangements for transport and guidance of the tourist or traveler during such tours and travels in India and abroad.
A good tour organization will not only provide all these facilities but will also ensure that the objective of visit of the visitor will be fulfilled best way so that they get full value for their time and money invest for the tours and travels.

High quality and extremely efficient travel organizers like the BPT Yatra does not only offer tour packages for India but also various qualitative albeit affordable overseas tour packages. An example is Singapore Malaysia holiday packages in which they take care of everything from international air ticket booking through accommodation, transport and all other necessities of their clients conveniently.

Srilanka Country Vacations Provides You With An Opportunity To Devour The Beauty

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Srilanka has today emerged as one of the major tourist destinations in South Asia. Not only does the country gain immense popularity owing to its geographical location but it also serves as a hub of varied cultures and traditions. Bearing this strategic vitality of this island country in mind, Country vacations has acquired its first International club in the vicinity of the Srilankan city- Kandy. This venture of country vacations into Srilanka has brought the club a perfect blend of pleasure and pride. Located at Mount Franion Road in Muruthalawa, this part of the Srilanka country vacations stands on a large area of approximately 2 acres. Nestled amongst the woods which bask in the rays of dawn and taste the essence of the twilight, this country vacations club gives you a unique experience and truly turns out to be your gateway to an exotic Srilanka.

The biggest advantage with Srilanka country vacations is the fact that the club is positioned at a very convenient distance from the local means of travel and transportation. Consider a beautiful sight awaiting you merely at a distance of 14 kilometers from the bus stand and the railway station alike! Moreover, the distance of country vacations from the domestic and international airport is just 120 Kilometers! And its not just this, with Srilanka country vacations you get to experience a total state of bliss.

Once in the country, there are a few places which should acquire the status of being a must-visit on your itinerary. Ranging from the temple of Buddha Truth Relic and Elephant orphanage to the magnificent botanical gardens and tea plantations- Srilanka country vacations provides you with an opportunity to devour the beauty and wonder of each place. Additionally, White water rafting at Kitulgala, which is considered to be one of the principal tourist attractions of Srilanka, obtains an all new meaning with Srilanka country vacations.

By gaining country vacations membership, you get to feel and enjoy Srilanka all the more better- its what we call deriving actual delight! A country vacations membership can grant you a license to absolute ecstasy with the nation of Srilanka. Not only can you avail free accommodation for five years (five weeks each year) at the resorts of country vacations, but you can also get the benefits of various other discounts and complimentary stays. Facilities like spas, swimming pools, games gallery, libraries and gymnasiums are just a start- what follows with a country vacations membership is a bundle of adventure and plenty of joy. It is time to pack your bags, register for a country vacations membership and be off to Srilanka!

After all, with Srilanka country vacations, you only have the best at your disposal!

Planning An Aruba Vacation

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What to Know About the Island

A visit to Aruba is unlike anything you have ever experienced before. The pristine water and white sandy beaches leave nothing to be desired. There are many hotels and accommodations to make your stay there simply divine. Before you arrive on the sandy shores, you must do some research when planning an Aruba vacation. If you take the necessary steps to think and plan everything out, your vacation will be that much more enjoyable during your stay there. You will undoubtedly find yourself wanting to return to the island again very soon. In fact, Aruba has the highest rate of return travelers of any other Caribbean island. Find out why everyone wants to go back again and again.

The people who enjoy their experience on the island the most are the ones who take their time to discover the most attractive locations to visit while planning an Aruba vacation. That way, once they arrive on the island, they know where to spend their valuable time and money to make the most of their tropical vacation. You should know that Palm Beach and Eagle Beach are two of the most sought after beaches on the island. They are both a mere 15-minute drive from Oranjestad, the capitol of Aruba. As you plan your trip, make sure you put in ample time for spending time on these two gorgeous beaches.

Taking the weather into account is important when planning an Aruba vacation. Other Caribbean islands get a lot of rainfall every year while Aruba is more arid. The climate is more like a dessert than any other island in the region. This is great news for travelers who can count on little or no rain during their stay. This means you do not need to plan indoor activities specifically for the purpose of getting out of the rain should the weather cease to cooperate because the odds of that happening are very slim.

The enjoyable weather present year-round makes planning an Aruba vacation very easy. There is no off-season time to visit the shores of this Caribbean island because temperatures are basically the same at all times of the year. For a tropical getaway in the middle of the cold winter, Aruba could be the perfect destination. Likewise, if you need something exciting to divide the long summer holiday in half, a vacation to Aruba would be desirable at that time of the year as well.

Mor Vacations Versus Primo Vacations, It Is Your Choice

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A Mor Vacations membership promises to give you an opportunity to travel luxuriously to the best places on earth at unbelievably affordable rates. Mor Vacations is yet another travel club in this regard. However, is Mor Vacations as excellent as Primo Vacations? Which is better: Mor or Primo? To help you in making the comparison, we reviewed both the clubs, and below is the comparison of Mor Vacations versus Primo Vacations.

A Primo Club lifetime membership would cost you almost $700. With this membership, you would be able to select any of the 83,000 vacation resorts and sites that are listed with the club and enjoy more than week long holidays at the selected luxury site at discounts as large as 80 percent. There are not going to be any black out dates, meaning that you would be able to book your holidays at any time of the year even if it is the peak holiday period. However, there will be hot weeks that the club would declare at certain times during the year. If you go for your vacation during these weeks, you would get a better discount than ordinary days.

Though Mor Vacations promises everything that the Primo Club offers, the promises are just that, they are not kept. To begin with, a Mor Vacations Club membership that would offer you the same benefits as the $700 Primo Club Membership will cost you some hundred dollars. There are memberships at lesser prices as well but they would not have many benefits. The number of holiday destinations offered by Mor Vacations is also less than the 83,000 destinations offered by Primo Vacations.

Additionally, though Mor would promise you no blackout days, there would often be times when you will not be able to reach the Club to book your vacations, especially during peak season. At Primo, during peak seasons, the Club would respond to you even though the discounts offered might be slightly lower.

What To Eat During Your Ski Holiday

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Compare for a moment a beach holiday with a ski holiday. The first is all about lying under the sun and doing practically nothing, whereas the latter is taking advantage of as much light as possible by skiing, walking and snowboarding and other activities that require a lot of energy. Besides, a cold environment makes the body burn more calories.

This of course does not mean that we are allowed to forget our good weight loss habits. On the contrary, it is important to be even more careful, because when we get carried away it is easy to forget how to eat properly.

If you are about to leave for your ski resort, for the whole week or just for the weekend, it is important to know how to eat. In this article I will point out a few tips to follow during your winter holiday.

First of all: forget about drinking alcohol to protect yourself from the cold, it is just a myth and a dangerous one indeed. If you feel warmer after your shot of whiskey or grappa, it is probably because of the bar you are sitting in. Since alcohol is a vasoconstrictor, the effect will be exactly the opposite: you will feel cold.

Do not forget the proteins: in a cold environment our body instinctively craves for carbohydrates, forgetting about proteins, which are essential to keep a good muscular integrity.

If you do not want to waste time in the restaurant at lunch, have several small meals during the day, rather than a proper lunch; bring some energy bars with you.

Speaking of bars, be careful with chocolate. It is true that it gives a lot of energy (about 550 Kcal for 100g), but unless you are planning an Arctic crossing, walking 12 hours per day, lower calories bars, with yogurt or muesli are a better choice.

If you have to sit down and have a proper lunch, stay away from fat foods. It is not hard to find them in a mountain resort, but the myth around them is that they will give you more energy, and make you warmer, but in fact they will just slow down your digestion and make your skiing in the afternoon harder. And of course leave alcohol for after dinner.

Even if your lunch was light, always wait one hour before going back to the ski run.

At dinner, if you had carbohydrates for lunch, balance them with proteins.

Now go have fun!