Author Archives: schatzi

Trip Insurance Makes Traveling More Enjoyable

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One aspect of traveling that most people overlook is trip insurance. People normally don’t want to think about things that could go wrong during a trip. To them, it’s like throwing a wet blanket over all their excitement.

However, we should all face trip insurance with a little more maturity. It’s crazy how a flight cancellation could ruin half a year’s worth of planning. Or how lost baggage could instantly take the enjoyment out of the rest of your vacation.

Getting the right trip insurance would at least give you some peace of mind, knowing that your needs will be taken care of just in case you hit some snags. For one, trip insurance can cover delays and cancellations. If you’re buying a non-refundable ticket, your trip insurance would be able to cover that loss if an unavoidable circumstance forces you to cancel your flight.

Consult your agent about what your needs are so you can choose the package that’s right for your budget and your needs. Usually, trip insurance would cover medical expenses if by some misfortune, you need to see a doctor or check in at a hospital for an illness.

You could also opt for a plan that covers emergency medical transportation. Nobody wants to get sick far away from home. If your condition happens to necessitate long-term hospitalization, or if you simply need to be evacuated, the costs involved to bring you home translates to a huge dent on your budget.

With proper trip insurance, the burden of your illness plus the cutting short of your trip would somehow be lessened by the benefits you can receive from being covered. This is the main reason why you can’t put a price on peace of mind when traveling.

Choose from top companies that offer various features and make sure that you will only get what you need for your trip insurance. If you are a frequent traveler, you can also avail of policies that are good for one full year – these, naturally, would cost much less in the long run. There are also trip insurance packages available for those traveling in groups. Apart from the usual trip insurance, you can also find packages for cruise trips.

Don’t forget to inform someone you trust about your trip insurance policy before you leave, as a safety precaution. In addition, always make copies of your important documents to facilitate the claims from trip insurance. Leave copies of your passport, visas, policy contracts and itineraries at home, in your baggage, and on your person – just to be sure!

Things to Bring When Traveling Abroad

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If you haven’t traveled abroad yet, this article is really perfect for you. It will give you ideas what to bring when traveling abroad.

When traveling there are certain things to be avoided and there are also a lot that should be consider and one of them is bringing important stuff that will serve major purposes and provide help. These are things that you need the most, things that can protect you and make your travel a lot exciting, entertaining and adventurous.

Important things to bring when traveling include:

• Legal copies of your personal documents and your valid identification card. Legal copies of your personal documents can include, visa, passport, birth certificate, plane tickets, licensed. Valid identification comprises driver’s licensed, professional licensed, company or business I.D.

• Enough amount of money. Your credit card, Visa card or MasterCard will be of good use for your travel but you cannot use them to pay for the taxi or bus. To avoid getting stuck, make sure that you bring enough amount of money in your pocket.

• Communication gadgets along with their plug adapters. Always consider having open communications with the people you care about especially you family. It is important that they have idea what’s going on with you.

• Travel guide book/dictionary. If you are not familiar with the language of the country you are going to visit, make sure that you have dictionary with translation. And lastly, if you are new to a certain country, make certain that you have travel guide book or map in case you lose track. Bringing this stuff will protect and secure you.

The mentioned things above will help you a lot to prepare for your travel. However if you want to secure your car travel and hotel accommodation in the country you’re going to be landed, consider booking your flight at a travel agency which provide travel packages with tour guide. Some of the companies which do so include Expedia.

5 Tips to Help You Stop Smoking

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Millions of people all over the world smoke cigarettes. Almost all of these people understand the serious health risks involved with smoking and are therefore always looking for a way to help them stop. Unfortunately, the addiction to nicotine is a powerful one and isn’t easily conquered. Almost everyone who attempts to quit smoking will fail without a good deal of help, support and advice. Here are a few proven tips to help you quit smoking.

Stop smoking tip 1: Understand why you want to stop smoking. Convince yourself that smoking will end your life prematurely and that you want to live.

Stop smoking tip 2: Make yourself a list of the reasons why you want to quit smoking. This list might include such things as feeling better, love for your family, desire to stay healthy, etc. The more personal you can make this list, the more effective it will be to help you quit.

Stop smoking tip 3: Gather support for your endeavor. For example, if your spouse also smokes, either get them to quit with you or at the very least convince them to keep their smoking away from you. Many people who attempt to quit say that being around other people smoking is the hardest part and often what leads them to failure.

Stop smoking tip 4: Find an activity to take your mind off the cravings. Many people find that beginning an exercise program at the same time you quit smoking is very effective. Not only will the exercise program take your mind off the craving for cigarettes, it will also encourage you as your stamina increases and your lungs improve. This can be very rewarding and reinforce your desire for success. Also, many people find they gain weight when they quit smoking. The exercise can offset that weight gain and remove a possible reason to resume smoking.

Stop smoking tip 5: Enlist a partner to help you weather the storm. Many people find it easier to stop smoking if they do it with someone else. Some people like to compete with the other person while others simply need someone who understands what they are going through.

No one has ever said that quitting smoking is easy, but it can be done. Millions of people have used the quit smoking tips above to be successful. Gather your information and get started as soon as possible.

How to Write a Restaurant Business Plan – The Essentials

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Restaurants have one of the highest failure rates. The nature of the business in dealing with perishables and the fickle tastes of people is difficult to grasp. Many lenders simply exclude them from their portfolios in general but everyone knows a great restaurant can create a lot of wealth for the owners.

Never forget this statement, lenders and investors are sophisticated in commerce and they know when someone is on their level in business knowledge. You must distinguish yourself, just like stock market investors, lenders invest in people. Do not fear your short comings but show how you HAVE experienced advisers available.

Most necessary information related to business is basic but they want to see you have a basic insight into overall economic influences as well. Read and watch financial television to learn and be comfortable with discussions in those areas. After a time you will begin to see the conversations are very similar. You now have insight into the content of your restaurant business plan, it is the same discussion.

Another suggestion to prepare for writing your plan is go online and search for annual reports for restaurants traded on the stock exchange; they are usually free of charge and useful even if they are old. Most of them are mind numbing at first, study until you see the same pattern you found watching the TV shows. Get some basic information about financial statements just to learn the layout and how the numbers relate and tell the health of the company. Buy a book about investing in stocks to absorb the mindset of an investor.

You should be able to demonstrate a clear and fundamental understanding of how the economy and other outside factors will affect your enterprise. Knowing facts about your competitors and even publicly traded restaurants will show a level of experience you may not even have but they will see you belong to the top 1/10% of your industry and every other person who brings a deal in front of them.

Unless you intend to raise a million dollars or more you should research and write your restaurant business plan yourself. The preparation to do so will ingrain the process into your mind and the command of the information will impress your lending prospect. Be sure to highlight every small difference related to why you believe in your venture. Keep in mind very small improvements in long established industries have made many people very successful.

Read a little about persuasive writing and use a formal style with no contractions, slang or industry jargon which is not explained.

Buying a template will help you organize your thoughts and provide a framework for all your expertise to be displayed. These are very helpful. Once you master the basics, admittedly a large body of information, begin to focus on your specialty, here are two examples:

• Maybe you are interested in starting a café and need a café business plan. Here you will begin to build your case about why you think you have found an opportunity. This could be how an area under served because it has experienced huge growth and residents drive a long distance.

• Regretfully, the bar business does well in a good location with a bad economy. Keep in mind people do not go to a bar to drink, they go to socialize. Bars should work well anytime but they can be recession proof. Your approach will be the social aspect of writing the bar business plan and why you have the edge to make one work.

Hopefully you are very talented and suited for the restaurant industry but remember, every talent, once discovered, must be developed. Know where you want to go, this is a clear goal. Identify every possible need to reach the goal, and then list what you have. This is the first step to writing a great restaurant business plan.