Any one who has ever gotten on a race bike and felt the acceleration knows that such temptation is just to great. Once you give it some throttle you want to take it thru the gears. Yet, if you do choose to take it thru all the gears and redline the sixth or last gear you find yourself often over 135 miles per hour even on a 600 CC race bike. On the 750’s and 1000 plus CC race bikes you are well over 160 miles per hour at redline. Those of us who dare know that you must really pay attention when you are going at such speeds while sitting out in the open, namely you need to hang on.
Why do we sell these motorcycles to teenagers if we know that there is no possible way and no current teenager alive who owns one who has not sped on it? It is safe to say that such a statement is correct. Perhaps we ought to have speed limits within reason; for instance if you have taken a super bike class and have shown you can handle the raw power and speed; then you should be allowed to open it up all the way when no one else is around to get hurt. Montana use to have such a law on their roads, unlimited speed limit as long as you were not endangering others, this seems to be a good rule. Germany has the autobahn, yet we are denied the pursuit of happiness because some lawmaker who has no balls is afraid we might get hurt and it might go into the newspaper and make a few weak voters sob? No one has the right to deny those capable and willing to push the envelope a little our pursuit of happiness as such rules are in complete contrary to what it means to live in a free country.
Just because there are Jerry Springer guest stars out there still wearing their free T-shirts for being on the show and a few Jeff Foxworthy “here’s your sign” recipients is no reason to make laws to protect the weakest link of humanity from their destiny and happiness. The need for speed is an innate characteristic of mankind and there is absolutely nothing wrong with that. For those who cannot perform, they can win the Darwin Award, but we should not make laws to protect the stupidest human and deny the crème of the crop their destiny. Think about it.
Wednesday, December 9, 2009
"Incredible India” with Pushkar Camel Festival
We arrive to the land of 1000 languages and 1000 gods. At the Intercontinental, the women in my group are welcomed with marigolds and branded with the typical red dot on our foreheads. This hotel is an oasis of luxury in a polluted city of 14 million people. Two days are spent touring Delhi. The obligatory sites include Gandhi’s Tomb and many UNESCO World Heritage Sites. No where else have ancient traditions blended with the modern on a scale so evident as in Delhi. Fat sacred Brahma bulls block traffic creating delays. In this Hindu land, cows rule. Dogs, monkeys and children cross at their own risk.
I love spiced food and begin each day with a 3 alarm-curry breakfast. We head by coach for Rajasthan, the beautiful desert state where cows are replaced by camels. The air is sweeter and everything more colorful. Here is a microcosm of all that India is. The people are genteel with a humility if spirit and still light up at the sight of foreigners. We continually wave through our windows to those who stare with curiosity and seem to say, “why have you come here?” As a fan of the third world, this place has been on my dream list for years. I now vividly enter that element of travel that provides me astonishment.
We’ve come to attend the annual Camel Fair in Pushkar that has taken place for a thousand years. As the world’s largest, it has at its peak attracted 50,000 camels with 200,000 traders. We unpack at our camp called Exotic Adventures. Our spartan tents did have ensuite toilets but toilet paper was at a premium. There was a 24 hour guard outside who stingily rationed our quota. In the desert, nights are frigid and afternoons sweltering. I confided to a guest there from the American Embassy that I felt like I was in an episode of “Survivor.” She laughed assuring me that it was all worth it. Soon my shock turns to awe as I enter the fairgrounds.
Set on miles of shifting sand dunes with festooned camels and a flood of pilgrims, the scene looks totally surreal. Its like a State Fair on steroids. There is a flurry of horse, bullock and camel races, contests for milking, animal decorating, turban tying, tattooing as well as snake charmers, free carnival rides, mystics, astrologers and dazzling stalls of handicrafts at giveaway prices. The ground reverberates with activities. Thousands of Rajasthani woman have arrived dressed in their finest clothes in near neon colors. I watch trained monkeys, painted cows and cobra’s dance. No words can adequately describe how this helter skelter overwhelms my 5 senses. Others can have Europe with its cathedrals and museums. For me, this exotic exposure and cultural immersion is the ultimate travel!
Covered in dust, we return to camp. Each night there is entertainment under the stars with musicians, folk dancers, puppet show or fire eaters. No alcohol is allowed here and all meals are vegetarian buffets. An Ayurveda Center offers us treatments to cleanse body toxins. We decline them: induced vomiting, enemas, nasal drainage and blood letting.
We tour the holy city of Pushkar with its sacred lake created by Lord Brahma. Pilgrims come from afar to bathe in the ghats and worship round the clock. We learn about religions here: Zorastrism, Sihkism, the mystic Sufi’s, Jainists who won’t kill a mosquito, Hinduism that claims no absolute truth and the caste system. We tour temples at the lake; some are “blessed” by priests. Later, a highlight for me was a one hour Camel Cart Safari behind the scenes of the fair. Children line our route shouting to us “hi, hello, one pen please!” We see a camel slaughtered and half naked people washing. Back inside the grounds, we visit an orphanage and scatter individually to get lost in the feverish revelry. We ride huge spitting camels that provide us a heightened perspective of it all. I purchase a dozen garnet necklaces and silver ankle bracelets. Teenage boys approach Terry to photograph him. He’s 6’5’’. One politely as him, “Sir, what do you eat?”
Our group was wonderful!
There are endless food courts however we must pass all enticements to prevent “Delhi Belly.” I find the cacophony of chaos delightful. Pushkar is truly a party affair for the locals and we are just observant guests. I’m so grateful to experience such but time to proceed on with our busy itinerary.
We arrive to the famed “Pink City” of Jaipur, now more deep maroon from pollution. In touring its palaces, fort and architectural marvels, we learn of the great Amber rulers and maharajahs of the Moghul empire. History comes alive and I find myself so interested in that which I never cared about. And here is a shopper’s paradise for silk sarees, gems, jewelry and marble crafts. I visited an animal sanctuary called “Help In Suffering.” The worst cases of various species are treated here by volunteer veterinarians. Forty five stray dogs are sterilized daily and I witness a surgery. (See www.HIS-INDIA.com ) You can simply mail them a check to help.
At 'Help In Suffering' a dog spaying Making a donation Volunteer vets talk to Suzy
On to see the grand Fatehpur Sikri, “Ghost City of Akbar” that was abandoned due to scarcity of water. We finally reach Agra, a broken city of 2.5 million. Hawkers harass us. Chained bears dance for rupees in the street. Hungry children beg. We are thankful to lodge at the deluxe Sheraton here with its western cuisine and affordable massages at $20. It was like a galaxy change from the downtown.
After witnessing an eyeful of wonders along the way, we have saved the best for last at the world’s greatest tribute to love. Goosebumps rise as I enter the majestic gate to the Taj Mahal. Morning sunlight illuminates it like a flawless pearl…22 years to build by 200,000 men with 2 million pieces of inlaid semi-precious stones. After a lecture on why this perfect symmetry was created for Queen Mumtaz, we disperse to photograph what looks to be a mirage. It is poetry in architecture and as magnificent as can be imagined.
Back in Delhi, we all enjoy a free day of leisure to explore as we choose! Most go shopping as prices are extravagantly low but how many Pashmina shawls does one need? For our final evening we enjoy a show called “Dances of India” followed by a farewell feast of our Last (Indian) Supper.
I remises another journey well done with excellent guides, drivers, assistance and accommodations. I recall my favorite moment which took place at the fair when I hired two “body guides” to assist me through the crowds, Jamal and Ranshi. These two 11 year old boys bonded to me like barnacles and their beaming smiling faces will forever remain etched in my memory of India. This trip has renewed my curiosity of the world reminding me again that my love of travel proliferates itself. The more I see, the more I want to see.
This country is for the seasoned traveler. I am extremely impressed with the fortitude and patience of my group of 60 people in a land of erratic infrastructure. For some it was their first visit to the third world but they all persevered like pros. To witness suffering first hand is the fullest way to appreciate home. We saw things both appalling and joyful. The word “fascinating” however would sum up the entire trip. I must return again.
I love spiced food and begin each day with a 3 alarm-curry breakfast. We head by coach for Rajasthan, the beautiful desert state where cows are replaced by camels. The air is sweeter and everything more colorful. Here is a microcosm of all that India is. The people are genteel with a humility if spirit and still light up at the sight of foreigners. We continually wave through our windows to those who stare with curiosity and seem to say, “why have you come here?” As a fan of the third world, this place has been on my dream list for years. I now vividly enter that element of travel that provides me astonishment.
We’ve come to attend the annual Camel Fair in Pushkar that has taken place for a thousand years. As the world’s largest, it has at its peak attracted 50,000 camels with 200,000 traders. We unpack at our camp called Exotic Adventures. Our spartan tents did have ensuite toilets but toilet paper was at a premium. There was a 24 hour guard outside who stingily rationed our quota. In the desert, nights are frigid and afternoons sweltering. I confided to a guest there from the American Embassy that I felt like I was in an episode of “Survivor.” She laughed assuring me that it was all worth it. Soon my shock turns to awe as I enter the fairgrounds.
Set on miles of shifting sand dunes with festooned camels and a flood of pilgrims, the scene looks totally surreal. Its like a State Fair on steroids. There is a flurry of horse, bullock and camel races, contests for milking, animal decorating, turban tying, tattooing as well as snake charmers, free carnival rides, mystics, astrologers and dazzling stalls of handicrafts at giveaway prices. The ground reverberates with activities. Thousands of Rajasthani woman have arrived dressed in their finest clothes in near neon colors. I watch trained monkeys, painted cows and cobra’s dance. No words can adequately describe how this helter skelter overwhelms my 5 senses. Others can have Europe with its cathedrals and museums. For me, this exotic exposure and cultural immersion is the ultimate travel!
Covered in dust, we return to camp. Each night there is entertainment under the stars with musicians, folk dancers, puppet show or fire eaters. No alcohol is allowed here and all meals are vegetarian buffets. An Ayurveda Center offers us treatments to cleanse body toxins. We decline them: induced vomiting, enemas, nasal drainage and blood letting.
We tour the holy city of Pushkar with its sacred lake created by Lord Brahma. Pilgrims come from afar to bathe in the ghats and worship round the clock. We learn about religions here: Zorastrism, Sihkism, the mystic Sufi’s, Jainists who won’t kill a mosquito, Hinduism that claims no absolute truth and the caste system. We tour temples at the lake; some are “blessed” by priests. Later, a highlight for me was a one hour Camel Cart Safari behind the scenes of the fair. Children line our route shouting to us “hi, hello, one pen please!” We see a camel slaughtered and half naked people washing. Back inside the grounds, we visit an orphanage and scatter individually to get lost in the feverish revelry. We ride huge spitting camels that provide us a heightened perspective of it all. I purchase a dozen garnet necklaces and silver ankle bracelets. Teenage boys approach Terry to photograph him. He’s 6’5’’. One politely as him, “Sir, what do you eat?”
Our group was wonderful!
There are endless food courts however we must pass all enticements to prevent “Delhi Belly.” I find the cacophony of chaos delightful. Pushkar is truly a party affair for the locals and we are just observant guests. I’m so grateful to experience such but time to proceed on with our busy itinerary.
We arrive to the famed “Pink City” of Jaipur, now more deep maroon from pollution. In touring its palaces, fort and architectural marvels, we learn of the great Amber rulers and maharajahs of the Moghul empire. History comes alive and I find myself so interested in that which I never cared about. And here is a shopper’s paradise for silk sarees, gems, jewelry and marble crafts. I visited an animal sanctuary called “Help In Suffering.” The worst cases of various species are treated here by volunteer veterinarians. Forty five stray dogs are sterilized daily and I witness a surgery. (See www.HIS-INDIA.com ) You can simply mail them a check to help.
At 'Help In Suffering' a dog spaying Making a donation Volunteer vets talk to Suzy
On to see the grand Fatehpur Sikri, “Ghost City of Akbar” that was abandoned due to scarcity of water. We finally reach Agra, a broken city of 2.5 million. Hawkers harass us. Chained bears dance for rupees in the street. Hungry children beg. We are thankful to lodge at the deluxe Sheraton here with its western cuisine and affordable massages at $20. It was like a galaxy change from the downtown.
After witnessing an eyeful of wonders along the way, we have saved the best for last at the world’s greatest tribute to love. Goosebumps rise as I enter the majestic gate to the Taj Mahal. Morning sunlight illuminates it like a flawless pearl…22 years to build by 200,000 men with 2 million pieces of inlaid semi-precious stones. After a lecture on why this perfect symmetry was created for Queen Mumtaz, we disperse to photograph what looks to be a mirage. It is poetry in architecture and as magnificent as can be imagined.
Back in Delhi, we all enjoy a free day of leisure to explore as we choose! Most go shopping as prices are extravagantly low but how many Pashmina shawls does one need? For our final evening we enjoy a show called “Dances of India” followed by a farewell feast of our Last (Indian) Supper.
I remises another journey well done with excellent guides, drivers, assistance and accommodations. I recall my favorite moment which took place at the fair when I hired two “body guides” to assist me through the crowds, Jamal and Ranshi. These two 11 year old boys bonded to me like barnacles and their beaming smiling faces will forever remain etched in my memory of India. This trip has renewed my curiosity of the world reminding me again that my love of travel proliferates itself. The more I see, the more I want to see.
This country is for the seasoned traveler. I am extremely impressed with the fortitude and patience of my group of 60 people in a land of erratic infrastructure. For some it was their first visit to the third world but they all persevered like pros. To witness suffering first hand is the fullest way to appreciate home. We saw things both appalling and joyful. The word “fascinating” however would sum up the entire trip. I must return again.
"No! We're Not There Yet!"- Surviving the Family Road Trip
According to the U.S. Department of Energy, travel is increasing every year and it is predicted that even more people will be on the road this year. Traveling with the family can be a great way to spend quality time together but it can also be stressful. Increase your chances of a fun, stress-free and safe vacation by following these simple tips:
• Beat boredom with child's play. "Are we there yet?" What is it about these words that go straight to a parent's spine? Keep kids entertained with some great car games that make getting where you're going half the fun. Magnetic board games, portable video games and classics such as the license plate game, "I Spy" and the alphabet game will keep energetic kids in good spirits and actively engaged no matter how long the journey.
• Stop smart. When stopping at rest stops, make sure it's just your kids getting back in the car and not the bacteria and germs they pick up in the bathroom. Bring products that keep your family healthy, such as hand sanitizer and Lysol Disinfectant Spray, to kill rest stop germs that can be transferred from the rest room to the surfaces in your car. To prepare for those inevitable spills and "oops" moments, keep paper towels or wet wipes handy.
• Eat right. Sure, you can stop at the rest stop for food-along with the thousands of other people on the road. But roadside dining doesn't always offer the healthiest choices. Instead, keep your family's bellies full with snacks that you can eat right in the car, such as trail mix, string cheese, fruit roll-ups, bottles of water, and fruit. These easy, convenient snacks are yummy (for them) and healthy (for you).
• Keep everyone happy. Pick a destination that has fun activities for all ages. While it's tempting to head for the place that the kids will love, make sure there's something for mom, dad and grandma to do as well. Some top family vacation spots that offer something for everyone include Orlando, Fla., Anaheim, Calif., Williamsburg, Va., Hershey, Pa. and Yellowstone National Park.
Family vacations can be chaotic but immensely rewarding. And if you keep these tips in mind, you can help ensure safe and happy travels-at least until you get there.
When stopping at rest stops, make sure it's just your kids getting back in the car and not germs they pick up in the bathroom.
• Beat boredom with child's play. "Are we there yet?" What is it about these words that go straight to a parent's spine? Keep kids entertained with some great car games that make getting where you're going half the fun. Magnetic board games, portable video games and classics such as the license plate game, "I Spy" and the alphabet game will keep energetic kids in good spirits and actively engaged no matter how long the journey.
• Stop smart. When stopping at rest stops, make sure it's just your kids getting back in the car and not the bacteria and germs they pick up in the bathroom. Bring products that keep your family healthy, such as hand sanitizer and Lysol Disinfectant Spray, to kill rest stop germs that can be transferred from the rest room to the surfaces in your car. To prepare for those inevitable spills and "oops" moments, keep paper towels or wet wipes handy.
• Eat right. Sure, you can stop at the rest stop for food-along with the thousands of other people on the road. But roadside dining doesn't always offer the healthiest choices. Instead, keep your family's bellies full with snacks that you can eat right in the car, such as trail mix, string cheese, fruit roll-ups, bottles of water, and fruit. These easy, convenient snacks are yummy (for them) and healthy (for you).
• Keep everyone happy. Pick a destination that has fun activities for all ages. While it's tempting to head for the place that the kids will love, make sure there's something for mom, dad and grandma to do as well. Some top family vacation spots that offer something for everyone include Orlando, Fla., Anaheim, Calif., Williamsburg, Va., Hershey, Pa. and Yellowstone National Park.
Family vacations can be chaotic but immensely rewarding. And if you keep these tips in mind, you can help ensure safe and happy travels-at least until you get there.
When stopping at rest stops, make sure it's just your kids getting back in the car and not germs they pick up in the bathroom.
Friday, November 27, 2009
10 Ways To Identify If Your Mover Is Right For You
If you manage to find the right mover then half the battle is won. One of the greatest challenges of moving from one city to another, to the countryside, or abroad is locating an efficient and honest mover.
Keep in mind the following: movers must have a good reputation, an extensive network, and be licensed and insured. In addition, they must be professional, polite, understand your needs and proffer the right advice.
Here are a few considerations to put you on the right track:
1. Meet the mover and find out how long they have been in business and whether they can give you a few references.
2. Check the references. Call his clients to check on the services the mover offered and whether there were any problems.
3. Do an online search to determine whether there are any warnings or complaints against the mover.
4. Check with the local chamber of commerce or bank to determine the moving company’s business standing.
5. Check if the mover’s license and insurance are current. Ensure they have workman’s compensation and other benefits in place.
6. Determine whether the mover handles the work himself or assigns it to a sub agent or associate.
7. The mover must have a wide network with offices in the place you are moving to.
8. A reputable mover will be a member of AMSA, the American Moving and Storage Association. As a professional he will have committed to following an industry Code of Conduct and will offer quality service.
9. The ideal mover will not give you an estimate off the top of his head. He will insist to making a preliminary inspection, listing objects to be moved, and ask you to answer a number of questions. Based on which he will prepare an estimate and highlight variables.
10. He will be open minded and explain clearly what you can expect and what you cannot. He will tell you all about insurance, the actual moving process, transit storage, guarantees and so on.
An ideal mover will value your business and explain his responsibilities clearly.
Once you know you have to move allocate enough time to finding the right mover. Ask relevant questions like will my stuff reach its destination as promised, will the material move as one load or as part of other things, a larger load. What kind of training do your workers receive? Are the workers experienced in packing antiques and other valuables? Do I need additional insurance apart from the one provided by you?
Be prudent and weigh the pros and cons carefully. Never let cost dictate your choice. Sometimes by cutting corners to save a few pennies you may loose thousands in damaged goods or lost goods.
Keep in mind the following: movers must have a good reputation, an extensive network, and be licensed and insured. In addition, they must be professional, polite, understand your needs and proffer the right advice.
Here are a few considerations to put you on the right track:
1. Meet the mover and find out how long they have been in business and whether they can give you a few references.
2. Check the references. Call his clients to check on the services the mover offered and whether there were any problems.
3. Do an online search to determine whether there are any warnings or complaints against the mover.
4. Check with the local chamber of commerce or bank to determine the moving company’s business standing.
5. Check if the mover’s license and insurance are current. Ensure they have workman’s compensation and other benefits in place.
6. Determine whether the mover handles the work himself or assigns it to a sub agent or associate.
7. The mover must have a wide network with offices in the place you are moving to.
8. A reputable mover will be a member of AMSA, the American Moving and Storage Association. As a professional he will have committed to following an industry Code of Conduct and will offer quality service.
9. The ideal mover will not give you an estimate off the top of his head. He will insist to making a preliminary inspection, listing objects to be moved, and ask you to answer a number of questions. Based on which he will prepare an estimate and highlight variables.
10. He will be open minded and explain clearly what you can expect and what you cannot. He will tell you all about insurance, the actual moving process, transit storage, guarantees and so on.
An ideal mover will value your business and explain his responsibilities clearly.
Once you know you have to move allocate enough time to finding the right mover. Ask relevant questions like will my stuff reach its destination as promised, will the material move as one load or as part of other things, a larger load. What kind of training do your workers receive? Are the workers experienced in packing antiques and other valuables? Do I need additional insurance apart from the one provided by you?
Be prudent and weigh the pros and cons carefully. Never let cost dictate your choice. Sometimes by cutting corners to save a few pennies you may loose thousands in damaged goods or lost goods.
A Review On Travel Insurance - Do You Need It Or Not?
Personally I think it would be very foolish not to have some sort of travel insurance, especially if you are flying abroad. People sometimes make the mistake in thinking that their local insurance policies will cover any losses and have a big shock when they come to make a claim. Besides, if you have the right policy, it takes all the worry out of your trip.
You should always be offered insurance, by your travel agent, when you arrange your trip. If not, ask, because it will be on your own head if anything goes wrong.
A Cheap Policy or Not?
When a travel insurance policy is issued there are a number of allocations if the premium, agents commissions, administrative costs, some goes towards profit and what's left over goes towards the actual insurance coverage. So, you can see, if it's a cheap travel insurance policy, something is going to miss out and you can bet it will be the level of coverage.
If you buy a regular travel insurance policy, that is, you fill out a form and send it to the insuarance company with your remittance there are a lot of costs involves. A better way would to get a wholesale policy (which travel agents do sell) where the administration costs are dramactically reduced, meaning more money is spent on the actual coverage.
Some tour operators and agents provide an "in-house" travel insurance policy and, often, all it covers is their own cancellation fees and little else. It may be cheaper but will not give you much travel insurance coverage.
Another way to reduce costs, which depends on the level of travel you are going to do, is to purhase an annual travel insurance policy. This is buying in bulk and is likely to be much less expensive than the one-off trip policy.
Primary or Secondry Travel Insurance Cover?
These 2 types of cover determine the way the payouts are made. The primary travel insurance cover means that the company will "Pay First", that is the payment will be paid to the claim maker. The secondary travel insurance cover means they will pay only after you've have claimed as much as you can from other insurance cover that you may have. So, you can see that the primary cover is a lot better than the secondry cover.
What Type Of Coverage Will You Need?
It's fair to say the 2 biggest risks that are covered by most travel insurance policies are the costs of changing your travel plans and and any medical care and emergency assistance that is required while you are away.
Most travel insurance policies will include a few hundred dollars for baggage/loss/damage/delay, loss of travel documents and other small sum for flight delay or interuption. Some will also cover for someone to fly out to you if you are to be hospitalised for more tha 2 or 3 days.
Another major cost, and I must admit I never thought of this one before, can be supplier bankruptcy. Many time the supplier of your travel insurance policy are unable to have the policy to cover thier own bankruptcy. This would be another good reason to have an independant policy from the company arranging your travel.
Most travel insurance policies include a large ammount of air death insurance, but surprisingly, it's of very low value item about 25 cents for a $100,000 cover. I suppose this indicates how safe air travel is.
Some travel isurance policies will also cover car rental risks and this may be an important thing to consider as car rental insurance policies are extremely expensive.
Trip Cancellation/Change Coverage
To understand the possible costs that you may need if you have to change your itinery or cancel the trip, if you have pruchased an unrestricted first class ticket there may be not any costs associated with changing the ticket as this is usually covered in the purchase price.
It may seem strange but the the cheapest ticket has the most risk attached to it as far as cancellation/change is concerned. It can cost a heap more to change the cheap fare to return home on a different flight than the original purchase price of the ticket.
You will have to be aware that when some travel insurance policies state that they will cover 'your total trip cost' you may think that the full charges are covered, but this may not be so. Let's say that your discounted fare cost $590 and you have a package that actually costs $895 and you have to change you may find the return trip will cost more than the whole package. Maybe you will have to pay another $1120 to get home on a no advanced one way return ticket.
I had this experience a few years ago when I had to rush home for my Father's funeral. Because of time restrictions I had to buy a non-discounted ticket. After not feeling well all day, when I finally arrived at the airport I succumbed to a middle ear infection. So with all the vomitting and the different air pressures that come with flying there was no I could get on a aircraft. But, as I had purchased a full fare, there was problems in changing my flight to the next morning. Goes to show that you can't always control your circumstances.
The more restictive travel insurance policies may exclude circumstances that are deemmed 'under your own control', and perhaps this may include work related issues. Let's say you are about to leave work and you are told there is an issue that has to be solved and that you leave has to be deffered. There's a very good chance that this type of travel insurance would no pay out because of this reason.
Medical Care and Emergency Assistance
Some people mistakenly think that their home medical insuarnce policy will cover all costs wherever they are in the world. They may find that that it doesn't cover at all, or the deductions will be much higher or perhaps their medical costs are covered but not any related transport costs.
You may be on a cruise and you need some medical attention by the ship's doctor. There is a good chance that their services are charged for as with any other doctor. You may have to be flown home on a stretcher and this will involve blocking out nine seats, can you imagine how much that would cost. You should make sure that you have travel insurance of at least $10,000 or more to cover these emergencies. Let's imagine you are in a remote area and you break a leg and you need to be lifted out by a helicopter, this is what good travel insurance is all about.
To Summarise
Imagine your worst case travel mishap scenario and decide whether you need travel insurance. This may be the cancellation of the whole trip coupled with the associated cancellation costs or some emergency medical mishap that will require medivac and local care. I know these are horrible thoughts but if you can't afford to self-insure the expenditure of around $100 on travel insurance will give you the piece of mind and one less thing to worry about.
You should always be offered insurance, by your travel agent, when you arrange your trip. If not, ask, because it will be on your own head if anything goes wrong.
A Cheap Policy or Not?
When a travel insurance policy is issued there are a number of allocations if the premium, agents commissions, administrative costs, some goes towards profit and what's left over goes towards the actual insurance coverage. So, you can see, if it's a cheap travel insurance policy, something is going to miss out and you can bet it will be the level of coverage.
If you buy a regular travel insurance policy, that is, you fill out a form and send it to the insuarance company with your remittance there are a lot of costs involves. A better way would to get a wholesale policy (which travel agents do sell) where the administration costs are dramactically reduced, meaning more money is spent on the actual coverage.
Some tour operators and agents provide an "in-house" travel insurance policy and, often, all it covers is their own cancellation fees and little else. It may be cheaper but will not give you much travel insurance coverage.
Another way to reduce costs, which depends on the level of travel you are going to do, is to purhase an annual travel insurance policy. This is buying in bulk and is likely to be much less expensive than the one-off trip policy.
Primary or Secondry Travel Insurance Cover?
These 2 types of cover determine the way the payouts are made. The primary travel insurance cover means that the company will "Pay First", that is the payment will be paid to the claim maker. The secondary travel insurance cover means they will pay only after you've have claimed as much as you can from other insurance cover that you may have. So, you can see that the primary cover is a lot better than the secondry cover.
What Type Of Coverage Will You Need?
It's fair to say the 2 biggest risks that are covered by most travel insurance policies are the costs of changing your travel plans and and any medical care and emergency assistance that is required while you are away.
Most travel insurance policies will include a few hundred dollars for baggage/loss/damage/delay, loss of travel documents and other small sum for flight delay or interuption. Some will also cover for someone to fly out to you if you are to be hospitalised for more tha 2 or 3 days.
Another major cost, and I must admit I never thought of this one before, can be supplier bankruptcy. Many time the supplier of your travel insurance policy are unable to have the policy to cover thier own bankruptcy. This would be another good reason to have an independant policy from the company arranging your travel.
Most travel insurance policies include a large ammount of air death insurance, but surprisingly, it's of very low value item about 25 cents for a $100,000 cover. I suppose this indicates how safe air travel is.
Some travel isurance policies will also cover car rental risks and this may be an important thing to consider as car rental insurance policies are extremely expensive.
Trip Cancellation/Change Coverage
To understand the possible costs that you may need if you have to change your itinery or cancel the trip, if you have pruchased an unrestricted first class ticket there may be not any costs associated with changing the ticket as this is usually covered in the purchase price.
It may seem strange but the the cheapest ticket has the most risk attached to it as far as cancellation/change is concerned. It can cost a heap more to change the cheap fare to return home on a different flight than the original purchase price of the ticket.
You will have to be aware that when some travel insurance policies state that they will cover 'your total trip cost' you may think that the full charges are covered, but this may not be so. Let's say that your discounted fare cost $590 and you have a package that actually costs $895 and you have to change you may find the return trip will cost more than the whole package. Maybe you will have to pay another $1120 to get home on a no advanced one way return ticket.
I had this experience a few years ago when I had to rush home for my Father's funeral. Because of time restrictions I had to buy a non-discounted ticket. After not feeling well all day, when I finally arrived at the airport I succumbed to a middle ear infection. So with all the vomitting and the different air pressures that come with flying there was no I could get on a aircraft. But, as I had purchased a full fare, there was problems in changing my flight to the next morning. Goes to show that you can't always control your circumstances.
The more restictive travel insurance policies may exclude circumstances that are deemmed 'under your own control', and perhaps this may include work related issues. Let's say you are about to leave work and you are told there is an issue that has to be solved and that you leave has to be deffered. There's a very good chance that this type of travel insurance would no pay out because of this reason.
Medical Care and Emergency Assistance
Some people mistakenly think that their home medical insuarnce policy will cover all costs wherever they are in the world. They may find that that it doesn't cover at all, or the deductions will be much higher or perhaps their medical costs are covered but not any related transport costs.
You may be on a cruise and you need some medical attention by the ship's doctor. There is a good chance that their services are charged for as with any other doctor. You may have to be flown home on a stretcher and this will involve blocking out nine seats, can you imagine how much that would cost. You should make sure that you have travel insurance of at least $10,000 or more to cover these emergencies. Let's imagine you are in a remote area and you break a leg and you need to be lifted out by a helicopter, this is what good travel insurance is all about.
To Summarise
Imagine your worst case travel mishap scenario and decide whether you need travel insurance. This may be the cancellation of the whole trip coupled with the associated cancellation costs or some emergency medical mishap that will require medivac and local care. I know these are horrible thoughts but if you can't afford to self-insure the expenditure of around $100 on travel insurance will give you the piece of mind and one less thing to worry about.
8 Tips That Will Make Your Journey Safe And Trouble Free
Traveling by plane requires great planning. One can minimize problems by planning well in advance and taking a few precautions before embarking on the journey. This will alleviate problems and ensure that you have a safe and hassle free trip.
1. Always book tickets on a reliable airline. Check if they are offering any special fares or discounts. Check the tickets to ensure that what you have is a confirmed booking.
2. Find out details regarding size of baggage and weight allowed. Tag all bags with your name, address, phone number, date of travel, and flight number. Pack the bags yourself and ensure that they are all locked safely. Make two sets of keys.
3. As a precaution pack documents, passport, medicines, and other immediate essentials in the carry on case. In case your luggage gets lost or misplaced in transit you will still have bare essentials.
4. Follow to a “t” all security rules. Do not carry electronics, knives, batteries, or other banned items. All dangerous objects like razors, scissors, and so on must be put in your check in luggage.
5. All electronic items like cell phones and laptops must be fully charged and in accordance to rules turned on for checking if asked. Use of cell phones while flying is prohibited. So do not plan or making or receiving calls when in flight.
6. Take along a valid photo ID to the airport. Check whether you have your tickets.
7. Make prior booking for parking at the airport this will save you valuable time circling around to find suitable parking. If the airport lots are full or inconvenient try any of the private parking lots.
8. Always check the flight schedule before you leave the house. Make sure what the check-in-time is for your flight. Leave with plenty of time to spare. This way you won’t have to rush from one end of the airport to the other.
It is against regulations for passengers to carry inflammables, aerosols, or household cleaners. Other prohibited items are: firearms even if you have a license, hunting rifles, baseball bats, golf clubs, pool cues, ski equipment, hockey sticks, darts, as well as bows and arrows. Because of terrorist threats it is against the law to speak of hijackings, bomb threats, or other dangerous things. Be cautious about who you befriend. Never accept any letter or parcel to be delivered to persons known or unknown. Never leave your luggage unattended and if you do notice any abandoned parcel or luggage bring it to the notice of authorities. Be aware of what the weather conditions are like where you going and take clothes accordingly. Prepare well for your flight and enjoy it.
Before leaving check online whether there are any diversions to be made at the airport or whether any new rules have been made. Most airports have easy to use websites. Refer to the site and find out where your terminal is and where your car is to be parked. If using public transport only use transportation services from official pick up points. The vehicles must have official markings. Don’t get conned by people who make offers of special privileges or deals.
1. Always book tickets on a reliable airline. Check if they are offering any special fares or discounts. Check the tickets to ensure that what you have is a confirmed booking.
2. Find out details regarding size of baggage and weight allowed. Tag all bags with your name, address, phone number, date of travel, and flight number. Pack the bags yourself and ensure that they are all locked safely. Make two sets of keys.
3. As a precaution pack documents, passport, medicines, and other immediate essentials in the carry on case. In case your luggage gets lost or misplaced in transit you will still have bare essentials.
4. Follow to a “t” all security rules. Do not carry electronics, knives, batteries, or other banned items. All dangerous objects like razors, scissors, and so on must be put in your check in luggage.
5. All electronic items like cell phones and laptops must be fully charged and in accordance to rules turned on for checking if asked. Use of cell phones while flying is prohibited. So do not plan or making or receiving calls when in flight.
6. Take along a valid photo ID to the airport. Check whether you have your tickets.
7. Make prior booking for parking at the airport this will save you valuable time circling around to find suitable parking. If the airport lots are full or inconvenient try any of the private parking lots.
8. Always check the flight schedule before you leave the house. Make sure what the check-in-time is for your flight. Leave with plenty of time to spare. This way you won’t have to rush from one end of the airport to the other.
It is against regulations for passengers to carry inflammables, aerosols, or household cleaners. Other prohibited items are: firearms even if you have a license, hunting rifles, baseball bats, golf clubs, pool cues, ski equipment, hockey sticks, darts, as well as bows and arrows. Because of terrorist threats it is against the law to speak of hijackings, bomb threats, or other dangerous things. Be cautious about who you befriend. Never accept any letter or parcel to be delivered to persons known or unknown. Never leave your luggage unattended and if you do notice any abandoned parcel or luggage bring it to the notice of authorities. Be aware of what the weather conditions are like where you going and take clothes accordingly. Prepare well for your flight and enjoy it.
Before leaving check online whether there are any diversions to be made at the airport or whether any new rules have been made. Most airports have easy to use websites. Refer to the site and find out where your terminal is and where your car is to be parked. If using public transport only use transportation services from official pick up points. The vehicles must have official markings. Don’t get conned by people who make offers of special privileges or deals.
7 Good Reasons For Travel Insurance
For thousands of years, risks have been shared during times of tragedy. The first formal insurance company, Lloyd's of London, was formed in 1769 and their principal concept remains today - to gather the premiums of clients as a pool of resources to return to clients who experience unexpected but covered events. So, that is the secret really, plan for the unexpected and make sure you're covered, especially when you're travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7:
Medical Emergencies: If you fall sick or are injured during your travel, your travel insurance will give you financial coverage.
Flight Cancellations: If your flight is cancelled or delayed then your travel insurance should help. Depending on the cover available, a room for the night and even alternative travel home can be included.
Pre-existing Medical Conditions: Even if you have a pre-existing medical condition and it flares up while you're on vacation, as long as you've advised your travel insurance company prior, you should be covered.
Damage or Loss Of Personal property - What are you going to do when your luggage gets stolen? Yes, it happens, all the time. There are organised gangs that work in airports doing just that. Guess what? You need travel insurance.
Loss of Cash or Traveller's Cheques - You're in a foreign country far from home. You either lose, or have stolen, your entire holiday fund. You're going to need help and quick. Again, travel insurance is a must.
Emergency Evacuations - What with global warming and economic pressure more and more holiday destinations are being built in potentially dangerous territory. Who would have wanted to be in Thailand on that Boxing Day? Travel insurance will help if you have to get out quick.
Car Crash - It can be very difficult driving on the wrong side of the road in a strange country. Accidents happen.
Okay, there you have it. 7 good and solid reasons why you need travel insurance the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there's an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on (insert for your favourite potentially dangerous sport here). That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
Medical Emergencies: If you fall sick or are injured during your travel, your travel insurance will give you financial coverage.
Flight Cancellations: If your flight is cancelled or delayed then your travel insurance should help. Depending on the cover available, a room for the night and even alternative travel home can be included.
Pre-existing Medical Conditions: Even if you have a pre-existing medical condition and it flares up while you're on vacation, as long as you've advised your travel insurance company prior, you should be covered.
Damage or Loss Of Personal property - What are you going to do when your luggage gets stolen? Yes, it happens, all the time. There are organised gangs that work in airports doing just that. Guess what? You need travel insurance.
Loss of Cash or Traveller's Cheques - You're in a foreign country far from home. You either lose, or have stolen, your entire holiday fund. You're going to need help and quick. Again, travel insurance is a must.
Emergency Evacuations - What with global warming and economic pressure more and more holiday destinations are being built in potentially dangerous territory. Who would have wanted to be in Thailand on that Boxing Day? Travel insurance will help if you have to get out quick.
Car Crash - It can be very difficult driving on the wrong side of the road in a strange country. Accidents happen.
Okay, there you have it. 7 good and solid reasons why you need travel insurance the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there's an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on (insert for your favourite potentially dangerous sport here). That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.
5 Ways To Choose The Best Travel Insurance For Your Holiday
Travel insurance is one of those areas that mean nothing to you until you decide to hit the road – or the air – then suddenly every ad is for travel insurance and everywhere you look another company is touting for your business. So how do you choose the best insurance company and the best travel insurance for your unique travelling needs?
5 Points To Consider
1.The cost of the policy could be more than what you pay
When reviewing the policy options never start with the price first. As with most things in life you get what you pay for and while you want to be sure to get the best value for your money, this does not necessarily mean the cheapest price. Comprehensive cover that delivers and supports in time of need is what you should be looking for.
2.What back up do you receive in an emergency?
Are you being sent on your world tour with a 9 to 5 Monday to Friday contact number or are you provided with fully comprehensive numbers providing 24/7 contact and support, reverse charge options and 0800 numbers.
3.What is included as standard in your policy
Some companies come in with a low rate and then charge extra for every doorknob eventually leading to over inflated cover. Go through the company’s policy offerings to be sure exactly what you are covered for. The range should be extensive as the company should know and have addressed a range of pitfalls you may not have thought of.
4.Who underwrites and supports the company
Establish who your support company will be should you face a medical emergency or the need for evacuation. Most companies do not handle these highly specialised areas themselves but have aligned themselves with skilled and experienced worldwide organisations to ensure the best possible protection and support for their customers.
5.Does the company cater for varying needs?
Does the company provide a one size fits all policy? Beware, you may be paying for cover you don’t need or be under insured in some critical areas. Look for a company which provides a range of covers including NZ only travel policies, backpacker, group or duo options, long stay, one way or gap insurance and more.
5 Points To Consider
1.The cost of the policy could be more than what you pay
When reviewing the policy options never start with the price first. As with most things in life you get what you pay for and while you want to be sure to get the best value for your money, this does not necessarily mean the cheapest price. Comprehensive cover that delivers and supports in time of need is what you should be looking for.
2.What back up do you receive in an emergency?
Are you being sent on your world tour with a 9 to 5 Monday to Friday contact number or are you provided with fully comprehensive numbers providing 24/7 contact and support, reverse charge options and 0800 numbers.
3.What is included as standard in your policy
Some companies come in with a low rate and then charge extra for every doorknob eventually leading to over inflated cover. Go through the company’s policy offerings to be sure exactly what you are covered for. The range should be extensive as the company should know and have addressed a range of pitfalls you may not have thought of.
4.Who underwrites and supports the company
Establish who your support company will be should you face a medical emergency or the need for evacuation. Most companies do not handle these highly specialised areas themselves but have aligned themselves with skilled and experienced worldwide organisations to ensure the best possible protection and support for their customers.
5.Does the company cater for varying needs?
Does the company provide a one size fits all policy? Beware, you may be paying for cover you don’t need or be under insured in some critical areas. Look for a company which provides a range of covers including NZ only travel policies, backpacker, group or duo options, long stay, one way or gap insurance and more.
Sunday, November 22, 2009
Insure Yourself Against the Airlines!
There are few people (apart from those who can afford to travel first class!) who can claim to really enjoy the process of travelling by air. Airports are crowded, there are inevitable queues, waits and delays, and flying itself has none of the romance or glamour of a long train ride or a road trip. Yet if you don't get at least cheap travel insurance, your experience of air travel could go from it being a chore to a catastrophe.
Most people think of their travel insurance as being for protection whilst they are at their destination rather than before they even arrive, but the airline industry is finding itself in an increasingly precarious position. Aggressive price cutting, rising running costs and falling demand has proved to be a deadly combination. There have been some notable collapses of budget airline operators (most famously XL), and even the big companies are feeling the pinch, with BA posting a record loss of almost £300 million in six months in 2009.
If you skip out on even cheap travel insurance, you could face one of these airline related disasters...
Strike!
As airlines face cut backs, staff get unhappy. Loss of profits typically means redundancies and pay freezes, and these can lead to strikes and staff walkouts. BA has already experienced its share of employee unrest, with plenty more expected during the crucial Christmas break. Some strikes are planned weeks or months in advance, giving you a chance to amend your travel plans, but wildcat strikes happen with no warning, and can seriously leave you in the lurch.
If the staff strike and your flight is delayed or cancelled, you'll face some impressive costs unless you've got some cheap travel insurance to cover things.
Lost Luggage!
Everyone has heard horror stories of luggage going missing, and while the chances of this happening are relatively rare, decreasing numbers of staff at airports mean that mistakes are more likely to happen. Considering the kind of valuables that people are increasingly travelling with, such as laptops and digital cameras, it simply isn't worth the chance of facing yet another Terminal 5 style luggage debacle. Travel insurance will reimburse you if you lose your luggage and given how valuable most luggage is, it's a price well worth paying!
Stranded!
Few people think about the flight home as a time when problems are likely to arise...but what if the flight no longer exists? As the collapse of XL showed, airlines can go under with very little warning. If your airline suddenly goes bust, your flight home will disappear with it...and if you don't have travel insurance, you'll have to foot the bill for replacement tickets yourself.
Travel insurance should always be an essential purchase for any holiday, but with the airline industry as whole in such dire straights, it simply doesn't pay to go uninsured. Cheap travel insurance is widely available online at impressively low prices, and it offers good levels of protection against lost luggage, flights that are delayed or cancelled, and even airline collapses.
Patrick Chong is the Managing Director of Journey's Travel. Their consumer travel insurance website, Insuremore, offers cheap travel insurance for families, couples and singles with a quick and easy online claims feature.
Article Source: http://EzineArticles.com/?expert=Patrick_Chong
Most people think of their travel insurance as being for protection whilst they are at their destination rather than before they even arrive, but the airline industry is finding itself in an increasingly precarious position. Aggressive price cutting, rising running costs and falling demand has proved to be a deadly combination. There have been some notable collapses of budget airline operators (most famously XL), and even the big companies are feeling the pinch, with BA posting a record loss of almost £300 million in six months in 2009.
If you skip out on even cheap travel insurance, you could face one of these airline related disasters...
Strike!
As airlines face cut backs, staff get unhappy. Loss of profits typically means redundancies and pay freezes, and these can lead to strikes and staff walkouts. BA has already experienced its share of employee unrest, with plenty more expected during the crucial Christmas break. Some strikes are planned weeks or months in advance, giving you a chance to amend your travel plans, but wildcat strikes happen with no warning, and can seriously leave you in the lurch.
If the staff strike and your flight is delayed or cancelled, you'll face some impressive costs unless you've got some cheap travel insurance to cover things.
Lost Luggage!
Everyone has heard horror stories of luggage going missing, and while the chances of this happening are relatively rare, decreasing numbers of staff at airports mean that mistakes are more likely to happen. Considering the kind of valuables that people are increasingly travelling with, such as laptops and digital cameras, it simply isn't worth the chance of facing yet another Terminal 5 style luggage debacle. Travel insurance will reimburse you if you lose your luggage and given how valuable most luggage is, it's a price well worth paying!
Stranded!
Few people think about the flight home as a time when problems are likely to arise...but what if the flight no longer exists? As the collapse of XL showed, airlines can go under with very little warning. If your airline suddenly goes bust, your flight home will disappear with it...and if you don't have travel insurance, you'll have to foot the bill for replacement tickets yourself.
Travel insurance should always be an essential purchase for any holiday, but with the airline industry as whole in such dire straights, it simply doesn't pay to go uninsured. Cheap travel insurance is widely available online at impressively low prices, and it offers good levels of protection against lost luggage, flights that are delayed or cancelled, and even airline collapses.
Patrick Chong is the Managing Director of Journey's Travel. Their consumer travel insurance website, Insuremore, offers cheap travel insurance for families, couples and singles with a quick and easy online claims feature.
Article Source: http://EzineArticles.com/?expert=Patrick_Chong
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