Why you should take out travel insurance

Nov 18, 2014 by

Why you should take out travel insurance

There are many reasons why we should buy travel insurance, all of which have been well documented.  Unfortunately, many people either don’t want to buy travel insurance, or forget to buy it before they travel. In fact, as long as you haven’t left the UK, you can still buy travel insurance and be insured whilst away. Travel insurance can be arranged on the day of travel and maybe cheaper if you can leave out the cancellation part of the policy.  The cancelation cover is usually not needed if you are at the airport or ferry terminal and about to leave. The cancelation cover will only come into force if you have to cancel your trip due to unforeseen circumstances such as ill health which prevents you or anyone named on the policy from travelling or due to the death or near death of someone close to you, such as an immediate member of your family.

The cancellation cover on a travel insurance policy will not cover the full cost of the trip if you have only paid for the deposit or a couple of down payments towards the total cost. You will only receive the amount you have paid minus the excess payment due if there is one. The excess payment can vary greatly depending on the type of policy and the cost of the insurance cover. There can be an option to allow an excess payment to be doubled and this will make the overall cost of the policy cheaper.  If the typical excess is £50.00 you would pay £100.00 towards each claim, if your claim is successful and the underwriter agrees to pay an amount, the excess amount will be deducted from the award.  Some insurance policies will allow customers to waive an excess fee; this would make the policy more expensive. The curtailment cover on a travel insurance policy relates to the circumstance in which a person has to cut short a trip.  The reason for cutting short a trip is usually due to the unforeseen sudden illness or death of a close relative of anyone named on the travel insurance policy. The policy holder will need to remember that if a relative is very ill before the trip is booked, the cancelation or curtailment part of the policy will not be valid.

The part of the policy that relates to sporting activities will detail the exact level of cover should any accidents occur whilst taking part in a particular sporting activity. Some sports have limited cover and this will be made clear in the policy wording. The ‘Personal Liability’ part of the cover may not apply to the more risky sporting activities such as jet skiing or go karting, whereby an accident involves another person.

A travel insurance policy should include cover for repatriation. This is very important when considering what would happen to you if you became so unwell you needed to be bought back to the UK immediately. A good policy will also include the cover for another person to travel back with you if you are on holiday together.  A medical professional such as a specialist nurse should also be available if needed during the flight.

The average travel insurance policy will have various additions that you can add on if you need to.  This is particularly important if you are going on a business trip and need to insure samples or computer equipment adding Business Cover on to your travel insurance policy may only cost a few £’s but can make all the difference.

The type of holiday or trip you are making will give an indication as to the type of cover you will need to buy. The winter sports holiday will require a different level of cover to a beach holiday. Taking out a Travel Insurance policy specifically with cruise cover is usually a requirement with cruise companies. They will expect you to have the correct cover and will often want to know in advance who your medical assistance company is. Cruise travel insurance can however often be included in your policy as standard.

To find out more about travel insurance we suggest you read the Foreign and Commonwealth Guidance on Foreign Travel Insurance.

Then you just need to buy some insurance and we suggest you get some quotes from comparison websites and direct companies.

Moneysupermarket.com

CheapTravelInsurance.com

PostOffice.co.uk

CompareTheMarket.com

 

 

 

 

 

 

 

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When In China Have Your Horoscope Checked by the Masters

Nov 17, 2014 by

When In China Have Your Horoscope Checked by the Masters

There are no two ways about it – today China attracts a large number of tourists yearly who visit the country and enjoy its culture, history and Chinese astrology. China is known to be one of the oldest civilizations of the world whose culture has not remained confined to China but has also dominated large geographical regions of Eastern Asia. China has been a country tolerant of several religions right from ancient times. Confucianism is the country’s indigenous religion and has the popular support of the citizens of the country.

A recent survey has revealed that 85% of Chinese people practice religion or have some religious beliefs. 185 million people in China believe in Buddhism and only 33 million have faith in Christianity. This brings us to a conclusion that Buddhism is the most widely practiced religion in the country. Buddha, the founder of Buddhism is also known to be the founder of Chinese astrology.

What Is A Chinese Horoscope?

There is no denial that man has always wanted to know what the future holds for him. It is for this reason that astrological products and horoscopes have always been hugely attractive, none more so than in China.

Although Chinese astrology is based on traditional astronomy and calendars, Chinese horoscopes do not take into account the positions of the sun, moon and planets at the time of birth of a child. Chinese astrological predicting has a close relationship with the three harmonies namely haven, earth and water. The philosophy behind the these horoscopes is largely linked to influences like the Yin Yang, teachings of Wu Xing, five elements theory, lunisolar calendar and so on.

Chinese astrology determines the common Chinese zodiac signs which represent twelve types of personality. The Chinese zodiac is divided into a 12 year cycle of phases in which each year represents an animal. Each animal has different characteristics which, it is said, determine the mental and physical attributes of a person born under that sign. When you are in China, you can expect people to ask you which animal year you belong to rather than asking your age to assess your attributes. The animal of the year you were born in foretells the abundance or lack of happiness in your life.
Reasons For The Popularity Of Chinese Horoscopes

This ancient form of astrology has been in use in the Orient for thousands of years and is referenced by many people around the world, even today.

One of the aspects of Chinese horoscope is Feng Shui which is based on the energy of the elements. These elements are earth, water, fire, air and ether. Feng Shui has gained wide acceptance as a science that dictates ways and means of channelizing and absorbing vital energy. Yin and Yang determine the balance and harmony in one’s life. Any imbalance between the energy of these five elements and Yin Yang results in negativity in life.

The Chinese astrological insights have been found to be extremely reliable in determining the character of a person and his or her talents and biases.

History of Chinese Astrology

Given the fact that Buddha and his teachings have the widest influence on Chinese culture and spirituality, it is no surprise that the legend that is most widely accepted as the origin of Chinese horoscope relates to Buddha. According to the legend, Buddha invited all animals in the world to a feast. However, only 12 animals namely the rat, the ox, the tiger, the rabbit, the dragon, the snake, the horse, the sheep, the monkey, the rooster, the dog and the pig arrived for the feast. Buddha decided to name the years after them in the same order as they arrived. This is how the twelve year cycle came into existence. The cycle is repeated after every twelve years making every year symbolic of an animal. The Chinese person believes that the traits and personalities of people born in these years are influenced by these animals.

The second widely accepted legend behind the Chinese horoscope relates to the Jade Emperor. It is said that the emperor held a swimming competition to select the animals for naming the zodiac. However, this story has several variations many of which are not even known to the common folk of China.

It is not an overstatement to suggest that the Chinese horoscope has gained wide popularity among the masses, not only in China but in other countries as well. It has amazed and entertained people for thousands of years and still continues to do so. If you also wish to experience that which has made top Chinese horoscope readings popular across the globe, visit China and enjoy a Chinese horoscope consultation.

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How to capture your travel memories in style

Oct 3, 2014 by

How to capture your travel memories in style

A vacation, by definition, is something that passes, so it is a great idea on those trips that you enjoy so much that you want to remember them for a long time. You also want to take plenty of pictures of the best bits to keep them alive in your memory.

The changing face of photography

Taking a picture used to be a lot more difficult, requiring a camera, flash unit, different lenses, and rolls of film. Nowadays, however, technology has made the camera not only smaller and easier to carry around, but digital. Gone are the rolls of film or the need for an outside party to develop the prints. You can take a photograph, look at it on the digital screen and decide straightway whether it is worth keeping or not. Of course, with the smartphone, you do not even need to have a separate camera.

The first step to achieve good photographs is to get as close to your subject as possible to ensure that the viewer’s attention is focused on the camera rather than the surroundings. If you pull back too far, you are in danger of filling your photograph with wasted space. If you are taking a shot of a person or people, being closer also has the advantage of allowing you to see facial expressions that help capture the mood of the moment.

Lighting is very important in achieving a good photograph. Consider where the light is before you snap away, whether you are using natural light from the sun, or artificial light from a flash or a lamp. Consider how the light affects your subject, whether it causes shadows that are unflattering to the face, or highlights an area in an interesting way.

If you want to be good at anything, the key is to practice. So to make sure your holiday snaps are as good as they can possibly be, practice at home and it is possible that as you practice, you develop a particular style of photography that becomes inherently ‘you’, making your final photographs that much more original. The other element that may help you to take quality pictures is not a fabulously expensive camera, but knowledge of techniques and tricks that you can pick up from photography books written by experts.

You should also consider that your vacation photos may have a life outside of your computer or family circle. High quality photographs are always in demand, as they are often used to illustrate newspaper or magazine articles, add interest to websites, or serve as ebook covers. You can make money with your super snaps by submitting them to websites dedicated to holding Stock Photos & Images. Every time someone buys your photograph for his or her own use, you receive a royalty payment.

Anyone can take a photograph, but it takes some skill to take a picture that not only captures the moment but also stimulates positive memories later on. Achieve this by doing some research and setting the scene before taking your pictures.

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Exotic beach wear for the body confident male traveler

Oct 3, 2014 by

Exotic beach wear for the body confident male traveler

Nobody knows whether it is due to increasing equality between the genders, time spent in the gym, or simply fashion, but it is clear that when it comes to beach wear, and under garments, men are getting braver. Much braver.

Global trend

While it has been acceptable for many years for women to sunbathe in thongs and little else, male beachwear has tended to be more conservative. However, on beaches across the world you can now see plenty of men, of all ages, in thongs and other exotic beach garments. These men are minimizing their clothing in order to maximize their tans – and impress onlookers.

This change is echoed underneath day-to-day clothing, too, as men worldwide are moving away from traditional underwear towards skimpier and/or more exotic items. In fact, in much of the world men are taking more of an interest in (their own) underwear than ever before.

In some countries, such as Italy and France, men have favored body-enhancing underclothes and swimwear for a while, but in recent years the trend has become truly global. Where has this huge change in fashion focus come from? Nobody can say for sure, but since many men are now taking more care of, and pride in, their bodies than in previous decades, perhaps it is partly driven by an increase in self-confidence.

Something for everybody

It is true that a certain amount of self-confidence is required to wear some of the smaller male thongs available, but because there has been a huge increase in sales of, and interest in, male underwear and beach wear recently, there is now something on the market for pretty much everybody.

Join the trend

If this trend appeals to you, there is even more good news – creating a fashionable collection of beach and under clothing does not have to be expensive. Right now, online, you can find some great deals on men’s lingerie thongs included.

Of course, there are some potential drawbacks. Many modern men are well traveled and sophisticated enough to appreciate the need to dress appropriately for the place and company they are in. However, some advice deserves repetition: beach wear is for the beach.

While wearing a thong on the beach is absolutely fine and entirely appropriate, wearing it away from the beach (at least without the benefit of other clothing on top) may not be. In some parts of the world – even the most apparently permissive – wearing skimpy beach attire in other public places can draw angry looks at best, and the attention of the authorities at worst. Nobody wants to offend their fellow sunbathers or holidaymakers, so always take a cover-up when you venture out and do not forget to wear it before leaving the shoreline.

That said, as more and more modern men are realizing, time and fashions are changing fast. So if you – and/or a man you know – are heading off to the beach any time soon, why not invest in a selection of exotic beach wear? After all, who wants to miss out on a fashion that can be so much fun?

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Relax In the Peaceful Norfolk Countryside

Sep 27, 2014 by

Relax In the Peaceful Norfolk Countryside

Whether you are travelling to the gorgeous county of Norfolk for business or pleasure, you will need somewhere to stay.

What Do You Want From Your Visit?

When you begin your search for a hotel regardless of location, you will have certain criteria in mind that you are trying to match in order to give you the most comfort whilst away from home. It could be that you are in search of luxurious, stylish accommodation, or perhaps somewhere that offers gourmet cuisine in an award winning restaurant. It could be that you are looking for a hotel that has luxurious spa facilities where you can treat yourself to a massage, manicure, pedicure or invigorating facials in your leisure time.  It could be that you are looking for the opportunity to partake in a game of golf on a championship course. Alternatively you could be looking for a venue that would be suitable for holding a business event or even your wedding reception, and although it may take some time to find exactly what you need, Norfolk offers all of the above and more.

Activities

If you’re looking for a stay with the option of a spot of gentle exercise, or the perfect activity for a break between meetings, what could be better than finding a hotel that is home to two of the finest golf courses Norfolk has to offer? Look no further than Barnham Broom to provide a spectacular golfing experience for golfers of all abilities. The hotel overlooks somewhere in the region of 300 acres of countryside, so you will be assured of a golfing experience like no other.

The golf courses open from 7am during the summer months and 8am at all other times of the year meaning that you will have plenty of opportunities during the day or evening to fit in a game. Choose from the Valley Course or the Hill course; both require different skill sets but each offers an abundance of challenges and guarantee an enjoyable round in one of the most scenic settings you could wish for.

There is the opportunity to enter competitions subject to availability or you can even take the time to improve your game with a lesson from the onsite golf professional. Alternatively you may just want to take advantage of some of the spectacular golfing offers that hotel guests are party to; regardless of your reasons, the golf courses on offer at the Barnham Broom will not disappoint, or break the bank!

Home Away From Home

It is true that staying away from home can have you missing your home comforts, and therefore a hotel that offers a true home away from home experience including the little touches that are often overlooked is going to be the top of your choice. There are many hotels in the area that you could choose from however the reviews from the Barnham Broom hotel show that it is a top choice for those looking for a truly amazing stay in a stunning location, whilst offering the ultimate in luxury located in a spectacular area of the world.

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