You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.

 

What is travel insurance? Well there are two kinds of insurance to look at when traveling.

1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.

2. Travel medical insurance protects you against any medical expense while traveling.

 

Ideally, you need a combination of the two when traveling. 

 

Imagine these scenarios:

You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?

 

Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?

 

Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?

 

Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.

 

Every year the government deals with thousands of cases of travelers being injured, falling ill or dying overseas. This is a distressing situation for all involved, but made even worse when the travelers are not insured, often leaving them with huge bills to pay. Hospitalization in other countries can cost over one thousand dollars a day. Medical evacuations can be in the hundreds of thousands of dollars and if you die in Europe, it can cost over ten thousand dollars to bring your body back home. If you do not have travel insurance you have to cover these costs yourself (or your family will have to find the money).

 

Travel insurance is a cost you need to budget for. If you don’t take it out, your medical expenses could cost a whole lot more. Insure yourself and travel safe.

 

This article is brought to you by: Stuart S. Travel – Your Online Travel Guru

www.stuartstravel.com

If someone says to you “Cheap holidays” what do you instantly think of?  Is it a grubby 2 star apartment in the middle of nowhere or a relaxing holiday that is just what you are looking for?  Anyone who has never been on a cheap holiday before might be a little concerned about booking one (especially if they have heard some of the 80s horror stories about them) but there really is no need to worry.  Thankfully times have changed, and so have the cheap holidays that are now on offer.  With this in mind here is a beginner’s guide to cheap holidays that can help you to get the holiday you want at a vastly reduced price.

Cheap holidays are often offered by travel agents as the departure gets nearer and the full quota for the holiday has not been met. If you are prepared to wait a little you could get up to 50%, or sometimes even more off the price of a holiday to destinations all over the world.

Cheap holidays don’t mean cheap accommodation or resort. Holidaymakers who take advantage of low price holidays experience exactly the same holiday as those who pay full price for the same holiday.

Be prepared to do a little research when you are looking for cheap holidays, most travel agents will want you to book full price holidays and try to steer you towards them. However, if you have a limited budget for your holiday stick to your guns and you will be able to find a holiday that is perfect for you and your bank balance.

If you are quite adventurous you could even book time off work, pack your suitcase and head down to your local travel agent or go online and see what cheap holidays there are which depart in the next few days. Doing this can get you some amazing discounts – but you need to be ready to go literally anywhere in the world as there is no saying which cheap holidays will be available. So if you are looking for a particular type of holiday this might not be the best option for you.

Set a budget for the amount that you are looking to spend on cheap holidays and stick to it. If you go way over budget your cheap holiday might not work out to be as cheap as you had originally planned.

If you don’t find anything suitable at first, keep trying. Cheap holidays become available at a moment’s notice and sometimes you have to keep looking to find the best holiday deal for you.

Remember that cheap holidays give you exactly the same as a full price holiday and no one knows that you got your holiday cheaper than they did – unless you want to tell them that is!

So now that you have a little more information on how to look for and get cheap holidays the only thing left for you to do is grab your suntan lotion.

Ever thought of finding a job that would let you travel around the world (or at least a region!) and get paid for it?

Sounds great, right?

In theory, sure. But in reality, holding a traditional ‘travel job’ is oftentimes more frustrating and annoying than holding a ‘regular job.’

Here’s why:

You typically can’t experience the culture, activities, or people of the places you visit… because you’re busy working (and the work usually sucks)!

Even if you could do these things, you’d be hard-pressed to because you get paid pennies for your hard work.

Even if you made money, you can’t go to the places you want to. You go where you’re assigned or you get fired.

So, if you want to work like crazy and not even get to ‘travel,’ be my guest. Get a travel job.

However, if you WANT to earn a healthy income as you travel on your own pace and schedule, consider becoming a ‘traveling entrepreneur.’

No, you’re not selling snake oil or anything ridiculous like that. This is a simple method of using modern Internet technology to market products on the web… and get paid for doing so.

The products can be in ANY market you choose. A simple visit to Clickbank or Comission Junction will show you how many thousands of products are out there that you can get paid to promote.

Once you’ve found your high-payoff product, you simply promote the heck out of the product for a few hours a day (or per week!) online with some simple techniques like blogging, utilizing facebook, myspace, twitter, and other methods. It’s very easy to learn and simply takes your commitment.

If you get turned off by selling to your friends or multilevel, pyramid scheme marketing (MLM), then becoming an internet entrepreneur could be the perfect solution for you.

So, if you are OK with being told where to go, when to go there, what you do when you get there, and when you leave, then be my guest and get a travel job.

However, if you’ve ever thought about working from an internet café or from your laptop while anywhere in the world, you may want to consider joining the growing community of underground marketers who make money while they travel by utilizing the internet.

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