Travel Insurance 101 – Annual Vs Single Trip Holiday Insurance

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

Price

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

Convenience

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

Coverage

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

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

The Advantages And Disadvantages Of Week-long Holidays

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Traveling is an energy-consuming activity. After a week traveling, you will face post-holiday fatigue. You need time to recover. Otherwise, you can’t concentrate on your work. In this sense, I prefer shorter holidays.

Besides, during week-long holidays, you can visit museums, galleries and historical places, through which your horizons will be broadened.

But don’t forget that the tendency to forget what has been learned after a week-long holiday, especially English. During the week-long holiday, you will be addicted to TV show and forget your homework. It’s no good for your study. So we should have a shorter holiday.

The famous saying goes, “All work no play makes Jack a dull boy.” In fact, you can learn a lot in a week-long holiday. This is a good time to pursue your hobbies. I want to be a versatile person. I have several hobbies, but I don’t have enough time to do them because of the heavy burden of my study. I think a week-long holiday is a perfect time for me to pursue my hobbies.

But pursuing hobbies needs money. For example, if you want to travel, you must have a lot of money. I don’t think it’s necessary to spend a lot of extra money on week-long holidays.

If you don’t want to spend extra money, you can just stay at home reading your favorite novels, watching TV programmes or visiting friends. And it is a good time to get in touch with friends.

So I think the advantages of week-long holiday out-weight the disadvantages, because you can take a better rest in a week-long holiday. And after the holiday, you will have more energy to study. In addition, after a long time, you need a week-long holiday to sit down and think about what you will do in the future. In this sense, week-long holidays are obviously better than shorter holidays.

Generally speaking, long time holiday makes people have more time to do what they like to do. They can spend the holiday traveling, going shopping, visiting friends, families or if they like. They can take some courses they are interested in.

Anyway, more spare time gives people a better opportunity to enjoy life. On the other hand, lengthening certain holidays is also a good way to encourage spending. Since people have longer holidays, they get time to do a lot of shipping. Certainly they will buy more things. So lengthening certain holidays in some sense, promotes the development of the economy.

Copyright (c) 2010 Steven Jiang

Country Vacation Bandipur Is The Right Destination For You

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If you love adventure, if you love Jungle, wild animals then Country vacation Bandipur is the right destination for you. A weekend trip to Bandipur National park will surly boost your adrenaline. Bandipur country vacation offers wide variety of adventurous activities. Country vacation Bandipur is refreshing and peaceful retreat for people who are tired and bored by the busy city life.

Situated at the verge of the Bandipur national park, Country vacation Bandipur wldlife resort is encircled by hills, dense forest and a tribal village. The resort has exotic feel to it. Keeping the real flavor of the jungle alive the architecture and interiors of the resort will make you feel you are actually living inside the forest.

Country vacation Membership allows its members to avail discount on many facilities at country club resort. Ayurvedic massage at the resort is one of the best and world class service offered to guests. If you love swimming after enjoying the massage then you can do so because here in the middle of the jungle the Country vacation Bandipur resort has arrangement of the swimming pool. Country vacation Bandipur resort has many indoor, outdoor games for their members. One can play the games of his choice.

The most fascinating part of Country vacation Bandipur is the jungle Safari. Watching tigers and leopards, sambhars and cheetal in the open jungle is like wildest dream. The jungle safari is arranged by forest department. You can go on jeep or van or you can ride on elephant. At Country vacation we chose the last option. Sitting on the back of the elephant and roaming inside the deep jungle exploring the wild forest is quite an experience. I think all the kids and students must try Country vacation Bandipur jungle Safari. Its a great learning experience as children mostly see these jungle habitats only on Television.

In the evening Country vacation resorts has arrangement for the bonfire party. The ambience here is so romantic, sitting around bonfire, with soothing music playing in the background, holding hands and chatting with your loved ones and people dancing to jungle tunes. Multi cuisine delicacies served at Country vacation Bandipur is simply divine. Inside Country vacation Bandipur resort the buffet dining system is an opportunities to interact with other guest at the resort.

Bandipur Country vacation gives you chance to visit tribal villages and to interact with the villagers, to know their culture. It is altogether a mind opening experience. The innocent and lovely villagers will recite their traditional stories to tourists. Village culture and its music is really memorable. .

If you love exploring the jungle, like Bird Watching, love adventure than you must give this Country vacation Bandipur one try.

The Perfect Vacation in Thailand

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Go on and have the perfect vacation in Thailand. Don’t just go to Thailand following the trail of one of your friends who has already been there. Don’t also go to Thailand on the advice of your favorite Tour Operator or as per what you have just read in one of the Tour Guides or brochures. Be different. Go and do some volunteer work in Thailand instead. Mind you when you go as a volunteer in Thailand, you get more bangs for your bucks! You get to see the true Thailand, not the sanitized version that’s presented to millions of tourists who have visited Thailand before you. When you wish to go as a volunteer in Thailand the true Thailand will open up in front of you, the rural Thailand that’s unseen by the outside world unless some like you who go over to do volunteer work in Thailand.

So, what kind of volunteer work can you do in Thailand? Do you have to be a professional? Could just anyone go? Will you get adequate time off from your volunteer work in Thailand to be able to see the country and its villages? When you wish to sign up as a volunteer in Thailand you could take any of the several options that are open to you. You could take up teaching and be engaged with little children who could be taught English by you. You could participate in Thailand’s medical program or one in childcare. If you are interested in animals you would surely enjoy working for the welfare of gibbons or elephants besides sea turtles and rescued dogs. You need not be an architect or an engineer but you could participate in Thailand’s building activities and help in building a school, a home or a place for putting up destitute kids. You could also help in community activities such as in vegetable gardens or mini fish farms. Generally, you will need to work for only four days a week, leaving you with a long weeked to explore the countryside or the surrounding mountains. The perfect vacation in Thailand beckons.

Myself webmaster of Starfish Volunteers ( ) – a growing ‘not for profit’ volunteer and gap year organisation providing volunteer opportunities, volunteer Thailand, volunteer travel, community volunteering and volunteer work in Thailand.

Spend your vacations with Caribbean Cruise bars in the beautiful city

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To add an adventure to the life and to pamper yourself in the soft basking sun, pristine beaches and rolling soft waves, the vacations must be planned at the most adventurous place for fun loving people. After a long tiring and hectic schedule or routine, people often look forward for the place where they can spend their holidays by getting relax and forgetting about their work. Often, people gets perplexed in choosing the right the destination where they can enjoy with a perfect mood without any trouble or irritation.

There are many websites where the list of destinations that offers variety of facilities which also allows the people to relax in the party mood. A bar is the right place where the people can relax or they can spend their evening with their friends and special ones. There are many services available within these pubs and bars that can make tourists feel very relaxing like tempting cocktails, fuzzy mock tails, foot tapping music, silent corners and lots of things for entertainment.

A bar like Caribbean bars Shoreditch is a place that can be considered as the perfect place where people can forget all their tensions and worries. This place is so special that the energy will boost up with up with perfect drinks so that one can return to their work with a peaceful mind. The drinks that one can enjoy are available within these bars like fine scotch, wine and also there are some drinks that suits to everybody pocket.

Rum bars Shoreditch is one of the most popular bar that is considered as the right place for fun. Those who do not care for their expenditures can pick their kind of drink from these types of bars and can chill with their friends in such a place. In Cocktail bars Shoreditch there are special night events organized in which you can spend your whole night as the place will give you the comfortable environment.

A tourist with a small or limited budget can always choose and pick out the varied bars according to their choice. It goes without any doubt that the life in London is some of the perfect ones in the world. There are many nightclubs, exclusive cocktail bars, live music venues, quite inns and many more places to enjoy. The Cocktail bars City of London is so exclusive that people can do some great star spotting as very often the celebrities usually visits there.

Rent Holiday And Luxury Villas

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Ko Samui boasts of having some of the finest, comfortable and luxurious rent holiday villas that can hardly be found elsewhere in Thailand. Koh Samui is situated in the gulf of Thailand and being the most popular and sought holiday destination, offers the best rent holiday villas and rent luxury villas. Samui holiday homes provide an exciting range of private luxury villas and rent holiday villas where your vacation will be in absolute comfort, style and privacy.

Providing private swimming pools, panoramic or beachfront sea view and hill side locations, the rent luxury villas of Samui provide you with the ultimate holiday experience. A rent holiday villa is ideal for weddings, honeymoons or celebrating life with friends. All the holiday villas of Ko Samui provide daily maid service and the choice of catering will be entirely yours. To enhance the facilities on your vacation, the villas also provide car hire, weddings, boat charters and tours in the services section. Be ready for the holiday at its best in a rent luxury villa and you can choose a private villa accommodation for your next vacation on the idyllic island, Ko Samui.

The rent holiday villas and the rent luxury villas offer some of the outstanding facilities that are completely luxurious and inexplicably stylish.

Four bedroom home
Spa and privately screened swimming pool
Master suite including a queen size bed and two large W.I.C.S
Master bathroom with a separate shower stall and garden tub
Fully equipped kitchens with formal dining area and breakfast area
Exclusive Thai cuisine
Living rooms with T.V sets and DVD players
Games room with billiards table
Washer and dryer

The rent luxury villas consist of gorgeous and ostentation ambience. They offer fantastic view of the natural surroundings of Koh Samui. The villas are located along the most popular beaches here and they are armed with unforgettable activities, restaurants, night life etc. that surely will make your vacation memorable.

Puerto Vallarta, Mexico, An Ideal Hotspot for Winter Vacations

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Puerto Vallarta, Mexico, An Ideal Hotspot for Winter Vacations

Here at Serenity Vacations, we are excited to bring you this article about one of our favorite winter time vacation destinations, Puerto Vallarta, Mexico!

PUERTO VALLARTA, MEXICO

This Mexican seaside paradise has something special for everyone, with a wide variety of attractions and entertainment options. There are cultural events and exhibits, exciting day trips to the jungle, relaxing days at the beach, and countless romantic hideaways to explore. Immeasurable activities, both on and off the water, will keep you entertained until it is sadly time to depart. Night life abounds with many popular night clubs and an array of quality restaurants to please even the most discriminating palette. Puerto Vallarta is yours to savor.

Well known as one of the friendliest and most diverse beach destinations in the world, it is also the most well-kept beach area in all of Mexico. Now a world-class modern destination, it still has retained most of the quaint charms of the original fishing village it once was. The cobblestone streets and bell tower architecture are part of the mystery and romance of the scenery. Donkeys are still used for delivery in many parts of this unique city, and many of the crafts available here are made by local Indians using the same methods for hundreds of years.

This area enjoys over 300 sunny days a year; and with temperatures averaging right around 83 degrees, its perfect for the seemingly endless number of beautiful beaches. Choose from wide-open soft, white, sand beaches to picturesque rock surrounded coves. The most popular beach is Los Muertos, just south of the Rio Cuale, in Old Town. Weekends at this beach are fantastic. The beaches just north, on the road to Punta de Mita, are full of quaint beachside restaurants featuring an array of delicious fresh seafood. The southern beaches, like their northern partners, are beautiful and usually much less crowded.

When youre here, make sure to charter a “Pangas” to go fishing. Almost everyone will catch something. The waters are abundant with sailfish all year long and other species more seasonal. Or if serious shopping is your game, this area is a dream come true. There are specialty shops galore lining virtually every street in the downtown area (where English is widely spoken). There are outdoor markets, flea markets, shopping centers, small indoor centers, and everything in between.

Serenity Vacations is happy to provide this information and if you have any questions feel free to visit our website by going to www.serenityvacationsblog.com.

Selecting a luxury holiday destination

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Long haul holidays offer something special to us Brits as we discover the beauty of a destination that is completely different to ours. We may be travelling to a tropical paradise for a wedding or honeymoon, or maybe for a romantic break to one of the world’s most luxurious resorts.

But, when we have to choose the actual destination things start to get a little complicated. Consider arriving in the hurricane season for a honeymoon or making your wedding vows in the extreme humidity and heat of the Far East. Planning ahead is essential to successfully chose the right long haul destination and the weather and activities available need to be carefully researched.

Some will have a fixed date of travel whilst others will have the flexibility to select a destination first and then decide on the best time of year to travel. Feeling a little overwhelmed already, then take a look at the handy charts below. Each month has recommended long haul holiday destinations taking into consideration low or moderate humidity, low chances of rainfall and temperature that will on average not exceed 30C.

Once you have narrowed your possibilities you can also review some of the most popular activities in available to ensure the holiday you select matches your personality.

The Caribbean islands include Antigua, Barbados, the Bahamas, Dominican Republic, Jamaica, British Virgin Islands, Cuba and St Lucia.

The African continent includes holidays in Kenya, Botswana and South Africa.

The Far East presents Vietnam and Thailand, which individually contain the popular resorts of Phi Phi, Phuket and Koh Samui.

Popular honeymoon destinations include St Lucia, the Seychelles, Maldives, Hawaiian Islands and Mauritius.

Other top long haul holiday destinations include Hawaii, Dubai, Oman, Mexico, Bali and Egypt Sharm El Sheikh

Activities you can do on your Norfolk Broads boating holiday.

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When you are planning a Norfolk Broads boating holiday one of the main components of your planning is to plan the route you wish to travel. Take a look at the possibilities.

Before we start the journey we need to focus on the origin first. Even though the broads look totally natural it is actually mostly man made and the result of years of peat digging. Funny though it took until the 1950’s to be discovered that this was due to digging and not natural when a doctor doing research on the lakes found that the sides where vertical. The other obvious clue is the name, most natural lakes and river systems have names that stems from historical languages or names, with the broads this is not the case. This is some interesting facts you can use as a taster while you are planning your Norfolk Broads boating holiday.

The broads consists of almost 300 km of free flowing rivers that provide the perfect opportunity for a grand adventure. The Broads are normally divided in the Northern and Southern parts.

Activities around the Broads

1) Cycling. cycling gives you the ability to explore and breathe in your surrounds as you travel through the landscape. One of the benefits of a boating holiday is that you can rent bicycles that you can take on board and use them for cycle routes. There are three cycle routes you can enjoy on your Norfolk Broads boating holiday. One of those are the Sustrans National cycling network, that includes the child friendly Marriott’s Way and the more advanced Peddars Way

2) Golf. Golf is a fun way, to create a great family experience while on holiday, not only is it relaxing it is healthy too. Most golfclubs have rental golf sets available that means you do not have to take it along on your boat. With loads of golf courses to choose from for every skillset you are sure to add an unforgettable experience to your

Norfolk Broads boating holiday.

3) Walking.Having no less that four different types of landscapes to boast with makes the broads an excellent area for walking and hiking. You will find Fen, Forrest Country and coast all wrapped up in a single package. Hiking routes in the broads can be anything from 1 to 78 miles long challenging walkers of any age and fitness.

4) Fishing. Fishing is a favoured activity in the broads, you can sit on the deck of your boat with a long drink in one hand while you reel the big ones in. other than fishing from your boat there are also day fishing spots available in the smaller rivers where you will even be able to hook some Bass. Reeling in the big one will leave you with a great story to tell of your Norfolk Broads boating holiday.

Renting Out a Vacation Home

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Tax rules on rental income from a vacation home can be complicated, particularly if you rent the home out for several months of the year, but also use the home yourself.

There is however, one provision that is not complicated. Homeowners who rent out their property for 14 or fewer days a year can pocket the rental income, tax-free.

Known as the “Master’s exemption”, because it is used by homeowners, near the Augusta National Golf Club in Augusta, GA who rent out their homes during the Master’s Tournament (for as much as $20,000!). It is also used by homeowners who rent out their homes for movie productions or those whose residences are located near Super Bowl sites or national political conventions.

For instance, if you live close to a vacation destination such as the beach or mountains, you may be able to make some extra cash by renting out your home (principal residence) when you go on vacation–as long as it’s two weeks or less. And, although you can’t take depreciation or deduct for maintenance, you can deduct mortgage interest and property taxes on Schedule A.

In general, income from rental of a vacation home for 15 days or longer must be reported on your tax return on Schedule E, Supplemental Income and Loss. You should also keep in mind that the definition of a “vacation home” is not limited to a house. Apartments, condominiums, mobile homes, and boats are also considered vacation homes in the eyes of the IRS.

Further, the IRS states that a vacation home is considered a residence if personal use exceeds 14 days or more than 10% of the total days it is rented to others (if that figure is greater). When you use a vacation home as your residence and also rent it to others, you must divide the expenses between rental use and personal use, and you may not deduct the rental portion of the expenses in excess of the rental income.

For example, let’s say you own a house in the mountains and rent it out during ski season, typically between mid-December and mid-April. You and your family also vacation at the house for one week in October and two weeks in August. The rest of the time the house is unused.

The family uses the house for 21 days and it is rented out to others for 121 days for a total of 142 days of use during the year. In this scenario 85% of expenses such as mortgage interest, property taxes, maintenance, utilities, and depreciation can be written off against the rental income on Schedule E. As for the remaining 15% of expenses, only the owner’s mortgage interest and property taxes are deductible on Schedule A.

Questions about vacation home rental income? Give us a call. We’ll help you figure it out.