The Benefits of Holiday Travel Insurance

Tourism is a growing industry worldwide. So are undesirable things like terrorism, flight crashes, accidents, wars, disease, natural calamities etc. Any experienced traveler can tell you that travel is full of uncertainties. But it is not possible to sit at home afraid of calamities. Holiday travel insurance is one way of mitigating the financial risk of such unforeseen events or calamities.

There are a variety of holiday travel insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most holiday travel insurance policies have certain basic benefits which are common. Holiday travel insurance policies usually provide coverage for:

Trip cancellation/interruptions. Trip cancellation/interruptions due to a variety of reasons like death of an immediate family member, weather, sudden illness, bankruptcy of airliner, jury duty, terrorist activities etc.

Medical costs. Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to nearest medical facility.

Accidents. Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US.

Baggage Loss. Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics.

All the above-mentioned costs are borne by the travel insurance company depending upon the travel insurance policy. Before purchasing the policy read the fine print carefully, especially the parts covering, deductibles, co-insurance, specific limits, exclusions, hotline numbers and emergency services. Purchasing a policy for a family works out cheaper. Purchasing a policy online also works out cheaper as you do not have to pay for the insurance agent.

Black Friday for Beginners: How to Survive the Busiest Shopping Day of the Year!

What is Black Friday?

Perhaps the most popular shopping day of the year, the day after Thanksgiving (Friday) is named “Black Friday” because this is the day that most retailers go from being not profitable (red on earnings statements) to profitable (in the “black” on earnings statements.) Deal finders love these sales, and I have been going for a few years now. Generally speaking, I love Black Friday, but with the birth of my new son, it doesn’t seem practical to get up at 4:00 in the morning to find these great deals!

Here is the strategy I have used to be successful in getting every item on my wish list:

1. Get the ads – Either online or the day that they come out in the paper, grab all the ads from the papers and sit down with a pen and paper. Remember that rural areas don’t often get all the ads from the retailers, so if you are missing one from a store you want to shop, you can probably go online and get one from them at their website directly.

2. Ad by ad, circle the items that you want the most. Remember that many stores will be offering the exact same items on sale, so price compare. I use 3×5 cards to make a list for each store on each card with the items I want for that store. Group them by department if you wish for easier navigation in the store.

3. Make note of the times that the stores open on each note card. The strategy will be to go to the stores that open earliest first, and so on so that you can grab those best deals as they become available.

4. The day before the sale – Lay out your clothes, wallet, notecards, and a quick breakfast bar or other item to snack on before you go or on the drive. Remember that it may be very cold at 4a.m. where you live, so dress warmly. Avoid bulky coats if you can (dress in layers), as you will not have room in your cart to stash your coat, and it will get very, very hot waiting in those lines.

5. The day of the sale – Hit the road with your best co-shopper. This works best with a friend.

6. Hit the earliest store first. Try to get there at least 10 minutes before the store opens. You will possibly have to wait in line, but get in there. When you door opens, never push or shove other shoppers. In fact, if it is overwhelming for you, hang back a bit and let the most aggressive shoppers through first. I usually wait casually until the rush gets in, and if there is already a cart or two in the parking lot, grab them! There will be a mad dash for carts that will cause the biggest confusion. (Sometimes they run out of carts.)

7. Head for each item on your list. Most of the really good early sales (those listed for opening until about 11 a.m. only) will probably be out in the aisles for easy access. If you find an item on your list that is hard to get to (due to crowds or narrow aisles) have one of you wait by the carts and the other grab the item. This teamwork approach works great for “divide and conquering.”

8. When you are about done, try to combine all items into one cart and head for the check out line. One of you wait in line while the other roams the store for any missed deals. Check out and head for the next store on the list!

9. Don’t forget to get some breakfast, coffee and bathroom breaks as needed. Don’t let the experience stress you out! After all, you are getting some great deals.

10. And last but not least, DON’T FORGET GIFT RECEIPTS! These are very important to have if you are claiming any rebates.

If you get home and want to venture online, many stores will be having some or all of their sale items online, too! You may find that this approach works best for items where you only have one thing to get at a retailer and it is not offered exclusively during that “early bird” morning window.

Once you go shopping with a plan in mind, this shopping holiday can become a favorite shopping tradition. Happy deals to everyone!

Planning “The” Holiday Party

When getting together with family and friends over the Holidays you want to appreciate the people you have in your life. You can show them how much you appreciate them by preparing a great Holiday Party.

The majority of people these days celebrate all kinds of Holidays and with those different holidays come different kind of parties. For instance barbecues and pool parties in Fourth of July, dinner parties on Thanksgiving while a Christmas party can be a Cocktail party. Holiday party planning is not much different then planning other types of parties. You still have to invite people and make sure that you have enough food for your guests. Consider the venue, renting tables or chairs and maybe buying party supplies. If you are planning a Christmas party not only do you have to think of the party but you also have to incorporate the gift shopping, holiday decorations and all the other Christmas preparations.So you can ask someone to plan the party with you or for you, like a party-planner.

When throwing a Holiday party the theme is already chosen for you. What you have to do is sit down and do some research and put the time and money into the little things that makes your party unique. Consider doing a fabulous invitation. Change it up. Why not buy a small gift for all your guests and wrap it as a gift with the invitation on it, then send it to their home. Especially around Christmas and Hanukkah time, it is a much appreciated and fun invitation. You can send the invitation rolled up and tied with a string. There are so many things you can do; it only takes a little imagination. At Holiday times you get away with having some imagination, making the silly or impossible, possible.

Everybody looks forward to Holiday parties, it is the few parties during the year that you can let loose and forget the daily grind and pressures of life. We all look forward to have a good time. I think it is fun to be the host especially when your well planned party sticks with people and as each year goes by they still remember your party, saying; “that was the holiday that we went to so and so’s place”.

Above all have fun and enjoy the company of friends and family.