Thursday, November 1, 2012

Tips for managing your finances when away from home: Travel Blog plus 3 more

Tips for managing your finances when away from home: Travel Blog plus 3 more

Link to Travel Blog

Tips for managing your finances when away from home

Posted: 31 Oct 2012 06:11 PM PDT

If you’re going out of town for a while, especially out of the country, it’s important to make sure your money is managed. This means taking care of your bank accounts, credit cards and any other money matters you deal with on a regular basis. By taking care of this ahead of time you will be able to avoid international transaction fees and the drama of missed bill payments while you are away. You will also save a lot of time by preparing your finances early on.

The first thing you should do is set up online payments with each of the different bills you have. You can either do this by setting up bill pay through your bank or setting up electronic payments through the companies you owe. The choice is up to you and whichever way you prefer paying.

Make sure the payments are coming out of an account that is going to have money in it. For example, you should pay your phone bill or mortgage with the account that your paycheck is deposited into. Since your paychecks will automatically go into that account, you won’t have to worry about overdraft fees. If you don’t have automatic deposits for your checks, set this up with your employer and bank several weeks before you leave.

Have a person in charge of your bills to double check they are being paid. This should be someone you trust, like a partner or family member. You should also check your accounts online whenever you are able to.

Bank Account
Tell your bank you are going to be leaving to a different country or state. Most of the time their won’t be a problem conducting international bank transactions but If you don’t tell them about your travels they may call as a security measure to make sure your account is secure.

Also ask your bank what types of international fees they charge. While your bank might have low fees there are usually fees attached to international ATM’s.

If you only have one bank account, go and open a second one. This will protect you just in case your account were to be closed for any type of reason. The last thing you want is to be stuck in another country or state without a way to access your own money.

Having a stash of cash is always a good idea when travelling overseas and pounds, dollars, and euros are always easy enough to exchange. If you are going to a different country, exchange some money ahead of time so you have some local currency when you arrive. Once you are on the ground you can then get a feel for which exchange office is offering the best rate. If you travel often and deal in larger amounts of foreign currency you might want to consider offshore savings accounts as an option to manage your money.

Credit Cards
In addition to using your regular credit cards, consider purchasing prepaid travel cards as well. These are great for traveling internationally because they have the currency loaded right on them. These are particularly good if you want to set yourself a strict spending budget and it is handy to have in case you lose a card, but just be sure to carry them separately for that idea to work.

Tips for managing your finances when away from home from - Travel Directory

How to Carry on With Your Language Lessons on Vacation

Posted: 31 Oct 2012 07:06 AM PDT

If you are currently studying a second language then going abroad on vacation is a wonderful way of carrying on learning. Of course, this will only help you if you go about things the right way, so let's check out a few tips.

Choose the Destination Wisely

It seems pretty obvious that you will want to choose a destination where the language you are learning is spoken. However, you might have more than place to pick from. For example, if you are learning Spanish you could pick from Spain as well as most of the countries in Latin America and even one in Africa. Some of the accents might be easier for you to understand than other and this is definitely one of the points you need to investigate and think about.

Talk to People

Once you get across there is won't do you much good to stay in your hotel room and not talk to people. You should get out and about as much as possible. As you speak the local language you can also get off the beaten track and explore places which other tourists don't usually get to and where there won't be many restaurant menus in English or hotel receptionists who speak it either.

Don't Get Frustrated or Lose Confidence

One of the most difficult parts of learning a new language is that it can be very frustrating when you make a mistake or forget a word. If this is the first time you have used the tongue in a natural setting then it could be easy for you to lose confidence in your ability. However, you have to be strong and try to stay positive even if it is more difficult than you had at first expected it to be. You will get there in the end if you keep trying.

Practice Before You Go

Finally, to make the most of your trip abroad you should practice as much as you can before you go. The good news here is that it is now easy to get hold of a native speaking teacher in North America. This means that if you want German lessons New York is a fine place to practice with someone who knows exactly what you can expect to find in Germany. The same applies with many other languages too. For example, in their French classes Dallas residents can build up the confidence they need to enjoy their trip to France even more.

How to Carry on With Your Language Lessons on Vacation from - Travel Directory

What to do if you have an accident on holiday?

Posted: 31 Oct 2012 06:17 AM PDT

Having an accident while on holiday is no fun at all. Apart from putting a solid dampener on your general disposition, you'll find that getting adequate care right afterwards might not be as straightforward as using the NHS.

Of course, every case is unique, but we've put together a list of things you should do if you've been unlucky enough to have an accident, or succumb to a nasty holiday illness. Hopefully, you can get yourself straightened out using these guidelines.

Get medical/travel insurance
Obviously, before departing, you should aim to get covered for these kinds of things before you leave, as most insurers will gladly avoid payouts because you didn't cover yourself before departure. Make sure you check all the clauses!
It really is something you want to take care of before leaving; medical emergencies in any foreign country could cost thousands and thousands of pounds. It's simply not worth the risk.

Contact your insurance company immediately
As soon as you're able, it is imperative that you contact your insurance company immediately. You might not directly speak with them; it is likely that you'll speak to a third-party company who has been appointed to organise how and where you will receive medical assistance.

Next, of course, contact your closest family member, if someone has not already done this for you.

What do you do if your hotel caused the accident?
This can be tricky. If you're an independent traveller, you'll have to make a personal injury claim, which you most probably will have to settle in a court in the country you've travelled to.

The next thing you'd have to do is enquire about a solicitor. The best place to ask about this is your embassy, which will gladly assist you up to a certain extent. They will be able to offer advice for most cases; for instance, if you need help for a vehicular accident, they will recommend a list of road accident solicitors.

What if you had an accident on a package tour?
This is slightly different. If you can prove that your tour operator did not keep to its standards of service and as a result, you were injured, you might be granted a claim. However, there are certain steps that you must take in order make sure you will be granted adequate compensation for your inconvenience and injury.

It is vital that you record as much evidence as possible of the accident that's happened to you. If, for instance, your hotel room had a broken ceiling fan that fell on top of you, take photographs of the aftermath. Get witness statements. You'll need everything you can get.

What to do if you have an accident on holiday? from - Travel Directory

Megabus wintersale – over 10,000 free seats available on English and Welsh routes

Posted: 31 Oct 2012 03:48 AM PDT

Megabus wintersale

Megabus wintersale – over 10,000 free seats available on English and Welsh routes

The megabus wintersale is back with over 10,000 FREE SEATS* available on English and Welsh routes covering over 60 great UK destinations.

Once again has released over 10,000 FREE SEATS! Search and see if you are able to nab one of the thousands of FREE SEATS. If you don't manage to get a FREE SEAT this time you'll still be able to pick up a bargain seat with prices from as little as £1 +50p booking fee.

*Travel from 14/1/13 – 28/2/13 Mon-Thu on English and Welsh routes only. 50p booking fee and further ts & cs apply.

For full terms and conditions of the sale please refer to

Travel Directory: Megabus

Megabus wintersale – over 10,000 free seats available on English and Welsh routes from - Travel Directory