How To Improve Your Group Travel Experience

I took my first group tour this summer. That was a learning experience. Don’t get me wrong. I had lots of fun, but for someone who has always traveled alone, I had some learning” to do.

First things first! Getting to know my co-travellers! This was easy and fun, cause our group leader organized several get-togethers way in advance, so we could get to know each other, and get all or questions answered. And there were many questions, like, where would we stay, where can we buy travel insurance, what should we bring, what will immigration and customs documents will be need! And more.

Then roommates had to be assigned, because it would be cheaper to share a room than to have your own room. So unless you were a family , you got a roommate. I got two roommates, and we really hit it off. One roommate was a die hard shopper, and the other was an eternal organizer. So between the three of us, we had a ball.

But I did have to learn to be patient. Our group was very diverse. We had kids, teenagers, and some older persons. So things did not always move as quickly ( or as efficiently) as when I travel alone. We usually had to wait and make sure that everyone was accounted for before our tour bus could leave for the next stop. Hotel check-ins did not always go smoothly, but once we got settled the rooms were comfortable.

The key to enjoying group travel is to be patient and to be considerate. Be flexible and tolerant in order to accommodate others in the group, and do your best to stick to the itinerary schedule. Don’t show up at 7:30 when the Bus was scheduled to leave at 7AM. Take your sense of humor with you, and you will definitely have a good time.

Group travel is an excellent way to make new friends and to foster old friendships. If you want to spend quality time with your friends, family members, or business colleagues and enjoy a wonderful vacation experience at the same time, then I highly recommend a group travel tour!

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Why It Is Important To Buy A Home Cover

Nature’s fury or riotous incidences don’t come knocking at your doorstep. Within couple of minutes it can turn down your dream like a pack of cards. It will not only affect your emotions but also impact your finances. At times, a mere earthquake or tsunami leaves millions of people across the world penniless and with no homes. Therefore, the best way to protect your home and its valuable belongings from getting damaged is to own a suitable Home insurance policy.

A home insurance is a form of property insurance designed to cover an individual’s home from damages to the house itself, or to possession in the home. It will also cover your liability or legal responsibility for any injuries and property damage, you or members of your family cause to other people.

Despite of knowing the benefits and best of the coverage to secure their house from any uncertainty and unexpected problems still majority of home owners try to avoid buying home insurance in India because of its expensive costs. Especially in economic slowdowns people start to contemplate whether or not carrying an insurance policy on their home is really necessary. They begin to think that the money being spent on the policy could be better spent elsewhere. This can be a dangerous way to think.

Home insurance, which covers the house and its contents from fire, theft, burglary and other security concerns, is still a segment that has not seen enough takers

Home insurers also provide cover for household appliances including television, washing machine, refrigerator and jewelry or valuables that are kept in the house. In some cases, even pets in the house, at the time of an accident or robbery and are injured in the incident gets a cover. Terrorism and catastrophic incidents are also covered under some products.
Home insurance is something that everybody that owns a home must deal with. If you are considering switching insurance companies, the process can be a little confusing. While looking for insurance cover the first thing that you need to do is find the company that you are going to switch over to. You will want to shop around and make sure that you are getting the best rate available.

You can do this in a number of different ways. Check out some independent review sites and see who is rated as the best company for insurance. Get a few rate quotes online and then visit an agent. They will be able to tell you what everything costs and give you an idea if you are better off than you were. Choose the best company that fits your needs and is within your budget. Once you decide on a company, you will have to do the necessary paperwork to get a Home insurance. You can usually do this in a few minutes while you’re sitting in the office of the agent that you chose to work with. They will have a few forms to fill out and you will be ready to go. They will ask you some basic questions about the property including the value of the property and if you have any special items to be insured. You will have to decide on the coverage limits and the features that you want.

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Different Premium Payment Modes Available In Life Insurance

Affordable premiums are definitely one of the most important features of an insurance plan, however it should also have a balanced share of benefits to offer as well. Here in this article we discuss the basic types of premiums and some of the common modes of payments available with the life insurance plans in market.

Types of life insurance premiums:

There are basically two types of premium payments namely single premium and regular premiums. At the time of opting for the plan, every policyholder would be explained in brief by the insurance agent or company about these two terms in particular. These two types of premiums are determined by the quantum of payment and the frequency decided by the person insured. Single premiums require a lump sum payment to be made by the insured at the time of entry while in regular premiums, he/she will be required to makes payments on a monthly, quarterly, half-yearly, or yearly basis. Both single premium and regular premium plans have their own benefits, yet the former proves to be more efficient when considering the total cost involved. The below example illustrates the basic difference between the two types of premiums.

A 32 year old woman pays a yearly premium of Rs.13,000 for 10 years on her life insurance policy, that offers survival benefits of Rs.2,00,000 on maturity. Going by this mode of payment, she will pay a total amount of Rs.1,30,000 by the end of the term period. However, the same plan comes with an option for single premium whereby a person is required to pay a lump sum amount of Rs.90,000 at the time of enrollment. In the second instance, the person insured can save up to Rs.40,000 on premiums. Taking into account the time value of money and rate of inflation, lump sum payments can often supersede the benefits of regular premiums. But again, making payments in one go may not be feasible for many customers and it is finally on their part to choose the type of payment after evaluating budgetary requirements. Therefore, make sure that you opt for the single premium mode only if you can afford the same without straining your finances.

Premium paying frequency:

Under regular premium mode, policyholders are required to pay premiums throughout the term period, while for some policies, the premium term is less than the policy term. For example, if your purchase a policy that offers life insurance coverage for 10 years, you can either choose to pay the premium for the entire length of the plan or choose a reduced payment term of 7 or 8 years. As a general rule of thumb, the number of installments is directly proportional to the sum insured, ie.,higher the sum insured more the number of installments. Once you have chosen the regular payment option, you then need to decide the frequency of premium payments which is either monthly, quarterly, semi-annually, or annually. Your premium payment term is also linked to the surrender value of the policy. Generally, a life insurance plan acquires surrender value after completion of 2 premium years. So in case you surrender your policy after the first year, you will not be eligible for the same.

Different method of paying your insurance premiums:

Gone are the days when one had to wait in long queues at the branch counters to deposit life insurance premiums. Going in line with the digital advancements of today, even insurance companies have launched apps and web platforms to offer a comprehensive range of services online. Given below are some of the most common methods of insurance premium payments:

Insurance agents – An insurance agent visiting your home to collect premiums was a common scene in early days, when private companies had only started to secure a foothold in the Indian insurance industry. Even with the changed times and latest digital enhancements, you can always get in touch with a collection agent of your insurer to come and collect your payments.

Mobile wallets – Post demonetization, the importance of mobile payments have increased so rapidly that a number of e-wallet companies have entered the market within a short span. The e-wallets offer a lot of facilities ranging from booking a ticket to paying off your monthly bills. Some of the mobile wallets have linked up with the insurance companies to facilitate fast and convenient premium payments for policyholders.

Online payments – As already mentioned, you can simply login to the insurer’s website and pay your premiums through internet banking, credit cards, or debit cards

Standing instruction on credit card – You can give a standing instruction to your insurance company to deduct the premium amount on your behalf. You just have to submit an application for the same along with the details of your credit card.

Electronic Clearing System – It’s an automated system of payment where the premium amount gets deducted from the bank account of the customer on due date. You can register for this service by filling out the ECS mandate form and submitting it along with other relevant details to the concerned branch of your insurance company.

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Determine The Type Of Vegetarian You Are

When it comes to vegetarianism, the fact that one size doesn’t fit all cannot be denied. Several food and health experts are of the opinion that today more and more individuals are adopting some kind of vegetarian diet, however, what they opt to eat and not eat relies on what type of vegetarian they want to be. Many believe that the number of people eating vegetarian diet is growing, as there are large numbers of options available in restaurant menus and in pre-packaged foods at the grocery store.

Being Vegetarian What does it actually mean?

Generally Speaking, the diet of a vegetarian comprises of vegetables, fruits, peas and dried beans, grains, nuts and seeds and no meat and fish. However, even within the vegetarian category, there are several subgroups, which include the following:

Lacto vegetarians consuming plant foods plus dairy products
Lacto-ovo vegetarians consuming both dairy products and eggs
Vegans avoiding all animal products no eggs, no dairy and consume only grains, vegetables and fruits

Semi-Vegetarians

The next category is those who call themselves semi vegetarians. Several of the top 10 dietitians and experts in the country believe that semi-vegetarian doesn’t have one standard definition. A semi vegetarian could be an individual who typically eats vegetarian diet, however, occasionally eats meat, for example, or it could be someone who doesn’t eat red meat but eats other type of meat.

Diet Including Raw Foods

There are some individuals who also eat and enjoy a raw food diet. In a raw food diet, an individual is enticed to eat uncooked stuff that’s truly raw products, uncooked, non-homogenized, etc. Again, there isn’t a single definition as it bundles a bunch of things. For instance, some individuals would eat all of raw foods or others consider eating raw foods even if they actually eat a two third portion of it. A raw food diet could include vegetable only or might even include meat, fish and eggs as well.

Why do People Opt for a Vegetarian Diet?

There are different reasons people prefer a vegetarian diet, but most prefer the diet for health reasons. A recent study has revealed that vegetarians have a lower body mass index (BMI) and lower cholesterol and are less likely to be affected from heart disease. They could also be at lower risk for other drastic diseases and can have effective weight loss as well. Others turn towards a vegetarian diet for religious beliefs, due to environmental or animal welfare concerns, just for economic reasons or because they just don’t like the taste as well as texture of meat.

Does a Vegetarian Diet really offer Health Benefits?

Individuals who consume only a vegetarian diet might not be providing their body vital nutrients it really requires to function optimally. The specific concern remains for vitamin B-12, which comes naturally only from animal sources, vitamin D, iron, zinc and calcium. So, if you are considering switching to a complete vegetarian diet, it’s recommended to talk to an expert nutritionist/dietician to ensure you get the nutrients you require to stay healthy.

Being a vegetarian is not bad at all provided you know what type of a vegetarian you want to be and you are having all nutrients in a proportionate manner.

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Ayurvedic Weight Loss Supplements To Reduce Excess Body Fat

Being overweight is like a curse as it raises several health problems. It is generally seen that some people eat a lot but do not gain weight while some gain weight even on eating less. Losing weight is a difficult task especially for those who suffer from mental problems as they find eating foods as the only way to satisfy themselves. There are some common reasons behind the increasing weight in body:

1. Weight gain depends on the metabolic rate of body. Slow metabolism in body is the main cause of not burning calories and increasing body weight.
2. Immunity becomes weak due to lack of iron, magnesium and vitamin D in regular diet and this alters metabolism of body.
3. People having stress, tension and depression mostly eat junk foods, take beverages and drink alcohol more just to distract themselves and thus weight increases in such people.
4. Increasing age slows down digestion and reduces metabolic rate. This results in weight gain.
5. Less production of testosterone in men and estrogen in women leads to increase in weight.
6. People having problem of thyroid disorder also gain weight in an unusual manner.

Some changes in lifestyle can help to lose excess weight at home:

1. The most important step for weight loss is to cut back on sugar and starch. This reduces insulin and also reduces hunger for calories.
2. Eating meals rich in protein source, fat source and low-carb vegetables also help to lose few calories. These kinds of foods reduce desire for snacking.
3. Lifting weights 3 times a week can burn a few calories which further prevents metabolism from slowing down.
4. Taking proper sleep is an important part of losing weight fast.
5. Eating foods slowly makes one feel full after eating even small meals and thus one does not overeat.

One can also use InstaSlim capsules to reduce excess body fat naturally. These are the best ayurvedic weight loss supplements as these supplements are made purely from herbs. These supplements help to combat every factor in body that results in increase in weight.

InstaSlim capsules provide the following benefits to overweight people:

1. These supplements suppress appetite and thus reduce cravings for sugary and junk foods.
2. Unique formula of these capsules promotes metabolic rate in body to increase utilization of body fat.
3. These ayurvedic weight loss supplements improve blood circulation to increase usage of fat stored in body for producing energy.
4. Promote fat metabolism to keep production of energy regular in body.
5. These supplements regularize bowel movements which in turn keep toxins out of body.
6. Nullify ill effects of thyroid disorders on metabolic rate.

InstaSlim capsules are loaded with Vaivading, Babool, Arjun, Pashanbhed, Chitrak, Jawasa, Bahera, Kali Mirch, Haritaki, Dikamari, Samudra Shosh, Chavya and Sounth. These herbs have the property to convert fat cells into energy. These herbs can effectively enhance functions of body organs that help in digestion and absorption of nutrients from foods. These herbs also keep bowel movements regular for healthy weight loss. To get long lasting and effective results, use these ayurvedic weight loss supplements on a regular basis. Taking InstaSlim capsules for 3 to 4 months can reduce excess body fat and give optimum health benefits.

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