So, Do You Need Financial Planning?

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So, Do You Need Financial Planning?

Well do you need Financial Planning? In this article, I will show you how you can answer this question.

Immediately after we complete our college education, we automatically participate in a race call rat race.

Everyone started the race with a cart. In this cart, we have personal bills, loans and our allowance. As we are single, everything is good and manageable. We can spend what we earn without worry.

Then we meet our partners and get married. Thus we begin our next chapter in life. Our cart becomes heavier and we now worry about our spouse’s bills and loans and kids allowance. Some of us must support our parents too. We may even need to bring our family to vocation. As we grow older, our carts get heavier and heavier. Do you have enough savings to meet these expenses?

As we know, life is never a straight and smooth path. We will encounter obstacles. Some of these obstacles may set us back in terms of our financial standing .If we do encounter a big obstacle (e.g. critical illness, operation, surgery, business failure) and need a huge sum of money to recover, Do you have enough money to meet this expense? What if the big obstacle results in us being permanently bed-ridden or out of work for a long time, what is going to happen to our cart? Do you have enough money to support yourself and family if that happens?

Many may say, well we have friends and relatives to turn to for help. But our friends and family have their own carts to pull too. If they help push our cart, who is going to push theirs?

We will all retire from work eventually. From then on till we all rest in peace, we do not have regular income but our life must still go on. We still need to pay our bills and we still need to eat. Do you have enough money to support yourself during retirement?

At old age, our body is no longer working as well as they used to. Our health conditions deteriorate, as we get older. We will need to seek medical help frequently. We may even need to employ a person to take good care of us. Do you have enough money to spend on these medical expenses?

So do you need Financial Planning? If you answer ‘Yes’ to all the above questions, then you are safe and need not worry about Financial Planning. Otherwise, I suggest you start thinking about it.

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Card Rate Cut? Just Ask For It

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Card Rate Cut? Just Ask For It

I had reached a stage where my credit card was approaching my limit and the monthly charges were crippling. I was going nowhere fast as the charges each month on top of trying to pay some off the total were getting too much! I found inspiration on the Oprah Winfrey Show of all places. I was so impressed by a strategy that helped viewers ask for a better deal from their credit card providers that I decided to give it a go myself.

I used my credit card for occasional travel and other business-related expenses as well as personal ones. I was careful to save money where I could. It’s hard to find someone to help you on that. My keenness to find new ideas and tips on money is why the Oprah Winfrey Show recently caught my attention. They talked about how Americans could approach their credit card providers and pressure them to cut their rates. They even had a script you could use, so I downloaded it.

If Americans could use this approach why not Australians. I went on to my favourite ebook superstore cbdeluxe and there was a wealth of information there also. I then rang by credit provided and asked the question. They wrote back saying they were glad that I’d asked and would give me a rate reduction. This was a great result and I was delighted it was so easy!

After that experience, I urged my partner to contact his card provider, remind them what a good customer he’s been and ask for a rate review on a rolling balance on his card. Initially they resisted, but we asked to speak to the supervisor.

They responded by saying that if we transferred the amount on my card balance to their card, they’d cut the rate for the life of the debt. We were staggered…it really pays to try this out.

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Travel site(s)

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Travel site(s)

People love vacations. Some people thrive on traveling as far away from home as possible while others are content to vacation locally. No matter what your interest is with travel, there are always travel sites to help you out. In fact, many people have turned to planning entire vacations on a travel site. Gone are the days when travel agents were popular and sought after. Travel sites have popped up everywhere and promise all of its customers extraordinary savings. That doesn’t always hold true, however. I have never been one to trust my entire vacation to a computerized travel site. It just seems a bit too strange to me. I’m old-fashioned and still want to sit down with a travel agent, letting them make my plans for me. I feel like I will get better results than on a travel site. With a travel agent, I can change my mind about my plans several times, call and ask questions, and have someone to blame should my vacation not turn out to be what I was hoping for. Travel sites tend to just be computerized and it is rare that you actually get to speak to a person. If and when you do get to speak to a real person, you have no clue where they are. They may say something just to appease you and it will not hold true in the end. There are too many factors that can go wrong. That’s why I love having a travel agent. I may spend a tad bit more than if purchasing on a travel site but the peace of mind is priceless.

A best friend of mine only books her vacations on travel sites. Often times, she’ll book a last minute vacation that a travel site is offering. That is one huge advantage of using a travel site. When last minute vacations come up, you can end up saving a lot of money. She’s gotten some wonderful vacations for almost half the cost. I’m not one for last minute travel. I suppose I could be if my schedule were more flexible. My job requires me to ask for vacation months in advance. If you are flexible though, booking through a travel site could be incredibly worthwhile. Plus, travel sites offer discount coupons and prices for excursions or miscellaneous items when you book online. There are many advantages to using a travel site to book your travel or even do your research. I do use travel sites when researching where I would like to travel to and getting my facts together. I take that information and then see a travel agent. At least I know that if my vacation turns out to be a nightmare, I have someone to come back and yell at.

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2008 Olympic Tour Packages: An Experience of a Lifetime

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2008 Olympic Tour Packages: An Experience of a Lifetime

The Olympics represent unique opportunities for sports enthusiasts and cultural ambassadors to come together to dissolve humanity’s differences and unify under the banner of goodwill and sportsmanship. The Olympics are held in even numbered years, with the Summer Olympics celebrated in years divisible by four and the Winter Olympics staged two years later.

Although the Olympics are always an exciting time, anticipation for the 2008 Summer Olympics in Beijing is unparalleled. China has always been an extremely powerful nation, but it is poised to become a true economic powerhouse, one that could well lead the world as the century progresses. The Chinese view the 2008 Games as the opportunity to showcase their development, while the rest of the world is intensely curious about a country, a government, and a people that seem shrouded in mystery.

Because it is largely a closed society, few Westerners have had the opportunity to visit China – until now. Indeed, this year’s Games make 2008 Olympic tour packages extremely popular, as they present a unique opportunity to experience Chinese culture and enjoy the camaraderie that accompanies this gathering of athletes and fans from around the world. For many people who love to travel, golf packages, hunting and fishing vacations, and cruises pale in comparison to the chance to become part of history as China unveils its advancements on a world stage.

When you’ve decided to embark on this adventure of a lifetime, though, how do you decide which travel operator to use? The best 2008 Olympic tour packages can be found online. Look for a travel website that offers over a dozen different China travel packages. For example, you should be able to choose from among seven-day, nine-day, ten-day, and eleven-day tours. Perhaps you’d like to limit your China visit to Beijing, and concentrate on seeing the Olympics and visiting landmarks like Tiananmen Square and the Great Wall. Maybe you’d also like to make your way to Shanghai and Suzhou, a town of canals that has been dubbed the “Venice of the East.” Extend your trip for a few days, and you could visit Nanjing to experience its rich cultural heritage, as well as Hangzhou’s Lin Ying Temple.

Choosing the right travel company is more than selecting your preferred itinerary, though. You should also ensure that the tour provides guides that speak English, and includes accommodations in four-star hotels. All transportation within China should be provided, including transportation to and from Olympic venues. Price is also a consideration, though it probably shouldn’t be the deciding factor. You can, however, expect to book a superb eleven-day 2008 Olympic tour package for under ,000 per person.

The slogan of this summer’s Olympic games is “One World, One Dream.” If you’ve always dreamt of visiting one of the most exotic, mysterious places in the world, 2008 Olympic tour packages will give you an experience of a lifetime. Let the games begin!

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Book Vegas Online: 5 Reasons To Book Your Vegas Trip Online

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Book Vegas Online: 5 Reasons To Book Your Vegas Trip Online

With over 30 million visitors a year, Las Vegas is the entertainment capital of the world. From the gorgeous mega-luxury hotels to the exclusive Vegas shows to the unbeatable buffets to the 24 hour casinos, Las Vegas has something for everyone.

More and more travellers are booking their Las Vegas trips online. So should you book your next Las Vegas vacation online? Here are the top 5 reasons to consider booking your Vegas vacation online:

1) Save Money

You don’t have to pay travel agent commissions which can amount to significant savings of hundred of dollars. Plus there are direct-to-customer online travel services that give you special discounts just for booking online.

2) Convenience

Book your Vegas vacation from the comfort of your own home. You don’t have to go out to pick up the tickets or haggle with travel agencies. You simply shop, click, book and print – easy as that. (and if you have questions, there’s usually a toll free number you can call for 24 hour support)

3) Larger Selection of Las Vegas Packages:

Instead of just choosing from the latest travel agent specials you can choose from EVERYTHING that’s available. You know what you want in a Las Vegas vacation better than anyone else – and you can easily browse everything that’s available to you online.

Many online travel agents upload new vacation packages weekly so you can monitor the new packages being offered and find an amazing deal.

4) Easy To Search & Book

With easy search functions and large travel package databases, you simply plug in your search parameters and get a listing of possible trips, prices and descriptions. The easy search functions make it simple and fun to find the Las Vegas vacation of your dreams

5) Research Hotels and Find Out What Other Travellers Think – BEFORE You Get There

Ever travelled some place, got there and thought – ‘I wish someone had told me what this place was really like before I spent all this money!’?

Now you can know what your Vegas hotel is like before you stay there. Many online travel agents have pictures, detailed descriptions and even downloadable brochures on each Las Vegas resort.

And some online travel agents are also introducing a Travellers’ Opinions section where people can leave feedback and rate their hotel vacation experience. They rate hotels and also leave comments on their experience. This is a great tool for you to not only find out which hotels are popular with other travellers but you can usually also pick up other Vegas travel tips that can save you money.

Considering all this, it’s no wonder that more and more people are booking their Las Vegas trip online, it’s easier, cheaper and you end up making a better choice (and thus having a more enjoyable vacation).

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Buying Theater And Show Tickets

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Buying Theater And Show Tickets

When you arrange a vacation somewhere like London, New York or Los Angeles you want to visit the theatre (theatre in London) to see a show or a play. It is an essential part of the vacation you are looking for.

Travel agents will be able to arrange a vacation package that will include tickets, but often people prefer to make their own arrangements for travel, hotels and theater tickets themselves. Doing this allows you to tailor the vacation to your exact requirements as well as cutting out the middle man. It may save a few dollars, but this is not always the case.

You may find it difficult to secure tickets for a particular show because, in many cases, travel companies have block booked thousands of seats to the most popular shows to allow them to offer appealing packages to their customers.

Tickets for some plays and shows are booked out and the only chance of obtaining a ticket is from someone who is willing to sell one. The Internet makes this sort of arrangement much easier than in the days of ticket touts, though the touts still exist.

You can look in the classified ads of the evening papers of the city where you are planning to stay, these may be available online, though there may be a subscription fee to pay. Alternatively you can try the auction sites where tickets for even the most popular shows are always available – at a price.

There are specialist ticket-selling agencies where you can book a ticket for any show or play, in any city in the world, for the face value PLUS a booking fee. These are not black market outlets and they often only have tickets for a few hours for top shows and artists. You really need to be organised well in advance to queue or access their websites if you want a ticket for a top artist or theatre.

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Cheap Travel Savings

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Cheap Travel Savings

In order to stay in business, companies are starting to actively look for cheap travel savings U.S. opportunities. They find that the slow economy has affected their way of doing business and they can no longer afford to give their employees the best travel options when they have to leave the office on business.

Many business use their corporate credit card accounts to achieve deep discounts on their corporate travel charges. Their travel departments have negotiated travel contracts with major airlines, that guarantee them consistent, low-cost airfare if they are their only airline provider. These cheap travel saving U.S. are modest airfare accommodations that do not offer many frills, but will get their employee where they need to be to negotiate contracts for new industry.

Many people try to allow room in their schedules to be flexible with the dates that they depart on their travel adventures. Cheap travel savings U.S. can be realized when travel sites require departure on a specific date, for a specific time, that must be accomplished by a specific date. Being specific can afford people to be flexible on their travel departure days, if that flexibility will give them deep discounts on their airfare.

People that travel for pleasure have learned quickly that it pays to travel with airlines that offer miles points for choosing their airline for travel. These cheap travel savings U.S. can quickly add up into free flights, or deeply discounted air flights to luxurious locations throughout the world. Other cheap travel savings U.S. have been provided to family members that may fly for half of the original fare, if their travel was booked at the same time as another family member.

Retired military get really cheap travel savings U.S., when they use military aircraft as their mode of transportation. These travel benefits are part of their military retirement benefits, and there are flights leaving daily at many major military bases for points all around the world. This type of cheap travel savings U.S. is not without risks, however, because at any point in their travels, they may be bumped off the flight by a military member with an emergency to get to.

Some people use Internet auction sites to find cheap travel savings U.S.. There are online travel agents that list hundreds of different types of vacations for a very ridiculously low price, and the bidding can be quite challenging at times. Some of these travel offers can be bought straight out for a stated price, but there are thousands of other vacation packages where pricing can be controlled through a bidding process.

There are other cheap travel savings U.S. to be found, in air-fare war sales, that pit one airline against another in an effort to take a larger share of the available travel market at any given time of the year. The offers for cheap travel savings can sometimes give the business and personal traveler the option of flying from a specific airport location, or through a certain carrier that is featuring low prices for all of their flights.

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Booking Your St. Thomas Vacation

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Booking Your St. Thomas Vacation

If you are interested in taking a summer vacation in St. Thomas, you will have to make travel plans. St. Thomas is a popular vacation destination. This popularity means that, each year, a large number of tourists flock to the area. To ensure that you are able to obtain accommodations in St. Thomas, you are urged to make your vacation reservations ahead of time.

When you start to make your reservations, you are likely to see that there are a number of different ways to book your reservations. If you are unsure which booking method you should use, you are encouraged to familiarize yourself with each booking method. Once you know the advantages and disadvantages of each method, you should be able to make the proper selection.

Discount travel websites are rapidly increasing in popularity. Each day, more individuals make the decision to book their vacations through these online websites. Popular discount travel websites include, but are not limited to, Travelocity, Orbitz, Expedia, and Yahoo! Travel. Discount travel websites are most known for their packaged deals. Many times you can receive a discount when you make hotel and travel accommodations all at once.

When using a discount travel website to book your next St. Thomas vacation, you are urged to proceed with caution. A number of discount travel websites advertise that their site is free, but then they charge hidden fees. As long as you are able to find a discount travel website that does not charge these hidden fees, booking your vacation reservations online may be ideal. Many travelers have reported saving large amount of money on their St. Thomas vacations by using discount travel websites.

Many individuals prefer to use discount travel websites because they are able to select the accommodations that they want. In addition to using a discount travel website, you may be able book your reservations online, but directly through the company that offers services that you need. Many popular St. Thomas beach resorts, hotels, and airlines allow the use of online booking. With a simple click of the mouse, you could make your reservations on a secure website.

While a large number of St. Thomas resorts have online websites, not all allow the online booking of reservations. If you are interested in vacationing at a resort and you cannot make online arrangements, you will have to directly contact the resort. By calling a toll free number, you should easily be able to schedule your St. Thomas reservations over-the-phone.

As previously mentioned, many individuals enjoy planning their own vacation and making their own reservations. The only downside to doing so is that it can become a time consuming process. If you do not know how to book your reservations online or you just don’t want to, you can use the services of a professional travel agent. In addition to booking your reservations, your travel agent may be able to provide you with St. Thomas vacation guides. By reviewing these guides you will know where the most popular island attractions are. The services of a travel agent can be obtained for a small fee.

It is easy to see that you have a number of different ways to book your St. Thomas vacation. No matter which booking method you select, it is important that you make reservations. Without the proper reservations, you may find yourself with out the accommodations you had originally hoped for.

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A More Exciting Way To Learn… World Travel

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A More Exciting Way To Learn… World Travel

The best teacher when it comes to world history is actually being able to visit all these historic places mentioned inside the entire world history book one place at a time, as much as cheap travels permit.

We all had that experience where we had the chance to go somewhere and the memories in that place remains with you forever. Imagine what it could do if you make it as a more thorough research on a country by really going there to learn about its history and culture.

Its always fascinating to go to a country where you get to visit the tribes and really see what they look like, be able to taste the delicacies of the place, have the chance to learn their culture, and hear the history of the place right from the natives mouth.

Learning is a lot more fun when you don’t have to bore yourself inside a classroom with a book in front of you having to read all these and not knowing or understanding what it means. By actually experiencing what its like to be in that place, you will be able to relate to what was being described inside those references, which makes it a lot more interesting to remember them by heart.

You don’t have to force yourself into memorizing the places; you get to remember them because you’ve been there. The best part of it is that since it stays with you, you get to write about it, and you can even relay the information as if you were the book.

Imagine what it would be like if you could go to the most historical countries there is around the world. With the cheap student travel deals given as promos in a lot of airline, ships and train agencies, travelling is not as hard as it used to.

Discounts for student fares are often offered in all transportations. A great way of making good use of this offers is to let them travel. It could be as an educational tour for the whole class, a group of science club students, or exchange students.

Putting a little more fun on the way teachers teach can actually give every student motivation to learn more. Teach them to explore the world around them instead of spending all their free times in malls doing nothing, or in front of the televisions or in their personal computer playing computer games.

With this cheap student travel deals, you can take them or let go into nature trips to any part of the world. This way they will be aware of the possibilities and circumstances their experiences could teach them. Let them start early, and who knows they’ll love it and continue traveling when they’re older.

Cheap student travel deals can easily be researched in Internet including advisable places to visit, family travel deals is also available online and you get to book the flight through your computer at home and be able to manage the schedule and have a copy of the itinerary so you never get out of touch.

Travel now and discover. Experience is the best teacher ever. So, let them explore the world out there. Who knows, maybe when they get back you’ll be surprised with what they’ve gain from the whole expedition.

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5 Diabetes Travel Tips

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5 Diabetes Travel Tips

Planning ahead when you travel reduces stress. This is particularly important for a diabetic. These 5 diabetes travel tips are simple to implement and crucial to your diabetic management. They are particularly important if you are traveling abroad.

1) Have a pre-travel check-up. Make sure your A1C blood sugar levels; your blood pressure and your cholesterol levels are OK. Get the appropriate shots for any country you plan to visit.

2) Wear a diabetes medical ID. Ideally it should be in the language spoken in the country you’re visiting. Not everyone speaks your language and you don’t want medical problems through misunderstandings.

3) Keep your medication and glucose snacks in your hand-luggage. Check-in baggage does, unfortunately, go astray. Don’t risk your diabetes medication by packing it in your main luggage.

4) Keep your medication in its original box, complete with pharmacy labels. It will prevent misunderstandings about why you are carrying drugs and, if you are on insulin, syringes.

5) Be aware of time zone changes, especially when altering your watch. Remember when you travel east your day becomes shorter; if you travel west your day becomes longer. You may need to alter the timings of your medication.

Traveling need not be traumatic. A sensible attitude and a bit of pre-travel planning can make things go far more smoothly.

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