Thursday, November 30, 2017

How To Safe Traveling With Children 2017

Advice on Making your Trip Fun, Safe and Enjoyable for your Children


Traveling, whether within the United States or internationally, can be a really fun adventure. But traveling can also be tiring and taxing on the body and mind. When you have kids in tow, the challenge of travel becomes even greater. Children are certainly much needier than adults, and they must always be entertained. When traveling long distances, there are lots of important things to keep in mind in order to ensure that both your kids and yourselves have a pleasant and enjoyable vacation.

The Safety of your Family Comes First

Of course, safety is the most important factor whether traveling alone or with children. If you’re traveling by car, make sure everyone is properly seated with the right child seats or seat belts secured. Make sure your car is in good working condition with tires that are in good shape. If you’re flying, be sure to talk with your children about flight safety tips and what to expect during the flight before you get on the plane. Always pack medications that your children will need, and bring along water bottles and snacks. Make sure everyone stays close together while traveling, and never let your children out of your sight.

Airplane Travel and Children

Traveling by air is much different than by car, particularly because you are at the mercy of security and the airlines. Make sure everyone is wearing slip-on shoes so it’s quicker to get through the checkpoints at the airport. Have either you or your spouse go first through security, and have them carry all of the main items like electronics. This way, the process has begun and everyone else’s check should be quicker. Bring gum for the kids so they can chew on it if their ears pop while flying. Give them something to keep them busy, like puzzles or a small gaming device, but make sure they use their headphones so as not to disturb the other passengers.

Entertaining your Kids During a Trip

If you’re on a long road trip, kids will probably tend to get bored very quickly. If you have a DVD player in your car, make sure you bring along lots of movies the kids can enjoy watching. Hand-held games and books are also great for long trips both in the car and on a plane or train. As for your destination, make sure you’ve chosen a family-friendly place where everyone can have a lot of fun together. Live shows, amusement parks, zoos, and other attractions will make the trip one you all will remember, and these activities will help the children have a great time while creating fond vacation memories for all.
Hotels fit for a Kid
If you are planning on staying in a hotel, find out if the hotel has amenities like a pool or playground. Use your best judgment when choosing a hotel. A swanky, upscale hotel will probably not be as kid-friendly as a larger chain hotel designed for traveling families. If the hotel has a balcony, make sure to keep all sliding doors locked so the kids cannot roam out and potentially fall. Check for popular hotels in your destination’s area and read reviews to find out which ones will be the most accommodating to families with children.
Food for Thought…
Of course, food is half the fun of travel. But picky kids might be a different issue altogether. Make sure you have access to restaurants that serve up foods your children will like to eat. If there is nothing feasible nearby, you can at least try to locate a sandwich shop or smaller restaurant where you can pick something up that everyone will eat. Some hotels are in areas near grocery stores, which is perfect if you plan to pack lunches when you go on family adventures. If traveling by car, make sure you bring healthy snacks and plenty of water and other drinks so no one gets hungry while you’re driving.

Tuesday, November 28, 2017

10 Best Travel Agencies in The World 2017

Traveling the world is important. It’s a chance to see other cultures and connect with them. You get the opportunity to really dig in and maybe incorporate some of their knowledge into your daily life. The best way to see the world is to get out there and book it with a trusted company that knows what you are getting into. The best travel agency will be available to you twenty four seven and has everything in place for you to do nothing except sit back and enjoy the vacation.

Table of Page Contents
    • Following are the Top 10 Best Travel Agencies in The World
  • 10. Hotel Planner
  • 9. SmarTours
  • 8. Zicasso Handcrafted Travel
  • 7. YMT Vacations
  • 6. Global Vacation Network
  • 5. Vantage Deluxe World Travel
  • 4. Global Work and Travel Company
  • 3. CheapOAir
  • 2. Tours4Fun
  • 1. BookIt.com

Following are the Top 10 Best Travel Agencies in The World

10. Hotel Planner


Hotel Planner is one of the most successful travel agencies in the world 2017. They are able to cater your experience depending on whether you are planning for a wedding, tour group, conference and more. They guarantee the lowest group rates so you don’t have to worry about the cost for your large group multiplying too high. They even offer free rooms for group coordinators! Hotel Planner is already associated with 100,000 group friendly hotels all across the globe. Over 500 Universities around the world use Hotel Planner to schedule their group travels. Also, if you want to book as a group but pay separately they can conveniently handle that for you as well!

9. SmarTours

SmarTours is a favorite amongst worldwide travelers that are looking to be wined and dined around the towns they plan to visit. SmarTours has connections with expert guides, upscale hotels, comprehensive escorted tours and specials on international airfare. Their website is extremely easy to use and you can choose what area of the world you would like to visit. They offer a full breakdown of what the experience will be like so you won’t be surprised during your time there. They have been offering worldwide tours since 1999 and have been extremely successful in their endeavors.

8. Zicasso Handcrafted Travel

Zicasso offers luxury tours for those of us who want to experience something authentic and separate from the typical tourist spot. When you contact them they will match you with a travel specialist who will walk through all the steps of having the most amazing experience of your life. Many of these specialists have experienced these travels themselves and always have great advice to share. During your vacation you access to your travel specialists 24-7 so that if you have any problems or questions they are completely available to assist you. They also default and fraud protection so you can be sure to have your items kept safe while you are overseas.

7. YMT Vacations

YMT Vacations have been around for over fifty years! They have the ability to match you up with all sorts of tours in the states, overseas, cruises on boats or even combine travel on both land and sea. This touring company started off just offering trips to Hawaii with personalized tours and they still offer this at a great price to this day. Now it’s much more broad; they offer trips to Europe, Cuba, China and the Transatlantic. They also have an A+ rating with the BBB which shows their reliability and trustworthiness. Most of their customers are repeat customers but new customers that find them are always pleased.

6. Global Vacation Network

This Travel Agency is membership driven but the membership gives you drastic discounts on your travels. You have the chance to travel within the United States and all over the globe. Membership travel benefits contain your condo package plus airline-reservation, car rental, cruises, tour packages and the ability to contact them 24-7 if you have any questions or comments. Membership also has a shopping benefit online which allows you to gain access to thousands of name brand products at wholesale prices by calling their toll free number.

5. Vantage Deluxe World Travel

If you are interested in traveling alone they are the leader in Solo-Travel. You aren’t forced to bunk with anyone if you don’t want to and you are free to as much alone time as you’d like if that is what you are interested in. If you are traveling as a couple or a group, they have amazing benefits for you as well. You can even earn cash or a free trip by referring people to their travel agency. Vantage offers everything from solo travels, family/group travels, river cruises, adventure travel and more. You can also choose your journey based on the activity you enjoy most, such as hiking, biking, bird watching, history, music or even a safari! They have destinations all over the globe, so no matter what you like they will find a destination for you!

4. Global Work and Travel Company

This company is extremely unique in that it offers you the ability to travel at a low rate in exchange for volunteering or working. You get to choose if you want to teach English, join a family and help look after children, make a difference in the environment and more. They have opportunities all over the globe for you. If you want to travel and make money or just volunteer this is the company to check out! You get to travel to Europe, Australia, Canada, United Kingdom and so much more.

3. CheapOAir

CheapO Air offers promotional discounts on top of your price so you can save more money on your trip! They’ve received multiple awards for having great customer service and received a five-star rating with Trust Pilot. They have personalized deal experts that scour the globe and web to find you the best rating for your trip. With CheapO Air you can book your flight, vehicle, cruises and a variety of vacation packages that take you anywhere in the world. They have a special place designated on their website so you can find destinations catered to your interests or find what is the cheapest place to travel. This can be great for days when you know you want to get away but have a limited budget. With CheapO Air there is nothing stopping you from learning something new and exploring a different culture.

2. Tours4Fun

Tours4Fun offers sightseeing tours all over the United States and the rest of the globe. Some of their most popular tours are Maccu Piccu, New York City, Melbourne, Paris and so much more. They have special tours showcasing amazing cities around the globe that is fit for the experienced traveler and even first time travelers. They are able to provide these tours and vacations at such low prices thanks to their connections and partnerships around the globe. If you have any questions at all they offer a 24-7 customer service line to use at your disposal.

1. BookIt.com

BookIt has been in the travel and vacation industry for over ten years and has been expanding their endeavors ever since creation. They have served over 10 million different guests by helping them having the most epic holiday of their lives. They guarantee the best rates. Let them know if you have found the same trip for cheaper and they will be more than happy to assist you with that. They offer flexible payment options so you know you can get the trip you want and have it paid for just in time!
Whether you are a new traveler or an experienced one you will find the company you are looking for in this list. These companies offer everything from personally guided tours to hotel booking, car rentals and food arrangements.

Monday, November 27, 2017

The World's 15 Most Tourist-Friendly Countries

The countries’ rankings for tourist service infrastructure is separate from their rankings for international openness — that is, visa requirements, bilateral air agreements and trade agreements. It’s also looked at separately from a country’s prioritization of travel and tourism, which rates the brand strategies of tourism organizations and how much importance governments place on the tourism sector.

Below is the World Economic Forum’s definitive ranking of the 15 countries with the best tourist service infrastructure to visit in 2017.

15. Ireland

Ireland’s tourism infrastructure is ranked 15th globally. In individual rankings, the country ranked 27th for quality of tourism infrastructure, 25th in number of ATMs per capita and 17th in number of hotel rooms per capita.

14. Bulgaria

In 14th place is Bulgaria, with a 13th place score for number of hotel rooms per capita and a 24th place score for ATMs per adult. Bulgaria doesn’t do so well in terms of the quality of tourism infrastructure though, landing in 96th place.

13. Iceland

Iceland ranks 13th for tourist service infrastructure. The presence of the major car companies and the ranking for hotel rooms per capita — second in the world — give the country a boost.

12. Luxembourg

Luxembourg’s 12th place score comes from placing 18th for number of hotel rooms and ATMs per capita. Their quality of tourism infrastructure isn’t among the top scores globally, however, as they rank 37th.

11. Italy

Italy places 11th in the rankings for tourist service infrastructure. Their score for number of hotel rooms — in 12th place — helps their rating.

10. Canada

Canada's main distinction is that they have the second-highest number of ATMs per capita globally, however, they’re the only country in the top 15 not to offer all seven major car rental companies. (It’s doubtful that the latter does much practical damage: They have six.)

9. Germany

Germany ranks ninth in the list of the world’s most tourist-friendly cities, with all seven major car rental companies present and a 14th place score for number of ATMs per adult. Germany also ranks third in the overall ranking of best all-around tourist destinations, with great scores in cultural and business resources and accessibility by air.

8. Australia

Australia is in eighth place, with highs scores in all the indicators. In addition to doing well in terms of tourist service infrastructure, Australia has great natural resources to offer, as well as cultural resources and business travel offerings.

7. United Kingdom

The U.K. ranks highly, landing in the top 25 for all indicators. For number of ATMs, they are in eighth place, and the quality of their infrastructure for tourists ranks 23rd.

6. Switzerland

Switzerland’s sixth place ranking comes from scores in the top 20 for all the indicators. The European nation also does well in the other Travel and Tourism Competitiveness categories, including safety and security, environmental sustainability and business environment.

5. Croatia

Croatia ranks fifth for tourist service infrastructure, with plenty of hotel rooms and ATMs per capita. Although the quality of their infrastructure is comparatively low, ranking 65th, Croatiahas plenty else to draw tourists, with high scores in natural resources and environmental sustainability.

4. Portugal

Portugal ranks highly in every indicator under the tourist service infrastructure category, and especially so in ATMs, car rental companies and quality of tourism infrastructure. They also have high scores in other Travel and Tourism Competitiveness categories, including safety and security and international openness, making the country an all-around comfortable place to visit.

3. United States

The United States is the third most prepared destination for tourists in the world. The availability of ATMs per adult is high and so is the quality of tourism infrastructure, both ranking fifth globally.

2. Spain

Spain’s tourist service infrastructure ranks second globally. They place fourth for quality of tourism infrastructure and ninth for number of hotel rooms per capita. Spain ranks first in the overall Travel and Tourism Competitiveness global survey, too, meaning it’s an excellent place for a vacation.
Austria is the world’s most tourist-friendly country, with high scores across the board. In addition to having all seven major car rental companies, the European country places third for quality of tourism infrastructure and fifth for number of hotel rooms per capita.

Sunday, November 26, 2017

BEST TRAVEL GUIDE AROUND MADAGASCAR

Madagascar. It’s more than an incorrect (but fun) DreamWorks movie. Located off the eastern coast of Africa, this island, nearly the size of France and the third largest in the world, has a population over 20 million but sees only about 325,000 tourists a year.1 I spent two weeks there with Intrepid Travel Travel and was surprised by how few tourists there were (I figured — with no data to back it up — that there would be a lot more), as well as by just how difficult the country was to travel around. The roads are really, really bad. It can take up to eight hours to go 250 km (155 miles) — and that’s on the good roads!

But soon it became clear why there were so few tourists: getting to the country is expensive, there’s very little information about it online, few organized activities, and only a couple hostels, tourism information centers, helpful signs, or anything that would be considered a “tourist infrastructure” (and sadly, very little infrastructure at all). Madagascar’s tourism caters to older Europeans who visit expensive beach resorts or take organized tours, moving around the country in a little bubble. Nary a backpacker did I see on my trip.
Madagascar is a raw, barely explored place. It’s on few people’s radar, and I doubt it will be for awhile, making now an ideal time to go. It’s cheap (once you get there), your tourist dollars can create a really positive impact, and there are few crowds and many cute lemurs and majestic landscapes, which you get virtually to yourself!

How to get there

The first thing you need to know is that getting to Madagascar is not easy: there’s only one daily flight from Johannesburg, Air France has one daily from Paris, and only Turkish, Kenyan, and Ethiopian Airlines have flights that connect to other destinations.
I jumped on a flight deal to Johannesburg ($630 USD for New York to Johannesburg and then onward to Vienna) but that was a stupid thing to do. Given the price of flights from JNB to Madagascar (I paid $800 USD round-trip), it ended costing me more than just booking a direct ticket to Madagascar.
I was pretty stupid not looking up flights enough beforehand and waiting until the last minute, but even “booking smart” doesn’t mean you’ll find a deal. Here’s a chart for December and January (these are a little cheaper since they are not last-minute and it’s low season):
You’re looking at spending at least $500 USD round-trip on a flight from Johannesburg. From Paris, Air France offers direct round-trip flights for around $800 USD. If you are going from the US, you pay around $1,200 USD for a round-trip ticket. Keep in mind those are low season (October-April) flights. During the high season (also the dry season), you’re looking at flights closer to $2,000 USD for the US and $1,200 USD from Europe. From Canada? Prices start around $1,200 CAD in the low season.
However, it’s not all bad news. There are a few travel hacking opportunities. With some planning, you can find a reward flight. You only need 30,000 miles each way from Europe, and Air France has a decent availability (but if you miss the 30,000-point option, you’ll be looking at 60-90,000 points each way). United has very sporadic reward flights on partners starting at 40,000 miles each way, but, sadly, no flights from Johannesburg to Madagascar are bookable on points. Here’s what I mean:
So it takes some work to get there, but if you can string together some flight deals (check out Scott’s Cheap FlightsThe Flight Deal, and Holiday Pirates) as well as mile opportunities, you can lower the cost to an affordable(ish) level.

How to get around Madagascar

Organized tours are the most common way to visit the country. One guide told me that about 80% of visitors come on organized tours, and the other 20% hire a private driver to get around. Most of the tourists are an older, very heavily European crowd. I guess that most younger travelers stay away because getting to the country and tours are so expensive and there’s just not much information on Madagascar.
But let’s change that and talk about how to visit the country:
Organized tours
A 14-day tour will cost $2,500–4,000 USD. You’ll stay in mid-range hotels (private bathrooms, hot water, breakfast, and maybe even a pool) and have your own bus with a driver and local guide. You’ll also get private guides at each park who will explain what you’re seeing, help spot animals, and give some added context on the destination. Most of the tours follow the same route, hitting all the big parks and destinations in the center of the country, with added paid add-ons to other parts of the country.
I went with Intrepid Travel Travel on its Experience Madagascar tour as part of my site’s partnership with them. Our guide Patrick was a phenomenal resource, answering all my questions, providing advice, and giving tips on what to see and do in this country that lacks a lot of resources to research.
If it were up to me, I would have focused the trip’s itinerary more. I think Intrepid Travel sometimes tries to do too much; for example, the trip to Ile Sainte Marie adds way to much time on the bus. While I liked everything we did, I wish there had been more time visiting each place and less time driving.
Going on your own
Madagascar is a difficult place to do solo. There’s little tourist infrastructure or hostels (which makes sense given how inexpensive hotels and guesthouses are here), information is limited, and public buses don’t go to many cities and national parks. You’ll need to know French, too, as English is barely spoken. In my opinion, this makes it really arduous to get around without any assistance.
But could you travel around on your own? Sure — though very few people do, it’s totally possible to visit solo. But I think you’d need to be an experienced traveler, really OK being pushed out of your comfort zone, and in absolutely no rush, because getting around on a budget will take time. Since the roads are really bad, getting from point A to B is a challenge. In a public taxi brouse (small van packed to the gills with people), you’ll move slowly. Buses go when they are full. There’s no set timetable. Sometimes they show up; more often than not, they don’t.
(However, seeing the condition of the buses and how many people they cram in there, plus the number of accidents on the road, I’m not sure I’d even get in one. I wouldn’t want to spend 24 hours packed like a chicken in a van with no air conditioning (and sometimes not even windows). I have too much anxiety to whip around on narrow roads.)
Renting a car and driver costs $50 USD a day (or slightly more if you want 4WD) and is the most popular option for people looking to go on their own (and not wanting to wait for the buses). While you could drive on your own, most of the companies I looked at required that a driver go with you.
You can also fly around the island, but there’s only one airline (Air Madagascar), and most routes cost around 200 euros per leg.
Going with the flow is key here if you want to travel solo. You either have to pick a small area to cover or have a month or more set aside to explore Madagascar thoroughly.
So, what should you do?
If you’re really looking for some rugged, old-school independent travel, Madagascar is the place to do it. If you have lots of time and are up for a real challenge, go solo but give yourself plenty of time to do so — and learn French! (I really can’t stress the need for knowing French. Outside the big towns and a few tourist areas, English is barely spoken.) You’ll cover slightly more ground and have a lot more freedom if you rent a car and driver. There’s plenty of cheap guesthouses and restaurants around so you won’t need to look far and wide for a place to stay or a meal.
If you aren’t looking for that kind of rugged experience and would like something more organized, a tour is the best – and really only – option. I wanted a tour to help me get the lay of the land and answer all my questions about the country. Additionally, I don’t speak French and didn’t have a lot of time. A tour was a great orientation to a country that was an enigma to me. It was a wonderful way to meet people in a destination with few independent travelers. (One thing to remember is that the clientele of the tours here is older and the tours cater to that in their itineraries, activities, and accommodation. The tours here aren’t designed for active backpackers.)
If I went back, I’d go by myself and explore with a car but I’m glad I went with a tour on my first visit.

Is Madagascar safe?

When I was wandering around, I never once felt unsafe. I was more of a curiosity than anything ,since they see so few tourists, especially those not ensconced in a bus. There are a lot of beggars, especially kids, and you have to just keep saying no and walking away. The taxi drivers here take no for an answer and no one really bugs you.
That said, crime is rife throughout the country, and not one local I knew recommended going out after dark. They don’t even do it. In fact, many hotels in the capital of Antananarivo hire escorts to take people from the hotel to bars or restaurants.
During the day and, especially in smaller villages, walking around is perfectly fine. At night, I would use a lot more caution, especially in the capital.

What are prices like?

Though getting to the country is expensive, once you are there everything is incredibly cheap. Your money goes a long, long way in Madagascar. I went to a local market and spent 100 ARY on a spring roll. After realizing that there are 3,000 ARY to the dollar, that meant I had paid just three cents. As I was still hungry, I bought 15 more.
Even when you are eating at the hotel restaurants the tours go to, most meals aren’t more than $4 USD. In regular, local restaurants, they are half that price.
Madagascar food is mostly chicken, zebu (a type of cattle), pork, stews, and rice. LOTS OF RICE. (Get the Zebu in a stew. It’s better that way.) There’s also a lot of surprisingly good pizza in this country. You’ll definitely need to know French if you go into the non-international places (or travel outside of the cities).
Even on the road, there are a lot of restaurants (again, knowing French is going to be key here, especially outside the capital Antananarivo). Hotels are $20-50 USD per night (on the cheaper range outside the capital). You can easily find accommodation on booking.com. There’s plenty of accommodation listed on that website.
Here are some typical prices:
  • Meals at restaurants that cater to tourists – 10,000-25,000 ARY ($3-8 USD)
  • Meals at regular, local restaurants – 3,000-6,000 ($1-2 USD)
  • Street snacks – 10-200 ARY (up to 5 cents US) (Be sure to try the nem (spring rolls). They are incredible!)
  • Accommodation – 65,000-160,000 ARY per night ($20-50 USD)
  • Car with a driver – 160,000 ARY a day ($50 USD)
  • Grocery prices – 10,000 ARY ($3 USD) (This would get you a kilo of rice, some zebu, and a variety of vegetables.)
  • SIM Card – 3,100 ARY ($1 USD) for a SIM and 25,000 ARY ($8 USD) per gig of data.
  • Park entrance fees – 55,000 Ariary ($17 USD) and guides start at 20,000 AR ($6 USD)
  • Local mini buses – 10,000 – 20,000 ARY ($3-6 USD)
***
Madagascar was a beautiful, raw, and enchanting country. There’s no place like it on earth. Far off the tourist trail, this a destination where your inner Indiana Jones or Anthony Bourdain can be set free to explore. I’m so glad I went, and though the old traveler adage is “I can’t wait to go back,” I suspect that my visit to Madagascar will be the only one in my lifetime. I hope I’m wrong, but given the difficulty getting there, it really can be a once-in-a-lifetime trip.
And I hope you make it in your lifetime!
1 – Official stats are 293,000 but I’ve seen higher and lower figures so consider this an estimate. Links: Source and Source
Note: I went to Madagascar with Intrepid Travel as part of our ongoing partnership. They paid for the tour and my expenses during the trip. I paid for my flights to and from Madagascar. They offer 10% off their tours to readers so click the link and save on your next trip.
Note #2: As someone pointed out, there are a couple of hostels in the country. I don’t know why they didn’t appear on my earlier search but I’ve amended the article from “no hostels” to “a few hostels.” My apologies for the previous incorrect information.

Saturday, November 25, 2017

HOW TO SPEND FOUR DAYS IN NEW YORK CITY

When my friends visit New York City, they want to see it all. They have laundry lists of places to visit, things to do, restaurants to eat and bars to drink at! It’s a frantic schedule even for this New Yorker! The city, home to over 8.5 million people, contains so much to see and do, you can barely scratch the surface on your typical four- or five-day visit. (But then again, I don’t think even a four-month trip would be enough to see NYC!)

NYC, a city forever in flux, is impossible to “see” in one visit. You just have to resign yourself to that fact, unless you move here (and maybe not even then), you’ll only barely scratch the surface! However, there are ways to make the most of the limited time we have. So, as I get ready to leave NYC after living here for 3.5 years, I want to give you my suggested four-day itinerary for your next visit here:

Day 1

Statue of Liberty/Ellis Island
Though the line for the ferry from Battery Park is long, if you get there early, you can avoid most of it. (Come late and you’ll have to wait a few hours.) The Statue of Liberty is spectacular to see up close (she’s as big as you imagine), but the real highlight of this combo is Ellis Island, where you can learn about the immigrant experience and get a sense of the people who helped build NYC (you’ll even find my family’s name inscribed on the wall!). There’s such a great sense of history there that you can’t help but to be impressed.
Tip: If the line’s too long and you don’t want to wait, take the free Staten Island ferry for photos of the statue and harbor.
Battery Park
Named Battery Park for the old batteries (cannons) that defended the city, stop here for music and street performers, people-watching, relaxing, and all other park-related activities. You can also explore the ruins of the old fort that kept watch over the city. Battery Park is large and hectic, but I still love walking through here. There are tremendous views of the harbor, too.
Wall Street
Take a photo with the famous bull and then walk to Wall Street and see where all those bankers destroyed the economy. There’s heavy security in the area, but you can sit and watch people whiz in and out of buildings on their way to cause some other financial disaster.
Federal Hall
One of the most overlooked museums in the city sits across the street from the NY Stock Exchange (NYSE). Federal Hall, built in 1700, is where George Washington took his oath of office (you can see the Bible he was sworn in on!), was the first capitol building of the US, and was the site of the US Customs House in the late 1700s. It’s one of my favorite attractions in the area. I especially love the old vaults of Customs House. I highly recommend you visit, plus it’s small and doesn’t take long.
Museum of American Finance
Down the street from NYSE and Federal Hall is the Museum of American Finance. Housed in a historic bank building on Wall Street (of course!), it has permanent exhibits on the financial markets, money, banking, entrepreneurship, and Alexander Hamilton (the founder of the US financial system). If you want to understand the workings of what happens on Wall Street, this is a perfect place to start. Entrance is $8 USD (there are discounts for students and seniors).
Trinity Church
Trinity Church is one of the oldest churches in America. The original building burned down in 1776, but the current church is still beautiful, with an ornate gothic style structure. The church is most famous for its colonial graveyard, where you’ll find many famous Americans, including Alexander Hamilton, one of America’s founding fathers.
World Trade Center & 9/11 Memorial and Museum
The recently opened “Freedom Tower” gives you a panoramic view of the city, and there is also a lot of information about the 9/11 terrorist attacks. On the elevator up, you can also see images of the historical development of NYC. At the bottom of the tower is a park commemorating the victims of the attacks along with an extensive museum. The museum houses moving exhibits about the significance of 9/11. For an additional fee (on top of the entrance fee), there are guided tours.

Friday, November 24, 2017

Travel insurance: Best 10 tips on finding the best deals

1. Never buy from a travel agent, tour operator or airline

This will almost certainly cost you more.

2. Decide on the cover you need before finding deals on comparison sites

Taking your iPad with you on holiday? That £10 cheapo one-week cover is useless when you realise it has a £250 excess and a single item limit of £150, so it won't cough up. Which? recommends travel policies should cover medical expenses of at least £2m (Europe) or £5m (worldwide); at least £3,000 for cancellation; and at least £1,500 for baggage and belongings cover.

3. Be sensible about the exces direct to you

That is the amount that you, the policyholder, has to pay towards any claim. If, for example, you claim for £600, and the excess is £150, the insurer pays out £450. If you set the excess high, the policy will be cheaper, but may not be worth having.

4. Check what is already covered by your home insurance policy or bank
Moneysupermarket.com, warns some policies charge an excess "per benefit section". "For example, if you were mugged, you could be charged £75 excess on the medical costs plus a £50 excess for loss of personal effects. Other policies charge just one excess per claim, which can work out much cheaper," it says.
Home policies often include insurance for personal possessions when away from home, so you can opt out of having baggage cover and save money. You may also have a credit card or current account that includes travel insurance but check that the cover is sufficient for your needs – such "free" insurance can sometimes be very basic.

5. Choose annual cover if you travel more than three times a year

According to Moneysavingexpert.com, if you travel three times or more a year (or twice or more if one trip is to the US) then getting an annual policy that covers the entire year's travel for one fee is likely to cost you less than buying separate single-trip policies. But note that annual policies won't cover backpackers on extended trips: they usually cover trips up to a maximum of 31 days.

6. Egypt is in Europe, but the US is not in the world

You don't need to buy a worldwide policy for much of north Africa: as Egypt, Morocco and Turkey come under Europe in most deals. But watch out, some "worldwide" policies exclude the US and Canada.

7. Look out for age limits and medical exclusions

Many policies, particularly the cheapest, will not insure anyone aged over 65, however fit and active. Most standard policies will also not cover any pre-existing conditions. So, for example, if you are asthmatic and suffer an attack on holiday that requires medical treatment, your policy will not pay out. Tell your insurer about any ongoing medical conditions and answer questions honestly. Some insurers may then agree to cover certain conditions for a small extra premium or, if your condition warrants it, refer you to a specialist insurer.

8. Even horse riding is adventurous

Many policies exclude "risky activities", which can be horse riding, scuba diving, jet skiing or mountain climbing. If you are going on a skiing holiday make sure the policy includes comprehensive winter sports cover.

9. Independent travellers should opt for scheduled airline failure cover

If you tend to make your own flight and accommodation arrangements, rather than booking a package, it's important your insurance includes scheduled airline and end-supplier failure cover, which protects you if an airline, villa company or ferry firm goes bust after you've booked your holiday. Note that even five-star policies may not cover airline failures.

10. Get an EHIC card

If you are heading to Europe, get a free European Health Insurance Card (EHIC), which gives you access to state-provided healthcare, at a reduced cost or sometimes free, when temporarily visiting an EU country, and also Iceland, Liechtenstein, Norway and Switzerland. Some travel insurance policies will waive the excess for medical claims if you use your EHIC to get medical treatment while travelling in the EU. The easiest way to apply for, or renew, an EHIC – which is valid for up to five years – is at ehic.org.uk. Alternatively, you can call 0845 606 2030 or pick up an application form from the Post Office. You'll need to supply the NHS or national insurance number, surname, forenames and date of birth of applicants.