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 typically 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 the 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.

How to Become a Real Estate Agent

Real estate agents are individuals who are very knowledgeable about the laws and regulations involved in the realty industry. Their clients must be able to trust these professionals with their confidential information. They serve as a medium between the buyer and seller. For the agents to be credible and trustworthy, they must pass the state and national licensing examinations. The real estate license indicates that the individual has what it takes to help their clients through the entire home buying or selling process.

If you are considering becoming a real estate agent, you need to learn the steps involved in becoming a licensed professional. You need to understand that the requirements and procedure for licensing is different from one state to another. To become an agent, you will need to complete a certain number of hours of realty education. The steps listed below are some of the most common procedures to become a licensed professional.

1. You must find out the qualifying age requirement : In most states, the applicant is required to be at least 18 years of age to take the pre-licensing courses and examinations.

2. Take realty training courses : Before you take the state and national licensing examinations, you will need to complete training courses. You must:

  • Complete at least 40 hours of training courses from a credible school.
  • After completing the courses, your school must submit a certificate to the State you are taking the exam.
  • If you are taking the courses online, make sure that it has a timing mechanism. This will help ensure seat time; then, you will have to stay in the course for a total of 40 hours.

As a tip, it is best to first find out the requirements of the state you want to practice in. In doing so, you will know the exact number of hours you need to spend in taking training courses.

3. Look for a broker : It is best to first look for a broker before you submit your licensing application. You need to look for reliable brokers in your location. The broker is responsible for making sure that you meet and maintain the requirements for the realty license.

4. Submit application for license : After you have completed the realty training courses, you must apply for a license. You need to do this within 36 months of completing the required courses.

5. Take the examination : After submitting your application, you must go online and look for the PSI website so that you can schedule your exam. To pass the exam, you will need to get a score of at least 70%.

How Can a Busy Mom Get Time for Fitness?

Are You a mom? Do You Have Time for Fitness? Moms really have a tough time. They are the cook, the maid, the taxi driver, the teacher, the referee, and the list could go on. If you're a mom, you know how to get things done for everyone else, but chances are, you do not take care of you. In the day where children keep parents on the go, it is hard to do the things you'd like to do.

School schedules, car pools and after school activities combined with household chores and a full-time job does not allow for much time to exercise and workout. However, that excuse is no longer good enough. Today's mom knows how to get things done. They can squeeze in a last minute dentist appointment for little Tamie and show up without a moment to spare for a class play that little Tommy forgot to mention. Super mom can always find time to do whatever needs to be done to run a happy home for all of the occupants. So the "I do not have time" does not fly anymore. In fact, moms everywhere should be embarrassed to use the excuse when a real mom knows, if you really want to do something it's like that Divine Sisterhood stuff, scoot on over, because here comes mom!

It is important to take care of yourself. Plenty of rest and exercise should be before one of those little things that you mark on the calendar and do. In fact, do it now. Mark in your day planner or on the dry-erase board your "me-time." Then, dust off that tennis racket and head on out for the courts with one of your girlfriends, or join a Fitness Center, or take up walking for overall health and fitness. Procrastination is a word that has no meaning for moms wanting to do something nice for their children, the same should apply for what you want or need to do.

Flexibility and diversification is a nice thing. Diversify your workout schedule to include solo walks, tennis matches with girlfriends, and horseback riding with your husband. Be creative in planning your week ahead. If you know that on Monday you have to pick up your daughter from school at 3:00, but your son gets out at 2:30, make proper use of your time and throw your Nike shoes in a gym bag and walk while you wait . If your daughter has a volleyball practice 25 minutes across town at the high school, then take your swimsuit and use the school's swimming pool to swim laps. Most schools do not mind if you call ahead and some even offer free swims on certain days of the week.

The most important thing for you to remember is that because you are a mom, you may have to jump in and take advantage of a thirty-minute window just to have time to exercise. Be prepared for those opportunities and learn to expect the unexpected and take care to use the time wisely. If your son's football practice is held over 45 minutes, continue walking around the track until you hear the sweetest words in the world, "MOM, I'm ready to go!" You can accomplish what you want, even as a busy mom.

Washing Clothes in Aromatherapy Oils

It wasn’t something I ever gave thought to until a few years ago while shopping in a linen store where I purchased some beautiful sheets. The shop assistant introduced me to the aroma therapy oils for washing clothes and things. She assured me they work as well or better than regular washing powders or products, they require no softeners, and they add a nice aroma to your clothes.

As they were on special at the time they seemed like a bargain so I bought a bottle to try it. The one I chose was lavender with some other aromas added. Surprisingly it came with a small measuring cup, about the size of a small medicine glass. The instructions are to add 40 ml per wash. The formula has changed recently to the one listed below.

From a litre bottle it meant about a six months’ supply. The cost was around $Au14.00 and compared to a regular washing product that was then being used this was cheap. There was no other additive required and the miracle is that it washes brilliantly.

Before long my sister was also using it along with my daughter and son. They all consider it a wonderful product. That’s when I decided to look into it further and see what made it so good.

The ingredients comprise:

15-20% non-ionic Surfantants (plant derived). These compounds lower the surface tension between 2 liquids or a liquid and a solid. That explains the power within it because anything on the surface of the cloth is easily removed through this process.

13-30% soap

5-15% Anionic Surfantants (plant derived)

5-15% alcohol

<5% enzymes

5% orange oil

0.5% fragrane

<1.5% fragrance oils

0.04 preservative

This is a simple combination of clever ingredients to use to enhance white sheets and fabrics is boosted by enzymes to improve cleaning performance. It is grey water compatible and there are 40 washes per bottle. The packaging is better for the environment because of less CO2 emissions from reduced transportation, less plastic, and cardboard packaging.

This information is taken from the supplier’s web site for accuracy. All up a great product and one that has many health benefits.