You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.
What is travel insurance? Well there are two kinds of insurance to look at when traveling.
1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.
2. Travel medical insurance protects you against any medical expense while traveling.
Ideally, you need a combination of the two when traveling.
Imagine these scenarios:
You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?
Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?
Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?
Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.
Every year the government deals with thousands of cases of travelers being injured, falling ill or dying overseas. This is a distressing situation for all involved, but made even worse when the travelers are not insured, often leaving them with huge bills to pay. Hospitalization in other countries can cost over one thousand dollars a day. Medical evacuations can be in the hundreds of thousands of dollars and if you die in Europe, it can cost over ten thousand dollars to bring your body back home. If you do not have travel insurance you have to cover these costs yourself (or your family will have to find the money).
Travel insurance is a cost you need to budget for. If you don’t take it out, your medical expenses could cost a whole lot more. Insure yourself and travel safe.
This article is brought to you by: Stuart S. Travel – Your Online Travel Guru
www.stuartstravel.com
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Why Traveling Without Insurance May Cost You More
Category Uncategorized
Online Health Food Stores Provide More Details on Health Drinks
Category Health Food
It may not always be easy to determine what items are really good for you by looking at nutrition fact labels, but online health food stores often have far more details available to consumers about products such as health drinks. This can help clear up some of the confusion for online health food store shoppers who want the highest quality nutrition. In typical retail supermarkets, items such as natural foods and health drinks may have only one natural ingredient, but still be labeled as “natural”.
Online health food stores are usually very thorough in describing the true nature of their products. They assure customers that things like preservatives, isolated vitamins, artificial dyes or sweeteners are not included in their health drinks. The owners of these smaller operations may even know their suppliers personally and visit the manufacturing facilities. This can give them additional certainty that the products are processed at low temperatures to maintain whole food structures of the truly natural ingredients. Unfortunately, some of the so-called health drinks and foods at typical stores are devoid of nutrients because of the packaging processes, but consumers are never made aware of this fact.
Here are examples of a few items you may find at an online health food store that appear the same as typical store bought items on the surface, but are vastly different in the way they are processed:
· Vitamins – At an online health food store it is more likely these are whole food vitamins, not isolated, which provides the body with more effective absorption of nutrients.
· Natural low carb foods – These are not fake-food substitutes, but real, all natural food formulas prepared with your total health in mind.
· Health drinks and herbal teas – These are not enhanced vitamin waters or colored sport drinks, but herbal beverages with whole food ingredients.
Often, these online health food store products provide more effective results with fewer empty calories and less wasted money.
Many of the natural foods and health drinks from an online health food store can contain ingredients from plants grown on small farms, without the use of pesticides and chemical fertilizers. This is vastly different from mass-produced products made with so-called “natural” ingredients that have been manufactured on giant factory farms with artificial fertilizers and dangerous pesticides. You would be surprised to know how many non-organic foods, and even some labeled as “natural”, have been grown that way. The USDA defines organic products as those produced by farmers practicing soil and water conservation. In addition, organic farmers must make use of renewable resources to protect the environment. This is the type of detailed information you are likely to find in health drinks at a reliable online health food store.
Some individuals avoid healthy lifestyles because they believe the cost is too great or that alternative choices will rob them of modern day conveniences. However, it’s important to realize now that modern technological advances can bring those conveniences to anyone with access to the Internet. Google or other search engines now provide an easy way to locate an “online health food store with all natural health drinks”.
Don’t be stuck under the false assumption that you can’t afford natural foods or health drinks without major sacrifices. It’s easier than ever to order health drinks from an online health food store and uncover more detailed information on what you are buying than you could ever find in a typical retail store.
The Voice of Small Business: It's a Start, But Small Businesses Need to Hear More
Category Uncategorized
When Sen. John McCain delivered the keynote address at the National Federation of Independent Business 2008 National Small Business Summit last month, he did much more than speak to several hundred interested small business owners. He pushed the concerns of a significant voting bloc to the forefront of the presidential campaigns. In fact, both Sens. McCain and Barack Obama have spent much time specifically addressing the No. 1 issue among small businesses — healthcare. And it’s about time.
Recognizing that healthcare costs have become unmanageable for many entrepreneurs, Sen. McCain said, if elected, his administration would introduce healthcare reform that would provide hardworking Americans more options and expand portability of coverage.
Sen. Obama, who was invited to speak at the Summit but did not attend, responded to Sen. McCain’s remarks by reiterating that small businesses need more options to access quality, affordable healthcare coverage. We also know both candidates recognize that implementing health information technology and addressing an inequitable tax structure should play a part in any comprehensive reform package.
Over the past few weeks, it’s been encouraging to see the candidates discuss the issues facing the small business, especially the rising cost of healthcare. But they — and all of our country’s leaders — must realize that entrepreneurs deserve more than just discussions. Because the truth is, these job creators, those on the front lines of the healthcare crisis, are the voters who will be electing the next president, and they are demanding the next administration and Congress implement real change that makes healthcare more affordable for working Americans.
According to a recent NFIB survey, 81 percent of small business owners and 52 percent of employees do not feel the presidential candidates are adequately addressing issues that are important to them, specifically healthcare. In fact, nearly three-quarters of those polled say fixing healthcare should be a top priority for the next president, and nearly 80 percent agree that “it is important to me to vote for a presidential candidate whose healthcare plan makes sense for small business.”
A similar survey showed that the small business community comprised 43 percent of U.S. registered voters and nearly 32 percent of the electorate on Super Tuesday. These numbers prove that small business is a powerful, motivated group in a position to demand substantial solutions to the healthcare crisis from their candidates.
Both candidates are focused on reforming our ailing healthcare system and have begun to recognize that small business must be considered in any proposed legislation. The National Small Business Summit may have ended, but small business’ commitment to achieving quality, affordable healthcare has not.
We’re at the beginning of long and productive discussions with both candidates to ensure the needs of small businesses remain at the forefront of the healthcare debate. Because we know that solutions to America’s healthcare crisis must start with small businesses, the backbone of the U.S. economy. When healthcare is fixed for small business, it will be fixed for America.