Travel http://www.wisebread.com/taxonomy/term/254/all en-US How to Make Good Money Teaching English in China http://www.wisebread.com/how-to-make-good-money-teaching-english-in-china <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-good-money-teaching-english-in-china" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/teacher_showing_painting_to_students.jpg" alt="Teacher Showing Painting To Students" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The demand for English teachers in China is high, with some estimates showing 300 million of the 1.4 billion strong population currently studying the language. Because of this widespread desire to learn English, there are lots of opportunities to teach it. Salaries for English teachers is usually between $1,200 and $2,100 per month, with added extras like free accommodation, insurance, language classes, flights to and from China, bonuses, and lunches on top of this. In a country where the cost of living is significantly lower than in the U.S., a teacher's salary can buy you a high standard of living. (See related: <a href="http://www.wisebread.com/15-ways-to-make-money-while-you-travel?ref=seealso" target="_blank">15 Ways to Make Money While You Travel</a>)</p> <p>Teaching English can be a great way to earn money abroad and learn about a new culture. Maybe you're a student looking for an exciting and fulfilling way to spend your gap year. Perhaps you're searching for a great job that can enable you to save money while you're traveling the world. Or you might even be seeking a new career that will allow you to permanently relocate to a completely different location.</p> <p>Whatever your motivations, teaching in China is an incredible experience, and in many instances it can also be financially rewarding. If you're ready to jump in, here's how to land a good paying job teaching in China. (See related: <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=seealso" target="_blank">The 3 Best Jobs for Expats and Travelers</a>)</p> <h2>Get qualified</h2> <p>Many institutions across China prefer candidates who have a university degree and will also look for some form of teaching qualification. The most widely recognized certificates are the Certificate in English Language Teaching to Adults (CELTA) and Teaching English as a Foreign Language (TEFL) certificate. Though you may be able to find jobs without any qualifications, it will be harder and the salary is likely to be far lower.</p> <p>A TEFL course will provide you with basic understanding of the techniques and knowledge you'll need to teach abroad, as well as a much better chance of landing a good-paying role. It's quick and easy to obtain via an online course or a classroom setting, that range in price between $190 and $2,500.</p> <p>When I taught English in China, the school paid for my TEFL training on-site, so I didn't have to have the certification before landing the job, but this isn't always the case.</p> <h2>Research in which area in China you'd like to live</h2> <p>China is a vast country, and everything including the culture, weather, salaries, living costs, and infrastructure vary from region to region. Because of this, it's important to do some research on China before you start applying for jobs. Keep in mind that most teaching positions come with a minimum of a one-year contract so it's important that you're happy with the location you choose.</p> <p>There are lots of big cities to pick from, with more than 100 cities that contain populations of more than 1 million residents, and these are where the majority of job opportunities lie. The bigger cities also tend to have the best-paying positions whereas more rural areas generally offer lower salaries. The very best tend to be in cities like Shanghai and Beijing, though these places also have a higher cost of living than the rural locations.</p> <p>I taught English in the small(er) city of Yangzhou in the Jiangsu Province and my salary wasn't as high as some jobs in Beijing and Shanghai, but the cost of living was so much lower that I was able to save more money than my friends teaching in the more popular cities.</p> <h2>Find positions to apply for</h2> <p>There are lots of different ways to go about searching for jobs, but your number one tool is going to be the internet. Your online TEFL certification provider will likely have a section on their site where they list available jobs, and sites like <a href="http://www.eslcafe.com/" target="_blank">eslcafe.com</a> and <a href="http://jobs.echinacities.com/" target="_blank">jobs.echinacities.com</a> are popular starting places. Another great way is to look for blogs written by people who have experience teaching in China and may be able to refer you to schools they worked in.</p> <p>There are also lots of recruitment agencies that act as third parties in the process by connecting you with schools that have open positions. Though many of them are trustworthy, bear in mind that they make money by successfully filling roles. Because of this, they may be tempted to bend the truth from time to time and possibly even promise things that won't actually materialize, so it's best to tread with caution.</p> <p>To minimize the chance of getting &quot;ripped off&quot; by spammy postings or bad recruiters, try to find contacts through sources that you can trust, and do your own research on the school and surrounding area.</p> <h2>Make sure you're applying to reputable schools</h2> <p>When you start researching teaching in China, you're likely to come across lots of horror stories. I've certainly read plenty of blog posts and articles written by people who have tried it, and for various reasons ended up in positions that they've hated. But you shouldn't necessarily let this put you off doing it altogether. Use it as inspiration to ensure you find a reputable school where you'll be treated well.</p> <p>Searching online is where you'll be able to gauge whether a school is reputable by reading detailed reviews by teachers. You'll start to get a picture of whether it's somewhere suitable or not. Though reviews are not foolproof, they're a starting point, and unless you get a word of mouth referral from someone you know, they're the best option available to you.</p> <p>I personally taught for Shane English School and there are many reasons why <a href="https://www.goatsontheroad.com/10-reasons-to-teach-for-shane-english-school-in-yangzhou-china/" target="_blank">I'm happy to recommend them</a>. They paid on time, offered bonuses, and truly valued all of the teachers that worked at the school.</p> <p>Whatever school you go with, it should offer return flights to your home country, health insurance, monthly salary, a proper working visa, and continued on-the-job training. You'll likely do a Skype interview with the school before accepting any teaching position, so guage their professionalism over the phone and go with your gut.</p> <p>As an added security measure, ask your contact at the school if they can request a chat with other foreign teachers working at the school. I did this with a couple of schools that I applied for and received some very constructive feedback (both positive and negative), which helped me to choose the right school for myself.</p> <h2>Make some extra money tutoring</h2> <p>It's worth noting that once you're in China, you'll find that many parents (often the parents of your own students) are looking for their child to have some extra one-on-one time with an English teacher.</p> <p>Tutoring jobs can pay very well and are a great supplement to your regular pay. In my experience, you can often land tutoring work for around $30/hour per student. Because many teaching contracts in China only require you to teach for 20 hours per week, there's generally plenty of time for teachers to pick up work on the side.</p> <p>If you want to find tutoring jobs, just look around at bulletin boards at different schools to see if there are any postings and ask other teachers and parents at your school.</p> <h2>Apply for your Chinese working visa</h2> <p>It's extremely important that you don't consider teaching English in China with anything other than the correct working visa. It's called a <a href="http://www.china-embassy.org/eng/hzqz/zgqz/t84245.htm" target="_blank">&quot;Z&quot; Visa</a> and is the only one which will entitle you to work legally, despite what some unscrupulous people may tell you. Working without one can land you in serious trouble as you'll essentially be working illegally and may even be classed as an illegal immigrant. If you're caught, you'll face a fine and could potentially be deported.</p> <p>Once you have your job offer, your chosen school should help you work your way through the process, but there are a number of basic steps you'll have to follow. You need to send your school copies of your passport, university degree, TEFL certificate, and sometimes a criminal record and medical check as well. Upon approval, the school will then supply you with an invitation letter and work permit, which you take to a Chinese embassy or consulate to obtain the Z Visa.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-make-good-money-teaching-english-in-china">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-incredible-world-cities-you-can-afford">5 Incredible World Cities You Can Afford</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-6-best-cities-for-single-millennials">The 6 Best Cities for Single Millennials</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tourist-towns-that-are-actually-great-to-live-in">6 &quot;Tourist Towns&quot; That Are Actually Great to Live In</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-get-college-kids-home-for-the-holidays-for-cheap">6 Ways to Get College Kids Home for the Holidays for Cheap</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-to-get-your-master-s-degree-abroad">3 Reasons to Get Your Master’s Degree Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Travel English teacher moving abroad moving to China relocating teaching English teaching jobs Mon, 11 Dec 2017 09:30:10 +0000 Nick Wharton 2068115 at http://www.wisebread.com 9 Things You Should Always Carry on an Economy Flight http://www.wisebread.com/9-things-you-should-always-carry-on-an-economy-flight <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-things-you-should-always-carry-on-an-economy-flight" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/great_music_in_the_airplane.jpg" alt="Great music in the airplane" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Flying in economy class today is a far cry from the golden age of flying, when a standard flight provided free blankets, meals, and even alcoholic drinks in some cases. Airlines these days compete to offer the lowest prices possible, and to do so, they&rsquo;ve stripped out many of the amenities they used to provide free on domestic flights.</p> <p>If your flight is more than an hour or two, it&rsquo;s usually worth bringing along some items that can make your flight more comfortable. Below are nine things to consider packing in your carry-on.</p> <h2>1. Water</h2> <p>Anyone who&rsquo;s ever flown knows the dry cabin air can leave you dehydrated. It&rsquo;s recommended you drink at least eight ounces of water per hour you&rsquo;re in the air. While many airlines still give you water for free, some discount airlines don&rsquo;t. Either way, it can take up to an hour after you board the plane for beverage service to start, so it&rsquo;s best to bring your own water.</p> <p>Though you&rsquo;re not allowed to take liquids through TSA checks, you can bring an empty bottle and fill it up once you&rsquo;re past airport security. If you&rsquo;re in a country where the water in the airport is not safe to drink, you may need to buy a bottle of water from a vendor in the airport. That&rsquo;s still better than not having any water with you on the flight. (See also: <a href="http://www.wisebread.com/5-cheap-ways-to-make-flying-coach-feel-like-first-class?ref=seealso" target="_blank">5 Ways to Make Coach Feel Like First Class</a>)</p> <h2>2. Snacks or a light meal</h2> <p>While some airlines still offer a small bag of pretzels to passengers, it&rsquo;s increasingly common to find there is no free food at all on a flight. Instead, many airlines offer overpriced meals or snacks that you can buy. If you don&rsquo;t want to pay those inflated prices, bring your own healthy nibbles. (See also: <a href="http://www.wisebread.com/15-easy-to-pack-delicious-and-cheap-airline-snacks?ref=seealso" target="_blank">15 Easy-to-Pack, Delicious, and Cheap Airline Snacks</a>)</p> <p>Light and lean proteins are best for long-distance flights because they are easy for your body to digest while sitting down for long periods of time. Turkey, chicken, tuna, and hard boiled eggs are good options that can easily be packed for your flight.</p> <p>Avoid foods that are deep fried, processed, or high in sugar, as they can make you feel fatigued and restless. It&rsquo;s equally important to watch what you eat before a flight. Gassy foods such as onions, broccoli, and carbonated beverages can make you feel bloated during long periods without physical activity.</p> <h2>3. Entertainment</h2> <p>Keeping yourself occupied is the easiest way to make a long flight go faster. That&rsquo;s why most planes come with some sort of in-flight entertainment. But many airlines now charge for movies, with prices topping $5 for a single film.</p> <p>If you don&rsquo;t want to pay those prices, plan ahead and make sure you bring something with you to do. Download your favorite film or show onto a tablet, bring a book or e-reader with you, or if you&rsquo;re traveling with friends or family, consider bringing a pack of cards or games you can play from your seat.</p> <h2>4. Headphones</h2> <p>Even airlines that do provide free entertainment tend to not provide the headphones to allow you to listen to it. The crew will offer headphones for sale at the beginning of the flight, but they&rsquo;ll be poor quality and expensive. Avoid that frustration by bringing your own pair of headphones so you can plug in for free if you get lucky with an in-flight movie.</p> <p>You might even consider upgrading to good pair of <a href="http://amzn.to/2ntqM8T" target="_blank">noise-cancelling headphones</a>, which can drown out unpleasant or distracting sounds.</p> <h2>5. Earplugs</h2> <p>Maybe you&rsquo;re the type of person who likes to catch a few winks on a flight. Earplugs are a must if you don&rsquo;t want a fitful nap interrupted by constant noise, especially in the tightly packed economy section.</p> <p>Believe it or not, earplugs are not all created equal. I always go for the plugs that cancel out the most noise, while still feeling comfortable. <a href="http://amzn.to/2jOUtfF" target="_blank">Mighty Plugs</a> are a great option for planes.</p> <h2>6. Eye mask</h2> <p>Once you&rsquo;ve planned for the noise situation, it&rsquo;s time to think about light. It can be difficult to catch some quality z's when the sun is streaming in through the windows and the cabin lights are on. An eye mask can be a godsend in these situations, providing you with the darkness you need.</p> <p>When shopping for a mask, look for something made from a cool, comfortable fabric with an adjustable strap. You may also want to consider a contoured shape that pushes the mask out from your face so it&rsquo;s not resting uncomfortably on your eyelids. (See also: <a href="http://www.wisebread.com/the-5-best-eye-masks?ref=seealso" target="_blank">The 5 Best Eye Masks</a>)</p> <h2>7. Pillow and blanket</h2> <p>Not so long ago, an airline branded pillow and blanket wrapped in a cellophane bag on your seat was a common sight. These days it&rsquo;s rare for airlines to provide them as standard in economy class. Even in the unlikely event that you do find a blanket waiting for you, you probably won&rsquo;t want to use it. Airline employees have admitted that the blankets are infrequently washed. You can buy travel blankets that roll up to a compact size. Another option is to wear a large scarf that you can cover yourself with.</p> <p>If you plan to do any sleeping, you&rsquo;ll want a pillow, too. An inflatable neck pillow is good because it folds up small for carrying. If you take frequent long-haul flights, you may even want to consider a <a href="http://amzn.to/2ikHnXi" target="_blank">lean-forward pillow</a>, which lets you use the space in front of you for a more comfortable sleep. (See also: <a href="http://www.wisebread.com/the-5-best-travel-pillows?ref=seealso" target="_blank">The 5 Best Travel Pillows</a>)</p> <h2>8. Compression socks</h2> <p>One of the best ways to get comfortable on a flight is to kick back and take your shoes off. But no one will appreciate it if your socks smell like you&rsquo;ve just run a marathon. The easiest way to ensure you don&rsquo;t stink up the cabin is to bring an additional pair of socks with you.</p> <p>Shell out a little extra for a pair of <a href="http://amzn.to/2iit5WQ" target="_blank">compression socks</a>, which will also significantly reduce your risk of suffering Deep Vein Thrombosis during your flight. Though they&rsquo;re particularly effective on long distance flights when the risk of DVT is higher, there&rsquo;s no harm in wearing them for flying short distances, as well.</p> <h2>9. Hand sanitizer and sterile wipes</h2> <p>Studies have shown that airline cabins are filthy spaces. Tray tables, seat belts, arm rests, and even suitcases are rife with bacteria. The pressure to quickly turn around an aircraft between flights inevitably means that they&rsquo;re not cleaned to a high standard.</p> <p>Since most of the harm materializes as a result of touching infected areas, you can reduce the potential by keeping good hygiene. Use sanitizer spray or sterile wipes on the surfaces around you, as well as regularly on your hands.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/9-things-you-should-always-carry-on-an-economy-flight">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-essentials-every-business-traveler-needs-to-pack">11 Essentials Every Business Traveler Needs to Pack</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-these-9-things-now-to-make-holiday-air-travel-easier">Do These 9 Things Now to Make Holiday Air Travel Easier</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-simple-ways-to-travel-greener-that-could-save-you-money">8 Simple Ways to Travel Greener That Could Save You Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Travel Coach coach seat economy flight flight essentials flight tips frequent flyer luggage packing tips travel tips Fri, 08 Dec 2017 09:30:11 +0000 Nick Wharton 2067353 at http://www.wisebread.com When Is Your Credit Card's Travel Insurance Good Enough? http://www.wisebread.com/when-is-your-credit-cards-travel-insurance-good-enough <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/when-is-your-credit-cards-travel-insurance-good-enough" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/travel_planning_concept_on_table_0.jpg" alt="Travel planning concept on table" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>People know travel insurance exists because they get the option to buy or decline it when they purchase airfare or book a vacation package. At the very least, many are informed of their credit card's perks and benefits &mdash; including travel insurance &mdash; when they sign up for a new card. (See also: <a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about?ref=seealso" target="_blank">6 Types of Travel Insurance Credit Cards Include That You Didn't Know About</a>)</p> <p>But, many people still don't know how travel insurance actually works. The complexities of travel insurance have made it so that few people understand whether they should buy it or when they actually need it.</p> <p>This tends to leave travelers with a lot of questions. For example, what does travel insurance cover? And, is the free insurance offered by your <a href="http://www.wisebread.com/top-5-travel-reward-credit-cards?ref=internal" target="_blank">travel credit card</a> actually enough to protect you? To find out, we interviewed some travel experts who rely on travel insurance and advise others on how to do the same.</p> <h2>What kind of travel insurance is available?</h2> <p>Travel insurance is a broad term to describe several different <em>types</em> of coverage related to travel. To make sure you're covered in a way that's meaningful both personally and financially, you need to determine the type of coverage you have, what your policy or rewards card covers, and if it's enough. (See also: <a href="http://www.wisebread.com/everything-you-need-to-know-about-buying-travel-insurance?ref=seealso" target="_blank">Everything You Need to Know About Buying Travel Insurance</a>)</p> <p>Here are the common types of coverage you can secure with a travel insurance policy and/or a rewards credit card that includes it:</p> <ul> <li> <p>Trip cancellation coverage &mdash; Reimburses you when a trip is canceled for reasons beyond your control</p> </li> <li> <p>Trip interruption coverage &mdash; Reimburses you for the unused components of your trip when your trip is interrupted due to a covered reason</p> </li> <li> <p>Emergency medical and dental &mdash; This coverage kicks in if you need emergency medical or dental care away from home</p> </li> <li> <p>Emergency medical transportation &mdash; This coverage provides emergency medical transportation, including air travel</p> </li> <li> <p>Baggage protection &mdash; Receive reimbursement if your baggage is lost, damaged, or stolen during travel</p> </li> <li> <p>Baggage delay coverage &mdash; Receive reimbursement for clothing, toiletries, and essential items when delayed baggage necessitates the purchase of these items</p> </li> <li> <p>Travel delay coverage &mdash; Provides reimbursement for meals or lodging when your travel is delayed for a covered reason</p> </li> <li> <p><a href="http://www.wisebread.com/what-exactly-does-travel-accident-insurance-cover-on-credit-cards?ref=internal" target="_blank">Travel accident coverage</a> &mdash; Provides financial reimbursement for death or dismemberment during travel</p> </li> <li> <p><a href="http://www.wisebread.com/what-does-car-rental-insurance-really-cover-on-your-credit-card?ref=internal" target="_blank">Rental car coverage</a> &mdash; Provides coverage for damage due to a collision or theft involving a rental car you pay for with the card</p> </li> </ul> <p>While you can get most of this coverage through a travel insurance policy or certain rewards credit cards, it's important to note that limits and caps can vary dramatically, and may make the coverage insufficient.</p> <p>Also keep in mind that for your credit card coverage to work, you must have used your card to pay for a major component of your travel such as your airfare. Simply having a credit card in your possession that offers travel insurance coverage is not enough.</p> <h2>When should you rely on travel insurance offered through a credit card?</h2> <p>So, when is it okay to rely on your credit card's travel coverage? While it depends a lot on your specific card, its policies, and your trip details, there are some basic rules of thumb to follow.</p> <p>According to travel guru Ariana Arghandewal from PointChaser.com, some of the obvious instances when you may be able to rely solely on credit card insurance are for car rentals and checked luggage. That's because rental car insurance and lost luggage coverage are included for cardholders of certain travel credit cards.</p> <p>Once you confirm the coverage you have by reading your credit card's terms and conditions, you should also check limits to make sure coverage is sufficient. For example, you may find your credit card offers lost baggage insurance with a $500 cap, which may not even be enough to replace your suitcase, let alone your belongings.</p> <p>If the limits your credit card sets leave you feeling vulnerable, it may be worth looking into buying a travel insurance policy with beefier coverage.</p> <h2>When should you buy a dedicated travel insurance policy?</h2> <p>There are times when any traveler should consider buying a separate travel insurance policy, one of the most common being when they're traveling to a destination where their health insurance coverage is no longer valid.</p> <p>It's not just getting sick that you need to worry about. You also have to think about motor vehicle accidents, especially if you don't have a personal car insurance policy. If you get hit while driving abroad, not having medical coverage or overseas auto coverage could leave you in a bind.</p> <p>&quot;Be sure to check with your health insurance company to see if they cover overseas medical expenses before leaving,&quot; says Lyn Mettler, who blogs about travel and credit cards at GotoTravelGal.com. &quot;If not, getting a travel insurance policy that covers you in the event of medical issues or emergency is a good idea.&quot;</p> <p>&quot;While most credit card companies will help <em>arrange</em> medical care, they will not pay for it,&quot; she says. Some credit cards offer some medical benefits, but the coverage amount is usually so low that it is not a true safeguard.</p> <p>Adventure travelers in particular should not rely on their credit card coverage, says Arghandewal. If you're planning to scuba dive or sky-dive, you may need to buy travel insurance and then pay extra to cover dangerous activities.</p> <p><a href="https://www.bhtp.com/our-products/exactcare" target="_blank">Berkshire Hathaway's ExactCare</a> insurance covers up to $25,000 in emergency medical coverage. &quot;Even pre-existing conditions are covered if insurance is purchased within 15 days of initial trip deposit,&quot; she says.</p> <p>It's also worth noting that, if you are purchasing an expensive, once-in-a-lifetime trip, you may want trip cancellation or interruption insurance with higher limits than you could get with a credit card.</p> <p>While some credit cards offer trip cancellation and interruption insurance that would work in this case, coverage caps can limit reimbursement to $10,000 or less, depending on the card.</p> <h2>What type of travel insurance is best for families who travel together?</h2> <p>While it's important to figure out travel coverage if you're traversing the globe by yourself or with a friend, traveling with a family in tow could easily raise the stakes. If you're in another country and your child gets sick, for example, you'll need to make sure you have the right coverage to reimburse you for interrupted plans, proper medical care, and potentially getting everyone home early.</p> <p>Trip cancellation or interruption insurance can work well for families since it can provide reimbursement for travel plans interrupted for by sickness or unplanned disasters.</p> <p>Even trip cancellation or interruption insurance provided for free through a credit card can work well in this respect, but you should check your card's coverage information.</p> <p>When traveling with family, it might be best to purchase a travel insurance policy good for everyone in your party no matter what. That way, you're covered if someone gets sick during your journey, a natural disaster ruins your itinerary, or some other unforeseen event thwarts your plans.</p> <h2>What about primary and secondary auto rental coverage?</h2> <p>Mettler says rental car insurance is actually one of the most valuable types of coverage credit cards offer. But you'll need to check whether your card offers primary or secondary auto rental coverage, and when this coverage is applicable.</p> <p>Primary auto rental insurance is particularly valuable because it will cover you without getting your personal auto insurance company involved, which could cause your personal insurance rates to go up. Secondary coverage means your personal auto insurance will pay first, and the credit card auto insurance will cover anything that is left.</p> <p>If you're traveling outside the U.S., chances are your personal auto policy won't apply. In that case, even secondary rental insurance offered by your credit card becomes your primary insurance. For it to be valid, you'll need to pay for the car with your credit card and decline all optional coverage offered by the rental car company.</p> <p>But before you do that, check for exclusions in your credit card's coverage. For instance, many issuers refuse to cover rentals in Israel, Ireland, Jamaica, Northern Ireland, Italy, Australia, and New Zealand.</p> <p>Other exclusions are common, too. Arghandewal notes that even some premium cards won't cover luxury vehicles, rentals exceeding 15 days, or car rentals in certain international markets. &quot;So if you're taking a cross-country road trip or traveling to Israel, you might want to take the sales rep up on the offer to buy additional rental coverage. The odds are, your credit card will not include it,&quot; she says (See also: <a href="http://www.wisebread.com/3-things-you-should-know-about-rental-car-insurance?ref=seealso" target="_blank">3 Things You Should Know About Rental Car Insurance</a>)</p> <p>While the collision damage waiver offered by rental car companies can be expensive, it may be worth it to have peace of mind.</p> <h2>How to know if you're covered</h2> <p>Travel blogger Lee Huffman of BaldThoughts.com says the key to protecting yourself is educating yourself on the types of coverage you have already and the types you can buy. From there, you can make sure you're covered sufficiently for every trip you take.</p> <p>&quot;As with any insurance policy, there are exclusions to coverage, so be sure to read through the details to make sure you are covered like you think you are,&quot; says Huffman. &quot;Don't be afraid to call the credit card company or travel insurance agency to get your questions answered.&quot;</p> <p>If you're on the fence about buying separate travel insurance or relying on your card, travel expert Howie Rappaport from AwardWallet.com suggests three simple steps. First, contact your card issuer to see what your card does and doesn't cover. Second, figure out what your own insurance policies might cover in terms of auto liability and health care. Third, do the math and assess your risk tolerance.</p> <p>&quot;It is all about the numbers and peace of mind,&quot; says Rappaport. &quot;There is no right answer here, but hopefully, you've figured out what makes sense after talking with everyone.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/holly-johnson">Holly Johnson</a> of <a href="http://www.wisebread.com/when-is-your-credit-cards-travel-insurance-good-enough">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-types-of-travel-insurance-credit-cards-include-that-you-didnt-know-about">6 Types of Travel Insurance Credit Cards Include That You Didn&#039;t Know About</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-surprising-insurance-policies-you-might-need">15 Surprising Insurance Policies You Might Need</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-protect-your-luggage-on-your-next-trip">9 Ways to Protect Your Luggage on Your Next Trip</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-should-buy-the-rental-car-insurance">6 Reasons You Should Buy the Rental Car Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-unexpected-ways-a-credit-card-can-save-you-money-on-travel">8 Unexpected Ways a Credit Card Can Save You Money on Travel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Insurance Travel lost luggage rental car insurance travel insurance travel medical insurance trip cancellation Fri, 08 Dec 2017 09:30:06 +0000 Holly Johnson 2068608 at http://www.wisebread.com Save Big With a Dream Wedding Overseas http://www.wisebread.com/save-big-with-a-dream-wedding-overseas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/save-big-with-a-dream-wedding-overseas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/just_married_couple_in_paris_france.jpg" alt="Just married couple in Paris, France" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to an annual survey by wedding planning site The Knot, the <a href="https://www.theknot.com/content/average-wedding-cost-2016" target="_blank">average cost of a wedding</a> in the U.S. now comes in at a whopping $35,329. This figure has been steadily rising over the decade that the site has been completing the study, clearly showing that people are willing to splash out more and more for their dream day. However, having your fairy tale wedding doesn't necessarily have to come with a make-believe price tag. (See also: <a href="http://www.wisebread.com/people-are-still-spending-too-much-on-their-weddings?ref=seealso" target="_blank">People Are Still Spending Too Much on Their Weddings</a>)</p> <h2>Incorporate the honeymoon into the wedding</h2> <p>By honeymooning in the same destination that you're getting married, you can combine the two costs rather than paying for a separate trip. The honeymoon can be one of the most expensive parts of getting married, but this way you're already in your desired location, so there are no extra travel costs.</p> <p>If you're concerned about the prospect of your family and friends being present for your honeymoon, then consider switching hotels once you've said &quot;I do.&quot; On the other hand, for some people, having loved ones there for the entire occasion may be a bonus.</p> <h2>Fewer guests mean lower costs</h2> <p>There's a good chance having your wedding abroad will automatically cull the guest list for you, and probably quite drastically. While it's common for weddings in the U.S. to top 100 guests, no matter how popular you are, your overseas celebration is unlikely to attract those numbers.</p> <p>Lots of people who may ordinarily expect to attend simply won't be able to take the time off work or be willing to pay to travel that far away. This is a deal breaker for some brides and grooms, but for others, it's a welcome way to organically trim the guest list and, therefore, expenses.</p> <h2>Check out shoulder season</h2> <p>Traveling during peak season costs more money, and exactly the same applies for weddings, so it's best to avoid it. However, off-peak times in popular destinations usually coincide with poor weather, and the last thing you want is for your dream beach wedding to be interrupted by wind and rain.</p> <p>A great solution is to have your wedding during the shoulder season. This is the period that falls between the lousy weather and peak season, so you get the bonus of both decent weather and fewer crowds. It also means that costs will be lower for both you and your guests. (See also: <a href="http://www.wisebread.com/the-best-times-of-year-to-travel-anywhere?ref=seealso" target="_blank">The Best Times of Year to Travel Anywhere</a>)</p> <h2>Choose a weekday</h2> <p>Guests who are able to attend your overseas wedding will more than likely be planning to spend a few days, or potentially a week or more in your chosen destination. This means that having your wedding on a weekday is unlikely to further affect their ability to be present.</p> <p>As in the U.S., in most other countries Saturday is the most popular day to get married, and therefore the most costly. If you can avoid tying the knot on the weekend then you're going to see costs come down dramatically.</p> <h2>Redeem travel rewards</h2> <p>With all the big-ticket items you'll be buying for the wedding, now is the perfect time to <a href="http://www.wisebread.com/get-started-with-travel-rewards-in-4-simple-steps?ref=internal" target="_blank">get started with travel rewards credit cards</a>. Start planning this as soon as possible because it will take you a while to accumulate enough travel rewards to make a significant difference in your wedding costs. If you're not already collecting travel rewards, then your first step will be to <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">choose the right credit card</a> for you.</p> <h2>Get married before the wedding</h2> <p>This may sound counterintuitive, but doing the legal part of the wedding before heading overseas could save you a lot of money, depending on where you plan on getting married. This is because each country has its own regulations and requirements you'll have to fulfill before being allowed to complete the ceremony there, which can be expensive and time consuming.</p> <p>Some countries require you to have been there for a fixed period of time before your ceremony, some require medical tests, and others have heaps of paperwork to complete. To save both the hassle and the expense you might encounter, the simplest option may be to have the official part of the ceremony completed in your home state.</p> <h2>Consider an all-inclusive wedding package</h2> <p>Though it can be cost effective to plan and book each detail of your wedding yourself separately, it's definitely worth looking into all-inclusive wedding packages. They will include all aspects of the wedding for a flat rate, which may help you budget and will definitely save you time.</p> <p>Resorts regularly have promotional packages available, particularly outside of peak season. You might be surprised at just how much you can save by considering an all-inclusive package.</p> <h2>Reduce decor costs</h2> <p>For many people, part of the reason for having an overseas wedding is incorporating a beautiful destination, the equivalent of which isn't available at home. This could be a white sand beach, a magnificent mountain backdrop, or a stunning garden to hold the ceremony in.</p> <p>One benefit of being surrounded by this natural beauty is that there's no need to go over the top with extra decor, so strip it back and let the location do the talking. Traditional decorations are extremely costly to buy or even rent, and the cost of things like favors and gifts can really add up. (See also: <a href="http://www.wisebread.com/how-to-save-big-on-everything-for-your-wedding?ref=seealso" target="_blank">How to Save Big on Everything for Your Wedding</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/save-big-with-a-dream-wedding-overseas">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-to-get-the-most-value-from-your-all-inclusive-vacation">11 Ways to Get the Most Value From Your All-Inclusive Vacation</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-affordable-destinations-for-people-who-love-to-fish">8 Affordable Destinations for People Who Love to Fish</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel destination wedding dream wedding travel overseas travel tips wedding wedding overseas wedding planning Thu, 07 Dec 2017 09:30:11 +0000 Nick Wharton 2067352 at http://www.wisebread.com 5 Natural Wonders You Can See For Free http://www.wisebread.com/5-natural-wonders-you-can-see-for-free <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-natural-wonders-you-can-see-for-free" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/amazing_nature_view_with_trolltunga.jpg" alt="Amazing nature view with Trolltunga" title="" class="imagecache imagecache-250w" width="250" height="142" /></a> </div> </div> </div> <p>Many people's bucket lists include visiting nature's most impressive sites: the Grand Canyon, Victoria Falls, the Great Barrier Reef, and Mount Everest, just to name a few. But entrance fees can cut into tight travel budgets.</p> <p>However, there are natural wonders that charge no entrance fees. These attractions are not man-made, they're totally wondrous, and cost nothing to visit and enjoy. Of course, you'll have to organize transport to and from the sites, but once there, you're free to witness them without paying for a ticket.</p> <h2>1. Harbor of Rio de Janeiro</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/aerial_view_of_christ_and_botafogo.jpg" width="605" height="340" alt="" /></p> <p>The harbor of Rio de Janeiro, also known as Guanabara Bay, is the second largest bay in Brazil, stretching 19 miles inland and over 17 miles across at its widest point. It's dotted with islands and surrounded by mountains, including the well known Sugar Loaf Mountain and Corcovado Peak with its Christ the Redeemer statue (there is a cost to visit the statue).</p> <p>The surrounding mountains provide spectacular vantage points to view the harbor from, and while the hikes to reach their peaks are challenging, the views far outweigh the exertion. Hiking up Pedra da Gavea (for experienced hikers/climbers only due to a technical section toward the top), Dois Irmãoes, or Corcovado will all give you panoramic views of the bay.</p> <h2>2. Dead Sea</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/dead_sea_salt.jpg" width="605" height="340" alt="" /></p> <p>Despite its moniker, the Dead Sea is actually a giant salt lake that borders Jordan, Israel, and Palestinian territories. The other part of its name is quite accurate, though, and stems from the fact that virtually nothing living can survive in its waters. This is due to the high concentration of salt contained in its water, almost 10 times as much as found in the ocean, making it one of the saltiest bodies of water on earth.</p> <p>Thanks to its high salinity, swimming in the Dead Sea is a strange and unusual experience. Rather than having to flap around to stay on the surface you can just lie back and let go. You'll naturally stay afloat. Most of beaches at the Dead Sea are privately owned and charge a fee to enter, however there are also a number of public beaches that you can use for free (including my favorite, Herodus Spring).</p> <h2>3. Redwood forests</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/path_in_the_redwoods.jpg" width="605" height="340" alt="" /></p> <p>Redwood National Park in California is famously home to some of the tallest trees on the planet, which can grow to well over 300 feet tall and have a diameter of 30 feet. These trees used to grow abundantly across much of California's coastline, but due to extensive logging over the past couple of centuries, their population has been significantly reduced. The remaining ones that lie within Redwood National and State Parks are now protected. While the state parks charge entrance fees, the national park is free to enter.</p> <p>Some of the oldest of these redwoods have been alive for more than 2,000 years, though the average age is closer to 600. Standing under one, you are completely dwarfed and can barely see the top. The feeling is both humbling and magnificent. There's plenty of wildlife to see as well, including elk, foxes, bears, and cougars on land. Because it's a coastal park, you can also catch sight of marine animals like whales and seals.</p> <h2>4. Amazon rain forest</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/wetlands_in_belem_do_para_brazil.jpg" width="605" height="340" alt="" /></p> <p>The world's largest rain forest covers an area of around 2,100,000 square miles and crosses into the territory of nine South American countries. Though 60 percent of the Amazon rain forest belongs to Brazil, parts of it stretch into Perú, Colombia, Venezuela, Ecuador, Bolivia, Guyana, Suriname and French Guiana. It's amazing not just for its vast size, but also for its incredible biodiversity, with one in 10 known species on the planet calling the thick entanglement of life their home. Running through it is the Amazon River, which at around 4,000 miles is the second longest river in the world, after the Nile River.</p> <p>Thanks to the enormous land area that it covers, there are hundreds of ways to get into the Amazon rain forest, and it's possible to enter from any of the countries that it covers. There are also a number of cities that lie within or on the edge of the Amazon rain forest, such as Manaus, Santarem, and Belem in Brazil as well as Iquitos in Peru.</p> <p>It's definitely not advisable to go off on big independent excursions through the rain forest, but there are plenty of jungle retreats and hotels that allow you to experience the Amazon up close. You may have to pay for a hotel, but most access points don't require an entrance fee.</p> <h2>5. Trolltunga</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/amazing_nature_view_with_trolltunga.jpg" width="597" height="340" alt="" /></p> <p>The spectacular Trolltunga overhang has been the star of adventurous travelers' Instagram feeds for many years now, and seeing the photos it's easy to understand why. Not only does the rock hang precariously over a 2,300 plus foot drop, but it overlooks some truly spectacular natural scenery. Lake Ringedalsvatnet sprawls out into the mountainous distance directly beneath the rock, whose name translates to &quot;troll's tongue,&quot; thanks to its long flat shape. Daredevil visitors perch themselves on the edge of the overhang for an adrenaline rush captured with the perfect snap.</p> <p>Thanks in part to Norway's right to roam rules that allow you to go virtually anywhere without restriction, you can hike to Trolltunga and even camp nearby for the night at no cost. Bear in mind that it's a challenging 10&ndash;12 hour round trip hike, so you'll need to be in decent shape, as people get caught out each year and have to be rescued. Your personal safety when you reach Trolltunga is also entirely up to you because there are no barriers or guards present.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-natural-wonders-you-can-see-for-free">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-free-accommodations-and-paid-jobs-on-boats">How to Get Free Accommodations (and Paid Jobs) on Boats</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel">6 Easy Ways to Get Free Travel</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-adventurous-things-you-should-do-before-you-die">15 Adventurous Things You Should Do Before You Die</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/once-in-a-lifetime-experiences-ive-earned-with-credit-card-rewards">Once-In-A-Lifetime Experiences I&#039;ve Earned With Credit Card Rewards</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel adventure travel adventures free free travel natural wonders nature outdoor travel Wed, 06 Dec 2017 09:30:11 +0000 Nick Wharton 2066635 at http://www.wisebread.com 7 Smart Reasons to Retire Abroad http://www.wisebread.com/7-smart-reasons-to-retire-abroad <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-smart-reasons-to-retire-abroad" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/senior_couple_walking_along_coastal_path.jpg" alt="Senior Couple Walking Along Coastal Path" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For some people retirement is a time to slow down, take stock, and simply enjoy not having to suffer the nine-to-five grind every day. For others it's an opportunity to fulfill long held ambitions and head overseas on a great adventure. If you're caught in two minds about what sort of life you want when you wave goodbye to your work commitments, here are seven reasons to retire abroad. (See also: <a href="http://www.wisebread.com/9-things-to-know-before-retiring-abroad?ref=seealso" target="_blank">9 Things to Know Before Retiring Abroad</a>)</p> <h2>1. Reduced cost of living</h2> <p>The U.S. is ranked by Numbeo.com as one of the top 25 most expensive countries in the world in terms of cost of living. That means there is a huge number of alternative countries where you could potentially reduce your living costs, and in many instances quite drastically. A 2015 report by the U.S. Government Accountability Office says that &quot;most households approaching retirement have low savings,&quot; meaning that many Americans could struggle in retirement.</p> <p>Perhaps you're among those concerned about the level of your savings as you head into retirement. But even if you're not, moving abroad to a country with a lower cost of living could be a good way to make your savings stretch. For as little as $1,000 a month you could afford a comfortable retirement in a number of exciting countries. (See also: <a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month?ref=seealso" target="_blank">5 Countries Where You Can Retire for $1,000 a Month</a>)</p> <h2>2. Higher standard of living</h2> <p>Along with a decrease in expenses, moving abroad could also bring you a higher standard of living than you'd achieve by staying in the U.S. Perhaps you dream of living by the beach, having help around the house, pursuing a pricey hobby, or being able to afford private nursing as you grow older. These may not necessarily be things you'd be able to afford at home, but could well be within your reach by moving abroad.</p> <p>Getting more for less is one of the main reasons many retirees decide to take the plunge and emigrate. Depending on the country you choose, things you might otherwise consider to be luxuries could become part of your everyday life. (See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <p>As an example, I'm currently living in Koh Samui, Thailand. Just the other day I spent $10 on a wonderful one-hour massage on the beach and I had a delicious organic meal at a beautiful yoga retreat for just $11. These types of experiences would have cost me a lot more in the U.S.</p> <h2>3. Better weather</h2> <p>A driving factor for a lot of retirees who decide to settle abroad is the promise of better weather in other countries. For many, people a cold climate and dreary weather are harder to cope with as they get older. There are plenty of places with tropical climates where you can expect blue skies and consistent heat, regardless of the month.</p> <p>Being able to say goodbye to long, hard winters and swap heavy overcoats for shorts and T-shirts is a fantasy that appeals to many of us. More sunshine doesn't just mean a permanent tan; it can also have a positive effect on your quality of life by allowing you to do more outdoor activities throughout the year. (See also: <a href="http://www.wisebread.com/how-to-choose-the-perfect-country-to-retire-in?ref=seealso" target="_blank">How to Choose the Perfect Country to Retire In</a>)</p> <h2>4. Cheaper health care</h2> <p>As we get older, the price and quality of medical services available to us naturally becomes a bigger concern. The cost of health care in the U.S. can be so expensive, it can drive you into medical debt. Many overseas retirement hot spots have excellent, affordable health care systems that are easily accessible. There are various options for how to pay for health care when you're abroad, and, depending on your circumstances, each has benefits and drawbacks.</p> <p>An international medical insurance policy is often the safest bet, as it provides comprehensive international coverage. This is ideal if you plan to travel. However, be aware that these policies often don't include treatments back in the U.S. so it's unlikely you'll be covered during visits home. Single country medical policies are available for if you're planning on staying solely in your chosen country and not traveling abroad.</p> <h2>5. To avoid regrets</h2> <p>Nobody wants to look back on their life and have regrets over the things they wish they had done, but never managed to. As a retiree you've most likely worked hard over the course of your career and potentially even sacrificed some of the aspirations that you had when you were younger.</p> <p>It's never too late to build the life of your dreams, and rest assured you won't be alone in heading overseas to do just that. Don't let fear of the unknown stop you from fulfilling those objectives in your golden years. (See also: <a href="http://www.wisebread.com/6-ways-travel-in-retirement-keeps-you-young?ref=seealso" target="_blank">6 Ways Travel in Retirement Keeps You Young</a>)</p> <h2>6. To slow down the aging process</h2> <p>Retirement abroad is the perfect time to welcome new challenges and take advantage of the exciting opportunities that come your way. The Alzheimer's Association suggests that mental stimulation can help stave off mental decline associated with aging and help build new brain cells in the process. Learning about a new culture, exposing yourself to different experiences, and taking up a new language are all great ways to exercise the brain. (See also: <a href="http://www.wisebread.com/5-ways-science-says-travel-is-good-for-your-health?ref=seealso" target="_blank">5 Ways Science Says Travel is Good For Your Health</a>)</p> <h2>7. For the adventure</h2> <p>No one knows exactly how retiring abroad will turn out, but one thing is for sure: It will be a great adventure. It will give you the opportunity to start afresh and live the life that you've always dreamed of. With all of the free time you'll have, the opportunities to travel, explore, and meet new people from a new culture are endless.</p> <p>Experience the different cuisine, take in unfamiliar scenery, and welcome the chances that arise with open arms. You might find your entire outlook on life changed, your opinions challenged, and preconceptions dashed. Retiring abroad could be the best thing you ever do. (See also: <a href="http://www.wisebread.com/5-countries-that-welcome-american-retirees?ref=seealso" target="_blank">5 Countries That Welcome American Retirees</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-smart-reasons-to-retire-abroad&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Smart%2520Reasons%2520to%2520Retire%2520Abroad.jpg&amp;description=7%20Smart%20Reasons%20to%20Retire%20Abroad"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Smart%20Reasons%20to%20Retire%20Abroad.jpg" alt="7 Smart Reasons to Retire Abroad" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-smart-reasons-to-retire-abroad">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-countries-where-you-can-retire-for-1000-a-month">5 Countries Where You Can Retire for $1,000 a Month</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care">4 Affordable Retirement Spots With World-Class Health Care</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-make-a-snowbird-retirement-affordable">6 Ways to Make a Snowbird Retirement Affordable</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-incredible-places-to-retire-abroad-that-anyone-can-afford">5 Incredible Places to Retire Abroad That Anyone Can Afford</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement Travel affordable retirement cost of living expat longevity retire abroad where to retire Tue, 05 Dec 2017 09:30:10 +0000 Nick Wharton 2066566 at http://www.wisebread.com 11 Essentials Every Business Traveler Needs to Pack http://www.wisebread.com/11-essentials-every-business-traveler-needs-to-pack <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-essentials-every-business-traveler-needs-to-pack" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_traveling_abroad.jpg" alt="Woman traveling abroad" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Business travel usually sounds like a lot of fun, until you're on the road constantly. Living out of a suitcase often means leaving some of your favorite things behind, and one delayed flight can throw off meetings, hotel reservations, and more.</p> <p>Whether you're an experienced business traveler or new to this particular adventure, there's a way to make the traveling life easier &mdash; by packing smart. Here are some things that the savvy business traveler should always have along for the ride. (See also: <a href="http://www.wisebread.com/11-ways-business-travel-helps-your-wallet?ref=seealso" target="_blank">11 Ways Business Travel Helps Your Wallet</a>)</p> <h2>1. A filtered water bottle</h2> <p>It's easy to forget just how essential water is for health and happiness. Make sure that you have safe, clean water to drink wherever you go by investing in a <a href="http://amzn.to/2mTf33g" target="_blank">water bottle that will filter contaminants</a> on its own.</p> <h2>2. A Wi-Fi hot spot</h2> <p>Airport and airplane Wi-Fi can be expensive and, if you happen to be in the wrong part of the airport, it can be spotty, too. Some places, it's also an unsecured network. While you can almost always turn your smartphone into a wireless hot spot, many business travelers prefer to carry a <a href="http://amzn.to/2mTtHY7" target="_blank">separate hot spot device</a>. Sometimes, work will even pay for it! (See also: <a href="http://www.wisebread.com/technology-hacks-for-the-international-traveler?ref=seealso" target="_blank">Technology Hacks for the International Traveler</a>)</p> <h2>3. A surge protector</h2> <p>Many power cords these days come with surge protection built in, but you can never be too safe (especially when traveling overseas). Carry a small surge protector with you, and you'll know that your devices won't get fried when you need them most. (See also: <a href="http://www.wisebread.com/the-5-best-power-surge-protectors?ref=seealso" target="_blank">The 5 Best Power Surge Protectors</a>)</p> <h2>4. A power bank</h2> <p>You never know when your phone, tablet, or laptop is going to run out of battery life, but it's almost guaranteed to be at the worst possible time. Save yourself the hassle of finding a charging station in an airport or bumming a charge off another traveler by making sure you have your power bank packed. Make sure yours is fully charged before you leave. (See also: <a href="http://www.wisebread.com/the-5-best-power-banks?ref=seealso" target="_blank">The 5 Best Power Banks</a>)</p> <h2>5. A small carry-on bag</h2> <p>Save money and hassle by investing in a <a href="http://amzn.to/2A0309b" target="_blank">carry-on bag</a> that conforms to TSA's standards, and fit everything you need for your trip into it. You could save between $50 and $100 per flight by not bringing extra luggage, and you'll have it all with you so you won't have to wait in line at baggage claim or have to worry about lost luggage. (See also: <a href="http://www.wisebread.com/21-unexpected-items-you-should-always-pack-in-your-carry-on?ref=seealso" target="_blank">21 Unexpected Items You Should Always Pack in Your Carry-On</a>)</p> <h2>6. A first aid kit</h2> <p>You never know when you'll trip or something unusual will happen and you'll need a Band-Aid or some ibuprofen. And you don't want to be heading into an important business meeting with an open cut or a splitting headache that could've easily been taken care of, had you planned ahead. Gather a few first aid items in a baggie before you leave, so these small inconveniences don't become bigger problems. (See also: <a href="http://www.wisebread.com/the-5-best-first-aid-kits?ref=seealso" target="_blank">The 5 Best First Aid Kits</a>)</p> <h2>7. Wrinkle releaser</h2> <p>Sure, many hotels now stock irons and ironing boards for travelers, but what if you end up running straight from the plane to a big meeting? Get rid of wrinkles on-the-go by bringing your own <a href="http://amzn.to/2zfx9yg" target="_blank">wrinkle-release spray</a> along. It's also useful when you don't feel like ironing in your hotel or you forget to send your clothes out for cleaning.</p> <h2>8. Travel apps</h2> <p>There are many apps out there geared toward business travelers. Apple's <a href="https://support.apple.com/en-us/HT204003" target="_blank">Wallet</a> lets you organize your boarding passes and other important data so you always have access to them. Send your confirmation and travel emails to <a href="https://www.tripit.com/" target="_blank">TripIt</a> and the app will create your itineraries for you.</p> <p>The point is, if you want to find an app to do something that will make your business travel easier, you probably can. Take the time to figure out what tasks you would like to do digitally, and download the apps that will work best for you. (See also: <a href="http://www.wisebread.com/7-apps-for-the-tech-challenged-traveler?ref=seealso" target="_blank">7 Apps for the Tech-Challenged Traveler</a>)</p> <h2>9. Travel-size personal care products</h2> <p>Hotels are always stocked with shampoo, conditioner, and soap for guests to use, but they don't usually have other essentials like face wash, deodorant, or hair styling products. These are must-haves for business travelers who need to be presentable and professional at all times, so make sure you have TSA-approved sizes of the personal care items you like to use.</p> <h2>10. The right travel rewards card</h2> <p>Some companies will let you book your own business travel and will reimburse you later. Whether this is true for you or not, it can pay to have a good travel rewards credit card along with you. Even if you can't book your own travel, these cards can offer rewards for things like dining out, entrance fees, and other travel costs you might incur on your own. Figure out what you will use your card for most and which type of points would help you the most, then get the card and reap the benefits. (See also: <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value?ref=seealso" target="_blank">Which Credit Cards Have the Best Travel Redemption Value?</a>)</p> <h2>11. Plastic bags</h2> <p>These are useful in so many ways. Use them to cover your shoes, store your dirty laundry, keep your toiletries from bursting all over your bag, and more. You may feel a little silly when you pack them the first time, but you're likely to find yourself using them over and over again during your trip.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F11-essentials-every-business-traveler-needs-to-pack&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F11%2520Essentials%2520Every%2520Business%2520Traveler%2520Needs%2520to%2520Pack.jpg&amp;description=11%20Essentials%20Every%20Business%20Traveler%20Needs%20to%20Pack"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/11%20Essentials%20Every%20Business%20Traveler%20Needs%20to%20Pack.jpg" alt="11 Essentials Every Business Traveler Needs to Pack" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/11-essentials-every-business-traveler-needs-to-pack">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-these-9-things-now-to-make-holiday-air-travel-easier">Do These 9 Things Now to Make Holiday Air Travel Easier</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/21-unexpected-items-you-should-always-pack-in-your-carry-on">21 Unexpected Items You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-simple-ways-to-travel-greener-that-could-save-you-money">8 Simple Ways to Travel Greener That Could Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-flying-easy-the-ultimate-carry-on-packing-list">Make Flying Easy: The Ultimate Carry-On Packing List</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Travel business traveler business trip carry-on luggage packing tips travel tips what to pack Thu, 30 Nov 2017 09:30:10 +0000 Sarah Winfrey 2063302 at http://www.wisebread.com 5 Exotic Yoga Retreats Anyone Can Afford http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-exotic-yoga-retreats-anyone-can-afford" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/buddha_image_thailand.jpg" alt="Buddha Image, Thailand" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You could be a yoga beginner with an interest in learning more, or an experienced yogi who has been practicing for years. Either way, there's no better place to enjoy a yoga vacation than in a beautiful, exotic location, and it doesn't have to cost an arm and a leg. Here are five exotic yoga retreats that won't break the bank. (See also: <a href="http://www.wisebread.com/how-to-build-your-best-travel-budget?ref=seealso" target="_blank">How to Build Your Best Travel Budget</a>)</p> <h2>1. Hariharalaya Yoga and Meditation Retreat &mdash; Siem Reap, Cambodia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/lion_statues_in_bakong.jpg" width="605" height="340" alt="" /></p> <p>Not far from Siem Reap and its famed Angkor Wat temple complex is where you'll find Hariharalaya Yoga and Meditation Retreat Center. Nestled in two acres of lush Cambodian jungle, its facilities include an outdoor lounging pool, a spa and wellness center, a library, an outdoor gym, an art studio, and a game room. The program here allows for plenty of free time to make use of the excellent amenities. You'll also have time to take trips into the local village of Bakong, where there's a small market and a temple that's part of the Angkor Wat complex.</p> <p>Retreats last for six days and have a dedicated schedule of yoga, meditation, and chanting, as well as numerous seminars delivered by guest speakers in various related fields. Costs range from $260 for a place in a dormitory to up to $330 for a private bamboo hut, and include all of your meals. The food served here is a buffet style assortment of vegan dishes and is considered to be a key part of the holistic health approach taken at Hariharalaya.</p> <h2>2. Swan Yoga &mdash; Goa, India</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/statues_inside_goa_gajah_temple.jpg" width="605" height="340" alt="" /></p> <p>India is the place where yoga is believed to have started, so it's no wonder that this country is something of a haven for yoga enthusiasts. Goa is one of the main yoga hubs and, as a result, has a great selection of retreats to choose from to suit all budgets. Swan Yoga caters to beginners right through to experienced yogis, and has a philosophy of Gurukula-style teaching. This is where students are welcomed to live side-by-side with teachers as part of their family, with the learning process becoming a natural byproduct.</p> <p>From October through May, Swan Yoga runs its signature Yoga Holiday, a one-week journey through meditation, chanting, and detox. It also offers a two-week Yoga Intensive Retreat package, which enables students to delve a little deeper. The Swan Yoga Holiday prices start at $400, while the Intensive Retreat runs from $775. On site there is a &quot;fake beach&quot; to relax on, and a jungle garden where many of the fresh fruit and vegetables are grown for the buffet-style meals that are included in the price. Accommodation comes in the form of budget, standard, and deluxe cottages, which are simple but very comfortable.</p> <h2>3. Serenity Eco Guesthouse &mdash; Bali, Indonesia</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/sunset_at_tanah_lot_in_bali_indonesia.jpg" width="605" height="340" alt="" /></p> <p>On the enchanting Indonesian island of Bali, in a tranquil fishing village called Canggu, you'll find the Serenity Eco Guesthouse. Though, as the name suggests, it is primarily a guesthouse, the vast majority of its visitors aren't just there for somewhere to lay their heads for the night. The main attraction is the comprehensive yoga schedule, which features up to 12 classes a day and includes various forms of yoga. They also have packages that encompass surfing, meditation, and life coaching for those who want a little extra.</p> <p>Seven-day yoga packages, which include six nights of accommodation, unlimited yoga classes, and a free breakfast, start at just $147 for shared dormitories. For the same package but with a private, air-conditioned room and private bathroom, prices start at $242. Though food beyond breakfast isn't included in the cost, the on-site Alkaline Restaurant serves vegetarian and vegan food with prices for a main dish ranging from about $2.25 to $3.75. On-site facilities include a 14-meter pool and a Vipassana meditation room. The retreat is also close to many of Bali's best known attractions.</p> <h2>4. Suan Sati &mdash; Chiang Mai, Thailand</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/buddha_image_thailand.jpg" width="605" height="340" alt="" /></p> <p>Though it's one of Thailand's largest cities, Chiang Mai has a laid back feel to it, completely removed from the mayhem of Bangkok. Slightly to the north is the small village of Ban Si Bunreuang where Suan Sati Yoga Retreat is based, surrounded by lakes, rice fields, and forests, and overlooked by picturesque mountains. The retreat considers itself a community, and encourages guests to integrate in the town by interacting with the locals and attending the Buddhist temple for ceremonies. You'll get a taste of traditional rural Thai life as well as becoming part of the Suan Sati family.</p> <p>Rather than offering set retreats, visitors are able to book as many days as they require. It is suggested, however, you spend at least a week here, and booking preference and discounts are given to guests who check in for longer durations. A week in a traditionally decorated bamboo dorm room will cost you around $250 and includes three plant-based, Thai-inspired meals a day. Additionally, you'll have full access to the daily schedule of yoga and meditation. Suan Sati's classes accommodate beginners and practiced yogis alike.</p> <h2>5. Casa Zen Guesthouse and Yoga Center &mdash; Santa Teresa, Costa Rica</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5197/dream_beach_nicoya_costa_rica.jpg" width="605" height="340" alt="" /></p> <p>Costa Rica has built a reputation as Central America's yoga capital over recent years, and people come from all over the world to study and practice here. Casa Zen Guesthouse and Yoga Center is located on the Nicoya Peninsula on Costa Rica's Pacific coast, and is just a stone's throw away from the sea. Located between two major surf breaks, Casa Zen welcomes both yoga lovers and surf fanatics in equal measure.</p> <p>There are two retreat options available, four nights or seven nights, which start at $106 and $168, respectively, in low season, or $110 and $175 in high season. This is for a dorm bed. Prices increase for private accommodations. Retreats include unlimited yoga classes, with a minimum of two scheduled per day, as well as a tropical breakfast. Other meals aren't included, but there is a professional kitchen for guests' use and there are also restaurants nearby (according to Numbeo, an inexpensive meal in Costa Rica is around $7). Surfing lessons, Pilates, and spa services are all available for extra fees.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-exotic-yoga-retreats-anyone-can-afford&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Exotic%2520Yoga%2520Retreats%2520Anyone%2520Can%2520Afford.jpg&amp;description=5%20Exotic%20Yoga%20Retreats%20Anyone%20Can%20Afford"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Exotic%20Yoga%20Retreats%20Anyone%20Can%20Afford.jpg" alt="5 Exotic Yoga Retreats Anyone Can Afford" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-easy-health-and-fitness-tricks-for-travelers">8 Easy Health and Fitness Tricks for Travelers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-99-best-fitness-hacks-of-all-time">Flashback Friday: The 99 Best Fitness Hacks of All Time</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-34-ways-fitness-can-improve-your-finances">Flashback Friday: 34 Ways Fitness Can Improve Your Finances</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel exercise fitness health retreat meditation practice yoga travel destinations travel tips yoga yoga getaway yoga retreat Thu, 30 Nov 2017 09:30:06 +0000 Nick Wharton 2059324 at http://www.wisebread.com The 5 Best Travel Towels http://www.wisebread.com/the-5-best-travel-towels <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-travel-towels" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_kids_towels_168445865.jpg" alt="Family using best travel towels" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Nobody wants to lug around a wet, heavy towel when they're traveling. Instead, take advantage of a travel towel that allows you to quickly dry off anywhere, without the hassle. They also tend to be sand-resistant, making them ideal for the beach or your next camping or hiking trip.</p> <h2>What is a travel towel?</h2> <p>A packable travel towel is designed to be easy for backpackers, campers, and travelers to carry around. If you're looking for the perfect travel towel, you'll want to find something that is lightweight, compact, and can dry quickly.</p> <h2>Top 5 travel towels</h2> <h3>Personal Packtowl</h3> <p><a href="http://amzn.to/2AkuvbC" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/packtowl.jpg" width="245" height="133" align="right" alt="" /></a>The <a href="http://amzn.to/2AkuvbC" target="_blank">Personal Packtowl</a> soaks up to four times its weight in water and then wrings out almost completely dry. It's lightweight, durable, ultracompact, and dries nearly 70 percent faster than cotton towels. It's made of a tough, yet ultrasoft microfiber blend and an odor control treatment that keeps it fresh and makes it last longer. The best-selling microfiber towel comes with its own storage pouch and is available in a wide range of colors and sizes. It's machine washable and has a convenient snap loop for hang drying. It's also recommended by The Wirecutter.</p> <p><a href="http://amzn.to/2AkuvbC" target="_blank"><em>Currently $13.95 on Amazon</em></a></p> <h3>Sea to Summit DryLite Towel</h3> <p><a href="http://amzn.to/2kciZeF" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sea%20to%20summit_0.jpg" width="187" height="245" align="right" alt="" /></a>The antibacterial <a href="http://amzn.to/2kciZeF" target="_blank">Sea to Summit DryLite Towel</a> is compact, lightweight, and made from a durable synthetic fiber with an ultrasoft suede finish. The absorbent microfiber towel is quick-drying and has a hang loop for even faster drying. It's machine washable and available in a wide range of colors and sizes. It's also recommended by Travel Gear Zone and has more than 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2kciZeF" target="_blank"><em>Currently $19.95 on Amazon</em></a></p> <h3>WildHorn Outfitters Microlite Microfiber Quick Dry Travel Towel</h3> <p><a href="http://amzn.to/2jwMTX2" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wildhorn.jpg" width="245" height="182" align="right" alt="" /></a>This durable set includes three compact, lightweight <a href="http://amzn.to/2jwMTX2" target="_blank">WildHorn Outfitters Microlite Microfiber Quick Dry Travel Towels</a>. The ultrasoft, plush microfiber material can hold up to four times its weight in water and dries up to 10 times faster than cotton towels. Each towel includes a mesh carrying case and hang loops for quicker drying. The set is recommended by Travel Gear Zone and has more than 500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2jwMTX2" target="_blank"><em>Currently $23.99 on Amazon</em></a></p> <h3>Youphoria Sport Microfiber Multipurpose Travel Towel</h3> <p><a href="http://amzn.to/2nfrvKJ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/youphoria_0.jpg" width="191" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2nfrvKJ" target="_blank">Youphoria Sport Microfiber Multipurpose Travel Towel</a> is ultra-absorbent and dries quickly. It's the perfect travel towel because it's lightweight, compact, and ultrasoft. It's available in a wide range of colors and sizes, and includes a mesh carry bag and hanging loop for easy drying. It has over 1,000 five-star reviews on Amazon and is backed by a satisfaction guarantee.</p> <p><a href="http://amzn.to/2nfrvKJ" target="_blank"><em>Currently $15.99 on Amazon</em></a></p> <h3>Microfiber Towel by Rainleaf</h3> <p><a href="http://amzn.to/2kciP6J" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/rainleaf.jpg" width="245" height="207" align="right" alt="" /></a>The <a href="http://amzn.to/2kciP6J" target="_blank">Microfiber Towel by Rainleaf</a> is fast drying, ultra-absorbent, thin, lightweight, and compact. The antibacterial towel is made of ultrasoft microfiber that feels like suede. It also includes a corner zip pocket, mesh carrying bag, and hang snap loops for easy drying. It's available in a wide range of colors and sizes, is recommended by The Wirecutter, and backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2kciP6J" target="_blank"><em>Currently $9.89 on Amazon</em></a></p> <p>And those are our recommendations for the best travel towels. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-travel-towels&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Travel%2520Towels%2520%25281%2529.jpg&amp;description=The%205%20Best%20Travel%20Towels"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Travel%20Towels%20%281%29.jpg" alt="The 5 Best Travel Towels" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-travel-towels">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luggage-scales">The 5 Best Luggage Scales</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-travel-adapters">The 5 Best Travel Adapters</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-binoculars">The 5 Best Binoculars</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-sleeping-bags-for-kids">The 5 Best Sleeping Bags for Kids</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-emergency-kits">The 5 Best Emergency Kits</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Travel 5 best camping towels product reviews shopping towels travel accessories travel towels Thu, 30 Nov 2017 09:00:10 +0000 Andrea Cannon 2064064 at http://www.wisebread.com 3 Flexible Ways to Cash In Your Miles and Points http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-flexible-ways-to-cash-in-your-miles-and-points" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/i_can_not_wait_to_get_on_that_plane.jpg" alt="I can&#039;t wait to get on that plane" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you're a beginner at traveling for free using miles and points, it makes sense to think of each program as a separate entity. Want to fly for free on American Airlines? Get some American AAdvantage miles. Want to stay at a Hilton for free? Start saving up Hilton Honors points.</p> <p>But once you've mastered the basics, you'll find that limitless opportunities arise when you start mixing and matching your programs, and adding in points from banks or credit card issuers, which can be traded for a variety of point types. When you start doing this, you not only gain more flexibility, but sometimes you're able to take advantage of deals and bargains that help you wring more value out of the points you have. (See also: <a href="http://www.wisebread.com/which-credit-cards-have-the-best-travel-redemption-value?ref=seealso" target="_blank">Which Credit Cards Have the Best Travel Redemption Value?</a>)</p> <p>For example, I will soon be using British Airways' Avios points to fly from California to Hawaii. Does British Airways fly from California to Hawaii? Nope. I'll be flying on Alaska Air. Alaska is a partner of British Airways, and accepts Avios for flights. Why use Avios? Because each airline has its own ways of calculating how many points different flights cost, and British Airways' system makes flights from the West Coast to Hawaii a better deal than I would get using Alaska Miles or other domestic carrier programs. Generally, booking a flight from the West Coast to Hawaii costs 12,500 Avios points each way, compared to 17,500 to 30,000 Alaska Airlines miles each way. Also, I happen to have plenty of Avios, but no Alaska Airlines miles. (See also: <a href="http://www.wisebread.com/how-airline-partnerships-can-supercharge-your-travel-rewards?ref=seealso" target="_blank">The Secret to Redeeming Travel Rewards With Airline Partners</a>)</p> <p>Here are the three main ways you can travel using points from different companies to get the best deal possible.</p> <h2>Use miles on a partner airline</h2> <p>The major airlines belong to large partnership programs. For example, United Airlines belongs to the <a href="https://www.united.com/CMS/en-US/Marketing/CustComm/Promotions/Pages/AirlinePartners.aspx" target="_blank">Star Alliance</a>, allowing its MileagePlus members to use or earn United miles on 26 other airlines, including Lufthansa and Singapore Airlines.</p> <p>Sometimes these mileage partners show up when you search for flights to book on an airline site, so you might not even notice that you're flying a partner airline until you get to the airport. Other times, you need to work a little harder. For my flight to Hawaii, for example, I will have to make the reservation by phone, because Alaska Airlines flights don't show up on the British Airlines booking site.</p> <p>Besides helping you get a good deal, this method can help you use your miles to access routes or destinations that aren't served by the airline with which you hold the miles. For example, last year I wanted to fly direct from San Francisco to Sydney, Australia. I had accumulated a lot of American AAdvantage miles, so that's the &quot;currency&quot; I wanted to pay with. American doesn't fly to Sydney from San Francisco, but its partner Qantas does, so I used my AAdvantage miles to fly Qantas. (See also: <a href="http://www.wisebread.com/comparing-miles-which-airline-loyalty-program-is-better?ref=seealso" target="_blank">Which Airline Loyalty Program Has the Best Value for Their Miles?</a>)</p> <h2>Transfer points from one program to another</h2> <p>You can't generally transfer miles from one airline to another, but you can often transfer points from a hotel loyalty program to an airline or from a credit card travel rewards program to an airline or hotel. These companies all have exchange agreements with select partners &mdash; and sometimes you can actually gain value by moving your points from one program to another. But beware, in some cases you lose value in the transaction.</p> <p>Before you start converting points, check the conversion rate carefully. Most of the time it'll be 1:1, meaning one credit card reward point can be converted to one airline mile. But other times, it might take two credit card rewards point to get one airline mile. Sometimes this is still going to be worth it to you, because that airline is the only one that will get you to your destination. But other times, it's better to consider another option that does give you a 1:1 ratio.</p> <p>However, another scenario is when you get a <em>better</em> value than 1:1. Some programs will give you a bonus for transferring your points. That's why it pays to shop around when <a href="http://www.wisebread.com/choose-the-best-travel-rewards-credit-card-with-this-guide?ref=internal" target="_blank">choosing a travel rewards credit card</a>.</p> <p>What if the airline you want to fly doesn't have a partnership with the points program you want to use? All's not lost. You can arrange a double transfer. A what now? Well, imagine you have a bunch of rewards points, but it doesn't transfer to the airline miles you want. But do a little digging and you notice that the credit card rewards program allows you to convert to a certain hotel program, which allows you to transfer those hotel points to its partner airline program, the very airline you want to fly. Unfortunately, many times this sort of double transfer will cause you to lose lots of value in your initial points. Especially since hotel loyalty programs generally have poor exchange rates. So consider the double exchange a last resort in most cases.</p> <p>It's always a good idea to search for a more direct strategy before resorting to a double transfer. Or if that sounds too complicated, try method three, below.</p> <h2>Spend points like cash on a travel portal</h2> <p>Credit card rewards programs have portals through which you can book flights on a variety of airlines (and hotels) using points. Usually, when going this route, your points will be converted to a discount on the cash price of the flight, and if you don't have enough points, you can pay the remainder in cash.</p> <p>The value per mile you get when shopping through the airline portals is often a little less than you would get by redeeming miles directly through an airline, but there is also an advantage to doing it this way: The airlines see your booking as a cash purchase, not a miles redemption. This means that you're not limited to the sometimes small number of award seats made available by the airlines, or by holiday blackout dates. Even better, when you book this way, you can earn miles on the flight. And some flights booked this way may be eligible for upgrades.</p> <p>Sometimes, the credit card portals sweeten the deal. Because I hold a premium card, for instance, I got a points rebate for my flight purchase, reducing the total cost of the trip. My card also gives me five points for every dollar I spend on the portal, so between getting miles for flying, a points rebate on some of the points I spent, plus five points for every dollar cash I paid, I considered this a win/win/win.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F3-flexible-ways-to-cash-in-your-miles-and-points&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F3%2520Flexible%2520Ways%2520to%2520Cash%2520In%2520Your%2520Miles%2520and%2520Points.jpg&amp;description=3%20Flexible%20Ways%20to%20Cash%20In%20Your%20Miles%20and%20Points"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/3%20Flexible%20Ways%20to%20Cash%20In%20Your%20Miles%20and%20Points.jpg" alt="3 Flexible Ways to Cash In Your Miles and Points" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-airline-miles-while-you-shop">How to Earn Airline Miles While You Shop</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-buy-and-sell-airline-miles">How to Buy and Sell Airline Miles</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-the-most-out-of-airport-lounge-access">How to Get the Most Out of Airport Lounge Access</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-easy-ways-to-get-free-travel">6 Easy Ways to Get Free Travel</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-protect-your-luggage-on-your-next-trip">9 Ways to Protect Your Luggage on Your Next Trip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Shopping Travel airline miles airline points free travel frequent flyer miles shopping tips travel tips Wed, 29 Nov 2017 09:30:10 +0000 Carrie Kirby 2062562 at http://www.wisebread.com 7 Easy Steps for Planning a Trip Around the World http://www.wisebread.com/7-easy-steps-for-planning-a-trip-around-the-world <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-easy-steps-for-planning-a-trip-around-the-world" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/travel_booking_website_in_mobile_phone_screen.jpg" alt="Travel booking website in mobile phone screen" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Organizing an around-the-world trip is a daunting task, particularly if you've never traveled extensively before. Take the stress out of the planning stage by following these seven easy steps.</p> <h2>1. Figure out where you want to go</h2> <p>This is the really fun part where you get to use your imagination, and dream without inhibitions. Many people have some kind of bucket list or collection of countries that they've always wanted to see, and this is a great place to start. Seek out inspiration from travel sites, guidebooks, and social media, and think big. You can condense your list later. (See also: <a href="http://www.wisebread.com/25-incredible-places-you-must-visit-before-you-die?ref=seealso" target="_blank">25 Incredible Places You Must Visit Before You Die</a>)</p> <p>Getting yourself a large world map and putting a sticker on each destination on your list can be a good way to visualize where they are in relation to each other. Alternatively, you can create a spreadsheet or use a notebook to group countries by continent. Both of these will help you when it comes to planning a coherent route.</p> <h2>2. Decide the length of your trip</h2> <p>There are plenty of considerations when deciding how long to go for, not the least of which are the size of your budget and the status of your job. If you're planning on quitting your job, then you have a lot more leeway. But if you're working within the restrictions of a sabbatical, or need to negotiate extended leave, then this may dictate the length of your trip.</p> <p>Here's where you'll need to be realistic as to how much of your bucket list you can get checked off. Start to narrow down your number of destinations based on how much they excite you, why you want to visit, and what you're going to do there. For example, if Tokyo is on your list simply because you want to go on a high-speed train but the rest of Japan doesn't appeal to you, save that for another trip. Find a balance between the cost of travel in each country and how badly you wish to visit them. (See also: <a href="http://www.wisebread.com/the-easy-way-to-save-up-a-big-travel-budget?ref=seealso" target="_blank">The Easy Ways to Save Up a Big Travel Budget</a>)</p> <h2>3. Finalize the route and pick your method</h2> <p>Now that you've decided on the places that you'd like to visit, you need to work out the most sensible course to take between them and how you're going to do it. The best routes cut down on the amount of travel needed by avoiding any doubling back and following a natural path between countries. This will save you time and money, as well as lessen your impact on the environment.</p> <p>Round-the-world plane tickets can cut down on hassle, but they do have limitations on both time and destinations. Also, sometimes it's cheaper to book flights separately. If you choose to do the latter, you'll gain flexibility and could save money by booking cheap flights, but you will have to arrange everything yourself. A <a href="http://www.wisebread.com/5-best-sign-up-bonuses-for-airline-miles-credit-cards?ref=internal" target="_blank">good airline rewards credit card</a> can also help you earn free flights. (See also: <a href="http://www.wisebread.com/10-flight-booking-hacks-to-save-you-hundreds?ref=seealso" target="_blank">10 Flight Booking Hacks to Save You Hundreds</a>)</p> <p>Keep in mind that individual flights are much more expensive than booking multiple legs at once. Consider using the &quot;multi-flight&quot; or &quot;multicity&quot; tool on your favorite flight booking engine to enjoy discounts on taking numerous flights in a given time period. If you know you're going to travel to New York, London, Paris, and Tokyo, use the multi-flight tab and book all your flights at once to save money. (See also: <a href="http://www.wisebread.com/extend-your-vacation-for-free-with-open-jaws-and-stopovers?ref=seealso" target="_blank">Extend Your Vacation for Free With Open Jaws and Stopovers</a>)</p> <h2>4. Work out your budget</h2> <p>This is one of the trickiest parts of planning a round-the-world trip because there are so many things to consider. They include not only your flights, accommodations, and food, but you also have to factor in visas, insurance, attraction entrance fees, and any necessary vaccinations before you set off. You should also include an emergency contingency, since travel has a way of raising the unexpected and you don't want to be stuck in an unfamiliar country. (See also: <a href="http://www.wisebread.com/everything-you-need-to-know-about-buying-travel-insurance?ref=seealso" target="_blank">Everything You Need to Know About Buying Travel Insurance</a>)</p> <p>Set up a spreadsheet with each country you're visiting, including columns for all of the expenses you anticipate you'll incur while there. There's no substitute for good old-fashioned research here. You don't have to come up with a detailed breakdown of every single dollar you'll spend, but try to come up with the main expenses and a daily ballpark figure. Guidebooks, blogs, and sites like <a href="https://www.numbeo.com/cost-of-living/" target="_blank">Numbeo</a> will give you an indication of the amount you can expect to spend in each place. From here, calculate a daily average that you can multiply by the amount of time you have in each destination.</p> <h2>5. Select when is best to go and in which direction</h2> <p>If there are activities on your bucket list that you need to book in advance, then let those dictate when you set off and in which direction. For example, due to strict regulations on visitor numbers, it's necessary to book the classic Inca Trail trek to Machu Picchu well in advance. You'll need to work the dates around activities like this to ensure you're able to do them.</p> <p>The same goes for important festivals and annual holidays that you may want to experience, or overly busy public holiday periods you may want to avoid.</p> <p>Weather usually plays a large part in people's decisions about when to travel, and most try to avoid extreme weather events like rainy or hurricane seasons. Chasing the sun is a popular thing to do on a round-the-world trip. All of this will determine whether you head east or west, and what time of year to set off. (See also: <a href="http://www.wisebread.com/the-best-times-of-year-to-travel-anywhere?ref=seealso" target="_blank">The Best Times of Year to Travel Anywhere</a>)</p> <h2>6. Start saving up</h2> <p>There are a million and one different methods of <a href="http://www.wisebread.com/15-easy-ways-to-save-for-your-dream-vacation?ref=internal" target="_blank">building up a vacation fund</a>, but ultimately it's all about reducing your expenses and increasing your income. Set a savings goal that covers your budget and start putting away a fixed amount each month to meet it. Saving up to travel the world is a very particular enterprise, as you have a specific, life-changing goal in mind.</p> <p>While you're saving, keep in mind that there are many <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=internal" target="_blank">travel jobs that can help you earn money</a> overseas, so you could potentially extend your trip even further by working while you're on the road.</p> <p>What more inspiration could you possibly want to keep you on the right track than picturing yourself standing near the Christ the Redeemer statue in Brazil or lying on a tropical beach in Thailand? If traveling the world is something that you truly have your heart set on doing, then it will provide you with all of the motivation you need.</p> <h2>7. Plan what you're going to pack</h2> <p>This will be affected by what type of traveler you are, but a good rule of thumb is to pack as light as possible. Lugging multiple suitcases around the world for months on end will get very tiring very quickly. Remember, you can buy virtually anything you need virtually anywhere in the world, so do away with all the &quot;just in case&quot; items. (See also: <a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler?ref=seealso" target="_blank">15 Packing Secrets From a Professional Traveler</a>)</p> <p>By now you should have a good idea of the climates of the countries you're going to visit, but you should also research what's appropriate to wear. Take into consideration local cultural and religious customs to ensure you don't offend anyone. Consider buying some specialized clothing or gear along the way so that you don't have to carry it on your whole trip. For instance, if you're planning to trek to Everest Base Camp, you may want to wait until you get closer to that portion of your trip to think about buying what you need.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-easy-steps-for-planning-a-trip-around-the-world&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Easy%2520Steps%2520for%2520Planning%2520a%2520Trip%2520Around%2520the%2520World.jpg&amp;description=7%20Easy%20Steps%20for%20Planning%20a%20Trip%20Around%20the%20World"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;">&nbsp;<img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Easy%20Steps%20for%20Planning%20a%20Trip%20Around%20the%20World.jpg" alt="7 Easy Steps for Planning a Trip Around the World" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-easy-steps-for-planning-a-trip-around-the-world">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers">25 Secrets From the World&#039;s Most Frugal Frequent Travelers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford">5 Exotic Yoga Retreats Anyone Can Afford</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-essentials-every-business-traveler-needs-to-pack">11 Essentials Every Business Traveler Needs to Pack</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-travel-more-in-retirement">7 Ways to Travel More in Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel around the world planning a trip travel plan travel tips world travel Wed, 29 Nov 2017 09:30:06 +0000 Nick Wharton 2059320 at http://www.wisebread.com 5 Details You Shouldn't Neglect When Retiring Overseas http://www.wisebread.com/5-details-you-shouldnt-neglect-when-retiring-overseas <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-details-you-shouldnt-neglect-when-retiring-overseas" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_african_american_couple_embrace_on_beach_boardwalk.jpg" alt="Happy African American Couple Embrace on Beach Boardwalk" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No one should take the decision to retire abroad lightly. It's a big move that involves a huge amount of careful planning in order to execute it successfully. But even people who believe they've covered every aspect of their move abroad can still overlook some important details. Here are five planning details you shouldn't neglect when retiring overseas. (See also: <a href="http://www.wisebread.com/9-things-to-know-before-retiring-abroad?ref=seealso" target="_blank">9 Things to Know Before Retiring Abroad</a>)</p> <h2>1. Health care</h2> <p>Having a plan in place for how you're going to cope with any adverse health complications that may arise is absolutely paramount. Each country has its own individual health care system in place. Some of these are complicated to access and understand. Some are private, some public, and others are a mixture of the two.</p> <p>Health care is also potentially extremely expensive if you choose to pay out of pocket, meaning you'll need to get familiar with those costs before choosing where you settle. As a U.S. citizen living abroad, you will not be covered by Medicare in your chosen country, so it's important to have an alternative plan. (See also: <a href="http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care?ref=seealso" target="_blank">4 Affordable Retirement Spots With World-Class Health Care</a>)</p> <p>With the majority of U.S. health plans, you won't actually be covered when you're abroad. Depending on the country you're in, you should either get an in-country insurance plan or comprehensive international insurance coverage.</p> <p>Another thing to consider is the standard of health care in your chosen destination, as well as where you would have to go for treatment. Even those countries that boast world class health care may have very few clinics and hospitals in more rural areas, making them far harder to access. (See also: <a href="http://www.wisebread.com/how-to-choose-the-perfect-country-to-retire-in?ref=seealso" target="_blank">How to Choose the Perfect Country to Retire In</a>)</p> <h2>2. Local laws</h2> <p>Before making your big move, you need to have thoroughly researched the local laws in your country of choice and how they might affect you when you're living there. It's best not to assume anything without knowing the legal realities, as regulations are very different in each country.</p> <p>Your will may not be legally enforceable in the country of your choice, and if you have assets, investments, and properties in different countries, things can become extremely complicated. Each country's laws need to be taken into account when the will is being finalized to ensure that your wishes are carried out correctly.</p> <p>An example of this is forced heirship laws in some European and Latin American countries. These laws state that certain relatives cannot be disinherited from your estate, usually a spouse, children, and grandchildren. There are also lots of tax implications to be considered.</p> <p>But legal matters go beyond those referring to your assets. Think about other things like driving and traffic laws, and the legality of your license if you intend to drive. Even political and civil freedoms you take for granted at home might be entirely different. (See also: <a href="http://www.wisebread.com/5-countries-that-welcome-american-retirees?ref=seealso" target="_blank">5 Countries That Welcome American Retirees</a>)</p> <h2>3. Tax requirements</h2> <p>Unfortunately, if you remain a U.S. citizen when you retire abroad, your U.S. tax obligations are an inescapable reality, regardless of where you go in the world. You're still required to file your tax returns every year with the IRS exactly as if you were still at home.</p> <p>These rules stand even if you relocate all of your assets to your country of retirement, or any other country for that matter. Depending on which country you are in, you'll more than likely have to fulfill tax obligations there as well, which will potentially mean you'll end up being double taxed.</p> <p>There are a number of countries around the world that have policies in place to address double taxation. For example, Portugal offers Non-Habitual Resident Status, which exempts retirees from paying taxes there. Even so, you will generally still need to continue to pay taxes in the U.S. (See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <h2>4. Future assistance to loved ones</h2> <p>As a retiree, you may have children and grandchildren, and even if they're no longer dependent on you, you might still wish to help them out from time to time. If this is the case, then include a contingency for these expenses in your retirement plan.</p> <p>You might want to contribute toward your children's weddings, help them with a deposit for their first house, or to come and visit you as a family. Grandchildren might have school trips, first cars, or college expenses that you want to assist with, as well.</p> <p>Wherever these costs may come from, you'll need to have a plan for how you're going to pay for them. This is a separate contingency from your own personal one and you should consider how you can pay for these expenses without denting your own savings. (See also: <a href="http://www.wisebread.com/dont-let-these-expenses-spoil-your-retirement-abroad?ref=seealso" target="_blank">Don't Let These Expenses Spoil Your Retirement Abroad</a>)</p> <h2>5. An exit plan</h2> <p>Even the best laid plans can go awry, so though it will probably be the very last option you want to consider, it's important to have an exit plan in place. No matter how thorough you are, there are lots of outside factors that could turn your dream sour, and the fact is that it may not work out.</p> <p>Political instability, drastic fluctuations in exchange rates, financial scams, and even wars could all affect your experience. Homesickness could affect you in ways that you never thought possible.</p> <p>Without allowing it to negatively impact your retirement by making it a constant consideration, it's still a good idea to make a robust plan for retreating, if need be. Put together a strategy and then forget about it until it's absolutely required. (See also: <a href="http://www.wisebread.com/9-retirement-hotspots-that-are-cheaper-now-than-ever-before?ref=seealso" target="_blank">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-details-you-shouldnt-neglect-when-retiring-overseas&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Details%2520You%2520Shouldnt%2520Neglect%2520When%2520Retiring%2520Overseas.jpg&amp;description=5%20Details%20You%20Shouldnt%20Neglect%20When%20Retiring%20Overseas"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Details%20You%20Shouldnt%20Neglect%20When%20Retiring%20Overseas.jpg" alt="5 Details You Shouldn't Neglect When Retiring Overseas" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/5-details-you-shouldnt-neglect-when-retiring-overseas">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-financial-steps-to-take-before-retiring-abroad">13 Financial Steps to Take Before Retiring Abroad</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-choose-the-perfect-country-to-retire-in">How to Choose the Perfect Country to Retire In</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-retirement-hotspots-that-are-cheaper-now-than-ever-before">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-smart-reasons-to-retire-abroad">7 Smart Reasons to Retire Abroad</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care">4 Affordable Retirement Spots With World-Class Health Care</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement Travel moving in retirement overseas retirement overseas travel retirement plan retirement planning retirement tips retiring abroad Tue, 28 Nov 2017 09:30:10 +0000 Nick Wharton 2058831 at http://www.wisebread.com 7 Ways to Travel More in Retirement http://www.wisebread.com/7-ways-to-travel-more-in-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-ways-to-travel-more-in-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/senior_couple_traveling.jpg" alt="Senior couple traveling" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When it comes to ways retirees prefer to spend their time in retirement, travel often lands at the top of the list. The catch is, just because you&rsquo;ve got a lot of time on your hands for travel doesn&rsquo;t mean you have a lot of money. Still, it&rsquo;s entirely possible to travel more in retirement with the right focus and with a few tips and tricks. (See also: <a href="http://www.wisebread.com/6-ways-travel-in-retirement-keeps-you-young?ref=seealso" target="_blank">6 Ways Travel in Retirement Keeps You Young</a>)</p> <h2>1. Take advantage of your flexibility</h2> <p>Without the constraints of work, one of the most valuable things that almost every retiree has in their arsenal is flexibility. Due to increased demand, flight and hotel prices go up at peak travel times, but often drop drastically outside of them. So when it comes to travel, being flexible about when you go can mean your travel budget will stretch a lot further than it would during peak times.</p> <p>Costs in the offseason are far cheaper for everything from flights and accommodations, to entrance fees and attractions. You may save so much that you&rsquo;re even able to put some money aside for your next trip.</p> <p>Traveling during low season also means that even the most popular destinations are much quieter than usual &mdash; another plus if you&rsquo;re not a fan of crowds. (See also: <a href="http://www.wisebread.com/why-timing-is-everything-when-saving-money-on-travel?ref=seealso" target="_blank">Why Timing Is Everything When Saving Money on Travel</a>)</p> <h2>2. Use any discounts available</h2> <p>One of the great perks of being classed as a senior citizen is the wide range of travel discounts that you are now eligible for.</p> <p>Organizations such as the AARP offer a host of deals for members on rental cars, hotels, cruises, and flights, though you have to pay the annual membership fee to access them. There are also lots of travel-related companies that offer their own discounts that are free to access. Best Western's 10 percent discount for folks 55 and over, One Travel&rsquo;s senior travel deals, and Amtrak&rsquo;s senior program offering a 15 percent discount, are just a few.</p> <h2>3. Try a house swap</h2> <p>There are lots of ways to <a href="http://www.wisebread.com/13-ways-to-get-free-travel-accommodations" target="_blank">get free or extremely cheap accommodation</a> when you travel. But by the time you retire, you&rsquo;re probably used to a certain amount of luxury and you don&rsquo;t want to be couchsurfing or staying in hostels. If you have a permanent home that you&rsquo;re willing to allow other people use, then house-swapping could be a brilliant option for you.</p> <p>There are lots of house-swapping sites that make the process extremely simple and safe, and there are even a number specifically dedicated to seniors, such as HomeExchange50Plus.com. You just need to list your property with a description and photographs that show it off. Then you can explore the properties already listed by other members of the community before contacting them to arrange your perfect swap. Though you have to pay an annual fee to join these sites, it&rsquo;s negligible compared the money you can save.</p> <h2>4. Go for longer and travel slower</h2> <p>Though this may sound counterintuitive, generally, the longer that you travel, the cheaper your average daily costs will become. Rather than trying to cram loads of activities and destinations into one vacation, plan to see just one place, and experience it more thoroughly. By staying put, you&rsquo;ll spend less on transport to other destinations.</p> <p>Because you&rsquo;ve got a more leisurely schedule, when do you want to go somewhere nearby, you can take a slower city bus, for instance, rather than a pricey taxi. You can also negotiate discounts in many accommodations for longer stays. I&rsquo;ve done this successfully many times and for stays over four weeks, I have managed to make savings of up to 50 percent (See Also: <a href="http://www.wisebread.com/savor-your-trip-and-save-big-with-these-5-slow-travel-tips" target="_blank">Savor Your Trip and Save Big With These 5 Slow Travel Tips</a>)</p> <h2>5. Offer to house sit</h2> <p>Though house sitting is open to anyone, it&rsquo;s a competitive market, so only the best profiles tend to get selected. Homeowners are looking primarily for trustworthy and considerate people to look after their homes while they're away, and being older generally helps to give you an air of reliability. Many people also like house sitters who have been homeowners, and will treat the home in the way they&rsquo;d treat their own.</p> <p>It&rsquo;s similar to a house swap in that you get the use of a home for free, but you don&rsquo;t need to have a house to reciprocate in return. Often you&rsquo;ll be required to look after pets as part of the deal, but there is no cost other than the annual membership fee that sites like TrustedHousesitters charge. As with house swaps, you can save a significant amount of money through house sitting.</p> <h2>6. Downsize</h2> <p>Even though there are lots of ways to make travel more affordable, it still costs money. Money that not every retiree has lying around. But if you have a house that's bigger than you need, then you could be sitting on a golden nest egg.</p> <p>Obviously the idea of downsizing would be to take advantage of any equity that you have in your existing property, which may be significant if you own the property outright. But even if you still have a mortgage, it may be possible to sell your home and buy a smaller one and still make a profit. You can then use this extra cash to fund your travels.</p> <h2>7. Prioritize travel</h2> <p>This is possibly the most important step to traveling more in retirement, and it&rsquo;s a simple case of making it an absolute priority. One of the best ways to prioritize travel is to make a bucket list of all of the experiences you want to have and all of the places you want to visit. This will help to create a focus and provide you with a whole load of inspiration at the same time.</p> <p>Make sure to check off items on the bucket list at regular intervals, say four trips a year depending on your flexibility. The key to doing this is planning, but it may also help to vocalize your plans to other people to help hold you accountable. If you tell your friends and family that you&rsquo;re going to visit four specific places next year, it makes it much harder to find excuses to back out. (See also: <a href="http://www.wisebread.com/where-to-do-9-popular-bucket-list-items-on-a-budget?ref=seealso" target="_blank">Where to Do 9 Popular Bucket List Items on a Budget</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-ways-to-travel-more-in-retirement&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Ways%2520to%2520Travel%2520More%2520in%2520Retirement.jpg&amp;description=7%20Ways%20to%20Travel%20More%20in%20Retirement"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Ways%20to%20Travel%20More%20in%20Retirement.jpg" alt="7 Ways to Travel More in Retirement" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/7-ways-to-travel-more-in-retirement">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-retirement-hotspots-that-are-cheaper-now-than-ever-before">9 Retirement Hotspots That Are Cheaper Now Than Ever Before</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-secrets-from-the-worlds-most-frugal-frequent-travelers">25 Secrets From the World&#039;s Most Frugal Frequent Travelers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-exotic-yoga-retreats-anyone-can-afford">5 Exotic Yoga Retreats Anyone Can Afford</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-flexible-ways-to-cash-in-your-miles-and-points">3 Flexible Ways to Cash In Your Miles and Points</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-essentials-every-business-traveler-needs-to-pack">11 Essentials Every Business Traveler Needs to Pack</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel booking flights retirees retirement retirement tips travel discounts travel in retirement travel tips Mon, 27 Nov 2017 09:30:09 +0000 Nick Wharton 2058472 at http://www.wisebread.com The 5 Best Sleeping Bags for Kids http://www.wisebread.com/the-5-best-sleeping-bags-for-kids <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-sleeping-bags-for-kids" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_sleeping_bags_462637749.jpg" alt="Kids using the best sleeping bags for kids" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Kids' sleeping bags are perfect for camping, sleepovers, and nights spent in the backyard. The right sleeping bag can be a portal to another world for kids, which is why we've found the very best ones available.</p> <h2>What is a sleeping bag for kids?</h2> <p>A sleeping bag is a cushioned, zippered pad that can be used as a bed and blanket. You'll want to find something that is warm, comfortable, and can provide the cushioning and insulation your little one needs to get a restful night's sleep. (See also: <a href="http://www.wisebread.com/the-5-best-sleeping-bags?ref=seealso" target="_blank">The 5 Best Sleeping Bags</a> and <a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads?ref=seealso" target="_blank">The 5 Best Camping Sleeping Pads</a>)</p> <h2>Top 5 sleeping bags for kids</h2> <h3>Coleman Plum Fun Youth Sleeping Bag</h3> <p><a href="http://amzn.to/2zXEkhx" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coleman_5.jpg" width="245" height="225" align="right" alt="" /></a>Amazon's choice for sleeping bags for kids, the <a href="http://amzn.to/2zXEkhx" target="_blank">Coleman Plum Fun 45-Degree Youth Sleeping Bag</a> features a ZipPlow zipper for snag-free opening and closing, interior tuck pocket, a Roll Control system, ThermoTech insulation, and a Comfort Cuff design. It's machine washable and includes a stuff sack. It is available in two different colors, is frequently recommended online, and is backed by a five-year limited warranty.</p> <p><a href="http://amzn.to/2zXEkhx" target="_blank"><em>Currently $31.58 on Amazon</em></a></p> <h3>Kelty Big Dipper Kids Sleeping Bag</h3> <p><a href="http://amzn.to/2Bc3WW8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kelty.jpg" width="245" height="94" align="right" alt="" /></a>The <a href="http://amzn.to/2Bc3WW8" target="_blank">Kelty Big Dipper 30-Degree Kids Sleeping Bag</a> has an expandable foot section that lengthens the bag by 12 inches, so your child has room to grow. It features a soft layered, offset quilt construction, zipper draft tube with anti-snag, and cloud loft insulation. It's available in two colors, includes a stuff sack, and is recommended by The Wirecutter. <a href="http://amzn.to/2Bcwe31" target="_blank">The Kelty Woobie 30-Degree Kids Sleeping Bag</a> is also a commonly recommended option for toddlers.</p> <p><a href="http://amzn.to/2Bc3WW8" target="_blank"><em>Currently $55.97 on Amazon</em></a></p> <h3>TETON Sports Celsius Junior for Kids Sleeping Bag</h3> <p><a href="http://amzn.to/2zaUZv0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/teton_1.jpg" width="102" height="245" align="right" alt="" /></a>The sturdy, lightweight <a href="http://amzn.to/2zaUZv0" target="_blank">TETON Sports Celsius Junior for Kids Sleeping Bag</a> works in 20-degree temperatures. It features storage pockets, a curved hood, no-snag two-way zippers with metal pulls, and a full-length zipper baffle to reduce drafts. It's easy to pack, includes a drawstring stuff sack, and is available in various colors.</p> <p>This is made with the same materials as other best-selling TETON sleeping bags. It's nearly a foot longer than most kid's sleeping bags, so it should last longer. It's frequently recommended online and backed by a limited lifetime warranty.</p> <p><a href="http://amzn.to/2zaUZv0" target="_blank"><em>Currently $39.99 on Amazon</em></a></p> <h3>Wildkin Big Dots Pink Original Sleeping Bag</h3> <p><a href="http://amzn.to/2zdkdsN" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleeping%20bag.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2zdkdsN" target="_blank">Wildkin Big Dots Pink Original Sleeping Bag</a> is the perfect indoor-only sleeping bag. It features a super-soft cotton flannel interior and self-correcting zipper. It's naturally flame-resistant, lead-safe, BPA-free, phthalate-free, and free of chemicals. It includes a matching travel pillow with pillow case, storage tote, and elastic storage straps. The machine-washable sleeping bag is available in endless colors and designs. It's one of the top-rated items on Amazon and has hundreds of five-star reviews on Amazon. It's also backed by a one-year manufacturer's warranty.</p> <p><a href="http://amzn.to/2zdkdsN" target="_blank"><em>Currently $44.73 on Amazon</em></a></p> <h3>Wenzel Summer Camp Sleeping Bag</h3> <p><a href="http://amzn.to/2hRstuZ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/wenzel.jpg" width="245" height="139" align="right" alt="" /></a>The <a href="http://amzn.to/2hRstuZ" target="_blank">Wenzel Summer Camp Sleeping Bag</a> features Insul-Therm nonallergenic fill for warmth in 40-degree temperatures. It has a self-repairing coil zipper and soft polyester outer fabric. It is available in various color options and includes a matching stuff sack. It is frequently recommended online, as are the <a href="http://amzn.to/2BaXUoG" target="_blank">Wenzel Moose Boys 40-Degree Sleeping Bag</a> and the <a href="http://amzn.to/2zae8Nx" target="_blank">Wenzel Backyard Girls 30-Degree Sleeping Bag</a>.</p> <p><a href="http://amzn.to/2hRstuZ" target="_blank"><em>Currently $20.79 on Amazon</em></a></p> <p>And those are our recommendations for the best sleeping bags for kids. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-sleeping-bags-for-kids&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Sleeping%2520Bags%2520for%2520Kids.jpg&amp;description=The%205%20Best%20Sleeping%20Bags%20for%20Kids"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Sleeping%20Bags%20for%20Kids.jpg" alt="The 5 Best Sleeping Bags for Kids" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-sleeping-bags-for-kids">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-travel-towels">The 5 Best Travel Towels</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-coffee-makers">The 5 Best Camping Coffee Makers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-emergency-kits">The 5 Best Emergency Kits</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luggage-scales">The 5 Best Luggage Scales</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Travel 5 best camping accessories product reviews shopping sleeping bags sleeping bags for kids Wed, 22 Nov 2017 09:00:08 +0000 Andrea Cannon 2058749 at http://www.wisebread.com 21 Unexpected Items You Should Always Pack in Your Carry-On http://www.wisebread.com/21-unexpected-items-you-should-always-pack-in-your-carry-on <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/21-unexpected-items-you-should-always-pack-in-your-carry-on" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/garment_women_and_accessory_to_travel_and_holidays.jpg" alt="Garment women and accessory to travel and holidays" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>This is not your first trip down the jetway. You've got your eye mask, your noise-cancelling headphones, your laptop or tablet, your multi-item charger for the airport, your backup power source, and even your actual paper book in case all your technology runs out of battery. But what did you <em>not </em>think to put in your carry-on that could make your flight better? Here are a few I never fly without, and a few more I can't wait to try. (See also: <a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler?ref=seealso" target="_blank">15 Packing Secrets From a Professional Traveler</a>)</p> <h2>Domestic</h2> <p>Maybe you're only going to be stuck in that hamster cage they call a seat for a few hours, but that doesn't mean you should show up without any provisions for your comfort.</p> <h3>1. A pencil and notebook</h3> <p>Unlike a laptop, which will run out of power, or a pen, which might refuse to write at altitude, this little piece of technology won't let you down when you are bored enough to write poetry or fill in the in-flight magazine's crossword puzzle.</p> <h3>2. A headphone splitter</h3> <p>While it's obvious you'll be bringing headphones, do you really want to sit there, laughing at the movie on your laptop, while your companion sits there and seethes? Share!</p> <h3>3. A medicine bag</h3> <p>Include painkillers, because, ouch: altitude. Antihistamines and decongestants are also good calls. Some of us like to carry something that will make us sleepy or calm our nerves. If you need an inhaler or insulin, it's obviously important to bring plenty for your own safety, but also because if you ever ask a flight attendant if they have a spare inhaler, you'll probably be denied boarding for medical reasons. They don't want to take the risk of anyone having a health emergency in the sky.</p> <h3>4. A change of clothes</h3> <p>Because you never know if or when your checked bag will make it to your destination, and what if the person next to you spills his coffee all over you?</p> <h3>5. A tennis ball</h3> <p>Huh? Travel &amp; Leisure swears you should bring this piece of sports equipment on board, and use it to massage your back, legs, and feet to keep the blood flowing during the flight.</p> <h3>6. Business cards, or a copy of your manuscript</h3> <p>Because you never know when you'll be seated next to the one business contact you always dreamed of meeting.</p> <h3>7. Sanitizing wipes</h3> <p>Because did you know people change their babies' diapers on those tray tables? Wipe it down the moment you take your seat.</p> <h3>8. Another bag, like one of those shopping bags that pack down tiny</h3> <p>Because you might not be able to quickly stuff everything you used on the flight back into your carry-on when it's time to go.</p> <h3>9. A pacifier</h3> <p>Not traveling with a baby? Imagine what a hero you might become to the whole flight if you whip out a new, in-the-package bippy for a family that has lost theirs. Back when I traveled with infants in tow, I once had another mom offer me $10 for a single pacifier. (I gave it to her for free.)</p> <h3>10. Slipper socks</h3> <p>Because if you're like me, you wore slip-on sandals through security, and now your feet are cold.</p> <h3>11. An empty water bottle</h3> <p>Because you can fill it up after you go through security. You don't want to drink the airplane water. (See also: <a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles?ref=seealso" target="_blank">The 5 Best Aluminum and Stainless Steel Water Bottles</a>)</p> <h3>12. A USB or Apple lightning cable</h3> <p>Some planes now have ports in the seat, so you can charge your phone! Make sure you buy the rapid charging kind.</p> <h3>13. Your rights</h3> <p>Print out the <a href="https://www.transportation.gov/airconsumer/fly-rights" target="_blank">US Department of Transportation's rules</a> on delays, bumping passengers, and compensation. Why? Because crews may take advantage of the fact that most people don't know off the top of their heads that they're entitled to 400% of the original fare, up to $1,350, in cash, if they're bumped and arrive at their destination more than two hours late on a domestic flight, or four hours on an international flight. Having these guidelines on hand will allow you to make an informed decision if you're asked to get off the plane, and to ask for what you're owed while you're still at the airport.</p> <h3>14. A comfort item or hypnotherapy recording</h3> <p>Do you get scared, especially during takeoff? Don't be ashamed to bring a stuffy from home that you can squeeze until its eyes bug out. Personally, I like to use self-hypnosis to talk myself down, and if you're new to that type of thing, you could download a recorded hypnosis session to your phone. The side benefit of using hypnosis to fight fear of flying is that it might actually help you fall asleep.</p> <h2>International</h2> <p>On an overseas flight, you will almost certainly try to sleep at some point, making your carry-on arsenal especially important. It's also more important to make friends, since you'll be stuck with everyone you see while boarding for the next 12 hours or more.</p> <h3>15. Treats for the crew</h3> <p>I never would have thought of this myself, but when I read about professional air passenger Ben Schlappig bringing designer chocolates to the flight attendants, I realized how much sense it makes. These are the people who will be responsible for, yes, making sure you make it to the emergency exit in a water landing, but also for whether you get a Jameson refill when you can't sleep with nine hours of flight time to go. Will they accept your goodies? Maybe, maybe not &mdash; I can imagine accepting edibles from unknown passengers being considered a security risk &mdash; but just the offer will mark you as a super nice passenger who deserves to be treated like one.</p> <h3>16. More than one kind of travel pillow</h3> <p>It may seem like a waste of space, but there are a lot of <a href="http://www.wisebread.com/the-5-best-travel-pillows?ref=internal" target="_blank">differently shaped travel pillows</a> on the market now, and if you are trying for a solid six hours (let's not wish for the moon and say eight), you are going to want to change positions. On a recent trip to Australia, I alternated between a Turtl, which is like a scarf with a stiff support to let you sleep with your head leaning to the side, and one with a flat back so that I could recline straight back.</p> <h3>17. Something cozy to snuggle up and hide in</h3> <p>I like to wear a Chicago Cubs sweatshirt with pockets and hood so large I can pull it down over my eyes, but others swear by scarves or Turkish towels. In all cases, you're packing something you can use as a blanket or as a barrier between you and a questionably clean airline blanket, but it's also something you can put to other uses.</p> <h3>18. Melatonin</h3> <p>Sleep scientist Matthew Walker confirmed during a recent interview that this hormone in pill from can help you <a href="http://www.npr.org/sections/health-shots/2017/10/16/558058812/sleep-scientist-warns-against-walking-through-life-in-an-underslept-state" target="_blank">adjust to a new time zone</a>. I take it about an hour before I want to fall asleep on a flight.</p> <h3>19. A cord for your glasses</h3> <p>On my last long-haul flight, I dropped my glasses in my sleep. The flight attendants let me crawl on the floor under my seat for an hour without mentioning that someone had turned in a lost pair of glasses.</p> <h3>20. The address of where you're staying, on paper</h3> <p>Before you land, the crew will pass out immigration forms, and you'll be expected to have that info at your fingertips. Don't leave it on an electronic device that might be out of power by now.</p> <h3>21. A truly delicious snack</h3> <p>When I traveled with little kids, I always tried to bring a toy or book they'd never seen before to keep them occupied. You can do this for yourself, too, by skipping your typical snacks and stashing something you love, like a high-end chocolate bar or some gourmet wasabi popcorn, into your bag. If you have the willpower, save it for midflight, when the flight attendants are sick of you and you feel like the journey will never end. Then eat your treat as slowly as possible.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F21-unexpected-items-you-should-always-pack-in-your-carry-on&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F21%2520Unexpected%2520Items%2520You%2520Should%2520Always%2520Pack%2520in%2520Your%2520Carry-On.jpg&amp;description=21%20Unexpected%20Items%20You%20Should%20Always%20Pack%20in%20Your%20Carry-On"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/21%20Unexpected%20Items%20You%20Should%20Always%20Pack%20in%20Your%20Carry-On.jpg" alt="21 Unexpected Items You Should Always Pack in Your Carry-On" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/21-unexpected-items-you-should-always-pack-in-your-carry-on">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">8 Things You Should Always Pack in Your Carry-On</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler">15 Packing Secrets From a Professional Traveler</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-flying-easy-the-ultimate-carry-on-packing-list">Make Flying Easy: The Ultimate Carry-On Packing List</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-carry-on-luggage-can-save-you-time-and-money">5 Ways Carry-On Luggage Can Save You Time and Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-you-should-check-your-luggage">7 Reasons You Should Check Your Luggage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Travel airlines baggage carry-on flying luggage minimalism packing Wed, 22 Nov 2017 09:00:06 +0000 Carrie Kirby 2057051 at http://www.wisebread.com