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4 budget-friendly cruise lines

4 budget-friendly cruise lines

Cruises are popular these days. They allow you to sit back and relax while exploring the oceans and visiting new destinations. But, most cruise trips turn out to be very expensive. These high costs can be attributed to high cruise fares, onboard and port spending, and even travel. But, what if we tell you that there are affordable cruise lines that do not break the bank? Read on to find out more.

Carnival Cruise Line
If you’re looking for a budget-friendly affordable cruise line, this one fits the bill. The Carnival Cruise Line was founded in 1971. The popular cruise line offers cruises to almost 425 locations, including the Caribbean, The Bahamas, Europe, Canada, Hawaii, Australia, and even the Panama Canal. The best part about the Carnival Cruise Line is its offerings. Living on one of their ships is like attending a huge Carnival out at sea. What sweetens this deal is the fact that the 24 ships of this cruise line are as affordable as $229 per night for one person. Carnival Cruises are more family-oriented, and they ensure that they provide the best entertainment for all age groups.

Princess Cruises
And much like its parent company Carnival, Princess Cruises provides the best cruise experience at minimal costs. The 14-ship cruise line has itineraries to multiple destinations, including Alaska, the Caribbean, Mexico, and even Europe. Their cruise trips can range anywhere between one day to 72 days, and they also offer travelers the option to explore the end destinations. While onboard, the cruise line provides travelers with multiple onboard activities, poolside screenings, magic shows, and even a stage show of the popular “The Voice of the Ocean.” Princess Cruises are exclusively for 18 and older individuals.

Norwegian Cruises
If you’re looking for a fun yet relaxing cruise experience, this one is for you. Norwegian Cruises is the best choice when it comes to traveling with a family on a budget. They also are very relaxed with their rules. They do not have a dress code and pretty much follow a “you do you” rule. The 17-ship cruise line offers journeys from 3 days to 21 days for destinations such as Alsaka, Cube, and even Hawaii. The best part is that you need only $50 to reserve your booking early on.

Scenic Cruises
If you’re looking for a luxurious cruise at an affordable price, you can try Scenic cruises. The cruise line offers all-inclusive packages on Ocean and River cruises. They also provide land journeys at discounted rates. One of the most popular ships of the Scenic Cruise fleet is the Scenic Eclipse Cruise Ship. The Scenic Eclipse is the World’s First Discovery Yacht. It has almost 114 suites and 176 crewmates. And offers a top-notch spa service, water sports, and a yacht club.

Aside from family and adult-only cruise trips, individuals can also look for senior cruises that cater to their programs for senior citizens. Don’t forget to compare senior cruises, to find the deals and programs that are best suited for you.

If you’re newly married, you may want a drink or two daily throughout your stay. However, purchasing à la carte drinks can cost a lot. So, to save money, look for honeymoon cruise packages with drinks included. For instance, Carnival Cruise Line offers a drinks package starting at $51.95 per person per day. Similarly, the other cruises listed above have some pretty attractive deals on food and drinks.

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5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
4 services Medicare does not cover

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Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days.
A look at some of the best free investment advisors

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As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria

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As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

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