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4 common traveling errors to avoid

4 common traveling errors to avoid

As your long-awaited trip approaches, you should start preparing and packing so that you are all set well in advance. You have probably made a mental to-do list; however, you should account for uncertainties and anything that could be a hindrance. Forgetting something important or booking the wrong tour are common mistakes that could ruin the trip. So, here are a few other errors to avoid for an ideal experience.

Booking back-to-back flights
Avoid booking long flights with a short layover or inadequate buffer period. Delays are inevitable when flying; you may also need time to make it to the next connecting flight. If you are planning a trip that involves consecutive long-haul flights, make sure you account for a suitable buffer period to rest and recoup.

Overpacking
Even if you are planning a long vacation, avoid stuffing every piece of clothing and accessory into your luggage. When you have multiple layovers and transfers, lugging heavy suitcases is something you want to avoid. Also, you can find basic amenities and essentials at your destination. Traveling light is the best solution to save space for things (like souvenirs) you buy on vacation.

Improper planning
Am overambitious itinerary can be a nightmare to follow, especially if you are traveling with family. Avoid overplanning as not everyone can keep up with a hectic schedule. Additionally, it may be impossible to have enough time to enjoy all events or visit all the spots according to the plan. Plan your travel itinerary in a way that allows covering as much as possible without causing exhaustion.

Carrying valuables
Why take your expensive laptop, gadgets, or jewelry with you on vacation? The whole point of the vacation is to escape the everyday humdrum. Further, carrying valuables is risky as they could be stolen or misplaced, and retrieving them in a foreign city could be challenging.

Avoid making these mistakes to have a comfortable journey and a hassle-free vacation. You can pre-book guided tours online to enjoy local sights in places like Europe, which is one of the top destinations to visit. Book skip-the-line tours for popular hotspots, including the Sistine Chapel in the Vatican City, Rome Colosseum tours, Eiffel Tower in Paris, and the most popular guided skip-the-line Louvre Museum tour. You can also opt for walking and hiking tours across Italy and France’s eclectic, ever-changing countryside.

Moreover, to make the most of your vacation, check out some of the top travel cards such as American Express® Gold Card, Capital One Venture Rewards Credit Card, Chase Freedom Unlimited®, and Capital One Venture X Rewards Credit Card among others. You may choose a specific travel card depending on your spending patterns and travel needs.

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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

4 services Medicare does not cover

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

A look at some of the best free investment advisors

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

Reverse mortgage eligibility and its criteria

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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