Important news before you travel:
If you are in the United States you should be aware of certain Travel Advisories which are given to citizens who choose to travel abroad. These advisories can affect you and may even change your travel plans. So before you go to the airport you should always check to see if your destination country is on the List of the United States Government Travel Advisories.
For more information: Check out the link below which will send you to the US Governments official website.
TIPS ON MAKING HOTEL RESERVATIONS:
When traveling for business or fun, there’s nothing worse than thinking you have a reservation and learning your hotel reservations been lost, your room has one bed and not two bedrooms, or you thought your check-in time was noon, only to find out it is really 3:00pm. To help avoid these things from happening, there are a few helpful hotel reservation tips seasoned travelers recommend:
Always use a credit card when making a hotel reservation. A credit cards offers the guest some level of protection should the hotel stay go awry. Any disputes a guest may have with the hotel, or with the billing can more easily be rectified through the credit card company. The card company will act as a mediator once their client can show effort to resolve the dispute. Additionally, if a dispute cannot be resolved, the credit card company has the authority to remove the charge from a client’s bill. If cash were paid, a hotel guest would have no recourse. Note: If you don’t use your own credit card to secure a reservation, be aware that the person whose name is on the card will be responsible for showing the card and signing at check in. If the card does not belong to the person staying at the hotel, notify the desk before leaving home (prior to arrival) and ask what their identification procedure is. They may accept a letter from the credit card holder authorizing use, and a copy of both the front and back of the card.
Ask for deals/discounts at each hotel. Many hotels offer corporate, AAA, senior, or even mid-week/off-season discounts. If one is not offered - ask about them. Many hotels now offer ‘rewards’ programs and some hotels reduce rates by $50 or more, for simply signing up for their program. If making reservations online, look for internet-only rates and shop various websites to find the best deals. Travel agents can often secure unadvertised specials or late check-in opportunities which can translate into huge savings.
When making reservations speak clearly and repeat spelling of all names. There have been many reservations lost because of inaccurate spelling and guests have been told they did not have rooms when a hotel or an entire city was booked to capacity. If any special requests are made, verify them and if possible get them in writing. Also make sure to get the name of the employee. Verify everything spell names and verify information/requests etc. Double check reservations prior to leaving for hotel and make sure names of all hotel employees you’ve spoken to are taken.
When reservations are made, changed and cancelled-confirmation numbers are given. Make sure all numbers are kept in a safe place until credit cards are billed and all charges are verified. Cancellation and confirmation numbers are often the difference between being charged for a hotel reservation that was cancelled, the possibility of a free upgrade when the hotel overbooks and you can prove when your reservation was made, and being stranded away from home without a room for the night.
Discuss hotel policies prior to making reservations, and verify them at check-in. Some hotels require credit cards at check in for any hotel charges, such as telephone usage, room service, meals in the hotel, or even take -out arranged through the hotel with area restaurants, etc. If a credit card is not available, a cash/check deposit maybe required for any services/fees that may accrue during the hotel stay. Determine when check-in/check-out times are, when cancellation policies go into affect and verify occupancy limits if staying in a room with multiple occupants.
Remember these hotel reservation tips when scheduling your travel plans. Whether by internet, through a travel agent, or by telephone, it pays to research the hotel and be meticulous when making arrangements. A little pre-planning when making reservations can save major headaches when traveling away from home.
WHY A TIMESHARE PROPERTY MAY BE YOUR PERFECT VACATION ANSWER:
You may not know it but many people throughout the world have Timeshare properties which they use for vacations.
A timeshare is a property with a particular form of ownership or use rights. These properties are typically resort condominium units, in which multiple parties hold rights to use the property, and each sharer is allotted a period of time (typically one week, and almost always the same time every year) in which they may use the property.
Units may be on a partial ownership, lease, or "right to use" basis, in which the sharer holds no claim to ownership of the property.
Two basic vacation ownership options are available: timeshares and vacation interval plans. The value of these options is in their use as vacation destinations, not as investments. Because so many timeshares and vacation interval plans are available, the resale value of yours is likely to be a good deal lower than what you paid.
Both a timeshare and a vacation interval plan require you to pay an initial purchase price and periodic maintenance fees. The initial purchase price may be paid all at once or over time; periodic maintenance fees are likely to increase every year.
Deeded Timeshare Ownership. In a timeshare, you either own your vacation unit for the rest of your life, for the number of years spelled out in your purchase contract, or until you sell it. Your interest is legally considered real property.
You buy the right to use a specific unit at a specific time every year, and you may rent, sell, exchange, or bequeath your specific timeshare unit. You and the other timeshare owners collectively own the resort property.
Unlike a vacation home which may be vacant part of the year, you only pay for what you use. Thus, the use of a very expensive property could be more affordable; for one thing you don’t need to worry about year-round maintenance.
WHY TRAVELER'S INSURANCE MAY BE RIGHT FOR YOU
Whatever you drive, you have a lot riding on those wheels: Your loved ones and your peace of mind. Choosing the right auto insurance can help protect you from the risks of the road. Travelers will work with you from the start to help protect you wherever you go.
n addition to Travelers competitive insurance rates, you may be eligible for more than 15 money-saving discounts and advantages, including some based on your car's safety features - e.g. airbags, anti-lock brakes or anti-theft devices - or even for your young driver's grades. Hybrid cars may qualify for yet another reduction.
And, you could save up to 20 percent on your auto insurance when you buy other Travelers insurance policies such as homeowners insurance, personal liability umbrella insurance and boat and yacht insurance.
In the event of a loss, Travelers knows you want it resolved quickly. With Travelers, you get:
-Fast, efficient claim service and 24/7 claim reporting
-More than 12,000 claim professionals located across the country and more than 100 points of service to respond quickly to routine and catastrophic claims
-Employees, expertly trained at Travelers Claim University, to inspect your property/auto in the event of a loss
-Catastrophe response teams and vans that mobilize fast in the event of a severe weather event or disaster
As you may know, many insurance companies use credit-based scores to help determine a customer's insurance premium. Your score is compiled through a review of your credit history and any patterns that result. It may take into account your payment history, any outstanding debts, the length of your credit history, whether you've filed for bankruptcy, and any new applications for credit. The score is used to help insurance companies accurately assign an appropriate price available for your policy.
Extensive research shows a correlation between credit history and insurance claim history - that those with certain patterns in their credit history are more likely to file insurance claims. Insurance scoring works by giving a higher score to those who are less likely to file claims and a lower score to those most likely to file claims.
An insurance score does not take into account income, race, gender, religion, marital status, national origin or geographic location. It only reviews your credit history.
When insurance companies know the likelihood that a customer will file a claim, they can set rates that are accurate and appropriate for each customer. This enables carriers to offer insurance coverage to a broader range of customers and helps them determine your price.
Although credit history helps predict the potential for future losses, it's only one factor used in determining the cost of your policy. A driver's age and prior claim history are two other important factors.
Travelers uses your insurance score together with a number of other factors to determine the appropriate pricing level available to you. Generally speaking, customers who have higher insurance scores and no prior claims or accidents qualify for our better price.
For those customers with prior claims or accidents, a higher insurance score will help them qualify for a better rate than a similar customer who has a significantly lower insurance score. In turn, customers with no prior accidents or claims, but who have low insurance scores, may also qualify for a competitive rate.
If you've purchased a new set of wheels, Travelers offers a way to save on your auto insurance. New car owners can receive as much as 10 percent off collision coverage - just for a newer model vehicle.
A Travelers car insurance policy can cover:
Bodily injury liability
Property damage liability
Injuries caused by uninsured/underinsured motorists
Comprehensive damage from events like fire and theft
Collisions with other vehicles and objects
You can also add rental reimbursement coverage, repair or replacement collision coverage, towing and labor coverage, gap insurance and more. more on traveler's