Is Travel Insurance a Waste of Money?

The world just keeps getting smaller and smaller and global commerce is becoming more and more common. China, India and other emerging economies are now targeted by the U.S. and other western corporations in hopes of  expanding their market. Business travelers are now frequently traveling to Africa, South America and the Middle East. Vacationers and leisure travelers are always looking for new and exotic travel destinations. Let’s face it, we are more mobile now than ever in human history. Thankfully, in most cases, international travel is completed without incident. However, in some cases an international leisure or business trip can become a nightmare if you do not have the right travel insurance plan.

People ask me all the time, “Is travel insurance a waste of money?” The answer is a resounding NO. For the money spent, the coverage is absolutely worth while. Imagine you are on your dream vacation in South America and you become ill after eating out at a local seafood restaurant. In America you would probably first call your doctor and then maybe go to the hospital if the condition worsened. A doctors visit and a trip to the ER is most definitely covered by your domestic insurer but what about in South America, Africa, Europe or other countries? In most cases, you are not covered at all or the amount of reimbursement is greatly reduced. On another note, most doctors and hospitals abroad will not even entertain the idea of being reimbursed by your domestic insurance and will most certainly require payment in full. A serious condition could leave you with tens of thousands of dollars in medical bills that have to be paid. What about finding quality medical care in say, China? Unfortunately, your network of doctors and hospitals under your PPO or HMO does not extend to China. In some cases, international travel insurance plans offer an international network of pre-certified doctors, clinics and hospitals that will accept direct payment form your international insurer. This way, you don’t even have to pay out of pocket and wait to get get reimbursed later.

To me, the thought of being treated by a foreign doctor in a foreign land is frightening. What school did this doctor attend? Do they even speak your language? Is he or she trained in western medicine? If you have a travel plan that comes with an international network of doctors hospitals and clinics, you know that you are receiving quality care. Otherwise you are relying on the hotel concierge, your cab driver or a person walking down the street to offer you advice on a “good doctor.” What about if you are in a serious accident and need to be flown to another facility for life saving surgery? This is a terrible thought but it happens every day while folks are on vacation or traveling on business across the globe. Emergency medical evacuation services can cost from $30,00 to $50,000 or more for a single  trip. And guess what? It’s not covered by your domestic insurance plan. However, most quality travel insurance plans cover this event but you have to be careful in selecting a plan that does not put major restrictions on this benefit.

5 Ways To Sparkle Your Silver Jewellery

Jewellery has been representing one’s pride and status as well as enhancing the appearance of an individual for centuries. Women, especially, showcase strong fascination for collecting different styles of jewellery. However, gifting silver jewellery carries out emotions of the giver. Silver stands to be the most preferred metal for our ancestral. They used to celebrate the occasions by blessing their descendants or grand children with some silver gifts. Today, the designs are wonderfully customized by the jewelers. But, how silver jewelry is involving the same sentiment till today?

A silver piece is purchased and worn by one person, and then, it quickly passed to the next generation. Throughout the journey, that jewellery becomes the witness of loads of moments and it preserves them all as well. Silver is plain enough and considered to be the best metal that can go with a regular outfit. Also, the unique silver jewellery suits the bold and gorgeous clothing. This metal is used in loads of adornments such as � bracelets, necklaces, rings, brooches, earrings etc. in the contemporary jewellery segment. Moreover, the designer pieces are becoming more popular amongst the jewellery collectors.

It is an inevitable fact that after exposing to the air, silver often starts developing black coats. This coating appears for the oxidative reactions with sulphur. Though these coats don’t lead the jewellery towards damage, but, it looks unsightly.

However, you can find out five effective tips below that will prevent your silver piece from tarnishing �

Use it in perfect way:

There are plenty of triggers that can make this finicky metal cause tarnish. Shield it from some chemicals to keep your jewellery shiny. Are you getting ready for some occasions? Then, make sure you are putting the silver jewellery just before heading out. It protects that silver piece from your perfumes, lotions and makeup. And after returning, the silver piece should be the first thing to remove. Don’t wear silver while washing dishes or having a shower.

Store them in right place:

The silver pieces must not come into the contact of air. Wrap these jewelleries in tissue or store them in Ziploc bags. Never keep any kind of rubber band close to your silver pieces. The rubber bands begin to age as well as release sulphur. Hence, it may lead your jewellery towards tarnishing. To avoid tarnishing, you can store them with silica packets. It will help you to eliminate excess moisture. If you cannot find any silica packet in your house, then you can use a stick of chalk as it will work just the same.

Phuket Accommodation

After thinking about the excellent Phuket Island in your next excursion excursion the following should be finding an appropriate Phuket Accommodation. This ideal Island is surrounded with the aid of the main hotels and lodges that offer brilliant offerings and facilities in order to take advantage. You’ll be mesmerized by the overpowering services that each Phuket Accommodation has to provide.

Some of the reasons why travelers and tourists select Phuket over different places all over the international had been summarized through the vacationers’ professionals and they come up into 5. First is The Exotic Foods in Thailand that is without a doubt incomparable. Second the lovely pearl white sand seashores with its clean cyan water. Third is the Phuket nightlife and parties that provide lifestyles to this remarkable island at some stage in darkest hours. Fourth is the Phuket excursion to unique Island like Phi Phi Island and Phang Nga Bay, excursion to exclusive museums and historical locations. The fifth reason is the human beings in Thailand that always paint picturesque smile on their face with heat welcoming attitudes that the tourists love.

Since most of the tourists desired to take advantage the luxurious excursion, the first thing that they have to take into consideration is the vicinity wherein they may spend their nights. Most of the middle magnificence travelers look for the Phuket Accommodation that will match their financial status without negotiating the pride they get from the commendable vacation. Most of the Phuket Budget Accommodations are just around the island wherein famous and appealing beaches are located.

Hotelier’s fundamental concern is the pride that the clients accumulate from the offerings that they provide. Exclusive applications and reductions also are supplied for the whole circle of relatives with the excessive first-rate of carrier. Most of the Phuket Accommodation owners ensure that every one of the amenities and offerings that they deliver to the clients are constantly at its greatest. They ensure that tourists and travelers will constantly have the cause to return lower back to them every time they desire to go to Phuket on their next holidays.

Some of the popular and well-known visitor spots in Phuket that most of the travelers are keen on are Two Heroines Tombstone, Thalang National Museum, Hat Patong, Hat Karon, View Point, Laem Phromthep or the Phromthep Cape, Wat Chalong and Khao Phra Thaeo Wildlife Conservation Development and Extension Centre. These are the locations that serve as the attractions in Phuket which you shouldn’t omit.