Strategy 2 for Extraordinary Travel: Have a Well-Designed Plan, Adapted To Your Liking

When you travel in the great trip style, your trip will be independent but well planned. You will be traveling to places that are so remarkable, and seeing things that are so interesting, you will immediately begin to reap the benefits of traveling independently. Before you leave on your trip, you will adapt your trip to your own preferences, interests, style and pace. And you will have the flexibility of altering your timing according to your interests… to pause and fully experience what strikes you.Traveling anywhere you please using the great trip travel style, either by using a pre-planned trip book of your choice, or by carrying out your own investigation and planning, you will have a complete trip blueprint, based on in-depth research. You will have a good idea of what your options are before you arrive. So you will be able to avoid the frustration of missing out on rich opportunities you really would have liked to experience “if only you had known in time.”Lack of preparation can add to stress levels on any trip, especially a trip to a foreign country like France or Italy, where people speak a different language, and you may have limited access to the internet while you are traveling. Doing some preliminary groundwork before you leave home will make a tremendous difference in how smoothly your trip goes, and how much fun you have along the way.With a little pre-planning, and by observing a few simple keys to being a more balanced traveler, you will have better experiences and more fun, and be assured of a great trip every time you travel. These keys include:1. Balance your trip with a range of activities.2. Maintain a comfortable pace.3. Avoid traveling with the crowds.4. Keep your trip relaxed and fun.5. Adapt your trip to your liking.Balance Your Trip with a Range of ActivitiesYou will have the best experience if you maintain variety in what you do. Too much of anything can get tiring. More does not necessarily mean “better,” even for activities that are immensely interesting to you.As an example, two castles a day, for three days in a row, is definitely out of balance. If you attempt this pace, the charm and the magic, the history and the amazement, will be lost. Stop at four per trip! By the time you reach your fifth castle, you will be on “château overload,” dragging yourself through the motions, and thus “wasting” a castle. It will be much better to save some castles for another year, and intersperse other types of activities into your castle days to break things up a bit.Maintain a Comfortable PaceOften travelers try to pack in as much as they possibly can, thinking that by doing so they will get more value for their money and have a more enriching experience. While this may seem to make sense intellectually, it can be a recipe for disaster. It’s easy to get so caught up in the excitement of trying to do everything that you end up feeling rushed and exhausted by the overly-aggressive pace you have imposed on yourself. Ultimately, such errors in pacing can make the enjoyment go out of the trip, or even cause you to get sick. And this you do not want, for numerous and obvious reasons.While you are on your great trip, traveling independently with your trip-in-a-book guide or your own detailed plan, you will be in control of the pace of your trip. When you need more time, take it. When you spot something marvelous, stop and enjoy it. Lounge on the steps outside d’Orsay, listening to the marvelous pianist playing his full-sized piano on the sidewalk. Hang out watching the sidewalk artist beside the Pompidou Center as he completes his chalk drawing masterpiece. If you discover an organ concert in progress in Notre Dame, take the time to listen to it for as long as you like.When you are out and about, there’s no need to push yourself too hard. Give yourself permission to slow down, to take “power pauses” to recharge your batteries, and to experience things that pop up along the way. Sometimes “less is more.”Often you will be walking… at your own pace, pausing where you wish. On your strolls through the elegant Tuileries Gardens, with its vibrant colors and striking sculptures, you will reach a large pond surrounded by inviting chairs, where Parisians gather to sit and bask in the sun. And you will have the freedom to find yourself a chair and join them before you climb the hill to stand in awe surrounded by the misty loveliness of Monet’s waterlily murals in l’Orangerie.If you have a yen to linger over a coffee, or a glass of wine in a café… If you feel that you’re at the end of your rope and need to sit awhile on a park bench to regain your energies, while watching the parade of people passing by… Even if you’ve just had enough for the day… Set your own pace. When it suits you, especially on the day after a strenuous travel day, allow yourself the luxury of a slow morning, with a relaxing breakfast. Ease into your day as you would on a Saturday at home, after a hard week at work.Remember, this is your vacation, to be spent as you like. There is no need to set new records of how many museums and attractions you can see in one day. Traveling is not about doing everything you possibly can. It’s about relaxing, unwinding and having great experiences.Avoid Traveling with the CrowdsWhen you travel with a group, every place you go will be crowded because you are a crowd. By definition, traveling in the company of 30 others produces a constant reality of “hurry up and wait.” You will suffer through long lines for hotel check-in, to purchase tickets, and to use the restroom. At restaurants, you will be one of 30 people placing your dinner orders at the same time, then awaiting the arrival of your drinks and food, and later your check.On your great trip travelling independently, you will be in crowd-avoidance mode, moving against the crowds, not with them. Wherever you encounter swarms of people, and see that the lines are building up, you will have the flexibility to go somewhere else instead, then come back later when the crowds disband. So you will be able to admire Monet’s pond lilies, or Van Gogh’s self-portrait, or the model of da Vinci’s rotating bridge, without throngs of people blocking your view. And you will be first in line for ice cream in da Vinci’s park. In Paris you will have in your pocket the “magic” Museum Pass that will allow you to skip the lines at museums. And you will have advance tickets to avoid the lines at the Eiffel Tower.While you visit the châteaux of the Loire Valley, you will have the time freedom to fully explore these phenomenal and historical palaces, inside and out. If there are crowds blocking the door to Chenonceau, you will be able to shift the order of your visit to take in the gardens first and delay your entry to the palace itself until after the masses have dispersed. You will have time to wander the gardens, as well as to visit the ballroom and royal chambers. And, if you so choose, you will be free to pause for lunch right there, sitting at an outdoor table, with a view of the castle.When you visit Mont Saint-Michel, again you will enjoy the considerable benefits of traveling against the crowd, moving about in a pattern that separates you from the throngs. Since you will be staying overnight on the Mont, by the time the masses arrive and flow like a torrent through the gates, you already will have climbed up to the Abbey at the top. When the hordes complete their climb to reach the entrance to the Abbey, you will be making your way back down by way of the ramparts.As the throngs flood the restaurants on the Mont for lunch at noon, racing to bolt down a meal in time to get back to their buses, you will be at liberty to snack on the cheese and crackers you gathered earlier, and wait to dine later, after the streets have emptied and you have the Mont more to yourself. So you will dine at a window table as you watch the spectacle of the tides advancing across the sands at the speed of galloping horses, until the sea surrounds the Mont and renders it an island again.Keep Your Trip Relaxed and FunHave you ever been on a vacation that turned out to be more stressful than your normal work and life at home? Let’s face it, traveling anywhere can be remarkably challenging, whether it be visiting relatives nearby, making your way to a national park you’ve always wanted to see, or embarking on a grand adventure overseas. You find yourself plucked out of your comfort zone and in unfamiliar territory. But travel doesn’t need to add to your stress level, raise your blood pressure, or make you run for antacid tablets.Go easy on yourself. Anytime you travel and step out of your comfort zone, the number of things that can “challenge” you dramatically increases. Cut yourself some slack when traveling. There’s no reason to get upset when things that are normally simple, and a matter of routine, trip you up and get in your way.For example, when traveling in a foreign country like France where you don’t speak the language, even finding a restroom can be a challenge. The food is not what you’re used to, and asking simple questions with unfamiliar phrases from a book can feel daunting and embarrassing. Even going to the pharmacy to buy basic essentials can be an ordeal, with unfamiliar brands, not to mention that everything is in French.Allow yourself some extra time to “flounder” a bit. Quickly get over any initial shyness you have about asking for help whenever you need it. These “permissions” can make a huge difference in how smoothly your travel days will go. And you will be surprised at how quickly the French people will make every effort to assist you once you overcome your hesitations about asking for help.If you let the intriguing uniqueness of the French culture and lifestyle be part of the adventure of your trip, you’ll find yourself eliminating stressors, having a lot more fun, and making friends along the way.Adapt Your Trip to Your LikingMake adaptations to your trip based on your own particular interests, adding more of the types of activities that you will particularly enjoy. And don’t forget to keep your travel partner’s interests in mind when you do. One way to ensure that neither of you tires of a single type of activity, is to take turns deciding what comes next for the day.The Day Pages in each pre-planned trip book, or that you will set up for yourself, will provide you with a full schedule, and lots of specifics. But what if you discover that tomorrow is Market Day? Or you hear enchanting pan flute music drifting down the shopping street and emerge onto the square to find live performers playing in the sun beside a café that faces a lovely old church?What if you spot a shop that sells Santons-those remarkably detailed artisan-created figurines, popular for collecting, that portray all the chief characters in the village including the baker, the “goose girl,” the old couple, the crazy man, and the ladies of Provence, as well as Mary, Joseph, baby Jesus, the shepherds and the Wise men? Or when you encounter a wine-tasting tour in the candle-lit catacombs of a former abbey?When these and other golden opportunities present themselves, you are free, even encouraged, to deviate from the plan, alter your path, and otherwise seize the moment, then rearrange as needed. Take advantage of happy coincidences that occur. Experience Market Day. Listen while the pan flute music soothes your soul. Pause in the Santon shop to pick out a few figures that strike your fancy-maybe the woman carrying a basket of lavender or the little drummer boy.When you happen upon the old abbey that offers wine tasting in its crypt, pay the few Euros for your tasting cup, and pick up a form to record your descriptions and scores of the wines you taste, placing asterisks beside your favorites. Then walk through the catacombs, pausing in front of the wine barrels to pour yourself samples by the light of the candle.As you shift your plans for the day to get the most from unforeseen opportunities, you may need to do some rearranging of what you had planned, according to what is most important to you. But you will always have your original Day Pages as a guide to help you avoid missing out on any of the “must see” items at the top of your list.As you make choices, and reprioritize how you spend your time on this trip, remember that you likely will return here again in years to come. So you will have other chances to do what you miss doing this time.

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Getting Cheap Auto Insurance

Auto insurance is an important decision in everyone’s life. Initially when it was not mandatory, then most people were worried as to whether to take auto insurance or not. However now the question has changed a bit and now people are confused from where to get cheap auto insurance. Obviously insurance is a long term commitment and a financial burden of sorts therefore people prefer cheap auto insurance. However auto insurance should not be considered as a burden but a wise investment. By getting your car insured you are shielding it against any risk. Also you shield yourself against any financial liability which you would have to incur in the event of an accident. Therefore insurance whether it is a cheap auto insurance or a complicated one should always be considered at the time of buying a car. Once you have made up your mind to take insurance then the choice for the same is unlimited.The next step would be to look for ways to get cheap insurance. Insurance is a booming sector and there are many players in the market so you shouldn’t worry to find cheap insurance. Since there is a cut throat competition there are many people offering competitive rates. SO your cheap auto insurance search should begin with your telephone directory. In order to get a quote you can just call companies which are listed in it and you might be lucky to find some company which fit your requirement and your budget to the tee. However since insurance is a huge responsibility any random company can be a jackpot sometimes. If you want to play safe then you can consult your friends or relatives while choosing a company. Their experience will be your best guide in zeroing down on a company. You go with their company if they are happy with the service or you can totally leave that company out in case of any bad mouthing.If the above two options are not very convincing for you to get a cheap auto insurance then you can always go online to get a quote. Since internet is like a ready market, there are various companies online which provide cheap auto insurance. Since these companies have less of administrative cost and other cost they can actually pass the benefit to the customer. All you have to do is keying the word cheap insurance and there you will find hundreds of company giving you what you need. Obviously internet is not a personal affair since you don’t even see the company; you need to do a lot of company before deciding on the same. You can find all the information of the company from people’s blogs. Also credit rating given to the company will also be helpful. Once the credibility of the company is known then only you should go ahead to take any insurance from that company.However cheap auto insurance can be tricky at times. Many a times companies in order to attract customer with cheap auto insurance deals have many conditions applied to the policy. Therefore if ever you are convinced with a particular cheap auto insurance you should not just jump on to it but you should read the entire quote properly with all the terms and conditions. If you are cautious both at the time of selecting the company and at the time of deciding on a policy then they are hardly chances where you will be misguided. Remember insurance is not a lengthy boring procedure. It can be done in a jiffy with some planning and some research. Also the more research you do the more chances of you to get the best possible insurance. So what are you waiting get your car insured with the best of deals and have a peaceful mind.

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How to Make Money Investing in 401K Plans in 2015-2016 and Beyond

Torie, like millions of other people, knows that she needs to make money investing in 401k plans in 2015-2106 and beyond (she has a couple) in order to retire comfortably. What she also needs to know: 401k asset allocation, how to pick and manage her best 401k investment options, and the outlook for 2015 and 2016. Let’s take a look at how she and you can make money in 2015, 2016 and beyond (or at least make the best of it) if you’re in the same boat.Although it’s been easy to make money investing in 401k plans in recent years, this is not always the case. The first thing Torie and you need to do is to set a goal (Torie’s is to retire in about the year 2040). Second, be honest about your personal risk tolerance. Torie’s is “moderate” – but definitely not aggressive! Third, review your present 401k asset allocation to determine whether the investment options you hold are in line with your risk tolerance. Are you in the best 401k investment options, and in the right proportion?Finally, you need to understand that 2015 and 2016 could be a difficult time to make money investing in 401k plans. The reason: weak economic forecasts make yesteryear’s best 401k investment options vulnerable to losses. Stocks are pricey and so are bonds. Assuming your risk profile is similar to Torie’s (she would like to make money but wants to avoid heavy losses) what can you do now to stay on track, make money, and avoid heavy losses if 2015 and beyond turns ugly? We’ll use Torie as our example.A number of years ago Torie decided that she wanted to make money investing in 401k plans, but wanted to keep things simple. She had changed jobs once and was planning on another change in the future. With both employers she had set her plan up with 50% going to a safe stable account and 50% to a Target 2040 fund. She was busy and pretty much ignored her statements over the years. After all, her goal was to make money investing, and she could see at a glance that her portfolio balance was growing. Now, she needs to take a closer look at her 401k asset allocation to see what percent is invested in each of her two 401k investment options.In early 2015, a closer look revealed that both plans had a portfolio asset allocation far riskier than she had expected. The target fund represented almost 80% of her assets in her first plan and 75% in her current plan. What happened, and what action should she take to get back on track and still keep things simple? What happened was that her target 2040 funds turned out to be one of the best 401k investment options in her plans and they far outperformed her safe stable accounts.The other best 401k investment options had been stock funds, but Torie considered them to be too risky. With the target fund most of her money was actually invested in stock funds, with the rest in bond funds; and both fund types had performed well heading into 2015. Her plan was to continue to make money investing in her 401k by holding her target fund and a safe investment. That way she was invested in stocks and some bonds as well to give here her portfolio some balance.What she now needs to do is to REBALANCE her 401k asset allocation so that 50% of her portfolio assets are again equally invested in each of her two chosen investment options. That cuts her risk considerably and it fits her comfort level. Now, can you or Torie make money investing in 401k plans in 2015-2016 with a 401k asset allocation that is allocated half to safe investment options (money market funds or stable accounts) and half to stock funds or target funds? Yes, unless the stock market falls and bonds also take a hit.How can you make money investing in 401k plans in 2015 and beyond if both stocks and bonds get hit hard? You would need to move the vast majority of your money to the safe havens available. In other words, your best 401k investment options would be the stable account that pays interest (if one is available) or the money market fund (which your plan should have, but currently pays very little in dividends). For the average investor who needs long term growth (like you and Torie) this is an extreme measure.Remember, your real objective is to make money investing in 401k plans, so you can have a secure retirement. Moderate risk is part of the program. I use Torie as an example because her situation is typical. Her 401k asset allocation fits her (and likely your) risk tolerance and should produce growth over the long term. She has chosen the best 401k investment options to reach her goal of retirement in 2040 (if you plan to retire in 2030 go with the 2030 target fund, and so on). Half of her money is safe and the other half has growth potential.Plus, she has a plan to manage her 401k investment options. If the markets get ugly in 2015 and 2016 she will not make money investing in 401k plans, she will lose money. But she has money going into her target fund every pay period buying shares at cheaper and cheaper prices, and money going into and accumulating in her safe investment. Anytime her 401k asset allocation shows that 60% or more is in the safe account she will REBALANCE back to 50%, which means taking money from the safe account and adding it to the target fund. Then, when the markets turn, she’s well positioned to make money investing in 401k plans for a secure future.

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