International Travel Health Insurance Tips

When you are traveling around the world these days there is
a lot you need to be concerned with. International travel
health Insurance is one of them. When you travel
internationally you never know what can happen to you, but
you need to prepare for the unexpected.

The first thing you should do is take a good look at your
current health insurance. Many people assume that because
they have health coverage at home, they are covered in other
countries. That’s just not the case part of the time. Even
if your current health insurance does cover some medical
treatments, it is likely they aren’t covering everything.
So, take a good look at your health insurance. Read all the
fine print and if you still aren’t sure call the company
up. If the first person you talk to doesn’t sound like they
know answer, then ask to talk to someone who knows.

If your health insurance does cover international care, then
it may have a time limit. Thirty days is a common limit on
care for international travel health insurance. Again, you
want to make sure on this because if you get special
insurance for international travel, you don’t want to get
duplicate insurance.

If you are going on adventure type of trip, then you need to
have coverage for medevac. Medevac is short for medical
evacuation, such as using helicopters evacuate from some
remote area. I remember when I was last in Yosemite Park in
California, the Park Ranger said it can cost the mountain
climbers $20,000 if they get stuck and need a helicopter to
rescue them! In fact I have heard of some emergency
evacuations costing close to $100,000! Can you imagine
getting hurt, not having insurance, needing emergency
evacuation and then having to pay that amount of money? That
would certainly make my trip less enjoyable.

If for some reason you become very ill and need to stay in a
hospital for an extended period the current health insurance
you have may not cover you for a longer period.

If you are a senior citizen, it’s important to note that
Medicare doesn’t cover you abroad.

According to the U.S. Center For Disease Control and
Prevention half of U.S. travelers abroad will have some sort
of health problem.

There are many types of international travel insurance
plans. There are short term international travel health
insurance plans, there are long term travel health insurance
plans and there are plans that deal with non medical issues.
These issues may be non medical to begin with but they can
make you feel sick later. An example of non medical travel
insurance is trip cancelation for international travel.

Another factor in all this is to find low cost international
travel health insurance or non medical health insurance that
still offers good coverage. Remember to carefully compare
the policy and do some research. Try to find testimonials
and look for any bad reviews of insurance plans. Preparing
well can make the all the difference.

International Travel Medical Insurance and Traveling Abroad

When traveling, it’s always a good idea to investigate your destination for potential issues, especially if you are traveling outside the US. It’s also preferred to get international travel insurance.

This website gives information on international travel for US citizens, Visas for US citizens, Visas for foreign citizens, and children and family of US citizens. It was also give you alerts for various countries.

The State Department strongly encourages American citizens planning travel abroad to register their travel with the Department of State. Travel registration makes it possible to contact a traveler if necessary, whether because of a family emergency in the United States or because of a crisis in the place the traveler is visiting. Registration is a free service provided by the State Department.

If your family needs to reach you because of an emergency, they can pass a message to you through the Office of Overseas Citizens Services, which can be contacted from within the United States at 888-407-4747 (toll free), and from overseas at 202-501-4444. The Office of Overseas Citizens Services will contact the U.S. Embassy or Consulate in the country in which you are traveling in order to pass the message to you.

Make sure you have a signed valid passport, and a visa, if required, and fill in the emergency information page of your passport. Leave copies of your itinerary, passport data page and visas with family or friends, so you can be contacted in case of an emergency.

Familiarize yourself with local conditions and laws. While in a foreign country, you are subject to its laws. The State Department website has useful safety and other information about the countries you will visit.

Take precautions to avoid being a target of crime. To avoid being a target of crime, do not wear conspicuous clothing or jewelry and do not carry excessive amounts of money. Also, do not leave unattended luggage in public areas and do not accept packages from strangers.

While traveling, contact the US Embassy in case of an emergency. Consular personnel at US Embassies and Consulates abroad and in the U.S. are available 24 hours a day, 7 days a week, to provide emergency assistance to U.S. citizens. Contact information for U.S. Embassies and Consulates appears on the Bureau of Consular Affairs website. Also note that the Office of Overseas Citizen Services in the State Department’s Bureau of Consular Affairs may be reached for assistance with emergencies at 1-888-407-4747, if calling from the U.S. or Canada, or 202-501-4444, if calling from overseas.

While you are planning your trip, see your doctor at least 6 weeks before you leave. Some vaccines don’t reach their highest protection up to 6 weeks after you get the shots.

Have medical and dental check-ups before your trip, so you can be aware of problems and to find out about medicines you might want to take along.

Check your overseas medical insurance coverage. Ask your medical insurance company if your policy applies overseas, and if it covers emergency expenses such as medical evacuation. If it does not, consider supplemental insurance. Bring your eyewear prescription, and wear a medical information bracelet if needed.

And lastly, look into buying international travel medical insurance. International travel health insurance plans include international travel insurance and student international travel insurance for international travelers. Coverage lengths can be flexible and vary according to your plans.

International Travel Insurance

When traveling abroad, either in relation to your business or in connection with your studies, and in most cases, even if your trip is for pleasure, it is advisable to get an insurance policy covering international travel.

Accidents are unforeseen and uncertain. There are risks involved in traveling such as losing your baggage or luggage. Being insured is one way of preparing yourself in the event that such accidents or risks occur. Choosing the appropriate type of international travel insurance can be quite daunting, though, with so many companies offering this business. Keep in mind that your circumstances are different from that of other travelers and it is best to find the insurance coverage that is most suited to your situation.

A number of factors are to be considered when purchasing your international travel insurance. The first would be the duration of your journey. If you are planning to go out of the country for a long period of time, you must get an insurance that is comprehensive. Another factor would be your destination since the more remote the location is, insurance features like evacuation in times of emergency might be required. You must ascertain that the features of the insurance you get have a 24-hour assistance available worldwide and that it covers contingency cases.

Your budget is likewise a primary consideration, as you would want only the best insurance possible given your earmarked expenditure for such. There are a number of insurance companies that offer competitive rates. You can look at their listings in the directory and visit their offices or call them up to make inquiries. You can also check the different insurance available in the Internet, if you prefer to buy online. Whatever or however you decide to make your purchase, just remember to buy an international travel insurance that will meet all your needs while you travel outside the country.

Cheap International Travel Packages

Cheap international travel packages have become quite popular over the recent past and there are many who choose to travel abroad. It no longer remains an elusive dream because traveling abroad has become quite convenient and easy. It wouldn’t be incorrect to say that the world has truly shrunk and become one global village, after all distances don’t seem that long anymore. There was once a time when it remained just a dream to travel abroad and being able to go even once was a big deal. However, this scenario changed completely with liberalization taking place in the country and business opportunities opening up worldwide. It is now possible to travel both on business as well as on vacation to any part of the world.

What makes it extremely easy and simple is the availability of cheap international travel packages. These packages have made it possible for anyone to not only think but also enjoy a vacation abroad. America and Europe have always topped the chart of anyone planning to travel abroad. But what has come as a surprise is not only the ease with which one can travel to these countries but also the possible of enjoying cheap international travel packages to these countries.

Other countries that have gained immense popularity and are considered major holiday hotspots include countries in the South East Asia such as Thailand, Singapore, Malaysia and Indonesia. Cheap international travel packages are available for these countries that take care of all the requirements needed to enjoy a fabulous holiday.

There are quite a few online travel websites that offer all kinds of amazing cheap international travel packages. The options are varied and diverse and depending on one’s requirement one can choose the perfect package. These packages cover every aspect of the travel itinerary therefore ensuring that travelers need not face any kind of a hassle or problem. There short duration holiday packages that are perfect for a weekend getaway to long duration packages. Many will find short duration holiday packages for Southeast Asian countries that are apt for a weekend. Long duration packages of 20 to 25 days can be found for Europe and America. A number of European countries are covered within this couple of days and one can definitely make the most of their trip.

Cheap international travel packages are one of the best ways to enjoy the myriad facets that these amazing countries have to offer. There are many travel operators that offer excellent package deals and some of them are even categorized as per tastes and preferences. Hence, it is not uncommon to find travel packages that are culture, shopping, religious, adventure specific. Depending on one’s preferences, one can choose cheap international travel packages that meet one’s expectations.

International Travel Medical Insurance

International travel medical insurance is used by short-term travelers, mostly on holidays and pleasure cruises. Apart from covering medical expenses for a short travel time, it also covers emergency medical evacuations and trip cancellation refunds.

When you arrange with a travel agency for a tour with a fixed schedule, all the necessary reservations are confirmed. So the agency always demands a non-refundable deposit. It is done weeks in advance, and sometimes a person may not be in a position to undertake the tour or cruise due to a variety of reasons, including health reasons. Along with medical expenses, this aspect is also covered in travel insurance, and a reimbursement from the insurance company can be claimed in case of a cancellation.

Sometimes a travel company files for bankruptcy after collecting a good amount as deposits. The traveler is left with useless papers. This is also covered under international travel insurance. But most policies will not cover trip cancellation if the reason for cancellation is not genuine enough. Simply altering the plans on a whim is not acceptable.

While traveling, a medical emergency does not wait for the right time to take place. A mountain resort, a cruise ship or the middle of an African safari is where most accidents happen. To get the victim of an accident or sudden illness to medical facilities, costs are very high. This evacuation benefit is the second-most important coverage of travel medical insurance. Of course, the traveler needs to be fully protected against any illness or accident during the trip. It costs about five to seven percent of the travel cost to buy travel insurance and, considering the peace of mind that it gives, it is a good value.

Be vigilant, read all the small print carefully, and if you are not satisfied that you know all that is to know about this product that you are buying, do not sign on the bottom line. If a salesperson evades your questions, it is time to look for another one.

How to Make Informed Investments

Preparation is the name of the game. The Chicago Bulls would never have won six championships if it wasn’t for the countless hours that Michael Jordan put in the gym throughout his entire life, and the endless game planning that he had undergone before every single game of his career. This kind of preparation, mixed with an unnatural athletic ability, was the reason that he had reached the level of success that he had. In the world of investing however, one does not need to possess any particular natural talents or abilities. The key characteristics of a truly successful investor include knowledge and preparation. Even the most experienced and successful investors in the world today are constantly searching for ways to improve themselves on a day to day basis. All of the best investors are not only informed on what industries to invest in and when, but also informed on what kind of position they are in at any given time, and aware of the best kind of investments for them at that particular moment in time.

Continually being conscious of your financial position during all points of your investing career and knowing yourself as an investor inside and out is crucially important when determining the level of risk that you should be taking on and when. If you are someone that finds themselves particularly interested in long term investments that will ensure a fairly moderate amount of return on investment, then there are a multitude of options for you. We all know that with the all-time low interest rates we are experiencing right now, savings accounts are not an effecting way of collecting interest at all.

Personally, I believe that the two best long-term investments include certificates of deposit (CD’s) as well as bonds. CD’s are just about as low risk as they come. These are especially nice because they are insured $250,000 by the FDIC, so as long as you are diversifying the CD’s that you purchase, you’re 100 percent certain that you will be receiving the promised amount of money back. By this I mean that when purchasing CD’s you should open up multiple of them and never let them reach $250,000 before maturity if you want to be 100 percent certain of receiving the promised amount of money on time. They typically range between 6 month investments to 30 year investments. The longer away the date to maturity, the higher the interest rate on that particular CD. The best way to ensure a solid return on investment as well as a steady flow of income from a CD would be to have many different ones with a range of maturity dates that span from the short term to the very long term.

The “Experts” Are Getting Crypto All Wrong

Bitcoin peaked about a month ago, on December 17, at a high of nearly $20,000. As I write, the cryptocurrency is under $11,000… a loss of about 45%. That’s more than $150 billion in lost market cap.

Cue much hand-wringing and gnashing of teeth in the crypto-commentariat. It’s neck-and-neck, but I think the “I-told-you-so” crowd has the edge over the “excuse-makers.”

Here’s the thing: Unless you just lost your shirt on bitcoin, this doesn’t matter at all. And chances are, the “experts” you may see in the press aren’t telling you why.

In fact, bitcoin’s crash is wonderful… because it means we can all just stop thinking about cryptocurrencies altogether.

The Death of Bitcoin…

In a year or so, people won’t be talking about bitcoin in the line at the grocery store or on the bus, as they are now. Here’s why.

Bitcoin is the product of justified frustration. Its designer explicitly said the cryptocurrency was a reaction to government abuse of fiat currencies like the dollar or euro. It was supposed to provide an independent, peer-to-peer payment system based on a virtual currency that couldn’t be debased, since there was a finite number of them.

That dream has long since been jettisoned in favor of raw speculation. Ironically, most people care about bitcoin because it seems like an easy way to get more fiat currency! They don’t own it because they want to buy pizzas or gas with it.

Besides being a terrible way to transact electronically – it’s agonizingly slow – bitcoin’s success as a speculative play has made it useless as a currency. Why would anyone spend it if it’s appreciating so fast? Who would accept one when it’s depreciating rapidly?

Bitcoin is also a major source of pollution. It takes 351 kilowatt-hours of electricity just to process one transaction – which also releases 172 kilograms of carbon dioxide into the atmosphere. That’s enough to power one U.S. household for a year. The energy consumed by all bitcoin mining to date could power almost 4 million U.S. households for a year.

Paradoxically, bitcoin’s success as an old-fashioned speculative play – not its envisaged libertarian uses – has attracted government crackdown.

China, South Korea, Germany, Switzerland and France have implemented, or are considering, bans or limitations on bitcoin trading. Several intergovernmental organizations have called for concerted action to rein in the obvious bubble. The U.S. Securities and Exchange Commission, which once seemed likely to approve bitcoin-based financial derivatives, now seems hesitant.

And according to Investing.com: “The European Union is implementing stricter rules to prevent money laundering and terrorism financing on virtual currency platforms. It’s also looking into limits on cryptocurrency trading.”

We may see a functional, widely accepted cryptocurrency someday, but it won’t be bitcoin.

… But a Boost for Crypto Assets

Good. Getting over bitcoin allows us to see where the real value of crypto assets lies. Here’s how.

To use the New York subway system, you need tokens. You can’t use them to buy anything else… although you could sell them to someone who wanted to use the subway more than you.

In fact, if subway tokens were in limited supply, a lively market for them might spring up. They might even trade for a lot more than they originally cost. It all depends on how much people want to use the subway.

That, in a nutshell, is the scenario for the most promising “cryptocurrencies” other than bitcoin. They’re not money, they’re tokens – “crypto-tokens,” if you will. They aren’t used as general currency. They are only good within the platform for which they were designed.

If those platforms deliver valuable services, people will want those crypto-tokens, and that will determine their price. In other words, crypto-tokens will have value to the extent that people value the things you can get for them from their associated platform.

That will make them real assets, with intrinsic value – because they can be used to obtain something that people value. That means you can reliably expect a stream of revenue or services from owning such crypto-tokens. Critically, you can measure that stream of future returns against the price of the crypto-token, just as we do when we calculate the price/earnings ratio (P/E) of a stock.

Bitcoin, by contrast, has no intrinsic value. It only has a price – the price set by supply and demand. It can’t produce future streams of revenue, and you can’t measure anything like a P/E ratio for it.

One day it will be worthless because it doesn’t get you anything real.

Ether and Other Crypto Assets Are the Future

The crypto-token ether sure seems like a currency. It’s traded on cryptocurrency exchanges under the code ETH. Its symbol is the Greek uppercase Xi character. It’s mined in a similar (but less energy-intensive) process to bitcoin.

But ether isn’t a currency. Its designers describe it as “a fuel for operating the distributed application platform Ethereum. It is a form of payment made by the clients of the platform to the machines executing the requested operations.”

Ether tokens get you access to one of the world’s most sophisticated distributed computational networks. It’s so promising that big companies are falling all over each other to develop practical, real-world uses for it.

Because most people who trade it don’t really understand or care about its true purpose, the price of ether has bubbled and frothed like bitcoin in recent weeks.

But eventually, ether will revert to a stable price based on the demand for the computational services it can “buy” for people. That price will represent real value that can be priced into the future. There’ll be a futures market for it, and exchange-traded funds (ETFs), because everyone will have a way to assess its underlying value over time. Just as we do with stocks.

The Dollar Could Easily Get Stronger

Ever since the start of 2017, the dollar has been in an almost constant decline.

In fact, the PowerShares DB U.S. Dollar Bullish ETF (NYSE: UUP) has dropped over 12% from its 2017 highs, despite a 2% gain.

UUP is an exchange-traded fund that measures the dollar against six other currencies. When the dollar strengthens relative to the others, the price of UUP goes up.

Generally, the dollar is seen as a safe haven, somewhere for investors to put their money in times of market uncertainty. And since we have seen a market that went straight up over a 15-month period, there was less demand for safety assets like the dollar.

But that can only last so long. Right now, there is a fear of inflation in the markets due to higher employment and wages.

When the economy is strong, inflation usually follows. That’s because when people make more money, they spend more. And when more money is spent, there’s more in circulation, and the excess supply makes each dollar less valuable.

However, inflation fears are likely overblown due to the fact that we haven’t seen an economy this strong since before the financial crash.

When inflation gets too high, it sends production costs up and business slows. But right now, inflation remains steady around 2%.

That may seem high, as it was around 0% for all of 2015 and some of 2016, but in the big picture, it’s normal. In fact, it’s seen as healthy.

As a reference, inflation had gotten over 4% in 2005 and 2006, right as the economy showed signs of slowing.

Many are wondering how to profit from this analysis.

Demand for the Dollar

The dollar could easily get stronger from here as well.

Right now, a huge part of the world’s economy has extremely low interest rates. Much of Europe, for example, is under 1%, and they aren’t planning on raising rates aggressively anytime soon.

The United States, however, has a rate of 1.5%. This isn’t high, but we could easily see that go over 2% this year if the economy stays healthy.

That would also increase the rate of government bonds, which is 2.86% right now. As the rate get higher, international investors will begin to buy more U.S. bonds, which increases demand for the dollar and sends its value up.

How to Profit

Even though the only way to directly invest in the strength of the dollar is through UUP, there are other ways with higher return potential.

One is buying call options on the UUP fund, but that’s much riskier, as you could lose your whole investment.

Another way would be buying a leveraged ETF against a different currency.

For example, the VelocityShares Daily 4X Long USD vs. EUR ETF (NYSE: DEUR)returns four times the percentage that the dollar appreciates against the euro.

There are also similar funds that produce the return of the dollar against other currencies, like the pound (NYSE: DGBP), the yen (NYSE: DJPY) and the Australian dollar (NYSE: DAUD).

Image Optimization for SEO – Best Practices

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

Best Support And Opportunities For All Youth

American youth currently face challenging realities along their way to adulthood. With parents working longer hours and the absence of grandparents and other community adults who used to make up support systems, the intergenerational fabric of community has been frayed. Youth development strategies aim to reweave community fabric in a new way – one that takes the supports and opportunities young people should have, and re-institutes them in the context of young people’s realities today. While many of these realities are harsh ones, we know that young people themselves want to be involved in their communities. The importance of building positive youth/adult partnerships in this process cannot be stressed enough.

The mobilization effort is based on influencing three critical elements: information, attitudes, involvement. The transformation of each of these areas, both in the public and private domains, is a necessary condition for change. For example, in the area of information, the country is currently focused on collecting primarily negative youth information, e.g., teenage births, dropouts, and juvenile arrest rate. Inspiring a 180 degree shift, we need to collect information such as: average number of hours youth participate in after-school activities, computer to youth ratio in non-school hours, and the percentage of youth who hold part-time jobs. The three elements are intertwined, for how information is gathered and communicated impacts attitudes as well as how and if people choose to become involved.

Only through broad community commitment, strong public will, and diverse partnerships can youth development take root, go to scale, and be sustained over time. Ultimately, the mobilization must be supported by partnerships among all of the systems in a community that affect young people (i.e., education, corporations, health care, juvenile justice, religious groups, and recreation). To build these relationships and establish youth development infrastructures to improve developmental paths of adolescents will take at least 10 years.

Localities currently spending their resources on efforts to “fix youth” will need to pool, redirect, and increase their financial commitment to youth development. These additional dollars will ensure all youth equal access to supports and opportunities, especially youth living in economically distressed areas.

Our information on the services young people need, and use, is still hit or miss. Communities do not know what they have or what they need. They usually have no way to tell how well services are being used and what services need to be improved.

Good information is important for youth services for exactly the same reasons it is important for everything else. Accurate, accessible standardized information lets people find the services they need and use them effectively. It lets communities manage, evaluate and improve their services and determine the need for changing them, eliminating them, or developing new ones.

Many national efforts to measure outcomes presently use deficit-driven indicators to assess young people’s condition in society, such as teen pregnancy rates, juvenile crime numbers, and percentages of high school dropouts. Although these measures are important, they do not tell the whole story about young people’s experiences. Measures that reflect positive conditions and experiences of young people are also important.

The accelerated trend of the past decade toward empowering our nation’s young people to succeed has fostered a new awareness and commitment to this most valuable resource. Some basic questions are:

- How much do we currently spend?

- How much should we spend?

Some progress has been made through new initiatives in education finance reform and services integration, providing more effective delivery of social, health and educational services for children and youth from the classroom up to the government. This document establishes an initial framework and formula for assessing the financial resources and mechanisms necessary to move American society closer to this ideal. The following were found to be potential root causes of these trends in spending:

- Devaluation of adolescents.

- Lack of consensus on youth development.

- Lack of adequate and protected funding. Funds are not protected and dedicated in the manner necessary to sustain the long-term, comprehensive process that is youth development.

We can support the move toward the ideal by:

- Seeking new types of information.

- Building on the after-school momentum.

- Making a sustainable public investment.

Youth development is an investment that must be made by each sector of the wider community – public and private. Examination of the federal-state matching, local dedicated taxes an incentives for business and philanthropy could lead to models for providing adequate and sustainable funding for youth development. National intermediaries must work to cultivate this leadership at all levels of government, and at the grassroots, by creating constituencies.