Travel Tips to Spain From Key Items to Pack to Security
Invaluable travel tips, particularly if you’re renting self catering accommodation like a villa.Before going into detail on important issues such as avoiding car rental tricks and security tips, then some key must-pack items should be listed first.What should I take with me to Spain?Apart from the obvious luggage requirements we would suggest:-A torch – particularly if you arrive on a late flight or arrive late due to delays, as you may find that the villa is more difficult to navigate when you are not familiar with the property and need to locate the door keyhole and steps.Ear plugs – for swimming in the pools to help prevent any possible ear infection (available at chemists) – see pools below for more info; Pool caps – particularly for those with dyed hair, which could react to chlorine in the pool and change its colour (available at large stores or local baths);Suntan cream – waterproof and of a high factor. Remember you can get the sun even through your clothes or parasol.Mosquito repellent plug-ins – liquid ones are best, as opposed to tablets (available at the airport or cheaper in the Spanish supermarkets). Tip – if you close the window & door to the bedroom and leave the plug-in on for 1 hour before you go to bed then you should be able leave the window open all night without any disturbance from mosquitoes. Note the more elevated or breezy the property is the fewer mosquitoes are around.Other items to remember: medications, hair dryer, adaptor for 2 pin plug, camera, CDs (where useable), directions to the villa with contact details, driving licence, passport (10 year one), contactable phone number on GSM for your family. Keep cash and credit cards with you at all times in a useful money belt.A phrase book. Helpful to have, although most Spanish people on the Costa speak English. Get to know some key words like ‘please’ and ‘thank you’. Try to pronounce some words in the local language – it will give you really good pleasure to interact with local people.GPS handheld Sat Nav. Most useful for driving around, and for walking too. If you have a Smartphone, then you can download a map.Do I need to hire a car?Although there are some rental villas you may find that are close to the beach and supermarkets that can be walked to, it is generally recommended to rent a car for the enjoyment of your holiday, flexibility and cost saving over taxis. Villas with private pools tend to be set back in the valleys and therefore generally considered too far to walk to shops, although would only be a few minutes’ drive away. Buses do service the many small resorts, although you may have to wait quite sometime, whereas taxis are much more readily available, but would be more expensive than car rental for the duration of a holiday, taking into account also transport to and from the airport. Note that there could be few pavements and very little street lighting on the access roads to many villas, so walking at night can be more precarious.Beware low-cost car rental: Ensure you get fully comprehensive insurance cover, not just CDW and TC. Many price-compare-website results show the cheapest agency rate, but invariably when you arrive to your destination airport car rental reception desk they ask for more money for insurance protection, which then equates to double the car hire cost. Obtain in writing, before you leave for your holiday, that the car rental includes Fully Comprehensive cover, or don’t book it!If you go in summer then look to buy a foil reflective windscreen protector, thus saving the interior of your car from heating up too much.Animals and insectsStray and wild small cats should not be fed or allowed into your accommodation, as they tend to have fleas and can destroy the furnishings, as well as irritate members of your own party.Ants are constant visitors to all self catering accommodation in warm climates, particularly as most properties are surrounded by gardens. Locally bought ant powders are a good repellent, but it also helps to keep crumbs to a minimum.Personal Security.The following points are important for travellers to know, but to put it into prospective the UK has twice the number of burglaries than Spain does, according to Civitas, so one should not be overly concerned, but observant and mindful.Be particularly careful upon arrival to airports. It has been reported that sometimes thieves will identify possible targets at the arrivals hall. When one is on holiday the mind is pre-occupied with simply moving luggage and getting to the destination. Thieves may identify potential targets for many reasons. Some include seeing expensive luggage, video cams, a pre-occupied family in a flustered state and others perceived as a vulnerable target.Without being alarmist it is in your interest to be more vigilant. It is possible that you may be watched at the airport and followed to your accommodation. Keep valuables with you when you are out, or in a safe if the villa has one. Opportunistic thieves tend to seek portable items, usually non-identifiable and include cash, and would normally attempt a break-in shortly following arrival, but invariably when the premises are unoccupied.Tricks. It has been known that certain tricks are played on tourists in Barcelona. Whereby a passing señorita, or señor. passes you by and then brushes your shirt and tells you that some bird has made some droppings, when it was her/him that actually put it on you in the first place. By the time you overcome the confusion the accomplice runs off with your wallet.Other tricks involve a helpful fellow motorist that flags you down indicating that you have a flat tyre on your car. When you both get out of the car to see what is wrong they run off with a handbag.If the entrance door to the villa is some way from the pool, then do ensure you lock the door.If you do experience a theft then go directly to the police station and report the incident and ensure you get a crime number, as you would in the UK.Remember in Spain as well as the UK or elsewhere in the world:Do not leave unattended luggage anywhere, including your car.Be careful if the car is loaded when parked, and left unattended. Best go to a secure car park in cities rather than park in the street.Be mindful of what is going on around you. Particularly at airports, and when leaving the airport and leaving the villa. If possible leave a car in the driveway and leave a light on.Keep possessions close to you.Hold less cash. Use travellers cheques or use credit cards more.Beware of whoever knocks on your front door, as you could well be being assessed.Do not let into your property anyone that is not your agent’s representative. Some practice includes pretending that the gas tubes are due to be replaced, which in every case is a scam.If you are suspicious then do call the local police or your representative at the villa, or mention it at a bar or restaurant close by.Villa SecurityAs you would be security-conscious at home so you should be in Spain. Opportunistic thieves have made simple break-ins into villas in the past, mostly due to the non mortise locking of doors or the failure to properly close windows, which are not protected by the local decorative metal bars on windows and sometimes gate doors.As at home in the UK or other parts of the world insurance cover on any break-in is only honoured provided that a mortise lock is used (not just a Yale type key) and any other fitted bolts are also used (if fitted), so do ensure your accommodation is securely locked when you are out.
What to Expect From Real Estate Agent?
It is always a good idea to make sure you are educated about the facts regarding your local real estate market, but at the same time it is also important for the real estate agent you choose to provide you with the right guidance. This is the person that interacts in the market on a daily basis. They have experience in handling negotiations and is familiar with the process. It is extremely important to be sure you work with a realtor who will provide you with the most experience and best representation. To accomplish that goal, there are several questions that you should ask of any real estate agent you are considering working with.First, find out whether they are an expert in your particular market? Consider the type of home you plan to purchase and then ask whether they are familiar with the local area and what is selling and what is not selling. Your real estate agent should be well versed on the local market and should be able to easily answer any questions you might have.You should also consider whether they are willing to work with you whether you are ready to buy yet or not. A good real estate agent understands that the home buying process is just that; a process. They should be willing to educate you regarding that process, assist you in defining your needs, show you available properties and assist you in finding a lender. They should be willing to do all of this before you are ready to make the actual commitment of buying a home so that when you are ready you will be fully prepared.In addition, consider whether the real estate agent is willing to suggest properties other than those you have found on your own on the Internet. There could be similar homes in the area you are not aware of. Your realtor should be willing to do some research and uncover all properties in the area that might suit your needs. A good realtor will be willing to show you properties that will meet your needs regardless of whether it is their listing or not.How good of a listener are they? Are they willing to listen to your needs and respect them or do they ignore your requirements? You should always steer clear of a realtor who doesn’t appear to listen to what you want and need in a home. Their focus should be on finding you the right home for your needs, not the home that will net them the largest commission.You should also consider whether they are willing to provide you with advice regarding taxes and financing. While real estate agents are certainly not mortgage brokers or accountants, a good realtor has enough experience and knowledge to assist you in analyzing the various options and alternatives and to advise you when you should consult a professional.The right real estate agent should also be able and willing to help you through the entire closing process in a smooth manner. There is a tremendous amount of due diligence that must be done even after the offer has been accepted on a property and the contracts signed. A good realtor will take full responsibility for that process. This can include searching for necessary documents in public records, checking homeowner association restrictions, researching zoning issues, etc. They will be present for the home inspection and review the final results with you, track the entire loan process and coordinate with the attorney and lender. Ultimately, they should be willing to do everything that is necessary to ensure the transaction makes it to the closing table with as few problems as possible.The National Association of Realtors reports that approximately 90% of all home buyers begin their search on the Internet. Even so, nearly 90% of those buyers eventually work with a real estate agent in order to expand their search, find the right property, negotiate a good deal, handle the paperwork and prepare for the closing. Locating the right realtor is extremely important and is one that should not be overlooked. In the end, finding the right real estate agent can save you a tremendous amount of time and hassle when you are ready to buy a home.Finding a right real estate agent from your local brand-name brokerages is extremely easy on the Internet now. These online services allow you to compare the agents background, commission rates, home transactions and more. Best of all, the local real estate agents will send you a customized proposals for free. Click to find out more!
Difference Between Term and Whole Life Insurance
I want to educate here not take one side or the other.There is a place for both types of life insurance; but, each has differences.Life insurance is basically life insurance when one considers the use.Life insurance is used to provide discounted dollars for an emergency death situation. In other words, you are not going to spend dollars to bury someone or pay off a mortgage due to death from personal savings or worse yet, cash flow. You are trying to use dollars that did not cost you 100% on the dollar to buy.Depending upon a variety of circumstances, to many to elucidate here, both term and whole life may work.However, there are many different forms or variations of life insurance policies.With whole life insurance, sometimes called cash value life insurance, you normally get back some of the money you spent buying the policy in the first place….i.e. “cash value” so of the cash you spent to buy the insurance is given back to you at a certain point if you don’t die and/or you can borrow the cash that has accumulated in the policy fund for whatever reasons you want. With term insurance you do not and you cannot.With term insurance you do not get back any of the premiums you paid for the insurance and consequently you have no fund to borrow fund in the policy.With both whole life and term insurance you can choose the face amount of the policy. In other words will you buy $10,000 or $100,000 of coverage or some other amount? This is usually based upon the perceived need of the policy owner.Normally, whole life is more flexible in changing amounts of a single policy but some firms offer term contracts that achieve a similar result.Many years ago the phrase “Buy term and invest the difference” was all the rage. The concept is a valid one, the concept of buying term insurance, which will almost always carry a much less expensive premium than whole life, and then taking the difference between what the whole life would have cost and “investing” it in something makes sense; many do it.The practical functional problem is “…investing in what?”Technically an “investment” is something that produces and income. Well, for the common man, such as myself, thinking of investing as to create an income would require more dollars than could be derived for the “buy term and invest the difference” idea. But for some that works.Saving money, getting the greatest value for the dollar spent many times will make the purchase of cash value, whole life insurance a better option.One’s cash flow situation, one’s budget situation and other realities will dictate many times to the wisdom of a term life or a whole life purchase.Many writers on the subject use the analogy of the difference between term and whole life from an economical perspective to be similar to the difference between owning your home and renting one.With ownership there is normally equity, now these days this analogy breaks down a bit due to the crazed economic times, I trust that you get the idea however. With renting you are not going to see a return of rent monies, but you are renting, making available a roof over you head. That is like term insurance, depending on some factors you can get a lot more term life insurance for less when compared to whole life.However with term insurance you are only buying coverage to be used upon death. If the death does not happen during the contracted length of the policy, and there are many lengths to choose from, the policy is done, all premiums have been paid; but there is nothing to show for it.Not the case for whole life, when the term is done, and most whole life policies cover most of your life, there is a return of some premiums. And the premium return is really a low interest return to you of premiums invested by the life insurance company; however, most of the time it will cover all premiums paid.Well, both term and whole life have their place. If I may, it might be better to not consider an “investment” approach when buying life insurance from a family perspective. Life insurance is to protect the earning power and financial stability of people and families it is not a get rich wealth creation took per se.It is easier to keep life insurance simple in the beginning, cover the basics with either whole life or term insurance or both; and then as you move through life and you wealth picks up think about “investing.”Life insurance is life insurance…if you’ve ever given a death benefit check to a grieving widow or widower, believe me they are not thinking about “investing” in anything….they need money just to keep going.
Gambling Addiction – Wake Up to the Reality of a Gambling Addiction!
Gambling addiction is becoming more and more prevalent. For some of us it is an escape from life’s problems and from our own feelings of anxiety and depression.
However, what you may not realise is that this is all an illusion. There is no real escape. The feelings or unsolved problems do not go away, they will still be there waiting to be dealt with at the end of the gambling road, when you will have even less resources to deal with them.
If you have a compulsive gambling addiction then you can still get help and recover from it. If you are spending more time gambling, maybe you need to step back and gain some awareness of what is really happening for you, before it is too late.
Ask yourself what your end purpose is, in staking everything you have ever worked for, built in your life and loved, for a fleeting win?
These are some of the illusions you may believe:
1. Are you trying to numb emotional pain that you are feeling? Your addiction just covers the pain rather than helping it disappear. In the long run, you will have even more pain to deal with.
2. Do you think that money will replace a lifetime, or buy you love or precious memories, friends or anything of real value in life? Money comes and goes but love and memories stay with you always. What memories are you carving for yourself?
3. Does gambling make you feel powerful? How long do you think that illusive power is going to last?
Gambling addiction will take away your power and enslave you. When you have exhausted all of your resources in life, you will only have yourself to face; there will be no escape. Will you like what you see? Help yourself today so that you will be happy to face yourself in the future.
4. Do you know what you are really gambling with? If you think it is just money, think again. Ultimately, you are selling your life.
5. Maybe you think you will be one of the rare winners? That is the ultimate illusion. There are no real winners in gambling. Everything comes at a price.
True winners are those who choose to take the bull by the horns and create a life they want. Why not take a gamble on yourself and turn your life around. Challenge yourself to become a true winner in life.
If you are experiencing gambling addiction do not despair, as there are always solutions. People have been where you are now and have come out the other end. You can do the same. You have a choice to make; make it a wise one
Opt to Gamble Via the Internet Or Via Your Cellular Phone Or Even Offline
Long before the introduction of land based casinos in the major cities in the world, gambling had become a popular pastime for many people; and in the modern time it continues to be a major force that drives people to spend their money for the outright thrill of testing their luck and winning. Today, gambling is one flexible field with so many facets, with lots of thrills, with lots of fun to offer to its followers all over the globe. Now people can bet on any game of chance from sports betting or casino games. These activities are for everyone interested and curious to take part in; and you can enjoy them at so many venues all over the world, so it is not hard to find a venue in your locality or near. In fact, virtually everyone can now participate in such games because a lot of gambling promoters have brought themselves too open to everyone. When gambling was brought online, it just became a phenomenon, being completely accessible to anyone online. This revolution made it possible for this activity to be enjoyed anywhere, at different venues for complete fun.
The usual place where gambling is held is at land based casinos, and they are still popular even up to this modern time when online versions are rising to popularity. With the online gambling sites having more to offer than the conventional brick and mortar venues, the latter are simply bracing themselves to survive the competition. But online sites do not intend to compete with their well established land based elders. Instead, they simply serve as an alternative should people want to enjoy games of chance and yet can’t hope to go out of their houses. Nevertheless, therein lies the sheer advantage of online sites over the land based ones, as online gambling is completely suitable for people who are starting to be gaming enthusiasts and wish to hone their skills and techniques in playing. Online gambling venues allow people to subscribe for free at first, with no need to drop in their money. This is quite good for those who are not yet adept but are eager to learn the basics and ins and outs of their favorite casino games. Nonetheless, seasoned pros can just come to their chosen brick and mortar casino for real fun and real feel and real deal.
Amazing prizes and great rewards
Gambling is not the same as it used to be. In fact, you can see how much video poker, live roulette, TV slots, and blackjack have changed as they have gone onto the internet. Long-established casino games are coming out now with more variations and exciting additional benefits which, together with the pot money, make the online version even more profitable for newbies in gambling.
Seasoned players may want to check out what’s online and they would be happy to know that the online version offers rich rewards and big prizes.
But there is another option for gambling and this one is formatted to be played on mobile phones-great for people on the go. While online playing is most suitable for those who live hundreds of miles from the nearest casino house, mobile phone betting is apt for busy professionals.
Gambling and betting have been formatted to become facile for all people and are now tailored for people of all walks of life.
Land Based Gambling Against Online Gambling
Land based gambling and online gambling are essentially the same. It’s either you win or lose, and these two possibilities should be clear because it’s not all about winning. The game principles employed in them are basically the same, since online venues have adapted the features of the real casinos. But there is a difference in terms of convenience, and herein lies the argument. Obviously, there are qualities where one wins against the other.
Which offers more convenience?
People who go to gambling sites look for convenience aside from pure thrill. People go to casinos to have fun (for instance, in playing roulette and other gambling games) and not to suffer the inconvenience. It is just reasonable that players would want to experience confidence because they are expending money when playing. But it is quite difficult to see complete convenience at brick and mortar casinos, and a lot of these casinos don’t have the same services and facilities that casinos in Las Vegas have. Casinos are also so distributed across the nation that the one nearest your place can be hundreds of miles away. This is why many people would rather go online to see what online gambling has to offer. In many instances, online players find convenience in this mode of playing because the games are quite accessible. If you have a computer and fast internet speed, then your options for online gaming are endless.
Rich Experience and Thrill
The greatest advantage of land based casinos is not their accessibility but their realness, as there is no other way of telling this straight. No amount of computer generated simulation can fully imitate the realness of true casinos. When you are inside the real venue, you could be greeted by the sheer enthusiasm of the place that seems contagious. It changes your mood right away and gives you that sort of wonderful feeling. Moreover, you get to touch everything-the cards, roulette table, and buttons-and you get to see your opponents face to face-you can even shake hands with them. You can play slots and poker online but online casinos will never be able to duplicate the sheer experience in land based venues.
Security and Confidentiality
In both land based gambling and online gambling, there is an issue regarding safety and security. If you are unlucky, you can stumble upon a crazy gambling website with an unreliable banking option. Online casino sites can also be subject to network problems that can disrupt your playing or render your data vulnerable to hackers (in case when their firewall isn’t that good enough). In land based casinos, the real threat is the presence of notorious gamblers who display odd behavior.
Winning Likelihood
Online casinos should have a third party software to make certain of its even-handedness. It determines the trustworthiness of an online gambling site. Reputed sites give you the same chances of winning that you experience in land based gambling.
Customer Support Service
Customer support varies among different online casino sites. Some online casinos offer fine customer support, while others don’t even have reliable services. Customer relations are imperative for both online gambling and land based gambling venues.
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