Annual Travel Insurance – Things to Consider Before Arranging Coverage

If you think annual travel insurance is a waste of money, think again. Nowadays, most of the people in the UK have been travelling for a lot of times, inside and outside of Europe. Yet, despite this kind of frequency in travelling, some people still have to bother about searching for the cheapest travel coverage that they could get each and every time that they are looking forward to a new trip. The aim of looking around and comparing prices of travel insurance in order to find the cheapest one seems pretty obvious – to save money. This kind of move is the most convenient one to take but only to certain types of travelers and not to every kind of traveler. Getting one travel insurance for one trip would work best only for those who travel for about once a year, in which those travel were already planned in detail ahead of time. However, for those who have a lot of travelling to do which could also be spontaneous for most of time, doing such isn’t good for them; they should afford to get an annual travel insurance. The frequency of your travels is the first thing that you have to consider before you arrange for a travel insurance policy.Annual travel insurance can also be referred to as annual travel cover, yearly holiday insurance, annual trip insurance, and annual multi-trip. This kind of policy is very well suited for individuals, couples, and families, who do a lot of travelling throughout the year. By getting this kind of insurance, one can be assured that he can travel in and out of Europe for the next 12 months without bothering about getting a new insurance policy each time he travels. Usually, insurance policies of this kind have travel coverage of even up to 120 days. The next thing to consider is the age. People of age 66 to 70 have a maximum of 60 days, and those with age 71 to 74 (the maximum age that can be covered) has coverage of about 31 days at most. In this kind of insurance policy, you can choose a variety of items which can be covered by your insurance. These could include a cover for any hazardous activities, cover for baggage and other personal belongings, cover for your golfing activities, excess waivers, and even an unexpected cancellation of events that you were supposed to attend. When it comes to duration, there is also an even wider policy than that of annual travel insurance: comprehensive travel insurance. If you happen to be continuously travelling outside the UK for up to 15 months at a time, then this type of travel insurance is best for you. You could even extend this policy for even up to 18 months when you subject it to no claims on medical problems. This could also have the same options as that of an annual trip insurance policy.So if you have already considered those things, it is now perhaps the time to get an annual travel insurance if you think it’s best suited for you.

Which Shui is the Right Shui? Use Travel Feng Shui to Make Your Trip a Success

When traveling, whether for business or for pleasure, you can still enjoy the benefits of feng shui. You might have even noticed that you enjoy your travel more (or less) when you travel to certain places that are in one direction. Maybe you find that you enjoy travel equally well, but more so to some places than others. For some, Asia might hold greater attraction, and for others, it might be Europe. Here are some ideas to enhance your travel feng shui — including how to tell which is the right “shui” for you!Determining Feng Shui Travel DirectionsUnlike sitting and sleeping directions, determining travel feng shui directions that are auspicious or inauspicious is based on where you are traveling from, rather than where you are traveling to. Say for instance that you are an east group person living in Dallas and you are traveling to Los Angeles. You would say that looking from Los Angeles you will be coming from the east. This is a good direction for an east-group person, but not for a west group person.Ideally, East group people want to travel from the EAST and West group people want to travel from the WEST. (Are you an east or west person? East people have kua numbers 1, 3, 4, & 9. West group people have kua numbers 5, 2, 6, 7, & 8). Find out your kua number here.When Feng Shui Directions MatterFeng Shui travel matters most when you are moving to a new residence, state, or country. It also matters when traveling as a family and you are from different groups. In this case, the east group person travels first. It also is a consideration when you are traveling for work. When you travel as a family, the children would fly or travel according to the mother’s good directions, if possible.In the case of the west group person flying to Los Angeles, some practitioners recommend making detours, such as flying from Dallas to Miami and then to Los Angeles for the west group person. However, this just isn’t practical. Instead, concentrate on facing your good directions in meetings, etc., once you have arrived at your destination. If a detour is possible, such as when you are driving somewhere, then take it if you can.The following are “rituals” that you may want to try the next time you are traveling. These are part of symbolic feng shui and are not rituals that conflict with religious beliefs. The rituals are designed to correspond to the elements of the particular direction you are traveling in.Pleasure Travel Going TOWARD the following directionsFor travel to the South: Drink one glass of water or wash your hands before leaving the house.For travel to the SW or NE: Swipe the air with a branch from a tree or bush in the direction of travel. Do this three times.For travel in the W or NW: Light a candle (red is best) or some incense, pointing them in the direction of your travel.For travel in the E or SE: Ring a bell six or seven times in the direction you are traveling just before you leave.For travel in the N: Put dirt in a small cup and throw it in the direction of north. You can also point a quartz crystal in this direction.Business Travel Rituals for Going TOWARD the following directions For travel to the South: Wave a branch with leaves and that has been tied with red thread in the air three times before starting out. This is to ensure good travel luck and good business relations.For travel to the SW or NE: Light a candle or some incense and hold it up in the direction you are heading as you are packing and about to leave.For travel in the W or NW: Throw dirt or sand in the direction of travel as you leave the house.For travel in the E or SE: Throw water in these directions as you leave the house.For travel in the N: Ring a bell three times as you are leaving. Ring it in the north direction.Protective Travel Rituals for Going Toward the following directionsSometimes even the best-planned trip goes awry. For that reason, you may wish to employ a protective ritual when you travel to help safeguard you are your family and to help remove problems and keep them from occurring while you are on your journey.For travel to the South: Throw water in the south direction three times.For travel to the E: Wave a knife in the air three times.For travel in the W: Light three pieces of incense or candles while you are packing.For travel in the N: Throw earth or sand in the direction you will be traveling.

Small Business Marketing – 20 Low Cost Marketing Ideas to Grab You More Clients

It’s time to get fruity with some great small business marketing ideas that will help you explode your clients (not literally!). As a small business, marketing can sometimes be daunting, but take these 20 ideas and implement one idea every day. Put a tick list on your desk and take massive action.1. Brand your Business Clearly. Make sure your business name or logo clearly identifies the ultimate benefit of what you are offering, in a way which will appeal to your market; keep it simple, short and memorable. A store called “Gifts for Garden-lovers” or “Green-finger Gifts” is precise and clear; one called “Smith’s Store” or “Universal Wonder” gives no clue.2. Be Seen in All the Right Places. Think about where your target customers go and try to arrange to advertise by displaying leaflets or posters there. For the youth market, use Twitter, Facebook, YouTube or other online resources. For adults and young families it might be the local supermarket, the library, the gym, or the “mother and toddler” group. For the senior market, target locations your potential customers visit such as libraries, doctors’ and dentists’ waiting rooms, church halls, community centres etc. or advertise in the local paper or free-sheet, perhaps with a promotional discount voucher.3. Give Your Knowledge Away. What you know about your business and your industry is interesting and potentially valuable to others. Without giving away any really sensitive information, offer to speak at schools and colleges, women’s groups or business clubs on a topic related to your business; write for the local paper or speak on the local radio and you will gain valuable exposure. Make your website as informative as possible. Tell potential customers exactly how you will help their business, or benefit them personally. If you can, reveal a few “tricks of the trade” to help them make best use of what you sell. Very few people will actually steal your knowledge to set up for themselves, but many of your customers will feel gratified that you are willing to be open and honest with them.4. Word of Mouth. This can be a very valuable marketing tool – and is absolutely free! Make sure all your customers leave you 100% happy and satisfied with the service you have provided to them, and they will become ambassadors for your business.5. Investigate the Competition. Use a friend or a paid “Mystery Shopper” to call on other businesses in your area to see how they operate. Get hold of their advertising literature and compare their offering with yours. Check out their websites. What can you do to make your business stand out?6. Offer Discounts. Produce Discount Vouchers to be used at your store or business (perhaps on certain slower moving products, or on certain days when your trade is usually slack). Add an expiry date to generate a sense of urgency. You could include a discount voucher in your advertising, hand them to each customer, or mail them to previous clients.7. Give-Aways. Hand out free samples in your local high street; give customers a small free product with each purchase over a certain value; or have “3 for 2” offers or “Buy -1-Get-1-Free” promotions.8. Linked Purchases. Offer a deal where customers who buy product A get product B at a reduced price. This can encourage customers to buy two products, when they would otherwise only have bought one.9. Loyalty or Reward Schemes. Issue a card to be stamped each time the customer buys, with a full card entitling the customer to a free product, or a discount on their next purchase (but make sure the cards and stamps are kept under control, or you could end up with an unexpected rush of claims!)10. Competitions. Run a competition and choose an exciting prize from your range of products or services, which will not cost you a great deal but which will be very appealing to your potential customers. Advertise the competition widely in the locality, send a press release about it to the local press and radio and, if appropriate, make sure people have to call at your business in order to enter – which gives you a chance to promote your business to them in person. Invite the local press to be present when the prize is awarded, to get some more free publicity.11. Open House. Host an open evening at your premises. Invite both potential and regular customers for drinks and nibbles and a chance to see/test your latest products, with a discount for purchases or orders placed on the night.12. Join an Online Booking Service. If you run a hospitality business (hotel, bar, pub, cafĂ© or coffee shop) consider joining one of the online booking services, such as Top Table, or Gourmet Society. This will bring you to the attention of travellers from other areas who might not otherwise find you, and you can also offer special deals through some sites. This can be a two-edged sword, of course, as the site will probably also carry reviews by your customers – but if you offer high-quality service and excellent food and drink, good reviews will boost your reputation.13. Carry Out a Survey. Have a supply of small cards by the till as each customer completes their transaction with you, asking the customer to complete a short survey on their experience with your business, and to fill in their details (especially email address). Offer a small monthly prize as an incentive. This will not only give you valuable feedback on your success (or otherwise), but you will build up a database of email addresses, which you can use for promotional emails, newsletters etc. For ideas on how to use these, click on.14. Collect Business Cards. Copy those city centre restaurants and have a large glass bowl by the cash desk, to collect business cards (or hand-written contact details slips) from customers, with a monthly draw for, say, a free bottle of wine or champagne – this is another way of building a database for future marketing activities.15. New Image Party. When you re-decorate your premises, hold a “New Image” party, inviting local press, radio, community dignitaries, neighbours, the general public and previous customers from your database, to show off your new premises, and launch new products or services.16. Professional Brochure or Leaflet. With desktop publishing software available on every PC and laptop, there is no excuse for unprofessional looking publicity material. Have a nit-picking friend read through any leaflet/flyer/poster you propose to use, to check for grammatical, punctuation and spelling mistakes.17. Error-free Website. The same applies to your website – your professionalism is in doubt right away if your website is riddled with typing errors, misplaced apostrophes, poor punctuation and grammatical mistakes. Don’t assume your website designer will correct your text – he or she is an expert in computers not grammar. If you can’t afford a proofreader, ask a fussy friend or relation to check it for you.18. Superior Telephone Service. Is your telephone system as good as it could be? During working hours, make sure every call is answered within 3 rings and that the greeting you give is friendly and personal. Ensure that the person who answers your calls is trained to deal with the majority of customers’ questions themselves. After hours or at busy times, make sure your answerphone message is professional, helpful, and proactive. Not just “please leave a message” but “we are so sorry that no-one is able to help you right away, but we promise to call you back by 9:30am tomorrow if you would be kind enough to leave your number” or something similar. And make certain you always deliver on that promise.19. Community Visibility. Join fellow Business people at the local Chamber of Commerce, Business Clubs, Rotary Club, Round Table etc. Get involved in local charity events, so you gain a positive reputation for contributing to the community.20. Get Involved in Local Events and Activities. If there is a community event in your town, make sure you are there to publicise your business – maybe you can have small samples to give away, or hand out a voucher for a discount at your business. If there is a local charity event, take part yourself (or sponsor someone else to do so) carrying/wearing your business name.I really hope you enjoyed those 20 tips. Just one that works should help you to explode your profits!