Essential Money-Saving Travel Tips for Beginners

Any plans of taking a break after a few months of stressful work? Then, travelling out of town might be a good idea. To ensure that the hard-earned money will go far, here are some of the budget travel tips to keep in mind:

• Call the hotel first before booking it through the Internet. Though it’s convenient to make travel arrangements online, it doesn’t guarantee to give travellers the best possible deals. It’s recommended to call the hotel depending on the expected time of arrival and speak with a supervisor or manager on duty.

Ask if they can offer an affordable package during the stay. Normally, some hotels would give discounts to travellers who prefer rooms that aren’t as coveted as the others. And for those who are celebrating their birthdays or anniversaries, some hotels offer complimentary upgrades for a night.

• Compare prices of airline tickets. People will prefer to purchase tickets online than over the phone because it’s more convenient. However, it’s essential to make a comparison first by calling the airline and check if the ticket price is similar to what is displayed on the Internet. When purchasing tickets, it’s also recommended to consider the extra fees. Once all of this has been made, go for the one that offers a lower rate.

• Book everything alone. Third parties such as travel agents and booking websites offering services to arrange everything seldom work for free. Normally, there’s an equivalent fee that will go to them. Travellers will save more money by booking each and every element separately through contacting their preferred hotel and airline. By doing so, they will also have the option to contact other choices for price comparison.

• Ask for repositioning cruises or flights. Airlines and cruise lines usually reposition their trips from time to time. it’s cheaper than the traditional trips but also offers similar services to customers. One thing to note though, travel time for repositioned trips may take longer than the usual.

• Avoid travelling during peak seasons. As the number of tourists goes up, the travel cost also does. Though visiting a certain country during Christmas time is a perfect idea, travellers can save hundreds of dollars on flights and hotel accommodations if they can wait to visit once the season is over.

• Share a room with a friend. Stay at the hotel is another essential thing to consider on budget when travelling. There are hotels where room rates for a single person is also the same as the cost of rooms for two persons. Instead taking separate rooms for this situation, why not get a room for two? Aside from the saved money, this will also be a good time to spend bonding moments with a friend while on vacation. Forget about the loud snoring during bedtime though.

• Travel like the locals. As tourists, riding glitzy air-conditioned buses with movies on-board is a convenient option but often comes with a hefty price. Doing this might take away the money that should be spent on exploring other places around the area.

Travelling should not be expensive. All it takes is just the right preparation, timing and budgeting. By keeping all these budget travel tips in mind, everyone can have a wonderful vacation without shedding out too much money from their pockets.

Minimum Coverage Requirements For California Auto Insurance

California auto insurance is regulated by the State of California, and while it may similar insurance coverage in other states, there are likely to be some very noticeable differences, especially considering that California is a generally more expensive state to live in.

Like most states, there are three distinct areas of damage coverage that must be purchased for the California auto insurance coverage to be considered even minimal. Those 3 categories are Bodily Injury Liability per Person, Bodily Injury per Accident, and Property Damage Liability. The maximum amount of coverage that may be obtained is left up to the owner and insurance company to decide, but the laws fo California has set minimum liability coverage at the following amounts:

$15,000 – Bodily Injury Liability (each person)
$30,000 – Bodily Injury Liability (per accident)
$5,000 – Property Damage Liability (per accident)

What is Bodily Injury Coverage?

Bodily injury liability coverage is designed to pay the costs involved with injuries to other people in an accident, when you or your vehicle have been designated as the at-fault vehicle. The per person amount is the maximum that the insurance company will pay for each person injured, and the per accident limit is the most that the insurance company will pay, regardless of how many people are injured or the seriousness of those injuries. Any costs above these limits will be the responsibility of the insured party to pay.

What is Property Damage Liability Coverage?

Property Damage Liability covers the cost of damages caused by your vehicle if you are deemed to be at-fault. The damages can include anyone’s property, including mailboxes, trash cans, light poles, buildings, cars, and more. The per accident limit is the maximum the insurance company will cover, and can be applied to legal fees if there is any coverage available to do so.

How Much Coverage Is Enough?

The minimum coverages imposed by law for California auto insurance is the bare minimum allowed by law. For the best protection against damages, the best thing to do is increase your coverages to a higher limit. Increasing the coverage limits will entail higher insurance premiums, but if the coverage should be needed, the cost of premiums will seem slight when compared to the possible out-of-pocket costs that remain to be paid.

To get the most from your California auto insurance coverage without higher premiums, the best solution may be to adjust the policy deductibles. For California auto insurance, the lower the deductible of a policy, the higher the premiums will be, and vice versa. If you are willing to have a relatively high insurance deductible, the premiums, even with increased Liability coverage, can be kept manageable.

Southern California Auto Insurance – State Minimums and Recommended Extras

Southern California Auto Insurance: State Requirements & Recommended Options

A minimum amount of liability coverage is mandated by law in California. Here are the fundamental components:

1. Bodily Injury Liability or BIL (per person coverage) $15,000

2. Total Bodily Injury Liability (per accident coverage) $30,000 3. Property Damage Liability or PDL (non-medical expenses including damage to vehicles, telephone poles, road signs, etc.) $15,000 Although the Southern California auto insurance requirement is 15/30/15, vehicles valued at $40-50,000 and more are quite common these days. Imagine getting tangled up in an accident with a couple of prestige vehicles and it being your fault.

So, bump up your protection to a more adequate level…100/300/100 is what I recommend. It will only cost you a few bucks/year and in today’s litigious society, the added coverage could save you from the poor house.

Comprehensive & Collision Insurance

Usually “full” coverage means comprehensive plus collision coverage. However, as with other states, Southern California auto insurance law doesn’t require you to have either of these coverages. If you lease or finance a vehicle, you can count on the lender requiring comprehensive and collision, as a means of safeguarding their investment.

Collision insurance provides coverage for your car if involved in an accident…minus a predetermined deductible that will be paid by you. The purpose of collision insurance is two-fold; to cover the cost of repair to your damaged vehicle or, if “totaled”, to provide a cash settlement.

Comprehensive insurance covers damage to your car caused by fire, theft, vandalism, animal impacts and acts of God.

While some drivers don’t believe that an accident will ever happen to them, it is wise to follow the English idiom of Ben Franklin’s: “an ounce of prevention is worth a pound of cure.”

Comprehensive and collision coverage is advisable unless you are prepared to bear the entire the cost of repairs and/or total loss of your vehicle.

Car Insurance Payments

Most insurance companies give you the option of paying annually, bi-annually or monthly, but many of them charge a premium for bi-annual and monthly.

Insurance Categories

Insurance companies determine rates based on their assessment of just how “chancy” it is to insure you.

Age is a major factor. It is believed older is better because you have more driving experience. Hence, insurance charges go down.

At the risk of sounding sexist, gender is a factor as well. Plain and simple…men are involved in more and more serious accidents than women. Therefore, men end up paying more for car insurance.

7 Things to Know Before Visiting Cusco Peru Tours

Cusco is one of the tourist destinations that many Peruvians choose when to pack up and travel, but there is great uncertainty about whether the budget will reach to know one of the places that houses one of the seven modern wonders like Machu Picchu.

If you are visiting Machu Picchu, in Cusco, for the first time, you will experience some knew things and here are some tips that will improve your whole adventure in strange situations.

Choose the time: You must note that from April to October is the dry season with the cloudless sky. Since November, the clouds and rains that reach their peak in December through March.

Meeting hours: The Cusco Peru tourslasts a whole day. We will move out quickly as we can, to seize the day and avoid the crowds. Another thing you can do is go out in the evening and sleep in AguesClient’s, from there to Machu Picchu the next day morning. You can change Aguesclients’ to Ollantaytambo if you like.

Trekking: Some might want to get walking, but it is not an easy task. You can choose the Inca Trail, Salkantay Trekking to Machu Picchu and Coffee Route. Always accompanied by excellent guides and book your space with several months in advance.

Clothing and accessories: It is advisable to take only what is necessary. Water, a jacket for warmth, sunscreen, hat, insect repellent, and camera. Always have a rain jacket and windbreaker. Machu Picchu is jungle and warm, but the weather changes in minutes, and can rain, cloud and spend a little cold.

Lunch and drinks: It is advisable to get the food in the village of aguesclients before climbing to Machu Picchu. You can also bring your little taper.

You must ask the locals where they eat them, do not go where tourists eat or nearby restaurants to tourist sites, these are commercial, expensive and bad. Explore the markets, eat llama, and enjoy the best experience in a country as lovely as Peru.

About the currency

The currency used in the country is the Peruvian Nuevo Sol (three suns roughly equivalent to one dollar). There are many places where you can change money, for example switched smoothly on the same bus terminal in Tacna. It goes without saying that always look established places to spare potential problems.


You will not need any special vaccinations to enter the country. But keep in mind that if you visit Amazon regions, the Ministry of Health of Peru recommended the yellow fever vaccine. For example, if you go to the city of Iquitos, in full jungle Peru, it is better as a preventive measure you perform the vaccine.

Dudhwa National Park – A Treat for Nature Enthusiasts

Residing in the Lakhimpur and Kheri districts in Uttar Pradesh, the Dudhwa National Park is home to a large number of threatened animal species such as the Rhino and the tiger. This tiger reserve houses two beautiful sanctuaries – the Kishanpur and Katerniaghat Wildlife sanctuaries, where you can spot a large number of birds and animal species. Dudhwa is a magnificent wildlife park which offers its visitors excellent views of its lush greenery and beautiful terrains.

Dudhwa is one of the richest bio-reserves in India; the adjacent Indo-Gangetic plains are credited for the flourishing fauna and flora in this region. This wildlife Park spreads over a vast grassland and dense forest. Over 16 species of reptiles, 38 species of mammals and several species of birds are protected here.

Popular Activities in Dudhwa National Park
• Safaris – The Park offers Safari services for visitors, but you can also explore the place on your own by hiring a jeep or a mini bus.
• Jumbo rides – Elephant rides are a popular attraction at the park; the mahouts will be your tour guide, and they will give you a tour of the park on the majestic animal.
• Tharu Village Visit – Tharu is a small tribal community residing inside the Park. Meeting the tribal village is a great opportunity for outsiders to learn about a unique ethnicity and rich culture.

Best time to visit Dudhwa National Park
December to April is the perfect time to visit the park. Since Northern part of India follows the extreme climate pattern, the summers are going to be boiling, and the winters will be freezing. The park stays open from 15th November-15th June.

How to reach?
• Flight – Lucknow is the closest airport to the Park. You can hop on a taxi from the airport to get to the Park.
• Road – Dudhwa has an excellent road connection most of the major cities and States. There are plenty of State-owned as well as private bus services from neighbouring cities like Bareilly, Delhi, Lakhimpur, Kheri, and Shahjahanpur.
• Train – The nearest railway station to the park is nearly four km away. Other railway stations include Palia which is ten km away and Mailani which is 37kms away from the park.

Where to stay?
Accommodation is not an issue in Dudhwa because visitors have plenty of Dudhwa forest resorts to choose from. Apart from the resorts, you can also find forest lodges, dormitory or forest huts to stay. The Dudhwa forest resorts ensure luxurious comfort so that visitors can experience nature with ease. Camping in Dudhwa National Park is a haven for nature-lovers. If you love wildlife, then you will love the Dudhwa National Park.

California Auto Insurance – The Complete Lowdown

How many times each week do you get in your car? Twenty? Thirty? Or maybe you’re driving to work and to run errands, and you’re shuttling your kids from activity to activity. Forty times? Fifty? With gas costs rising, you’re probably paying more attention to your driving habits. But how long has it been since you thought about your car insurance?

Every state in the United States requires that licensed drivers carry auto insurance, and California is no difference. California auto insurance laws are similar to laws in other states. The minimum level of auto insurance in CA is called “liability insurance.”

Liability auto insurance in CA must meet the following statutory minimum limits: it must cover bodily injury of one person in one accident up to $15,000; it must cover bodily injury of every person in one accident up to $30,000; and it must cover property damage up to $5,000 for any one accident. It is crucial to note that this is the absolute minimum level of coverage – and that it is required by law.

Every driver must carry proof of insurance at all times. This is done for your safety and for the safety of others. It ensures that, in the event of an accident, both parties will be able to trade accurate information and resolve the situation as quickly as possible.

California requires that you carry proof of auto insurance. Failing to have this available so can cause significant problems. Without proof of proper CA auto insurance, you can not register a new vehicle or even renew an existing one. Also, if you are caught without the necessary proof, either by the Department of Motor Vehicles or a police officer, then your registration may be suspended until you are able to provide proof. Losing the right to drive until you resolve this can really be a hardship.

You know now how important it is to have auto insurance in CA. Minimum liability coverage might sound like a lot of money, but many insurance companies currently offer minimum coverage at affordable rates. If you do a little bit of research, you can get insured for a reasonable price – and if you have a good driving record, that price will go down. Ultimately, it’s much safer, and much cheaper, to abide by the law and get car insurance. If you get in an accident, you’ll save money, and if you drive safely, you’ll be a law-abiding citizen.

What to Look For When Shopping For California Auto Insurance

The first thing that you should know when shopping for California car insurance is what types of coverage you will want and need for you policy.

State law regulates the amount of car insurance that you are required to have and it varies from state to state. You will need to know the minimum requirements that you must meet with you policy and then from there decide if you want to have more coverage than just the minimum required.

The California state minimum requirements are as follows:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability

Bodily injury liability covers the expenses of people hurt in an accident where you are at fault. Property damage liability covers the damages to the other vehicle when you are at fault in an accident.

This may or may not be an adequate amount of coverage for you. If your car is being financed than the lender may require you to have comprehensive coverage and collision coverage. Collision covers damages to your car and comprehensive covers non accident related damages to your car such as fire, theft or vandalism.

Make sure that you at least have the minimum California state requirements when purchasing an auto insurance policy.

When shopping for an auto insurance policy you should also know the top insurance providers in your area. You will want to buy a policy from a well known, reputable company.