Going to Southeast Asia? Keep This in Mind!

February 21, 2023 Category :Telemarketing Off

Whether you’re a budget traveler, going on a family holiday or taking a romantic getaway Asia has something amazing in store for you! Asia’s reputation as a tourist hotspot just keeps growing and growing and there is no end in sight. Asia offers everything from lush jungles to bustling cities to culture-rich towns and festivals.

If a trip to Asia is next on your list there are a few suggestions and precautions to keep in mind. Asia is pretty harmless, on the whole, and generally speaking, the people are more than kind and generous. However, because Tourism has become one of the country’s primary sources of income, a lot of attention has turned to serving tourists.

The people who appear to want to help you with your bags: Although it may seem like these people friendly and helpful (and they are), most of the time these helpers are usually hoping for money in return, or they are hoping to get your patronage in their tuk tuk, taxi or hotel.

The people who offer to show you to a great hotel: Sometimes, if these people have recent photos of the location, it is worth having a look. But generally it is best to stick the hotel that you have already researched, if you are happy with that choice. These people are given commission for bringing patrons to a certain hotel, and taking “a look” at their hotel may result in a bit of needless frustration, as a lot of sales people can be very persistent.

The locks on the doors: There are an abundance of hotels or hostels, which are clean and comfortable, for the right price. However, it is important to take notice of the locks on your hotel room door. A lot of the time it is just a simple push-button lock or a slide lock that isn’t quite secured to the door properly. It doesn’t necessarily mean that the hotel owners or workers are hoping to break in, but it certainly will not stop anybody else from breaking in. A lot of hotels or hostels give you the option to use your own padlock on the outside of the door. So bring your own padlock as a backup security measure.

When renting a motorbike….or anything, for that matter: When renting anything make sure you have a good thorough look at it and try it out before leaving the shop. Make sure everything is working properly and if not, make the renter aware of any dents, holes, etc. If you don’t there is a slight chance that the renter may try to blame you for the problem and charge you. If you rent a bicycle rent a lock as well, because just as in any country, there is a chance it’ll be stolen. (Possibly by the renter, so he can profit from you repaying him for the bike that he is hiding out back!)

There isn’t a lot of violence towards tourists in Asia, although things have been reported here and there. Generally speaking, Asia is friendly, generous and very safe for all ages and ethnicities. In my five months there, I never felt threatened or intimidated. You just need to be alert and aware of your surroundings, but what’s new?

Things to Do on Holiday in Scotland

January 20, 2023 Category :Industrial Goods & Services| Mental Health Off

Scotland is a great country for a family holiday staying in a self catering holiday cottage. There’s a lot to do while holidaying in Scotland with the Edinburgh Christmas Market a popular tourist destination. Many tourists like to visit during Christmas and the New Year and try to take part in the famous New Year’s Eve celebrations.

Glencoe is famous throughout the world and many families try to visit this marvellous place when on vacation to Scotland. It has stunning scenery and the views from Glencoe are regarded as some of the best in Scotland. Many holiday makers rent a holiday cottage near Glencoe and are enchanted by its peace and tranquility.

To get to Glencoe you must travel along the A82 and many holiday makers are amazed by the stunning scenery as they drive along this road. It has superb woodlands and small streams winding their way down this picturesque mountain side.The area is particularly popular with climbers and walkers who can spend their holidays exploring the maze of climbs and walks in this area.

Many popular climbs and walks include Aonach Eagach, Curved Ridge on Buachaille and Bidean nam Bian. Many holiday makers rent holiday cottages when staying in this area of Scotland and use them as a base to explore the beautiful countryside.

Aberdeen is referred to as the Granite City. It provides a great scope for shopping, night life, and sightseeing. One of the most popular attractions of Aberdeen is the Winter Gardens and Duthie Park. This park is located on the Banks of River Dee and many couples come to the city for romantic weekend breaks and take a stroll along the banks of the river.

The Winter Gardens is a home to beautiful glass houses and amazing plants. The city centre of Aberdeen contains the Union Street, with hundreds of shops and two shopping centres. Aberdeen has some of the most famous art galleries and museums in the world. Some of them are Provost Skene’s House, Tolbooth, Aberdeen maritime Museum, and the Aberdeen art gallery. It is also one of the major seaports of Europe.

Aberdeen is also home to Robert Gordon’s and Aberdeen University. It has a popular football team that is well loved by the locals. The city is also a popular holiday destination for short breaks and long weekend stays with many couples staying in self catering holiday apartments.

Edinburgh is the capital of Scotland and is regarded as the party capital of Europe. Some of the best parties occur during Hogmanay on New Year’s Eve and the worl famous International festival in August. Some of the most popular tourist attractions in Edinburgh are Edinburgh Castle, the Scotch Whisky Heritage Centre, the Writers Museum, the National library of Scotland and the Royal Museum.

The new Scottish Parliament and Palace of Holyrood lie at the base of the Royal Mile. Edinburgh also contains The Royal Botanic Gardens. The Royal Yacht Britannia is also moored in the city is a very popular tourist attraction. Edinburgh is a great place for weekend breaks and there are some great holiday apartments to rent.

Scotland is one of the best places in Europe to take a relaxing holiday staying in a self catering holiday cottage. It has great scenery, warm generous people and superb food and whisky making it an ideal place to take a family holiday staying in a holiday home rental.

Japan Travel – Rotary Group Study Exchange Goes to Japan, Article Four

January 14, 2023 Category :Automobiles & Motorcycles| Beauty and Cosmetics Off

The international organization known as Rotary promotes yearly travel that all people between the ages of 26 and 40, male and female, and of all backgrounds – should know about – because it is a Rotary-funded six week study aboard and anyone can apply to be a part of this significant life experience. If you are this age group – you could enjoy the kind of experience that is described in my notes in this article. To find out more about the program go to Rotary.org and search for GSE – Group Study Exchange – and contact your local Rotary Club for more information.

Our adventures continued:

April 17th – Sunday:

My GSE team is doing very well in Japan – they are generous and appreciative. I talk to them about “making it up as we go along (same guideline in my Rotary Club) – and just being gracious with all that they do. The hospitality of our hosts has been so enormous that when there is a glitch I invite them to go on to the next thing. There is good spirit in the team – and Get This: They are blown away by this experience from Rotary.

The Rotary District convention opened today with a big assembly in the convention hall. It started with a blessing by three monks, and many spoke in Japanese, including the Governor. When the RI Representative spoke, Mika translated for me. I liked that he said that we are all in Rotary school (for 12 years) – and that the most important thing was a connection of hearts – that this would do more than anything to solve the world’s problems. He said that membership in Rotary has declined by 15% in Japan, is up 30% in Korea – and that more Rotary is needed in Russia and China. The audience was 95% men – so of course I’m thinking that a few women in Rotary here could help their membership – since I’ve only met two Rotarian women so far. But then again, we could invite more Japanese in our District to increase membership.

This time we wear our “happi kimonos” and are seated near the stage – with the outbound Japanese team in front of us. We were invited to the big stage – my team on the right of me and the team leader and Japanese team on the left. Izumi introduced us briefly – and then I spoke – saying that we were bringing greetings from our Rotary District Governor, thanking all and giving the example that I am a past president of my Club. We all took hands – Japanese and American teams, and bowed for the audience. It was touching – and I did OK speaking my limited Japanese in public.

We had lunch with the Japanese team – and time to meet them individually. They are four men and one woman as follows: Kenji Ogawa (Rotary team leader and specialist in wine), Akihiro Kuroki (one of the top three wine stewards in Japan!), Tamaki Oi (works for an environmental company, also a student of wine), Toshihiro Terada (systems engineer), Masayoshi Nagamatsu (civil engineer) and Nobuyuki Tanaka (staff writer, city news section). I think that we should call the return team the Group Study Wine Exchange – because their prime interest of study in America is wine – and they would like to see Ridge, Bonnie Dune, Silver Mountain and more. I asked them each what they wanted to see and do in America – and it was all about wine.

Our team headed back to the big house where I am staying – and thank you Antonio! – for getting the info out on our website about our trip – I can just see Roy smiling back home.

5PM rolled around and we gathered in the Hotel Ohana lobby for the evening festivities. After a short cab ride, we were at the dock on the Canal – with beautiful Venice-type boats and men with long sticks to maneuver them – it was so picturesque in the sparkling sunshine. We were about to board – but first they loaded dinner, and much to drink – I’m beginning to like this champagne! The boats were one against another, and perhaps 20 – and there were other locations where people where boarding. We took off our shoes, and both the American and Japanese GSE teams sat Japanese style in the boat – with Izumi, Mika and Hiroshi joining us. “Chi” – a toast of champagne – the excitement of others settling into their boats – flowers along the canal – a beautiful arched bridge – bento boxes opening – Rotary spirit – Mr. and Mrs. Tachibana and the other Governors settling in – the light changing – it doesn’t get more beautiful. Monica was so swept away by it all that she was close to tears – and said that it was the best time that she knew. The boats started to be steered away, one after another, with the men and the big sticks. It was fun to see the smiles go by – as a parade was formed down the canal. The Japanese do things in such a lovely manner – instead of taking a direct shot in the American way. The boats eased through the waters, past generously flowering trees and the banks – Japanese flower gardens – and pulled up so that each boat was previewed. Lots of faces were becoming familiar now. We glided under small and tight bridges – around the bends – and then past a myriad of musical venues. On the canal were Tyco drummers, a women’s choir, kids with string instruments, a group with the traditional Japanese long flat guitar-like instruments, and many more – making beautiful sounds on the canal. We went under a big sign for Rotary’s 100 years – and a tent of paper dolls that others had made asking for good weather for the conference – and their wish was granted. The boats circled around the last musical venue, a big stage on the canal, with a full band. We were all surprised in our boat because we glided through the line of boats and were headed toward the stage. Like playful kids, we scurried out of the boat (all of us) – and were escorted to the stage – to dance and wave to the many boats in the canal. We’ve been honored as the GSE team, mentioned often, and enjoyed by the Japanese Rotarians. It was beautiful to see all the lanterns on the boats in the dark and feel the fun. Back in our boat, we were at the front of the line (well taken care of as usual) – and a magnificent display of fireworks was set off in front of us. The Japanese fireworks were lower to the ground on structures that they had built. Mr. Tachibana, the RI Representative and I stood in the middle of the bridge, with others, and waved to each boat as it went through with “konnichiwa” and “arigato”.

You might think that the evening was over – but oh, no. The team (now a bit high with the drink and play) – walked down the canal and a Japanese theater was set on the side with the mimes and Japanese masks. The boats continued to cruz by to their finish. I stood at the hotel entrance to see that my team was all off to their respective host families – and turned to go when Chizuka invited me for more drinks – more?. She lead me down the opposite hall of the hotel (one was American style) – and the other where we were going was Japanese style. As we entered the Japanese style room with twelve or so tables full of people, and more food, I was seated next to the Buddhist Monk, Kyoin Fujikawa – also a past Governor and RI Training Leader. This was clearly the after-party celebration and just as festive. Looking around the room there was an altar wall, and many many balls that hung in rows from the ceiling (lots of red and gold color). Mr. Tachibana got up to speak, as did others, and I was asked to speak also. Kyoin, the monk, was the only one who spoke English and translated for me -and although I did not get an answer to my question, I was dying to know how one went from being a Buddhist Monk to being as important as he seemed to be in Rotary. As I spoke, I picked up on the Governor’s theme that we need to connect world-wide with our hearts – and when you don’t speak the language you are much more aware of that. We communicate with our hearts, our expression and our laughter. All good.

How to Find Unclaimed Money in These Economic Times

December 3, 2022 Category :Electronics and Electrical| Generals Off

The real story right now is that there’s a global economic crisis going on. Here in the U.S. many CEO’s and large corporations are receiving million and billion dollar bailouts from the U.S government. At least that’s what the news says.

But here’s the problem. A lot of the common people aren’t receiving bailouts. The government is not sending million dollar checks to our homes – at least not mine yet.

Since the government is not bailing you out, you need to have your own government bailout plan. Here are 7 Ways to Find Unclaimed Money!

1. Check Unclaimed Money Databases Online

With more than $400 billion in unclaimed funds in the United States, it just may be worth taking some time to check a few online databases to see if your family members have any unclaimed money. Here are two databases you can look at right away:

-MissingMoney dot com
-UnclaimedFunds dot org

Some sites online have a fee, but looking into this could be well worth it.

2. Check for Property Tax Overpayments

One of the interesting things about property taxes is that they are not always exact. I heard of a friend whose father had a received a notification from his mortgage company that he had overpaid his property taxes and was due a refund. After they checked the county web site they found out this was completely true because the county was holding his money. After filling out a few government forms he was able to receive a $3000 check for the overpayment. So our suggestion is to check your county office for any overpayments and collect your unclaimed money.

3. Have your Federal and State Taxes Reviewed

According to a study in Money magazine, most people are paying 25% too much in income taxes. There are a number of companies that will review your returns for the past 3 years for free. However, the catch is that they will work on a commission basis, allowing them to keep a portion of whatever overpayment they identify. But the way I see it, the money was already “lost” or unclaimed money, so anything I get back from one of these reviews is more than I had before.

4. Maintain a Good Credit Score

One of the issues many people aren’t aware of is the value a good credit score. It not only affects the interest rate you can borrow money, but it also affects your potential employment with certain companies. They look upon your credit score as a benchmark for integrity. So it becomes especially important to make your payments on time and keep your credit score as high as possible.

5. Set High Deductibles On All of Your Insurance Products

One of the characteristics of certain kinds of insurance (such as car insurance) is the deductible. It’s the money YOU must pay before you receive any insurance dollars for a claim. To help lower your premiums, increase the size of your deductible. To make this work more in your favor, it would be a good idea to have good cash reserve on hand.

6. Drop Your Credit Life Insurance

When you take out a loan to purchase a car, many times you are “strongly encouraged” to buy credit life and/or disability insurance connected to the loan. My advice on both of this options is “Just Say No!”

Credit life is a very expensive form of life insurance that is paid upfront for the life of the loan. It’s purpose is to pay off the loan just in case something happens to you. But it is way too expensive. There are other options. The same is true for disability insurance.

You can get better rates by owning your own term life insurance and a long-term disability policy. These cost less and provide better protection.

7. Give Generously

Giving is one of the most powerful aspects of any financial plan. It actually is the key to receiving more. Be free to reach out to loved ones and the people you care about. Give to a church or organization or charity. By giving generously you activate the law of reciprocity. Or in more common terms, whatsoever you sow, that shall you also reap.