Cultural Appropriation of White Sage in the Outdoors

On August 22, we shared a video that included burning sage as an insect...

Sonnenalp Vail, a Domestic Mountain Getaway

Be safe, make reservations and be patient; three tips for making the most of...

hiking – View from the top of mountain Skierfe...

1.1m members in the hiking community. The hikers' subreddit. Source

Cruise Line Offering Free First Class Airfare and Suite...

Regent Seven Seas Cruises, one of the world's leading luxury cruise lines, is offering...

Post Circuit-Breaker Syndrome – The Rise of ‘Solo-cations’ –...

Travel tips, itineraries, city guides and blogger travel diaries. Celebrating the beautiful experience of...

Hello, I am Harold Tony Raymond

I'm 35-year-old personal trainer who enjoys traveling, camping, cookery and painting. I am energetic and friendly, but can also be very dull and a bit boring at times though.

In this blog, I am commited to deliver the great collections of blog post from around the world that's about traveling. I read a lot and I love to share what I read and hope it will definitely help you who are planning your next holiday. Check back often as I am kind of updating it everyday.

Cheers...

Top Destinations

Africa

Discover the home of the Elephant

Asia

Reconnect with your soul

Europe

Best cities and beaches combined

America

Thousands of islands await

Must Read

The essential role of vultures in our ecosystem

These misunderstood birds fly in from huge distances to pick decaying carcasses clean, thereby...

Abu Dhabi tourist ‘safe zone’ may be used as...

Abu Dhabi's cruise season kicks off in December, when both MSC Cruises and AIDA...

Sudan: Who Can Protect Sudan’s Historical Sites From These...

Opinion - Not many days have elapsed after the Soba East historical site, the...

Discover

Bangkok Day-Trip — 8 Things to do on the...

This article is contributed by the team at AroiMakMak.com — a one-stop platform for...

Cinereous vulture reintroduction a step closer in Rhodope Mountains

A positive site survey means the reintroduction of cinereous vultures in the Rhodope Mountains...

7 MOST AMAZING THINGS TO TRY AT ONIRU PRIVATE...

Oniru Private Beach is one of the popular island hotspots in Lagos. It entertains tens...

9 Great Things to Do in Kuala Lumpur in...

Looking for some creative things to do in Kuala Lumpur (KL)? Kuala Lumpur is...

AK Monthly Recap: July 2020

I spent this month in Serbia but ended up in Croatia -- where it...

​6 Breathtaking Photos of the Night Sky

Adventure travel and tours by G Adventures. Unforgettable small-group travel experiences in the world's...

Popular Categories

Subscribe to my newsletter!

Make this choice and from now on, you will forever be a part of every single adventure I take!

Let's Stay in Touch

Bucketlist Experiences

Cruise Line CEO Says “The Cruise Industry is Close...

Major cruise lines want to begin cruising again in the United States and the...

Royal Caribbean Post Round-Up: September 6, 2020

Happy weekend! It has been a busy week of Royal Caribbean news and events,...

9 Trendy Staycation Deals Under S$99/pax — STB Approved...

Say hello to staycay season! Here are 9 Singapore staycation ideas for the perfect...

Latest Stories

A getaway to the wine region of Prince Edward...

For those who enjoy the finer things in life… Source

Laos with Kids: My Detailed Guide [2020]

Traveling Laos with children can be both rewarding and challenging, but its merits outweigh...

Cruise Line Offering Free First Class Airfare and Suite...

Regent Seven Seas Cruises, one of the world's leading luxury cruise lines, is offering...

Favourite destinations, favourite dishes

Cooking is its own form of travel, transporting us to our favourite destinations via...

Why Kazakhstan should be your next destination

Adventure travel and tours by G Adventures. Unforgettable small-group travel experiences in the world's...

The Ultimate Koh Lipe Guide (2020 Update)

Koh Lipe island offers pristine white beaches, palm tree forests and crystal clear waters...

ALL OTHER NEWS & ARTICLES

Learn How To Use Coupons: Never Pay Retail Again!

If you’ve ever been grocery shopping, then you know how valuable coupons can be. Coupons are a shopper’s best friend, as they help shoppers save money on purchases. If you are interested in saving more money while you shop, then check out the useful coupon tips in the following article.

Using coupons to save money on your grocery bills is a great idea and every Sunday in the newspaper there are lots of them. Sometimes if there are a lot of coupons for items you use frequently, you may want to purchase an additional Sunday paper for the extra coupons.

Organize your coupons in a way that makes sense to you. Maybe you want to keep all the coupons for baby things together, and you want to keep all the food coupons together. You might even decide to sort them by brand. However you organize them, make sure you can remember what you’ve done.

Keep your coupons organized. If you are using a lot of coupons, it is important that you keep track of them. File them by the type of product they are for and how much they can save you. Be sure to keep an eye on any coupons that could be expiring soon.


Before you continue, please visit our partner’s website – http://bizsquare.com.sg/ to discover more about Bizsquare Management Consultants Pte Ltd – Branding and Marketing Consultant in Singapore

When you are cutting coupons you should make sure you have a filing system that is labeled for each different grocery department. This will make it easier to find your coupons when you are planning a big shopping trip once per week. You will save a lot of time by doing this.

You don’t have to waste costly color ink printing coupons on your home printer. If you have an inkjet printer, you can set your preferences to print in black and white or simply remove the color cartridge. This way, everything will print in black and white. Retail establishments will still accept these non-colored coupons.

As you can now see, using coupons can help you save a lot of money. That’s money you’ll have to spend on something else. Apply what you’ve just learned here, and soon your monthly budget will not be so tight. And who doesn’t want more room in their budget?

Emergency Cash Via A Payday Lending Service

Did something come up that you must pay for before your next paycheck? Have you heard of payday loans but don’t know much about them? Read the tips in this guide to get the right information in order to make a good decision on whether to get one or not.

When considering a payday loan, although it can be tempting be sure not to borrow more than you can afford to pay back. For example, if they allow you to borrow $1000 and place your car as collateral, but you only need $200, borrowing too much can lead to the loss of your car if you are unable to repay the entire loan.

When looking for a payday loan vender, investigate whether or not they are a direct lender or an indirect lender. Direct lenders are loaning you their own capitol, whereas an indirect lender is serving as a middleman. The service is probably just as good, but an indirect lender has to get their cut too. This means you pay a higher interest rate.

If you feel you have been taken advantage of by a payday loan company, report it immediately to your state government. If you delay, you could be hurting your chances for any sort of recompense. As well, there are many people out there like you that need real help. Your reporting of these poor companies can keep others from having similar situations.

Make sure to do your research before choosing a lender. There are a lot of con artist lenders who will promise you a loan, but only steal your banking information. Look up reviews on various lenders from people who have used them in the past.

Be very careful rolling over any kind of payday loan. Often, people think that they will pay on the following pay period, but their loan ends up getting larger and larger until they are left with almost no money coming in from their paycheck. They are caught in a cycle where they cannot pay it back.

It’s definitely difficult to make smart choices when in debt, but it’s still important to know about payday lending. It is hoped this article provides some answers for you, and now you can decide if getting a payday loan will be the best decision for you. You need to be smart and make wise decisions to dig yourself out of money issues.

You Don’t Need To Be An Expert To Start Your Retirement Planning. Use This Advice!

Your retirement should be a time of fun and excitement. You should have the time to pursue personal passions, travel, socialize and spend time with the grandkids. It’s not a time to fret over money. Use the ideas and tips that follow in this article in both creating your retirement and enjoying it.

Contribute as much money as possible to your 401k retirement plan. This plan is set aside to give you the most amount of money when you are no longer working. Talk with your employer and see the amount that they can match and max this out every paycheck that you have.

If your employer has a retirement plan, then work with it as much as you can. If you ever have the money to spare, then stick it in your retirement plan. An employer’s retirement plan is a great idea because there will be much lower taxes and the employer may match your savings as well.

Every week, look for ways to cut back on miscellaneous expenses. Get a list written down of each expense you have and figure out what you can live without. Luxury items can add up to a pretty penny when you add up their cost over time.

Think about keeping a part-time job after you officially retire, for a number of reasons. Primarily, it will help out a lot in terms of financing your lifestyle. Also, working is a great way to stay active and to keep your mind and body in great health as you get older.

Consider paying off your mortgage when you cash out any retirement funds. For most people, the mortgage is the biggest bill each month. If you can pay it off, you can substantially reduce your monthly debt, making it easier to live on a fixed income. You will also have substantial equity in your home to pull from in an emergency.

When you want to deal with your retirement, it shouldn’t stress you out as much now that you have these great pieces of advice in mind. Make sure you take care of this stuff carefully because it has to do with your future. Good luck and hopefully you can get a plan worked out!

The Tips You Need In Regards To Debt Consolidation

Acquiring too much debt can ruin anyone’s financial future in a big way. But, by simply taking the time to learn more about debt consolidation, folks really can find a route to achieving relief. The article below contains tips and tricks to get you started with consolidating your debt.

If you are considering a debt consolidation company, do not be afraid to ask a few questions about their counselors. For instance, are the individuals certified? Debt consolidation is a tricky topic, so working with a certified counselor is more likely to get you the results you desire. So, speak up and find out!

Before choosing a debt consolidation company, ask how the counselors of the company are paid. If the answer is “on a commission basis”, then you may be best to look elsewhere. Someone working for commission will say or do many things that are less of a help for you and more of a help to their overall income.

Consider borrowing from your retirement account to pay your debt off. Contact the financial institution you opened a 401K plan with to see if you can borrow part of the money you saved up. This is a good way to pay your debt off quickly but you will have to replace the money you took from your retirement plan.

Before applying for a debt consolidation loan, contact the creditors you owe. Ask them if they can negotiate any of the the terms you are obligated to. Doing this prior to getting the debt consolidation loan will leave you in better shape to really minimize your overall debt once the loan is paid off and give you better figures to work with as well.

Call each of the creditors you owe money to in order to discuss a settlement. Once you have an overall total, talk to your bank about getting one loan to cover payment on all of your debt. They may accept a lump sum which is reduced by as much as thirty percent! Not only does this not hurt your credit score, it might even boost it!

If you are struggling with seemingly insurmountable debt, you are not alone. But, you should also realize that there really are debt consolidation opportunities that can help a great deal. With any luck, the advice above has shown you what to guard against and what to look for when making these types of financial decisions.

The Negative Aspects Of Payday Loans

Payday loans is not such a terrible thing to use. It is sometimes necessary for people to get some help. You shouldn’t feel bad if you are considering getting a loan. Read the advice in this article to see how payday loans can give you the assistance that you need.

If you must consider a payday loan, take time to understand what the true costs of the loan are. Sometimes the interest rate can calculate out to over 200 percent. Because of loopholes found in usury laws, companies can set essentially whatever rates they want.

Not all payday loans are on par with each other. Keep looking before you decide on someone; find a better interest rate and terms that are friendlier. If you do some research, you can often save money and make it easier to pay back the loan when it is due.

Pay back the entire loan as soon as you can. You are going to get a due date, and pay close attention to that date. The sooner you pay back the loan in full, the sooner your transaction with the payday loan company is complete. That will save you money in the long run.

Be on full alert for scams artists when it comes to payday loans. There are even people who will claim to offer payday loans, only to run off with your money. If you are considering any company for a loan, check out their Better Business Bureau entry.

If you need to make a payment right away, a payday loan can make it possible. You just have to know what they entail, so there are no surprises. The tips here can help you to be prepared for the entire process. Therefore, you can get a loan that helps you, and pay it back as soon as possible.

Use These Tips To Gain Control Of Your Finances

You might feel like it’s impossible to fix your financial situation. However, improving your finances is like losing weight. If you make small changes one at a time, after a while, you’ll begin to notice big changes. If you’re facing financial problems, don’t panic. Read this article to learn what to do to get your finances back on track.

If you can afford to do so, open an installment account, such as a loan or car payment. These will add extra weight onto your credit profile and will increase your credit score as long as it stays within your debt to income ratio. Be careful and only take on debt you can afford.

By putting some of your money into a 529-college savings account, you can improve your personal finance. This offers you a tax-free advantage to savings your money. You will be able to accumulate interest rates while it is in there, and since it is tax-free, you gain a huge monetary advantage.

Creating a budget for one and even their family will assure that they have control over their personal finances. A budget will keep one from overspending or taking a loan that will be outside their ability to repay. To maintain ones person finances responsibly they need to take action to do so.

Start building up an emergency fund today. In an ideal world you should have at least three months, preferable six months, living expenses stored away. Put it in an easy access, high interest savings account. If you don’t have any money saved, remember that it is never too late to start saving.

When writing checks or using your debit card, always write down your purchase in your check ledger. You don’t have to do your subtracting at the very moment you make the purchase, but do make note of it. Calculate your expenses at least once a day. In this way, you will never be overdrawn.

Personal finance learning can be addictive. Even a little improvement in your money-management skills can encourage you to refine your skills further. Go out and educate yourself with enthusiasm! There is no limit to how much money you can save yourself.

Confused About Taking Out A Mortgage? These Tips Can Help!

Many people go out in search of new home without realizing that it can be difficult to get approved for a home mortgage. If you are in the dark about this subject, you will need good tips to help get you caught up. Read on for great home mortgage tips that anyone can use.

When you get a quote for a home mortgage, make sure that the paperwork does not mention anything about PMI insurance. Sometimes a mortgage requires that you get PMI insurance in order to get a lower rate. However, the cost of the insurance can offset the break you get in the rate. So look over this carefully.

Watch out for banks offering a “no cost” mortgage loan. There is really no such thing as “no cost”. The closing costs with “no cost” mortgages is rolled into the mortgage loan instead of being due upfront. This means that you will be paying interest on the closing costs.

Have your terms well-defined before you apply for a mortgage loan to help you keep your budget on track. You must have a set budget that you are sure that is affordable in the future, and not just focus on the home you want. Regardless of how great it is to live in a new home, you’re going to hate it if you wind up not being able to afford it.

Make sure you look at multiple mortgage lenders before settling on one. You definitely need to do some comparison shopping. There are a lot of different mortgage rates and deals out there, so stopping at just one could really mean wasting thousands of dollars over the life of your mortgage.

Don’t apply for new credit and don’t cancel existing credit cards in the six months before applying for a mortgage loan. Mortgage brokers are looking for consistency. Any time you apply for credit, it goes on your credit report. Avoid charging a large amount during that time and make every payment on time.

It’s crucial to earn the best possible mortgage. You never want to wind up with your head underwater, struggling just to get by with a mortgage you can barely afford. Rather, you have to have a mortgage which fits into a budget you can afford, and you need a company that will take good care of you.

Find Out About Home Mortgages Right Here

Finding the right home mortgage loan takes a little time. You’re not buying a toy for your child, but instead you’re making a long-term commitment to pay for a home. So, this is a big decision, one in which you need the proper information. Read through this advice contained in the article so that you can better navigate your way through the different mortgages available.

There are loans available for first time home buyers. These loans usually do not require a lot of money down and often have lower interest rates than standard mortgages. Most first time home buyer loans are guaranteed by the government; thus, there is more paperwork needed than standard mortgage applications.

Get mortgage loan estimates from at least three different mortgage lenders and three different banks. By shopping around, you may get a lower interest rate, pay fewer points and save money on closing costs. It’s almost always preferable to get a fixed interest rate. With variable rates, you may not know from month to month what your mortgage payment will be.

If you are a veteran of the U.S. Armed Forces, you may qualify for a VA morgtage loan. These loans are available to qualified veterens. The advantage of these loans is an easier approval process and a lower than average interest rate. The application process for these loans is not often complicated.

If you’re denied for a mortgage, never let that deter you from looking to other companies. Just because a lender denies you does not mean that another one will. Shop around and consider your options. Get a co-signer if you need one.

Consider a mortgage broker instead of a bank, especially if you have less than perfect credit. Unlike banks, mortgage brokers have a variety of sources in which to get your loan approved. Additionally, many times mortgage brokers can get you a better interest rate than you can receive from a traditional bank.

In the area of home mortgages is often becomes complicated to anyone who doesn’t understand what lenders require in order to get approved. The tips in the above article should have shown you the basic information that anyone can use to better the approval chances. Study the tips again, and use them the next time you’re in search of a home mortgage.

Things You Ought To Know About Payday Loans

Payday loans is not such a terrible thing to use. It is sometimes necessary for people to get some help. You shouldn’t feel bad if you are considering getting a loan. Read the advice in this article to see how payday loans can give you the assistance that you need.

To get the least expensive loan, choose a lender who loans the money directly, instead of one who is lending someone else’s funds. Indirect loans cost a lot more in fees because they need to keep some of the money so they are able to make a profit whenever you pay it back.

One way to make sure that you are getting a payday loan from a trusted lender is to seek out reviews for various payday loan companies. Doing this will help you differentiate legit lenders from scams that are just trying to steal your money. Make sure you do adequate research.

If you take out a payday loan, make sure that you can afford to pay it back within one to two weeks. Payday loans should be used only in emergencies, when you truly have no other alternatives. When you take out a payday loan, and cannot pay it back right away, two things happen. First, you have to pay a fee to keep re-extending your loan until you can pay it off. Second, you keep getting charged more and more interest.

Take extra care that you provided the company with all the correct information. Make sure you give them proper proof of income, such as a pay stub. Make sure you give them the right phone number to contact you. If you don’t give them the right information, or the information you provide them isn’t correct, then you’ll have to wait even longer to get approved.

The aforementioned tips has given you the information you need to thoroughly understand payday loans. You shouldn’t have to deal with financial problems ever again. All you have to do is go to your nearest lender and apply for a payday loan and you can live in financial bliss.

Evaluating The Wisdom Of A Payday Loan

Are you in a financial bind? Are you considering a payday loan to help you get out of it? If so, there are some important considerations to keep in mind first. A payday loan is a great option, but it’s not right for everyone. Taking some time to understand the particulars about your loan will help you to make educated financial decisions.

If you must consider a payday loan, take time to understand what the true costs of the loan are. Sometimes the interest rate can calculate out to over 200 percent. Because of loopholes found in usury laws, companies can set essentially whatever rates they want.

At times people can find themselves in a bind, this is why payday loans are an option for them. Put some real effort into avoiding this process if it’s at all possible. Always consider every other option, such as family or friends, before you sign up for a payday loan.

Only get a payday loan if you are having an emergency. These loans come with a heavy interest rates, which can put you in a tough position. Your pay will be reduced, and the company will entice you to not pay it back until you get to a point, where you cannot pay it back.

Take extra care that you provided the company with all the correct information. Make sure you give them proper proof of income, such as a pay stub. Make sure you give them the right phone number to contact you. If you don’t give them the right information, or the information you provide them isn’t correct, then you’ll have to wait even longer to get approved.


Money can cause a lot of stress to your life. A payday loan may seem like a good option, and it really could be. Before you make that decision, make you understand the information shared in this article. A payday loan can help you or hurt you, make sure you make the decision that is best for you.