Travel Tips for Credit Cards At Vacations – Your Friend In Need!

One of the most important travel tips is to carry ample cash while going on vacation. However, keeping large amount of cash with you is not safe. International Credit Card is an alternate to avoid hassles of keeping cash. Here are some important travel tips and travel money tips to use your credit card:

International travel tips for credit card usage

The first of the important travel tips for international travels is to find out from the credit card company if you can use your card in international locations. Also find out from the credit card company the charges that are applicable on your card. Confirm from them if the current PIN will work in other countries or you need an international PIN to use ATM machines at international locations and what are the conversion charges. It is also important to have their local help line numbers and the list of ATM locations close to the destinations you plan to visit.

Free Travel and Airfare Tips

Your credit card not only helps you pay for your vacations but also earns some fun-filled vacations for you. Some credit cards offers discount on international vacation if charges are made from their card and if you choose a hotel or airline from their list. Airlines Mileage Card offers bonus points every time you make a purchase. After making purchases from this card for 3-4 months, you can even get 1-2 free airlines tickets.

Business Travel Tips for Credit Card

Credit card security is very important while on international vacation. It does not take much time for a waiter to copy your credit card information and use it to go on an online shopping spree. Keep an eye on the waiter after you give your card. Ensure he does not take unusual time and does not get out of sight. Most hotels keep the credit card machines within the sight of the customers for assurance.

While traveling abroad, you have to follow travel tips of financial safety while using your credit cards. Do not give your credit card or credit card numbers to suspected people and outlets. Avoid seeking help related to credit card usage from strangers.

Cash safety travel tips during travel for seniors and women

Seniors and women are easy victims while on vacation. By following basic travel tips for cash and credit card safety, they can avoid financial loss and prevent potential threats. Keep the cash at least in two places. If you loose cash from one location, you still have cash to manage emergencies. Get a list of all ATM locations in the destination where you can draw cash. Do not wait to draw cash until you have spent the last penny. Do not take out large amounts of cash in public places. Do not disclose the amount tat you are carrying with you.

Toddler travel tips for Credit Cards

Do not give credit card to kids or minors. They can lose the card and land you in trouble situation. They can also spoil the magnetic impression of the card and render it useless. However, it is necessary to keep some cash in the pocket of the kids to handle emergencies.

International Travel Tips for Credit Card Losses

Keep the international number of the credit card company to promptly report loss of card. As soon as the card is lost, report it to company, find your balance to look for any frauds. This would be a great help for you to avoid financial loss related to fraudulent use of your credit card.

Air Travel Tips for Business Travelers

Traveling by air for a business trip can become a much better experience if you have someone’s air travel tips at the back of your head.

There are countless things that one can plan for business traveling in order to have a nice and comfortable flight and there are numerous air travel tips available online. But like any other thing, it is from others’ personal experience that one can settle for the finest few, which are not only easy to remember and implement but outsmart any other flight travel tips.

For the same reason, I thought I’d share some tips that have worked wonders for me over the years.

Give choosing the right seat a high priority.

I, like many others, used to be one of those travelers who would ignore all air travel tips there are and say to myself that I’ll get what I deserve. But you need to trust me when I say now that spending the few extra minutes either choosing the seat online or paying extra for a better seat is probably the best gift you can give yourself on a flight.

Left, Right or Center

There are many different stories on which kind of seat worked best for who, so I’d recommend that you make your own opinion with time about that. For first time business travelers, just go for the window seat – this gives you two important advantages over everyone who doesn’t have a window seat: you have something to lean on to sleep and you don’t need to wake up or be uncomfortable because your neighbor wants to go to the toilet.

Always have headphones by your side

Some people tend to say that if you have means to catch the in-flight entertainment, you will probably never get in the mood to sleep/rest on the flight. But what those airplane travel tips would never say is that if headphones can be your rescue if you just can’t do anything else. Better still, sometimes melodic instrumentals available on the in-flight music list can prove to be just the lullaby you were yearning for. And if you want to take this to an even higher level, carry a noise cancelling headphone with you so that all you hear is your music.

Be mindful about your airline carry on

Again, some would tell you that any hassles linked to your airline carry on would be short-lived and worth the extra things you will have accessible. What I’d like to share about that is this: it can sometimes be anything but short-lived. If your extra carry on ends up by your legs, then there goes the little leg-room that you had.

Saving time means more time spent (sometimes)

And sometimes, the time you think you would save on departing and checking in with just the airline carry on as your luggage would make your business trip swifter than usual, but you might just end up having to put your carry on luggage away from your seat just because there’s too much. And that would kill any advantage you had to begin with.

To sum it all up, don’t think about too many things or too many options that you can choose from, just keep things simple and have a great time flying.

Popular Home Improvements

Many home owners have been showing so much interest in improving their homes in the last few years. Most of them have already executed varying improvement projects for their homes and have been appreciating the results of this fruitful undertaking. Home improvement not only helps in raising the value of a home but also brings out a better and more attractive look for the home. This makes the owners feel more comfortable and confident with the place.

There are varying home improvement ideas that are available and ready for execution. The size and design of your house matters a lot and this can actually hinder you from applying some of the ideas. Within those varying ideas, there are a number of them that can be applied in most homes because of their usefulness and ease of design. They are the popular home improvements. The list below shows those improvements and can be used as a guide for choosing the best home improvements to go with.

1. Upgrading bathrooms and kitchens

With the increasing rise in technology, many bathroom and kitchen appliances are continuously being developed. Some of the appliances are oh so useful and economical. This makes them require a certain setup that cannot be accommodated by the old school room designs. This raises the need for a makeover on those places. New and highly attractive bathroom and kitchen designs that raise the value of a home are also coming up at a high rate, and this is making many home owners opt to go with those designs as they are truly elegant.

2. Using boilers

Boilers are highly valued assets that are continuously gaining fame and use because of the benefits they bring to home owners. Acquiring and installing them requires a good sum of money and this forces the value of a home to rise immediately after a boiler is installed. Apart from new installations, people are also replacing their old boilers with new ones that are more expensive and coming from reputable companies.

3. Double glazing

Many homeowners have been replacing their old windows with the double glazed ones due to a number of reasons. Double glazed windows are good at reducing noise and heat transfer. They are also important in improving home security as well as enhancing its value. This makes double glazing an important feature for homes and has thus been gaining a great acceptance and application by the people.

4. Home garden makeover

A home garden is an important part of the home’s face. Having a decent garden helps in creating a better image of the home and in turn raises its value. The home also becomes more attractive and this is something that every home owner wants. Being an easier and more economical way of improving the overall homestead, garden makeover is a very useful step and has thus been considered to be part of the popular home improvements that have been trending.


Home improvement is, in most cases, appearing to be an economical project that is better than launching new building projects from scratch. With a good budget, improving your home remains easy and timely enough. All the home improvements above are easy projects that can help in taking your home a level higher.

Ethiopia Adventure Travel Tips

In November 2010 my husband and I travelled around Ethiopia for three weeks by public bus with a private guide. Travel (especially bus travel) is a real adventure and not for the faint hearted as there is long travel days (even longer if the bus breaks down) on poorly maintained roads. But it is an excellent way to get up close and personal and experience the life and culture of the locals.

Addis Ababa
We arrived at the airport at 3.30am. We had not booked any accommodation due to our early arrival so we stayed at the airport till about 7am. A taxi agreed to take us into the city for USD$10. We went to the Ras Hotel where we had to wait till 9am to see if they had a room.
Travel Tip: We stayed at the Ras Hotel 3 times due to its central location. The price includes breakfast which is awful but lunch and dinner are good.

Bahir Dar
We stayed at the Ghion Hotel on Lake Tana and did a boat cruise to the islands to see the painted churches. The Blue Nile Falls area is pretty but not worth the long bumpy ride to get there. Since damming the river, the waterfalls are certainly nothing like the posters show.
Travel Tip: Check if a guide is included with your Lake Tana boat cruise. There was 9 of us on our boat. No guide accompanied us on the boat except for our private guide Samson. The first island we visited Samson acted as intrepreter otherwise we would have not understood what we were looking at. The second island we visited the church guide spoke English.

The abandoned castles are very interesting and it is worth hiring the guides inside the gate.
Travel Tip: We stayed at the Belgez Pension which was cheap, clean and quiet but the rooms were very small and cramped. They do your washing for a very small fee – give to the cleaners in the morning.

Simien Mountains
We did a one day 4WD day trip with another traveller and our guide Samson.
Travel Tip: We would have liked to have stayed overnight even though we are not trekkers, as the scenery is stunning.

We spent 2 nights in Lalibela exploring the amazing rock churches.
Travel Tip: Keep your entrance ticket handy as they will be checked at each church entrance.

Arba Minch
Arba Minch is a overnight bus stop between Addis Ababa and Jinka.
Travel Tip: Spend an extra night on one of the stopovers and do the lake tour.

We hired a 4WD locally to tour the main 3 tribes in the area (Mersi, Hamer and Karo tribes). We shared this cost with 3 other travellers who were on the bus and stayed at the same accommodation as us.
Travel Tip: Buy your bus ticket to Addis Ababa early (at least 1 day in advance) so you can obtain a better seat number otherwise you will find yourself stuck at the back of the bus on the 2 day journey. Buy good ear plugs so that you can block out the noise of the loud music videos playing.

We used a variety of transport that included: public bus, minivan, 4WD and boat.
Travel Tip: If you find that quite a few of you are heading in the same direction, it will be more economical and comfortable to rent a minivan and driver like we did from Bahar Dar to Gondar (7 people).

Get Organized With These Travel Tips

Getting away from the hubbub of everyday life demands quite a few years of effort and without vacation makes Jack a dull young man… When one is ready and sets the question of exactly where to go to creeps in… South America, Africa, Asia… How about European countries? France, Italy, Spain… These three are extremely popular vacation spots. Australia and New Zealand are also extremely popular among hikers. Or any other destination demands one to get appropriate info of a specific region and on different tour packages offered.

You will find a lot of tour companies on the web and one would get baffled as to which one to use for their yearned or most hoped for vacation. Visit online travel forums to get a glimpse of what other travelers have to say concerning their upcoming holiday or others reveling on the activities from a recent vacation in another country. In addition there are a lot of travel weblogs that will certainly help you make the correct decisions without spending too much time with the travel agent.

The very first thing would be to consider a reliable tour business that gives advice on the best traveller spots in the region of visit and ultimately plan a memorable holiday of a life time. Do not fear to request travel tips until one becomes almost familiar with that country of visit, one wants to be cautious as a lot of tour businesses are disguised as know it all, it could be wise to look for tour operators that offer or provide professional services; do not fall for low cost tour packages as this is going to ruin your adventure vacation.

I don’t know how inexpensive is inexpensive but what I know is that cheap is costly in the long term. Try to stay away from briefcase tour businesses; these businesses will ruin you most desired holiday. There are a few things that you do not want to skimp on money. These are not places where getting cheap will in fact help you save money. This is actually one of the most valuable traveling tips you can get…

Do not be scared to look for info on: travel tips, medical covers and health specifications or restrictions, what to carry or not carry, travel advisory, vehicle and driver guide, highlights on places to be discovered, and so on. Don’t overlook your sense of adventure whenever on holiday and most importantly a holiday full of memories is a well deserved adventure of a life time!

Home Improvement Project – Choose the One That Adds Value to Your Home

Never neglect an opportunity for improvement.

The words of Sir William Jones are not only apt for your personal well-being but also for the well-being of your home. If you think that there is a room for improvement in your home, consider your savings and make a decision.

Home Improvement is more common than you think

Today, homeowners are deciding against selling their current homes. The reason is easy availability of experienced home renovation contractors who ensure successful home improvement projects.

But before you start looking for a contractor, consider the following factors:

The Purpose

Think about the reason behind the home improvement project. If you do not want to sell your home, you can consult the contractor for customizing your home to suit the growing needs of your family.

Once your purpose is clear, you will be able to decide whether a specific home improvement project is worth your time and money.

The Budget Factor

When a contractor pitches you the idea of building your dream home, you may get emotional and say yes to his every suggestion. But, consider your financial situation before making any commitments to the contractor. Spend your money wisely and choose the project that guarantees maximum returns.

The Market Value of your Home

Even if you are not planning to sell your property in the near future, the market value of your home should be considered before spending money. It is important to understand that the increase in the market value will not be the same as the cost of the home improvement project. Remember that any construction work that corrects a major structural defect will be more advantageous than any renovation work done to suit your needs.

Government Grants

A home improvement project can be an expensive affair. But, you can reduce your expenditure with the help of the local government. The local government provides grants and rebates for the purpose of upgrading your home. For example, if you replace an inefficient toilet with a water-saving one in the City of Toronto, the government will provide you with a $75 rebate for each toilet.

Geographical Location of your Home

Certain home improvement projects are better suited to a specific geographical location. If you are contemplating about building a swimming pool in your yard, you must consider your geographical location. If you live in a colder region of the country, it will not add any value to your home.

What are the Common Home Improvement Projects that add Value to your Home?

· Plumbing – It will save you from costly repairs in the future and maintain the health of your family members.

· Maintenance – Taking care of mold, mildew, water leakage, etc. is a crucial task for every homeowner.

· Remodeling a kitchen – Upgrading a kitchen has it benefits. But, make sure that the upgraded kitchen matches the rest of your home.

· Bathroom additions – If there is empty space in your home, adding a bathroom can be beneficial.

· Painting your home – Paints provide a fresh look to your home at a very nominal cost.

· Upgrading the electrical systems – It is mandatory for old homes as upgrading the electrical system will make it safe for habitation.

· Insulation – It can reduce your electricity bills.

· Adding a deck or a patio – It will increase the curb appeal of your home.

Your home is your paradise. And, when it comes to your paradise, never make an emotional decision. You may be attracted to the idea of upgrading your home and making it luxurious. But, remember that not every home improvement project is beneficial in the long run. Adopt a cautious approach so that you spend your money on home improvement projects that add value to your home.

Educational Leadership in the 21st Century

Education plays a unique role right from the birth of humanity in its onward journey. In the background of the emerging global country of 21st century, education has incomparably challenging roles to play. The ‘global family’ becomes a close -knit community, minimizing and eliminating geographic, ethnic, linguistic, cultural, economic and all other barriers and the role of education has to undergo a conspicuous change. At this era of reconstruction and redefining, the very concept of education has to be reconstructed, redefined and modified assimilating the good elements of the past and discarding the bad ones. In fact, the basic concept of education remains intact in its mission but pedagogy and methodology have to be reviewed. That is what T.S Eliot said, “It is in fact a part of the function of education to help us escape, not from our own time — for we are bound by that — but from the intellectual and emotional limitations of our time.”The educational leadership in this century is endowed with the noble role of managing these changes in an effective and appropriate manner.

The most important challenge of education is to keep pace with the knowledge society. The knowledge and information evolve, develop and are acquired at an alarming speed. The educational leadership has to help the institution encompass the exploding growth of knowledge lest it would remain obsolete. This emphasizes the education being technologically up to date and scientifically exploring. This paradigm shift is due to the giant leaps in communication and information technology that can be manipulated as an asset rather than a challenge. Thus, the real concern in education today lies in the effective management of this complex phenomenon. Therefore, the academicians need to be dynamically ultra paced in the pedagogic process.

The highest edge of competition is the talisman of 21st century. This quest for excellence prioritises the need for competitiveness in all fields. The quiescent knowledge imparted through conventional methods may leave the principal and the agent in the education far behind the signs of the time. The product of an alma mater needs to be equipped with the best to face the world ahead of it. Unless the institution succeeds in this noble mission, it will merely be added up as just one among the others in the list of the so-called millions of schools. Thus, leading innovation in education ensuring uncompromising quality in the minutest of details and at the same time being effective, the educational leadership makes an institution a pace-setting one.

An effective education is life education. Advancing one’s knowledge and imbibing competence become worthwhile only when it contributes to the emotional intelligence and quality of life of the individual. John Dewey defines,” Education is not preparation for life; education is life itself”. 21st century has the biggest chaos in its values and priorities. Along with achieving professional growth in life, the overall development of the individual needs a special stress. Education should equip an individual to re-define and re-discover the culture and values for oneself. How an individual takes decisions and allots priorities depend on how well the education has expanded his/her horizons. To dedicate oneself to the service of the nation and his/her fellowmen, one needs to be reinforced by the quality of education he/she receives. The question is whether the modern education leads a learner forward along a path where he is enriched academically, culturally, emotionally, physically and spiritually or not. “The main part of intellectual education is not the acquisition of facts but learning how to make facts live.” — Oliver Wendell Holmes

The education is a vision, mission and a passion. The field of education thus needs visionaries, missionaries and people with zest and zeal. When it comes to Indian educational scenario, a country with human capital as the greatest strength finds, at the same time, its enormously growing population as one of the hurdles in its path to greater heights. Benjamin Distraeli states, ‘in the education of the people of this country, the fate of this country depends’. Provided the population becomes equipped with quality skills and education, the country will have a strong edge over the other nations in the emerging world. Specifically for India, its future lies in how the young generations bring forth favorable changes in all the realms of political, economic, social, spiritual so on and so forth. As the education moulds the generations, so will be the future of the society. To conclude, G.K Chestertson rightly said, “Education is simply the soul of a society as it passes from one generation to another”.

Choosing The Right Home Improvement Company

Everybody desires to make his/her home attractive and unique. They want their home to be perfect in all aspects. For that, they are paying more attention on the interior as well as exterior of their houses.

However, if you wish to enhance the beauty of your house, make sure that, you choose a reputed and genuine home improvement service. Selecting an experienced home decor service can surely renovate your house in all aspects. In fact, now you can also find many home decor services on the Internet.

By spending some time on the Internet, you can easily select the best service that suits your budget. With the help of a price list next to design, you can choose any design that matches your house and budget. However, for renovating your house, Toledo home improvement service is perfect, because you will be provided with a wide variety of both exterior as well as interior designs.

Moreover, you will be provided with different painting options, so that you can choose your favorite colors. This will help renovate your home with total modern accessories. You can really make your investment successful by choosing this service for your home. However, if you desire to renovate your home by yourself, then you may suffer from loss. Therefore, opting experienced services such as Toledo home improvement can really help you save a lot.

The home decor experts of this service can easily solve all your problems regarding home improvement. With the help of these experts, you can easily renovate your home without spending much. Thus, taking the help of professionals can really enhance the beauty of your home. Toledo home improvement service will renovate your home through systematic. Firstly, your new room has to be perfectly designed, so that it looks unique. You can also replace modern accessories with older ones for giving a unique look to your bedroom.

In fact, you can also improve your bathroom, bedroom and kitchen with the help of these services. There are many things that you can replace and improve in your home. Thus, proper planning can surely help you in terms of home improvement. With the help of this service, you can also improve your garage, building, chimney and garage. Your home interior and exterior has to be stylish and unique, so make sure that you improve all those things with the help of a reputed expert. Hence, with Toledo home improvement service, you can easily improve your home.

It’s Your Day to Shine – Wedding Day Hair Style

A common mistake many brides make when they are planning their wedding is to completely lose their own identity and personal style when it comes to making decisions about hair and fashion for their very special day. You will no doubt want to look and feel special on your wedding day, but make sure you are very careful to ensure that the woman who walks down the aisle on the big day is definitely you and not an image of what you or someone else thinks you should look like.

When it comes to choosing a wedding hair styles, your number first and most important priority is to actually like the hair style you will wear. Bear in mind that there are no right or wrong and right choices when selecting your wedding hair style.

Far too often, planning a wedding can make you feel like you are involved in a major project management endeavor. You are suddenly responsible for coordinating and managing countless, not to mention dozens of people, all of whom have their own ideas about how things should be done. It does not matter if your wedding is just a small gathering of ten of your closest friends and relatives or a media event, you will still need a wedding plan; and the most efficient way to plan a flawless wedding of any size is to use a wedding checklist.

Just make sure you add your wedding hair style to your wedding check list… meeting with several hair stylists to discuss various wedding hair styles to fig your personality, your face, and especially your gown and headgear. It is best to start this process at least six months in advance of the big day – especially if your hair is short. Even if you want to sport a short hairdo on your wedding day, you may want to grow your hair out a bit to achieve the style and look that you desire to have for your wedding. You may even want to consider cutting it shorter if your hair is at one of those ‘in between’ lengths and a decidedly short hairdo is what you want for your wedding.

Nearly every professional hair stylist will have a portfolio of wedding hairdos to share with you and will be able to advise you on the wedding hairdo that would be best for you on what is no doubt the most special day of your life. With the right hair stylist and the right hair style, your hair will be perfect throughout the entire day from the first photo in the dressing room until the last guest has gone home.

Special Learning Needs – Effective Educational Services For Students

15 million school age children in the US have learning problems that public and private schools can’t solve. There are 72,000 special education students in LAUSD, alone. Every day these students sit unhappily in class, losing hope of ever realizing their dreams. Students are living in pain and shame. They are not learning to be successful students.

Their parents are frustrated in their attempts to find suitable education for their child. They’ve tried working through the public schools. They have hired tutors. Parents are calling for real solutions.

In order to thrive, these students need special educational methods that address their unique profile of strengths and needs. But even more importantly, these children require a new mindset of success.

Educational therapy offers help and hope to children and adults with learning challenges such as ADHD, autism, dyslexia, and learning disabilities. Educational therapy is an appropriate and highly successful approach to helping students of all ages achieve their maximum potential.

Educational therapists use state of the art educational programs and methods that have been proven to teach students with learning problems the skills they require to be successful. Educational therapy shows students how to overcome their learning problems and lead successful lives.

All throughout the school years, foundations for future success are laid down. Not only are students learning essential skills such as reading, they are also learning to value education. But most importantly, they are learning to believe that they are successful students!

When students experience repeated frustration and failure, they develop self-doubt along with dislike or distrust of educational experiences. These negative views influence how much students can learn, at every level from elementary school through college!

Special needs students experience three major problems with learning:

Teachers and tutors use the same methods for every child. Children are unique and each learns in his or her own way.

Teachers and tutors usually do not understand how to modify their approach to address different learning styles.

Teachers and tutors only teach subject matter. Students who experience repeated academic failure lack the underlying foundational skills to be successful students. They often don’t know the best study methods, how to manage their time, or what the real secrets are to academic success.

Teachers and tutors do not address the root cause of continued academic failure-learned helplessness. When students experience failure after failure, they develop a mindset that they are “stupid” and “can’t learn.” They give up on ever being a good student! But, when students believe they can succeed, they begin to try. When they believe they can learn, they begin to study. When they believe they can have impressive futures, they make powerful choices. Students have the right to believe in their innate intelligence and skill!

Educational therapists generally begin their professional careers in special education, child development or counseling.

The Association of Educational Therapists is the national professional organization that sets the training standards for educational therapists. There are three levels of membership in the Association of Educational Therapists: Associate Professional (introductory level), Professional (experienced), Board Certified (seasoned).

According to the Association of Educational Therapists: “Regardless of previous background, all Professional members of the Association of Educational Therapists (AET) have met rigorous professional requirements in the academic areas of elementary and/or secondary education, child development, educational assessment, learning theory, learning disabilities, and principles of educational therapy. All members have a B.A. degree and are required to hold a Masters Degree or equivalent in post-BA course work. They have completed at least 1500 supervised direct service hours, and are required to complete 40 clock hours of Continuing Education every two years.

To become a Board Certified Educational Therapist (BCET), a member must meet the following additional requirements: Masters Degree (required); one year membership in AET at the Professional level; 1000 hours of professional practice; formal written Case Study evaluated and passed by the AET Certification Board; a written examination that demonstrates professional expertise in educational therapy.”

To locate an educational therapist near you or obtain more information about educational therapy, visit the Association of Educational Therapists website.

Dr. Kari Miller is a Board Certified Educational Therapist and Director of the Center for Empowered Learning, Educational Therapy in Los Angeles. She began her career almost twenty-five years ago as a special education resource teacher. She has worked with students in a vast array of capacities, including special education teacher and educational therapist. Dr. Miller has a PhD in Educational Psychology and Mathematical Statistics, a master’s degree in Learning Disabilities, Gifted Education and Educational Diagnosis, and a bachelor’s degree in Early Childhood Education and Behavior Disorders.