Travel Insurance - Traveler Investment or Waste of Money?
You're already paying thousands of dollars planning the trip of a lifetime, who wants to add yet another expense for travelers insurance? For many travelers, the added expense of travel insurance seems like a big waste of money. But is it? If you're struggling to decide whether or not you need that extra policy, remember this: failing to buy travel insurance can ruin your trip and cost you money!
According to the U.S. Travel Insurance Association, only a fraction of travelers actually think of the benefits of purchasing insurance policies t cover those unexpected emergencies when traveling. Why is it so important?
The three most important reasons to purchase travel insurance include:
-Peace of mind - you'll know that no matter what happens while you are away from home, there will be help available.
-Protection against the unexpected - people get sick; accidents occur and storms roll in causing havoc while on vacation.
-Protection against financial loss - you've spent a fortune planning your trip, insurance can help you recoup lost planning costs if you need to cancel due to illness; terrorism or natural disasters.
So, what types of travel insurance should you consider?
That depends on where you'll be traveling (domestic or abroad) and how much your trip costs. The most common types of travel insurance include: flight and trip cancellation insurance; travel health insurance; baggage coverage; and even medical evacuation insurance, which can mean the difference between life and death if traveling to areas with primitive medical facilities.
Is it really necessary to add ye another expense onto your travel bill by obtaining these policies? It can be!
Consider these important reasons to buy travel insurance:
1. Cancelled flights.
2. Lost medication. Travel medical insurance will help get you a refill quickly and easily.
3. Theft. What do you do if your passport and wallet are stolen? Travel insurance will help you get emergency cash and a replacement passport.
4. Medical Evacuation. Whether you fall ill, or are in an accident, evacuation insurance can help you get to the medical services you need.
5. You need to cancel your trip due to illness.
6. Bankruptcy. If your cruise line, airline or tour operator goes bankrupt, insurance will help you recoup those non-refundable expenses.
8. A terrorist incident occurs in the city where you're planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.
Still think hat you don't need travel insurance? Think again. In today's world of travel, it can help make the emergencies experienced on vacation a little easier to handle.
Five tips for donating your car to charity
You’ve probably seen the ads: Donate your old car to charity, help out a good cause and get a tax write-off. It sounds simple, but experts say consumers must do their research before handing over the keys so they don’t get taken for a ride.
If you want to get an unwanted vehicle off your hands while helping families, kids or animals in need, here are five steps you can take to ensure your donation does as much good as possible.
1. Donate directly to a charity.
The ideal way to donate a car is to find an organization that can use the vehicle in their programs, says Daniel Borochoff, president and founder of CharityWatch, a watchdog group that helps donors make informed decisions. For example, he says, Meals on Wheels might use the vehicle to deliver food, a local senior center might use it to drive patients to doctor appointments, or a vocational school might use it to teach students how to fix cars.
Going this route offers two benefits: You might be able to get a bigger income tax deduction, Borochoff says, and you know the organization will be getting the maximum benefit from your donation.
2. Cut out the middleman.
Steer clear of third-party groups that aggressively advertise car donation programs, experts warn. Middlemen often end up keeping large chunk of the proceeds from the car sale, says Sandra Miniutti, vice president of marketing for Charity Navigator, a nonprofit charity evaluator. In fact, a report by the U.S. General Accounting Office reveals that many donated cars are sold cheaply at auction by these third-party groups. After advertising, administrative and towing expenses are deducted, a charity could get as little as $25.
So, even if you can’t find a charity that will use your car in its programs, you might be able to find one that will accept it and sell it directly. You can start by calling your favorite local charities, or even the United Way, which might be able to refer you to an organization in need.
“It’s going to take a little bit of legwork,” Miniutti says.
3. Make sure the organization has a good reputation.
Check out the charity, just the same as if you were donating money to a nonprofit. First, make sure the group is a 501(c) (3) organization so that your donation is tax-deductible. (You can search the IRS website to find out.)
Second, check the charity’s track record at the Better Business Bureau or through the government agency that registers charities in your state, usually either the attorney general or secretary of state. Also, organizations such as GuideStar, CharityWatch and Charity Navigator rate nonprofits based on a variety of factors, such as transparency and expenses.
An example: CharityWatch warns donors that a charity operating as Kars4Kids has been disciplined by several state attorneys general for not openly disclosing that money from car sales goes to support an Orthodox Jewish religious group. The organization, which has raised millions of dollars through catchy radio ads, also had to pay a $65,000 fine in Oregon for not telling donors that the “free vacation” they were promised actually was a timeshare recruitment tool, meaning the car donors sat through a presentation designed to get them to buy a vacation timeshare.
At the time, a spokesman defended Kars4Kids, saying the group simply hadn’t had time in its ads to give full details. On its website, Kars4Kids says donors can choose whether to attend a timeshare presentation during a free two-night hotel stay in a U.S. city. The website says the vacation voucher is offered by a third party and any complaints “will be forwarded to the third party.”
4. Transfer the car properly.
Before you part with your car, the Better Business Bureau recommends you snap a photo of the vehicle for your records. When it’s time to actually hand the car over, make sure the title is transferred from your name to the charity, Borochoff says. That’s because if you unknowingly give your car to a scam artist or even a less-than-responsible charity that keeps the title in your name, it could cause trouble for you down the road.
“Some donors have gotten involved in scary, nightmare situations where their car was involved in a crime or accident and then they’re held responsible,” Borochoff says. “Even just somebody who racks up a lot of traffic tickets could cause you problems.”
It’s also important to notify your car insurance company of the donation right when you relinquish the title, says Brian Rauber, a Farmers Insurance agent in Missouri. At that point, the company will cancel the policy.
5. Know the tax rules for car donation.
The IRS imposes strict rules about the amount you can deduct on your federal income taxes for donating a car, as well as the documentation required. You’ll need to get a letter from the charity explaining its intended use for the car or, if the charity sold it, the amount of money received.
The amount you can deduct depends on whether the organization plans to use your car in its daily operations – in which case you might be able to deduct fair market value of the car – or if the nonprofit sells it.
The IRS outlines what you can deduct in its guide to taxes and car donations. Be careful how you value your donated car on your tax return, Miniutti says, as the IRS scrutinizes car donations closely and any red flags could lead to an audit.
Finally, if you don’t want to go through the hassle of finding a reputable charity that will accept your car, consider selling the car yourself and donating the money, Borochoff says. If you do that, “a lot more of the money would go to charity,” he says.
What to Select Between VPS and Dedicated Server?
To achieve the best response in online business, it is necessary to create websites and making the online presence but it is required that you should have an idea about hosting server for your business.
Well, the answer is that if you have an enterprise level business and required more secure level of services then dedicated server is the best option for vm cloud hosting, but if you have a small scale business then a virtual private server is the best option.
Today's VPS hosting is a relatively new technology that has quickly managed vps hosting become popular. Dedicated VPS servers have always been popular because of all the flexibility and features they offer, but this is not the right choice for many users. Given below are a few points which will help you select the right option.
Server Configurations:
A Virtual private server (VPS) is configured through software to have several virtual machines running on a single system. It offers much greater control over the hosted platform and allowing the user to run their own scripts and software, and also provides more resources and processing power. As compared to VPS, a dedicated server has some different concept of hosting in which a user is assigned a separate server with its own hardware and resources totally in his control and under his administration. It provides you with unlimited bandwidth and storage space, which assure maximum website uptime, quick response time and much controlled environment.
Cost:
Due to the virtual environment of the server, the cost of a VPS hosting is much less than vm cloud hosting that of a dedicated server hosting.However, if you are looking for cost effective server, then you might consider VPS hosting. But if you want to personalize your own server then you must consider a dedicated server and look ahead for dedicated hosting plans.
Performance:
managed vps hosting, VPS is a little more complex compared to the dedicated servers, so it would be required to have a little knowledge of vm cloud hosting and experience in the field of working with these servers. The performance level of both, dedicated and a VPS server is approximately same. You would not really have to face many instances where the server would be slowed down. But dedicated server is ideal for e-commerce websites with high traffic and the need to be always accessible because of high speed servers, routers and all hardware attached and, is located in a climate-controlled data centers with 24x7 supports and on time.
Security:
Both of VPS and Dedicated servers also offer the best level of security for the websites but as compared to VPS, dedicated server's performance is excellent, in terms of security, firewalls and technical support management.
Dedicated server has an advantage of allowing large traffic on the website due to virtually unlimited bandwidth. This type of server hosting is ideal for large business organizations or portals.
Based on these points it is easy to conclude that both of these options provide similar advantages managed vps hosting and features and also Clarify that if you are looking the server for small business and cost effectiveness, then VPS hosting would be a better option for you. But if your server requirement at the enterprise level is big then dedicated server is the best choice for you.
UnManaged VS managed VPS Hosting
In the last few months we've received a few email questions about
vps webhosting , and, in fact, have recently found ourselves pondering the pros and cons of having unmanaged verses managed VPS hosting. From strictly a monetary standpoint, many out there find themselves drawn to the thrifty option but that might just end up costing you in the long run. Let's take a look at both options below.
Managed VPS hosting
With managed VPS hosting, the more expensive option of the two,vps dedicated server don't think that extra expense is going to waste.
When you pay the agreed upon price for Managed VPS hosting that includes everything. Management, monitoring, repairs, expert service and infrastructure are all covered. This makes it an especially appealing option for those out there that maybe do not know much about servers, those who would rather not be bothered with it all, or those unsure if their limited technical know-how will help them in a bind. With a managed VPS hosting you get all the benefits of a VPS and all you really need to worry about is the web sites you host there.
Adding service, dropping service, functionality problems, and increased disk space are all just a service ticket away. All this, of course, comes at a price higher than say.
Unmanaged VPS hosting
This is the low-cost option you don't really want to entertain unless you have the technical know-how,vps dedicated server experience, and time to fuss with your own server.
Apart from server down-time which will be handled by your VPS provider, don't expect help with anything like troubleshooting, configuration, software issues, et al. if you choose this option. For those developing real-time systems and/or who have complete knowledge of UNIX as well as the time to configure, set up, and fix issues that may arise, an unmanaged VPS server is perhaps your best option and much less expensive to boot. It pays to have the know-how.
Unmanaged VPS hosting can come at a price as low as $8-15 per month but buyer beware! We found, and used for a time, a hosting company that charged us only $8 per month but soon found that it was so riddled with issues and downtime that we ultimately switched to a more reputable company. That is a story in and of its self that we'll perhaps share another time.
vps webhosting When deciding for yourself or your company whether to go with a managed vps hosting or unmanaged VPS, keep in mind what we've mentioned above: unmanaged VPS if you're looking to save some money and have the technical know-how to handle all issues and configuration, managed VPS hosting for convenience and expert help a few calls or clicks away. Typically I recommend to people a managed VPS hosting. Though the price may be a little higher, the benefit of letting someone else fuss over issues, performance, configuration, etc. is worth the added expense. If you're a wunderkind, whiz kid with UNIX, have the time, prefer to keep things in-house, or are developing live systems, I recommend saving yourself some cash and going unmanaged.
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