How a World Phone Can Increase Your Travel Budget

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Travel Budget

When traveling overseas, you need every bit of your travel budget as things that are unexpected or just weren’t considered ahead of time always arise. Whether it is the ever changing exchange rates, the enticing shopping, or hidden fees, your budget can be used up very quickly.

There are ways to free up more of your budget though. One of the primary hidden costs that world travelers can incur is communication fees. International calling cards, international connection charges, and data roaming cards can virtually destroy someone’s travel budget. There are options though. By purchasing an international SIM card, you can drastically reduce the cost of communication overseas. This is also a great opportunity for someone who still needs to utilize the data capabilities of their phone. Sometimes, even if you are on vacation, you still need to be receiving important emails from the office. GPS is something that we all rely on daily, and without the proper international SIM, you are going to be paying exorbitant amounts for data roaming for a simple phone feature that we all use daily.

Travelling Using Vouchers

It may be difficult to go to a country where you don’t speak the language, but with technology today digital translators can be right in the palm of yours. Forget about flipping through some massive translation dictionary when you have the power to translate at the tip of your fingers. Most mobile device translators can even be voice activated. For the majority of these translators though, your phone needs to be connected to the Internet. Don’t be left in the dust without proper translation! A simple international phone plan can make the difference between understanding the native language and simple just being lost in it all.

You may be wondering what to do if your phone doesn’t have SIM card capabilities. This is easy enough to deal with. The technical team at www.brightroam.com will give you both great professional advice and will help you select the correct prepaid international phone and plan for all of your needs. Whether you are looking for just a talk and text plan or a full data coverage option companies today, provide the phones that you need to stay connected and well informed.

These phones are very affordable and offer the ability for someone to have full cell coverage while they are traveling overseas. Whether you are searching for general Europe SIM cards or more specific UK SIM cards for sale Brightroam has everything you will need.

Budget Phone Feature

Having an international phone while you travel out of the country can make all of the difference. You don’t want to be hit with massive roaming charges when you return from your trip. It also isn’t necessary anymore to pay for overpriced international phone cards. Get your international phone with SIM card today and make your travels easier and more affordable than ever.

How to Plan a Solo Trip

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Solo Trip

When it comes to traveling solo, there are lots of factors which need to be taken into consideration. By doing some initial research and asking yourself a few questions you can quickly build up a plan for the perfect trip. First of all, ask yourself the following issues:

1. What interests you? (tv shows, architecture, art, books, sports, etc. )
2. Where do you want to visit? (list a few countries)
3. How long do you want your trip to last?
4. What activities do you want to go on? (list things you like to do)

Write down all your answer, and then you can go about your research further.

As an example, I am going to answer them honestly myself. I like TV shows like Game of Thrones and all the period drama shows like Downton Abbey and Pride and Prejudice or anything by Jane Austen. I am also into the Vintage clothing. Sports wise I love cycling, tennis, and swimming. I also like architecture and old buildings and can appreciate good art. Places I would like to visit include England, Ireland, France and the Caribbean. I have only a week and activities wise I am up for anything. Water sports, tours, cycling, lazing on a beach and sightseeing. I love it all.

So let’s list my answers and see what I can come up with:

Interests

Downton Abbey
Game of Thrones
Vintage clothing
Jane Austen
Cycling
Tennis
Swimming

Countries

England
France
Ireland
Caribbean

Activities

Water sports
Tours
Cycling
Lazing on a beach
Sightseeing

how to plan a solo trip

Taking a look at my list, I decided to see if there are any solo cycling holidays in France and with a few clicks on Google I have found a website which offers just this. Only cycling holidays in France. I would want to do some more research on the company and check out reviews, but straight away I have one trip idea.

On some further searches, I have found another perfect trip idea. As I love English dramas like Downton Abbey and the regency period and architecture in general, a trip to England would be perfect. P and P tours offer elite tours which include a chauffeur, arrangement of air travel and tours which could include a visit to Longbourn which is the house used of Pride & Prejudice.

Another option is a lazy beach holiday in the Caribbean with water sports galore to keep me entertained. Again there are travel companies that offer just this and specialize in solo travel. I suspect you can get any holiday these days which cater to singles.

You can find pretty much anything with good old Google. The internet has changed the way we book holidays. The majority of us book our holidays online because it is cheaper full stop. There is a just a small percentage still going to local travel agency shops on the high street, but most of us compare and buy online.

Enjoy your dream holiday and don’t worry about being alone. I am often asked why I am single, and I often reply “I’m not single, I’m in a long term relationship with adventure and fun!”

 

How Do You Know You Have Too Much Debt?

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dept ratio

 

If you have a credit card and other forms of debt, you may have asked yourself, “How much debt is too much?” It’s important to know this limit, but it varies widely from individual to individual. As many people in the U.S. suffer from vast amounts of debt that can seem nearly impossible to pull out of, this is an essential answer to know before you get yourself into any financial trouble.

How much debt you can reasonably have is going to depend on a few different factors: what type of debt it is (such as mortgage, car note, school loans, credit cards, etc.), how much you accumulate monthly and, most importantly, how much income you are bringing in. If you are not bringing in enough revenue to balance out your debt at least in part, you may be getting close to a dangerous limit.

You do have a way to figure out how close you are to your debt limit: the debt-to-income ratio.

Debt-to-income Ratio

expense and income

The easiest way to think how much debt you can reasonably carry is by using your debt-to-income ratio. To calculate this ratio, you need to first add all of your regular monthly payments, such as your mortgage or rent, car note and insurance, school loans, minimum credit card payments and so on. You also need to know the total of your monthly income, which can include gross salary, overtime, alimony and annual bonuses divided by 12. Divide the number of monthly payments by the total of your monthly income—this figure is your debt-to-income ratio.

Once you have this ratio figured, out, you’re going to need to see what exactly it means on another scale of numbers. If your ratio is 36 percent or less, you have a healthy debt load, regarding most people. As for what lenders are looking for, 30 percent is ideal. If you scored 37 to 42 percent, this number isn’t too bad, but you need to start paring debt soon before you run any financial risks. A ratio of 43 to 49 means that you are in trouble unless you take immediate action, and a score of 50 percent or more will require that you seek professional help to combat your debt issues aggressively.

When It Makes Sense to Go Into Debt

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Sometimes, taking on some debt makes sense; other times, it does not. For example, if you are investing in a home, which will provide future equity, or your college education, which can improve your chances of getting a better job in the future, these may be sensible instances in which you would take on debt. Where you might run into trouble is if you sign for a house that is too big with payments that are far too heavy for your income or a school with tuition that is far out of reach for the position you might find yourself in the future. You need to weigh the pros and cons of the debt carefully before making your decision.

Then comes the question of credit card debt. Some people suggest that you never get a credit card to protect yourself from the temptation of going into such debt. Others say that credit cards are good for building good credit and getting yourself through the tougher times. You need to be even more sense when it comes to credit card debt because this compounding interest is where a lot of people find themselves in financial trouble.

Always keep a sound mind about the state of your finances, particularly if you are carrying around any debt. If you’re questioning whether or not you have too much, figure out your debt-to-income ratio, and go from there. You’ll be glad you did once you have the answer to that nagging question—regardless of the outcome.