How to Plan a Solo Trip

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:


Downton Abbey
Game of Thrones
Vintage clothing
Jane Austen




Water sports
Lazing on a beach

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?

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

Image Source

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.

How To Choose The Best Health Insurance

Health Insurance

If your future is secure, you have a peace of mind. It’s also important to protect your family from the financial burden of paying huge medical bills in the event of the unexpected. When you decide to take a health insurance in CA, make sure you get the right amount of cover matched with the correct policy. An insurer usually develops a financial structure, like the monthly premium payment of payroll tax, by estimating the health care and health system costs.

Forms of Premium

The obligation of the insured individual or group may take different forms:
1. A premium is the most common form. This is the amount a sponsor pays to a health plan so that beneficiaries can afford to buy health coverage.

2. Insured individuals may opt for a deductible system where they pay a certain amount either per month or annually before the insurance company pays its share.

3. Co-payment is another format where you pay a certain amount for a medical service and the insurer pays the balance.

4. Exclusions are forms where an individual is only covered for certain medical services only. You’ll be required to pay other uncovered services from your pocket.

Insurance Dos and Don’t

Health Insurance Plan
Here are some dos and don’ts when you decide to buy health insurance in CA.

1. Balance the benefit of your policy versus the impact on your pocket presently. Work out what you can spend on medical cover per month and try to use comprehensive policies that cover both life and health.

2. Do live a healthier life because it makes things cheaper. The more you live a healthier life the lower you will pay for medical cover. Monthly premiums increase with age and lifestyle. Smokers and those who have a risky occupation tend to pay more.

3. Do understand what happens if your insurer goes bust. Check whether your insurance company is backed up by a financial compensation scheme. In the unlikely event the go into default, the scheme will find another provider or a substitute policy.

4. Do only get cover for as long as is needed and for the relevant individuals. If you are taking a cover for your children, try and cover them until they no longer depend on you.

5. Use a cheap broker. These agents can negotiate for great commissions. However, ensure you are dealing with reputable companies that have a history of paying claims.

6. Don’t assume that joint cover is the same as two singles. If you are a couple, a joint policy is cheaper, however, get a quote for joint and single policies and work out which one is beneficial.

7. Don’t over or under cover yourself. Bear in mind that you might already be covered by your employer.

8. Don’t get into critical illness policies without a proper advice. The best option would be to get a level term cover and an income protection cover which does protect you from a range of eventualities.

The price of health and life insurance is affected by the increase in demand, new treatments and a need for more sophisticated medical testing. Visit David Ernstam Financial and Insurance website and find flexible and innovative products that might interest you and your family.