Couples Vacations

Every couple need some time off to recuperate and rekindle their intimacy. Couples vacations provide opportunities for couples to discover various parts of the world and spend some time all by themselves, away from the stress of everyday life.

There are a huge number of tour operators who offer a wide variety of vacation packages for couples to almost all parts of the world. The location and duration of the vacation depends on a number of factors such as the time available, budget, and the type of vacation they want.

Vacations can range from adventure trekking to getaways at spa resorts and relaxing amongst idyllic surroundings at beautiful beaches. Some vacations involve a lot of physical exertion such as long walks, mountain climbing, and other activities. Others mostly involve rest and relaxation.

Most resorts and vacation places provide various kinds of service, depending on the charges they levy and their ratings. Most package tours have all-inclusive features that include a host of features and facilities.

Some of the facilities that can be expected at most vacation resorts are rooms at star hotels, pools, bars, gyms, spas, and tennis courts. If beaches are available, diving, snorkeling, swimming, and yachting are popular activities.

However, vacations do not always have to be at beaches or resorts. A lot of couples prefer sightseeing and like to gain some knowledge about the country, culture, and customs of the people among whom the vacation is enjoyed. Traveling to different cities in that country, photography and mingling with the people would be their main pastimes.

Hundreds of tour operators can be found on the Internet. All of them list the various destinies, the kind of service to expect and other details including prices.

Couples who wish to minimize costs can choose to plan their own vacations. This planning must take into account all possible situations including food, lodging accommodations, type of people, and the geographical nature of the area. Proper planning ensures a safe, incident free vacation.

Setup Web Hosting – Get Connected

When you are ready to setup web hosting for your website, there are many different options to choose from. In order for you to get your website live to the internet, you have to point your website files to your host. This is called FTP or File Transfer Protocol. Websites can have large files and FTP is a way to upload your website files to your host.

When you setup your host all you are doing is renting web space and bandwidth from a company. In return your upload files and your website is live to the internet. Depending on the kind of website you have your hosting plan will vary. I have listed some key terms when purchasing a web hosting plan to look out for.

  • Bandwidth (your traffic funnel)
  • Storage (depending on the size of your website)
  • Up time (this is when you server is up)
  • How many e-mail accounts (depending on your number of employees).

What ever you do stay away from the free hosts, if you care about your customers and business. I know free sounds good, but when we are talking about your host it is not. I will list some downfalls when choosing a free web host.

  • Unreliable (here today gone tomorrow with your website).
  • No real domain (you use a sub domain of their domain name such as your-name.their-domain.com). You can not build a customer base with that name.
  • They have the right to cancel you at anytime for any reason (your return customers have no website to return to).
  • Pop ups all the time on your website not even relevant to your content.

Web hosting is affordable with plans that start out about $ 3.99 a month for a basic plan which is plenty for a simple website. I hope this article has helped you in some way, so when you decide to get your website live to the internet you will be one step ahead.

How to Manage Your Personal Finances – Retirement Capital Requirements

Many articles have been written about the subject of retirement planning and there are many books published by experts on this very important issue. I have just recently joined the fold of the retired group and I have been through the mill (so to speak) of planning and implementing my retirement plan in it's initial phase. It is this, the initial phase, which I would like to concentrate on in this article.

So, how do I plan my retirement date?

Most companies have contractual dates for retirement. For example, retirement ages could range from 55 years old for early retirement to 60 years old for Directors to 65 years old for operational staff. These dates are generally a guideline since companies do exercise some flexibility when applying these parameters. However, each individual should be using these parameters as a benchmark and then build a projected financial model to see if they are adequately provided for in retirement. Note: The use of a financial advisor is highly recommended in this planning process.

Since the above guidelines, your retirement date is in fact flexible provided that you can satisfy the golden formula which is expressed as: "Accrued income plus passive income must exceed your current cost of living plus an adjustment (up or down) for lifestyle choice in retirement plus inflation projections and sufficient liquid cash for emergencies ".

Let's face it, the thought of early retirement is in the minds of all of us but if you can not afford it, you are heading for suicide.

Let me expand the golden formula as follows:

  • Accrued income is the monthly pension or income that you can derive from your pension accumulation through your working life. This figure will be provided to you by your pension fund or your investment institution.
  • Passive income is income from investments that you made through your working life. Here you consider regular income from property investments, equity investments, dividends, savings interest, business partnerships and any other form of reliable income which you will derive on a monthly basis.
  • Current cost of living is the full annual cost of your current lifestyle. Be extravagant in estimating this figure and be sure to include everything that you incur as a cost.
  • Adjust your retirement requirements up or down depending on your circumstances and your intended lifestyle in retirement.
  • Make adequate provision for injury during your retirement years. Your financial advisor should project your retirement capital adequacy over your expected lifespan.
  • Ensure that you have a 'nestegg "of cash available for emergencies such as buying a new car, unexpected medical bills, renovating your house, helping your kids, taking some holidays and anything else which is relevant to your situation.

I spend many hours pondering the above elements and I suppose it is only natural to be very conservative about whether you can actually go ahead and retire. Assuming that the criteria for the golden formula are met and in order to make the decision a little easier, the following points are highly recommended:

  • You should have no heavy debt burdens. Your mortgage should be paid off, your car hire purchase agreements should be settled and you should have no major debt commitments. In fact, you should be able to live from cash out of your wallet.
  • Your "wish list" for your activities in retirement must be catered for in your planned expenditure.
  • You must not have any plans that requires you to erode your capital base.
  • You need to be sure that your monthly income is pretty secure and you need to have alternative plans if for some reason, your monthly income drops.
  • You need to be able to save some of your retirement income monthly just to prove that you are coping.

In this planning exercise, you need to budget for everything that you want in retirement. Once you have taken the step, there is no turning back if you are serious about retiring. You also do not want to find out that you can not afford some of the things which you had in your vision.

In conclusion, the most important factor in planning your retirement is to ensure that your life partner (if appropriate) is fully informed and on board with the plan and that you create a mutual acceptance and arbitration about your future in retirement.

The above article is created to stimulate thought on your own unique circumstances and you need to tailor your plan accordingly.

What to Do When the Debt Collector Sues

If you're behind paying your bills – and who is not, these days? – it's tempting to let the mail pile up. After all, who wants to face yet another reminder that their financial house is not in order? Ignoring the bills and debt collection calls can have a significant drawback, however, if a debt collection agency decides to take you to court.

Increasingly, debt collectors are using the court system not as their last line of defense, but as their first line of indemnity. There have been numerous reports in the mainstream media about debt collection attorneys filing hundreds of cases a week using automated software. Nonprofit organizations in New York City recently issued a report detailing the ways in which debt collectors routinely target lower income residents with lawsuits.

According to the law, you must be informed if you're being sued. Often, however, debt collection agencies do an end run around the law and do not notify the consumer (that's what the New York City study revealed). Other times, consumers let the mail pile up, not knowing that it contains legal documents that require their attention. Still other times, consumers know that they're being sued, but do not know how to go about defending themselves, and so either show up for court unprepared or do not show up at all. A recent survey of sentences conducted by the American Bar Association found that consumers who represent themselves in court do so to their own detriment, in that the have less favorable outputs than consumers who are represented by attorneys. For consumers who do not attend the legal proceedings, the judge has no real choice but to rule in favor of the debt collector.

Once you have a legal judgment against you, life can become even more difficult than it already is. If you do not have a job or any assets, you may think that a legal judgment can not do any real harm. After all, they can not squeeze blood out of a proverbial turnip, can they? That may be true, but chances are good that, ever, your financial situation will change. When it does, a debt collection agency will swoop in to collect on the judgment. In fact, there's been buzz in the debt collection industry about how it's time to get out those old judgments. Their thinking is that the economy is slowly improving, people are starting to go back to work, and the judgments will soon be enforceable. What does that mean? If you have a lawsuit against you and you get a new job, the debt collection agency could garnish your wages. It will feel like one step forward and two steps backwards.

The bottom line? If you're in a position where you might be sued by a debt collection agency, you need to keep an eye on any potential legal proceedings. If you're sued by a debt collector, you should mount a rigorous defense with the help of an attorney. Often, a fair debt attorney can help you to avoid a judgment, and sometimes even get the debt dismissed.