<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>International Traveling and Insurance</title>
	<atom:link href="http://www.stpatrickspresentsofmind.org/feed" rel="self" type="application/rss+xml" />
	<link>http://www.stpatrickspresentsofmind.org</link>
	<description>Travel Guard is travel insurance and assistance that travels with you</description>
	<lastBuildDate>Wed, 22 Feb 2012 05:14:04 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
		<item>
		<title></title>
		<link>http://www.stpatrickspresentsofmind.org/uncategorized/144.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/uncategorized/144.html#comments</comments>
		<pubDate>Wed, 22 Feb 2012 05:14:04 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[loss diet pills]]></category>
		<category><![CDATA[quick weight loss diet]]></category>
		<category><![CDATA[quick weight loss diet pills]]></category>
		<category><![CDATA[weight loss diet]]></category>
		<category><![CDATA[weight loss diet pills]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=144</guid>
		<description><![CDATA[Let me ask you something! Do you like something to be fast or slow? Well, I am sure that you like something which is very fast, especially when you are struggling on something that can make better. Loving anything fast makes quick weight loss diet pills are so wanted in this era. People are looking [...]]]></description>
			<content:encoded><![CDATA[<p>Let me ask you something! Do you like something to be fast or slow? Well, I am sure<br />
that you like something which is very fast, especially when you are struggling on something that<br />
can make better.<span id="more-144"></span> Loving anything fast makes <a href="http://www.slim9.com">quick weight loss diet pills</a> are so wanted in this<br />
era. People are looking for things that can instantly change their body weight in a very short<br />
time. However, is there any product of slimming pill that can actually make your body lose its<br />
fats in a very short time? Thankfully, there is a product which is called as Slim9. What is that?</p>
<p>When you are looking for some fast solutions in the internet for your weight problem,<br />
you might find that <a href="http://www.slim9.com">slim 9</a> are in the top of the list of Google search. Well, you do not have to<br />
be shocked by this kind of fact, there have been so many people who use the product and feel<br />
satisfied about this product because they experience something fast and wonderful. The Slim9<br />
product has been believed by so many people as one of the <a href="http://www.slim9.com/comparison.php">quickest weight loss pill</a> products<br />
ever. However, to make this product work, you will also need to exercise every day, too.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/uncategorized/144.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A New Insurance Niche &#8211; For Your Pets In 2012</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/a-new-insurance-niche-for-your-pets-in-2012.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/a-new-insurance-niche-for-your-pets-in-2012.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 16:01:45 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[affordable insurance]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[new insurance]]></category>
		<category><![CDATA[pet insurance companies]]></category>
		<category><![CDATA[typical animals]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=138</guid>
		<description><![CDATA[There are hundreds of insurance companies out there that offer to insure your needs, whatever those needs might be. Over the last few years however, there has been a trend in another type of insurance that insures other members of your family. This is not talking about your kids or your spouse; it is about [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">There are hundreds of insurance companies out there that offer to insure your needs, whatever those needs might be. Over the last few years however, there has been a trend in another type of insurance that insures other members of your family. This is not talking about your kids or your spouse; it is about man&#8217;s best friend and that brood of cats that you somehow ended up with over the years. It has been found out that pet insurance is an industry that is growing very quickly. In the last five years, the amount of money being pumped into pet insurance jumped by around five million dollars.<span id="more-138"></span></p>
<p>It has been found out that insurance for your pet can be relatively inexpensive and is usually cheaper than most people think it is. A policy for your cat, dog or other domesticated animal can range anywhere between ten and seventy five dollars per month. The cost depends on the type of animal you have, the age of the animal and whether or not the animal has any underlying conditions or health risks. Unfortunately, if your pet has a severe medical condition, it probably won&#8217;t be able to get covered under pet insurance. If you&#8217;re concerned because you have an exotic animal, there is actually pet insurance out there for non typical animals as well. Certain pet insurance companies will insure snakes, turtles and similar animals.</p>
<p>If you are interested in obtaining an insurance policy for your pet, then it is suggested getting the policy while the animal is young. Insurance premiums for older pets tend to be higher and some insurance companies will even refuse to insure a pet who is older than a certain age. Pet insurance policies work a lot like policies that human&#8217;s have for their medical needs, so the younger the pet is, the insurance company is going to think of them as healthier than older pets</p>
<p>A little simple research on the Internet can point you in the right direction of finding the best and most affordable insurance for your pet. There are hundreds of policies out there for all most any type of animal and several different options for the type of care that the insurance covers. It is a good idea to always read the fine print of pet insurance policies just like you would your own health insurance policies. The amount of coverage can decline and the premiums can go up as your pet ages.</p>
insurance]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/a-new-insurance-niche-for-your-pets-in-2012.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Direct Marketing for a New Insurance Agency</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/direct-marketing-for-a-new-insurance-agency.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/direct-marketing-for-a-new-insurance-agency.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 15:59:27 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[club schedules]]></category>
		<category><![CDATA[direct mail]]></category>
		<category><![CDATA[high school booster club]]></category>
		<category><![CDATA[insurance agency]]></category>
		<category><![CDATA[new insurance]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=137</guid>
		<description><![CDATA[Anyone who has been in the insurance industry for a long period of time will tell you that most of their business comes from word-of-mouth advertising. This is generally true and you can tell by the minimal amount of advertising that they do in the marketplace. Occasionally you will see small ads in high school [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Anyone who has been in the insurance industry for a long period of time will tell you that most of their business comes from word-of-mouth advertising. This is generally true and you can tell by the minimal amount of advertising that they do in the marketplace.<span id="more-137"></span></p>
<p>Occasionally you will see small ads in high school booster club schedules or other community-based marketing type places as the insurance agency ages. This is all well and good and generally happens because someone from a nonprofit group will come into the agency, which is also a client and look for someone to donate money to the group in trade for advertising.</p>
<p>But if you are a new insurance agency you will need to get clients and that is very difficult because no one really wants to buy insurance or even consider there might be a calamity in their life. Most people buy insurance because they take all loans for homes or cars and it is required by the lender or it is required by law.</p>
<p>One of the best ways to market a new insurance agency is to use direct mail in the appropriate ZIP codes and perhaps the areas where the demographics are slightly higher. A good account executive with a direct marketing and mailing company can help you decide where the best areas are and they have lots of data to show you, which is also of value. You might wish to consider direct marketing and direct mail and send your advertising through the U.S. mail if you own a new insurance agency.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/direct-marketing-for-a-new-insurance-agency.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Anybody Can Own Property in Brazil</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/anybody-can-own-property-in-brazil.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/anybody-can-own-property-in-brazil.html#comments</comments>
		<pubDate>Fri, 17 Feb 2012 15:53:19 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[amazon forest]]></category>
		<category><![CDATA[flood plains]]></category>
		<category><![CDATA[foreign nationals]]></category>
		<category><![CDATA[rio sao paulo]]></category>
		<category><![CDATA[south america brazil]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=133</guid>
		<description><![CDATA[Foreigners (non-Brazilians) are permitted to own property outright in Brazil. Also, foreigners have the same property rights as Brazilians and will obtain a free &#38; clear title to the property. It is no different than owning real estate in Europe or the U.S. Brazil is quickly becoming the world-leader in attracting foreign investment and immigration. [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Foreigners (non-Brazilians) are permitted to own property outright in Brazil. Also, foreigners have the same property rights as Brazilians and will obtain a free &amp; clear title to the property. It is no different than owning real estate in Europe or the U.S. Brazil is quickly becoming the world-leader in attracting foreign investment and immigration. <span id="more-133"></span>There are literally millions of foreign nationals in Brazil who own property and businesses. There is no risk since property ownership is guaranteed by the Constitution for Brazilians and foreigners. Land ownership is in perpetuity and always includes full mineral and water rights, since these cannot be separated from the land in Brazil. Title insurance is available from a USA based title company.</p>
<p style="text-align: justify;">OK, so you can own property in Brazil. Why would you want to?</p>
<p style="text-align: justify;">Brazil is home to the largest rain forest on earth, the largest river on earth, and to &#8220;Carnival&#8221; which is like a super version of Mardi Gras.</p>
<p style="text-align: justify;">Brazil has the sixth largest population in the world. Because of its size, there are only 15 people per sq. km, concentrated mainly along the coast and in the major cities, where two-thirds of the people now live: over 19 million in greater Sao Paulo and 10 million in greater Rio. Sao Paulo is arguably the most populous city on earth, having more than twice the population of New York City.</p>
<p style="text-align: justify;">Few countries offer as great a variety of environments. Brazil has more land mass than any other country in South America. In terms of area, the nation is fifth in the world, exceeded only by Russia, Canada, the USA and China, occupying almost half of South America. Brazil has contrasting ecosystems such as the Amazon Forest and the Atlantic Forest with their incredibly luxuriant woodlands, the Cerrado (scrublands) and the Caatinga (arid lands), the Pantanal (marshland) with its flood plains teeming with an amazingly rich chain of animal reproduction.</p>
<p style="text-align: justify;">Still not impressed? OK, would you be impressed if you could buy 50 acres of Brazilian Highlands for $15,000? Owner financing is available with no credit check and 10% down-payment.</p>
<p style="text-align: justify;">Area Description</p>
<p style="text-align: justify;">Unlike nearby Western Bahia state, SE Tocantins has seen little development. W. Bahia, with similar climatic and agronomic conditions as SE Tocantins, today (along with Matto Grosso) is the most developed agricultural area of frontier states, with highly productive farms, fertile soils (after correction) and conducive economic environment for agriculture. City of Louis Eduardo Manghales, center of farming activity of W. Bahia, is only about 120 km away from this farm. Farmers from south of Brazil, and American/Europeans discovered the area, and run very profitable farms, growing soybeans, beans, corn, rice, cotton, coffee. While climatic and agronomic prerequisites in SE Tocantins are similar with W. Bahia, uncleared land in W. Bahia is very expensive, while uncleared land in SE Tocantins is cheap and overlooked by prospective investors. Today SE Tocantins remains largely undeveloped. Ninety percent of land in my estimation is uncleared/unused. The rivers here are of exceptional natural beauty, and largely overlooked by Brazilians. Its only a matter of time before farmers and tourists discover the area and pave the way for a land boom of Matto Grosso and W. Bahia.</p>
<p style="text-align: justify;">Description of town&#8230;..20km (12 miles) away, Rio do Conseicao (Conseption River), pop. 2000. Brand new highway was built to connect this town at the end of the line. There is very little traffic. Town has all the basic necessities: two schools, medical clinic,- school and clinic are free (Brazil has free national health care available to all residents regardless of income level); supermarket, a couple of restaurants and bars, land phone line, cell phone coverage; no landline internet though, nor is there a gas station. Satellite internet service is available in even the most remote locations in Brazil, but it is expensive. Satellite internet service costs about $100 a month. A simple home can be bought for about US$10,000. In center of town, there is a river, Manuel Alves, with a rock beach; water is shallow, clean, and fast; beautiful waterfalls are just behind the bridge. On Sundays the whole town comes to this riverfront plaza.</p>
<p style="text-align: justify;">Dianopolis, a town of 20,000, is 40km (25 miles) from this farm. This town has everything, including modem and DSL internet access.</p>
<p style="text-align: justify;">Farm description&#8230;..Brazilian owner made available this 7500 acre farm to be sold in smaller parcels, 50, 100, 200 acre interior parcels. Scenery is of gently undulating grassland/scrubland, with view of mesas, and of a distant W. Bahia escarpment. Scenery is not unlike that of Arizona, but with 1500mm annual precipitation. Vegetation, shrubs and sparse grasses. It seems as though, to clear this land, one would only need a pass with a disc.</p>
<p style="text-align: justify;">Access&#8230;..A 12km wide sand road leads to this farm from a paved highway. To get to the farm you will need: 4&#215;4, or&#8230;pick-up, high suspension FWD, motorbike, or horse/burro. Access to lots within the farm, a tractor or other farm vehicle will easily override the terrain/vegetation. All lots have passage easements. Riverfront lots have 8 meter passage easement, for all to enjoy. Unfortunately, you will not be able to drive or ship any of your cars, motorcycles, trucks, or farm tractors from the USA to Brazil. Brazil is a major manufacturer of motor vehicles. The world&#8217;s largest Volkswagen production facility is located in Brazil, plus many other car, truck, and tractor companies are also located in Brazil. Brazil has strict import quotas and restrictive tariffs to discourage imported motor vehicles. If you buy property in Brazil and move here, you are allowed one household move, duty free and tariff free. It would be financially beneficial for you to take advantage of this generous allowance because normally all imported goods are subject to stiff import taxes. However, you may not include any motor vehicles in the household move. It would be best to just sell your motor vehicles where they are, and buy new ones in Brazil. The importation of your new or used motor vehicles into Brazil would be prohibitively expensive and problematic.</p>
<p style="text-align: justify;">Soil, is acid, low PH, quartzenic; sandy soil requires much less lime application than clay soil; white color on top, then several inches of gray sand with some organic matter, undersoil has a peach color. To correct fertility of this soil, two tons of limestone added to a hectare, and 800kg of fertilizer. I have observed local ranchers growing in their gardens: bananas, cassava/manioc, lemons, oranges, papayas, coconuts, cashews, mango, -without any soil correction. A wide variety of tropical fruits, nuts, spices, and other crops can be grown in this tropical area.</p>
<p style="text-align: justify;">This soil, as is, would be well suited for rice. Rice has a high domestic price. This soil is well suited to grow castor beans (mamona) with no soil correction. Mamona have 40% oil content and are used in Brazil for oil extraction to produce commercial grade bio-diesel fuel. These beans will grow in any soil, as is!</p>
<p style="text-align: justify;">Reforestation. Eucalyptus trees, southern pine, teak, and bamboo, &#8211; will grow in this soil as is, and are fast growing, can be cut in as little as 5 years, an acre will yield about 500 trees, can be used locally for fence posts, and beams.</p>
<p style="text-align: justify;">Grasses/cattle. Existing natural grasses are sparse and not liked much by cows. Seeded grass, one variety I saw in Tocantins, &#8216;brachiaria&#8217;, grows over 6 feet tall. Otherwise, land as is, can be grazed by sheep and goats.</p>
<p style="text-align: justify;">By state law, 35% of this land needs to be left in native state. This rule though, seems to be widely disregarded.</p>
<p style="text-align: justify;">Property taxes &#8211; Fortunately property taxes are very low in this area. Annual property taxes on a rural property here valued at $50,000 USD would be in the vicinity of $50 USD.</p>
<p style="text-align: justify;">Altitude, about 750 meters at higher elevation of farm, allowing for coffee plantation.</p>
<p style="text-align: justify;">Rivers in SE Tocantins, like I never seen before, are of exceptional natural beauty. River on this farm, Manuel Alvinho. About 10m wide, 1.5m deep; current, 5km/hour; small fish. One waterfall, several rapids. Water clarity, excellent. The river banks are of pink sand, and pink sandbars with palms, making for exceptionally attractive scenery. This farm has a waterfall, about 30 feet high, and several small rapids. You have to see the pictures, or visit, to believe. There are several springs along riverfront. Some riverfront spots are of waterlogged, but firm sand. Water from higher elevations percolates slowly down into the valley, feeding the river year-round. These perpetually wet sands would make for a unique irrigated field, making for unusual plantations. Well water, depending distance from the river, from 5m to 60m deep. Highest vs. lowest elevation on farm, I estimate about 150 feet difference.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/anybody-can-own-property-in-brazil.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Finding the Best Order Fulfillment Service in Canada</title>
		<link>http://www.stpatrickspresentsofmind.org/uncategorized/finding-the-best-order-fulfillment-service-in-canada.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/uncategorized/finding-the-best-order-fulfillment-service-in-canada.html#comments</comments>
		<pubDate>Wed, 09 Nov 2011 02:23:03 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[course money]]></category>
		<category><![CDATA[delivery company]]></category>
		<category><![CDATA[order fulfillment service]]></category>
		<category><![CDATA[time energy]]></category>
		<category><![CDATA[waste of time]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=129</guid>
		<description><![CDATA[In the business of drop shipping your goods to Canada, you will absolutely need the best service to make sure you can deliver the goods well to the wholesaler or customers. There are many services of order fulfillment canada that you can use, even though not all of them can be said as the best [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">In the business of drop shipping your goods to Canada, you will absolutely need the best service to make sure you can deliver the goods well to the wholesaler or customers. There are many services of <a href="http://www.drop360.com/" target="_blank">order fulfillment canada</a> that you can use, even though not all of them can be said as the best one. <span id="more-129"></span>Finding the best one among all of these offerings of order fulfillment in Canada might be hard if you are not used to them, considering you are not Canadian. But there are many services that you can use to make things easier for you to get the best and most reliable order fulfillment service in Canada.</p>
<p style="text-align: justify;">
<p style="text-align: justify;">There is no need to pre-visit Canada to look for the best order fulfillment service in the area that will take a good care of your goods once the package is shipped. This will absolutely be a waste of time, energy and of course money, since you can virtually visit Canada from the internet.</p>
<p style="text-align: justify;">
<p style="text-align: justify;">By searching for the reviews of each order fulfillment, drop shipping and delivery company in Canada, you will see how good or bad their performance is. This will eventually help you to select the best one without even seeing them directly in Canada.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/uncategorized/finding-the-best-order-fulfillment-service-in-canada.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Travel Insurance &#8211; Positives and Negatives</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-positives-and-negatives.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-positives-and-negatives.html#comments</comments>
		<pubDate>Tue, 25 Oct 2011 15:22:43 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[accidents and emergencies]]></category>
		<category><![CDATA[holiday insurance]]></category>
		<category><![CDATA[hospital benefit]]></category>
		<category><![CDATA[medical accidents]]></category>
		<category><![CDATA[worrywarts]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=123</guid>
		<description><![CDATA[If you are a glass-half-full type of person you may not give much thought to the things that could go wrong when you travel overseas on holiday. You may even believe that travel insurance is an unnecessary expense. Some people are so optimistic that they think someone else will pick up the pieces of their [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>If you are a glass-half-full type of person you may not give much thought to the things that could go wrong when you travel overseas on holiday. You may even believe that travel insurance is an unnecessary expense. Some people are so optimistic that they think someone else will pick up the pieces of their broken holiday and pay the bills for them if things go pear-shaped.<span id="more-123"></span></p>
<p>The glass-half-empty camp, however, are often more likely to be the worrywarts of the world, anticipating disaster and spending hours making sure they purchase the correct travel insurance. They check the policy document again and again to ensure that all planned activities are covered. They are often also the ones most likely to call the insurance company with additional questions &#8211; just to be sure &#8211; and why not! It is no good waiting until things go awry to start checking your policy document to find out whether you are covered for a specific incident or activity.</p>
<p>There is a saying that opposites attract, so in an ideal world a &#8216;half-full&#8217; personality should pair up with a &#8216;half-empty&#8217; &#8211; and everything would balance out so that they both have the safety net of travel insurance for their holidays!</p>
<p>By now, anyone who has read articles about travel insurance should have some idea of the importance of taking out holiday insurance, no matter whether it is for a short city break, or round-the-world trip. Many people are unaware that most insurance policies also provide cover for travel within your own country of residence, usually with the requirement that accommodation for two or more nights has been booked in advance.</p>
<p>The cost of travel insurance is tiny compared to the potentially astronomical costs if things should go horribly wrong. It covers a range of travel-related problems, such as:</p>
<ul>
<li>Medical accidents and emergencies and hospital benefit</li>
<li>Liability claims and legal expenses</li>
<li>Cancellation and curtailment</li>
<li>Personal accident</li>
<li>Personal effects and baggage</li>
<li>Scheduled airline failure</li>
<li>Catastrophe cover</li>
<li>Mugging</li>
<li>Travel delay</li>
<li>Hijack</li>
<li>Missed departure</li>
<li>Pet care</li>
</ul>
<p>If you are already thinking about next season&#8217;s ski or snowboarding trip why not put a reminder on your &#8216;to do&#8217; list to purchase holiday insurance with winter sports cover. An accident on the slopes very often involves broken bones and head injuries, all of which are all very expensive to treat. If you are heading to the U.S. or Canada where medical costs are wallet-numbingly high, then it is vital to have a good ski insurance policy in place. Check that the policy includes adequate cover for medical expenses as well as cover for mountain rescue, helicopter evacuation, and air ambulance to repatriate you (if this should become necessary). Bills for these costs are very expensive and it is your responsibility (and yours alone) to pay them. Many travellers are under the false impression that their consulate or embassy will pay these costs if they do not have insurance, but that is not the case.</p>
<p>When purchasing holiday insurance it is important to review the &#8216;Schedule of Cover&#8217;; this is the section that sets out the various aspects of the insurance and the amount of cover provided for each under your chosen plan. Most companies will offer different levels of cover, from a Basic policy up to a Premier &#8211; meaning increasingly higher levels of cover and a corresponding increase in the premium.</p>
<p>Your choice of &#8216;level of cover&#8217; may depend largely on your destination country. If you are just hopping across to Europe for a city break for a few days you may decide not to take out as much insurance as if you were going skiing in Colorado or river rafting in South America. If in doubt, always call the company and ask for advice before you buy.</p>
<p>If you live in a participating member country of the European Union always carry the European Health Insurance Card (EHIC) when travelling within the EU. However, remember that the EHIC should be carried <strong>in addition</strong> to travel insurance, not as a substitute. The EHIC usually provides cover for emergency treatment on the same level as a national of that country. However, it does not cover non-urgent treatment, ongoing treatment or medical repatriation by air ambulance. It also does not cover lost or stolen luggage or property and a host of other travel-related mishaps that are all potentially very costly without insurance.</p>
<p>A basic cheap travel insurance policy or cheap Backpacker insurance policy is better than no policy at all, and additional cover can usually be purchased to provide cover for extras such as winter sports, business equipment, golf cover and photographic equipment.</p>
<p>It is wonderful to have a positive attitude to life, but trusting your holiday to &#8216;luck&#8217; could be a very big &#8211; and costly &#8211; mistake. If you do not have travel insurance it could even result in financial ruin, and that would certainly wipe the smile off the face of even the most annoyingly optimistic person! Being a naturally happy-go-lucky person is a personality trait that should be preserved, so why risk shattering your holiday dreams &#8211; and that precious half-full glass&#8230;</p>
</div>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-positives-and-negatives.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Travel Insurance &#8211; Avoid Becoming a Statistic</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-avoid-becoming-a-statistic.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-avoid-becoming-a-statistic.html#comments</comments>
		<pubDate>Tue, 25 Oct 2011 15:22:14 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[british foreign office]]></category>
		<category><![CDATA[british travel agents]]></category>
		<category><![CDATA[british travellers]]></category>
		<category><![CDATA[free travel advice]]></category>
		<category><![CDATA[stag parties]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=124</guid>
		<description><![CDATA[We have all seen and read media reports and statistics about the perils of not taking out travel insurance. There is certainly plenty of information on the internet for travellers regarding the importance of insurance. Despite this, however, recent research by the Association of British Travel Agents (ABTA) indicates that one in five British travellers [...]]]></description>
			<content:encoded><![CDATA[<div id="article-content" style="text-align: justify;">
<p>We have all seen and read media reports and statistics about the perils of not taking out travel insurance. There is certainly plenty of information on the internet for travellers regarding the importance of insurance. Despite this, however, recent research by the Association of British Travel Agents (ABTA) indicates that one in five British travellers still neglect to take out travel insurance for their trips and holidays.<span id="more-124"></span></p>
<p>The British Foreign Office and their &#8216;Know Before You Go&#8217; service provides excellent and free travel advice and country information to assist travellers before they set off. They also warn of the potentially dire financial consequences for those who risk setting off without travel insurance.</p>
<p>It appears that despite all the warnings many holidaymakers are still either unaware of the risk they are taking, or prepared to take a chance. This is a case of false economy as the cost of travel insurance is very cheap compared to the bills that could mount up over problems that arise while travelling overseas.</p>
<p>The ABTA research has shown that younger travellers, mainly the 15-24 age group, are the most uninformed as they believe that if anything bad happens to them while abroad the government will pick up the cost and take care of it for them. This could not be further from the truth. Many young travellers go abroad with friends, or on adventure holidays, or for Hen or Stag parties so are at particular risk. However, it is important to remember that if intoxication or rowdy behaviour result in injury, fines, or arrest your consulate or embassy cannot pay the bills for you or secure your release.</p>
<p>The sad reality for the families or parents of young travellers who get into trouble abroad is that they are going to receive a desperate telephone call for help and will have no option but to come up with the needed funds. The British Embassy or Consulate will go as far as making calls and contacting friends and relatives for them and advise on the transfer of funds, but that is about the extent of their assistance. The government does not cover payments for hospital treatment, nor does it pay to fly anyone home (repatriate them) or provide funds if they run out of money, get arrested, or have all their money and possessions stolen.</p>
<p>If a traveller is seriously injured or ill and needs to be flown home by air ambulance the costs are truly frightening &#8211; running into thousands of pounds for those who do not have adequate travel insurance.</p>
<p>Single Trip travel insurance can be surprisingly cheap, and even the minimum amount of cover it provides can be vital. For young travellers Backpacker policies are very affordable and still provide the necessary cover for medical treatment, liability and legal expenses. There are, of course, terms and conditions as with any type of insurance and policies differ from company to company so it is important to check. Having that insurance policy tucked in your pocket or hand luggage is not a license to act irresponsibly, or put yourself in harm&#8217;s way. It is unlikely to cover incidents that are found to be related to the excessive consumption of alcohol or drug use.</p>
<p>The European Health Insurance Card (EHIC) provides a level of cover for emergency medical treatment in participating member countries, and it is important to carry this (free) card, along with comprehensive travel insurance &#8211; but never<strong> <em>instead</em> </strong>of insurance. The EHIC does not cover anything much other than emergency medical expenses, and does not cover non-urgent or follow-up care. It also does not cover the cost of medical repatriation by air ambulance, if this should become necessary.</p>
<p>Repatriation costs can amount to as much as £45,000 from the East Coast of the USA, up to £16,000 from destinations like Tenerife, and up to £20,000 from destinations &#8216;down under&#8217;. Consider whether you have that sort of disposable money lying around? Most people do not!</p>
<p>Imagine suddenly finding yourself responsible for debt of this kind, either for yourself or for a travelling dependent. In these harsh economical times unexpected expenses of this kind would be totally devastating. Why take such a risk?</p>
<p>For the relatively small cost of insurance you are purchasing peace of mind and, with any luck, you may never need to use it. Consider that most travel insurance will cover costs for common and expensive travel mishaps, including:</p>
<ul>
<li>Emergency medical treatment for injury or illness</li>
<li>Repatriation by air ambulance</li>
<li>Lost luggage or stolen money, credit cards and possessions</li>
<li>Personal liability (in case of a lawsuit for damage to property or persons)</li>
<li>Cover for Legal Expenses</li>
<li>Cancellation of your trip (for covered reasons)</li>
<li>Curtailment of your trip (cutting short your trip)</li>
<li>Scheduled Airline failure</li>
<li>Personal accident cover for death or disability</li>
</ul>
<p>It is all too easy to spend a lot of time surfing the internet looking for cheap holidays or travel deals, but forget that it is equally important to take time to purchase travel insurance, and to check what it does and does not include. If unsure, always call and ask &#8211; don&#8217;t leave it to chance.</p>
<p>If you are not sure whether you might decide to go river rafting, bungee jumping or skiing on your holiday it is important to ensure that you will be covered for these activities and, if necessary, purchase additional cover.</p>
<p>Avoid being tempted to opt for the cheapest policy that you find on a comparison site. Take the time to check that you are getting adequate levels of cover for your money and that all your planned activities are covered. A very cheap policy may have cut the levels of cover where you most need it, or raised &#8216;excess&#8217; levels (the amount that you contribute towards a claim) in order to tempt you with a cheap quote.</p>
<p>If you plan to make more than one trip in a year it is sensible to save money by opting for the Annual Multi-trip policy as this will work out cheaper in the long run.</p>
<p>Having an accident or mishap while on holiday is often unavoidable, and always inconvenient. However, facing financial ruin and becoming a statistic because you neglected to take out travel insurance is something that is completely avoidable!</p>
</div>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/travel-insurance-avoid-becoming-a-statistic.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Comparing Hotel’s Service Correctly</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/comparing-hotel%e2%80%99s-service-correctly.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/comparing-hotel%e2%80%99s-service-correctly.html#comments</comments>
		<pubDate>Fri, 21 Oct 2011 09:02:28 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[lodging places]]></category>
		<category><![CDATA[meeting hall]]></category>
		<category><![CDATA[parking lots]]></category>
		<category><![CDATA[place on earth]]></category>
		<category><![CDATA[san diego hotel]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=112</guid>
		<description><![CDATA[Comparing services and conditions of San Diego hotel and any other lodging places can now be done much easily with the help of your internet connection. You just need to find the most updated reviews for any of those hotels and lodging places and thus, commence your own comparison right away. There are multiple benefits [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Comparing services and conditions of <a href="http://www.choicehotels.com/san_diego-california-hotels" target="_blank">San Diego hotel</a> and any other lodging places can now be done much easily with the help of your internet connection. You just need to find the most updated reviews for any of those hotels and lodging places and thus, commence your own comparison right away. There are multiple benefits you can get for doing such comparison if you are in the need of finding the best place to stay in that area or its vicinities.<span id="more-112"></span></p>
<p style="text-align: justify;">And among the best evident benefit is that you can simply find out which hotel is offering you the best services along with the best rates suitable with your own budgets. And you have been made possible of doing this since those reviews do contain many specific details about the hotels’ best and worst services. However, you need to be particularly mindful when doing such comparison. That is to say, knowing what are worst services a hotel has does not always means it is the worst services you might be going to get automatically, and so is the case in vice versa.</p>
<p style="text-align: justify;">In order to take the fullest benefit from your comparison, you do need to back track all of those worst services and check every single one of them with your own conditions of staying. For instance, if a certain hotel has been reportedly having a worst place of parking lots, while you have nothing to drive or ride when coming to the town, then even if that parking lots turn out to be the most terrible place on earth, they still affect you nothing. Similar case applies on the contrary. For a hotel having the best meeting hall in the whole world means nothing to you if you are travelling alone and has no plan whatsoever of chairing any one of them in the town.</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/comparing-hotel%e2%80%99s-service-correctly.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Advantages of Shipping Ahead Your Luggage</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/advantages-of-shipping-ahead-your-luggage.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/advantages-of-shipping-ahead-your-luggage.html#comments</comments>
		<pubDate>Fri, 21 Oct 2011 08:57:12 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Travel]]></category>
		<category><![CDATA[baggage shipping]]></category>
		<category><![CDATA[belongings]]></category>
		<category><![CDATA[luggage]]></category>
		<category><![CDATA[probable cause]]></category>
		<category><![CDATA[shipping service]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=113</guid>
		<description><![CDATA[Why bother carrying all of those big heavy bags and luggage during your travel if you can dispatch then first to any spot of your current destinations? Yes, you can really do such Luggage Shipping to ease your travel a lot. And not just to ease actually, for you may also get many advantages if [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Why bother carrying all of those big heavy bags and luggage during your travel if you can dispatch then first to any spot of your current destinations? Yes, you can really do such <a href="http://www.luggagefree.com/" target="_blank">Luggage Shipping</a> to ease your travel a lot. And not just to ease actually, for you may also get many advantages if you send your heavy belongings first to your current destination.<span id="more-113"></span></p>
<p style="text-align: justify;"> Now let consider a bit of those benefits. First of all, travelling is always fun, yes. But not when it comes to carrying luggage. Such big bags do require a lot of energy to carry or drag them here and there. And this ‘here and there’ walking or running, such as those you usually do in the airport when taking care of your documents, tickets, finding snacks or meals, or even catching taxies, just happen to constitute quite a large part of your travelling activities, right? And even with all of those running and walking, you still need to drag those heavy baggage and luggage all around! Sure you do not want those heavy bags to get ahead to your destination?</p>
<p style="text-align: justify;"> The other more considerate benefit of choosing <a href="http://www.luggagefree.com/" target="_blank">Baggage Shipping</a> service is that of security. When you are travelling, you do need to travel with all the feeling of being secured. When you are coming in any of your foreign destination, like it or not, you are forced to deal with many strangers that you do not know them well in as much as they do to you. And that really is a lot of sentiments in the air here. Anything could just happen as much as anything could not. But what is clear is that dragging all of those big heavy and bulky belongings does attract attention for any probable cause and purpose! Now, are you really truly sure you still want to drag such bulkiness during your journey?</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/advantages-of-shipping-ahead-your-luggage.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2011 Travel Insurance</title>
		<link>http://www.stpatrickspresentsofmind.org/travel/2011-travel-insurance.html</link>
		<comments>http://www.stpatrickspresentsofmind.org/travel/2011-travel-insurance.html#comments</comments>
		<pubDate>Sat, 15 Oct 2011 14:56:20 +0000</pubDate>
		<dc:creator>admine</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[death insurance]]></category>
		<category><![CDATA[emergency medical treatment]]></category>
		<category><![CDATA[insurance plan]]></category>
		<category><![CDATA[medical evacuation]]></category>
		<category><![CDATA[travel insurance]]></category>

		<guid isPermaLink="false">http://www.stpatrickspresentsofmind.org/?p=102</guid>
		<description><![CDATA[Travel insurance give protection against traveling problems like traveler&#8217;s holiday costs against adverse events such as cancellation and interruption. It also recoups medical expenses, the loss or damage of property and transit delays. Travelers are compensated if they have to cancel or interrupt their travel; they will also be covered should they need emergency medical [...]]]></description>
			<content:encoded><![CDATA[<p style="text-align: justify;">Travel insurance give protection against traveling problems like traveler&#8217;s holiday costs against adverse events such as cancellation and interruption. It also recoups medical expenses, the loss or damage of property and transit delays. Travelers are compensated if they have to cancel or interrupt their travel; they will also be covered should they need emergency medical treatment, medical evacuation and other situations.<span id="more-102"></span></p>
<p style="text-align: justify;">The main categories that travel insurance covers are delays and cancellation including curtailment, medical reasons which include medical and health reasons, medical evacuation. It also pays in case of traveler&#8217;s death due to air flight accident, common carrier and accidental death. The last category is loss or damage of personal effects such as baggage loss, rental Car damage and assistance services. The cost of travel insurance is based on the number of people traveling and the value of the trip. You can buy travel insurance from a travel agent or tour operator.</p>
<p style="text-align: justify;">Travel insurance is designed to provide compensation for anything that could go wrong while you are away. It covers all the things from canceling of your trip to losing your suitcases. Before leaving on vacation, make sure you have adequate insurance. Sometimes the vacations cost thousands of dollars so it is important to have the proper insurance protection. There are four major types of travel insurance. The first one is trip cancellation insurance which would reimburse you if the cruise line or tour operator goes out of business. It would also provide coverage if you have to cancel the trip due to sickness, a death in the family or another calamity listed in the policy. The other one is baggage Insurance or personal effects coverage which provide coverage if your personal belongings are lost, stolen or damaged during the trip. The emergency medical assistance provides insurance and medical assistance for travelers. It would cover if you had to be airlifted off a mountain due to a skiing or hiking accident or if you had to stay for a prolonged period of time in a foreign hospital. It would also provide coverage if you got seriously sick or were injured and needed to be flown home. The last one is accidental death insurance which provides a variety of coverage if you or a family member dies on the trip. If you have a good life insurance plan or made other financial provisions for your loved ones, this may be duplicate insurance.</p>
<p>&nbsp;</p>
]]></content:encoded>
			<wfw:commentRss>http://www.stpatrickspresentsofmind.org/travel/2011-travel-insurance.html/feed</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>

