What You Didn't Know About Hurricanes and Travel Insurance


ST. PETE BEACH, Fla., Sept. 26 --  Most travelers assume they are covered in the event of a mandatory evacuation. While this is true of some policies, you may be surprised  to find that this coverage is not provided for most of the products on  the market. Unfortunately, the term "mandatory evacuation" is not  mentioned in most insurance policy certificates. Where it is listed,  it relates to non-weather evacuation. You should instead look for the  following terms:

1) Complete cessation of your Common Carrier services for 24 hours

2) Complete cessation of your travel supplier services for 24 hours

3) Accommodation at destination rendered uninhabitable

1) Complete cessation of your Common Carrier usually means the airport
has to be closed for a certain number of hours in order for a claim
to be valid. If your accommodation is under a mandatory evacuation
order and the airport stays open you cannot make a claim. Also note
the word "your" in this term. If you are driving or have not used
an airline then you may not be covered because you do not have a
Common Carrier that has ceased services.

2) Complete cessation of travel supplier is the term to look for. This
usually means the hotel, condo or other accommodation has to be
unavailable for a certain number of hours in order to claim. In
this instance, you would be able to claim for a mandatory evacuation
because your travel supplier can no longer provide you with
accommodation. However, this coverage is only available if the
accommodation is provided by a company licensed to provide that
service, which most hotels or property managers would be. If you
are staying in a friend's property then you will not be able to make
a claim here either.

3) Accommodation being rendered uninhabitable means your hotel, condo,
etc. either flooded or was damaged so much you cannot continue to
stay there. We assume you will have been evacuated long before this
happens anyway, so in most cases, you will be back to points 1 and 2.


One insurance agent (http://www.squaremouth.com) breaks down the
hurricane coverage as a separate element detailing whether mandatory
evacuation is covered - without the need to wade through pages of
policy certificates.

Chris Harvey, president of squaremouth.com, says, "We are based in
St. Pete Beach in Tampa Bay, Florida, so we are acutely aware of the
issues surrounding the potential cancellation or disruption of your
vacation from hurricanes."
squaremouth.com is a website that specializes in comparing all the major travel insurance plans. The site has unique research
capabilities as well as provides instant quotes, coverage and
immediate purchase confirmation.

For more information, contact Chris Harvey at 727-490-5802 or
charvey@squaremouth.com, or visit http://www.squaremouth.com or
http://www.quotetravelinsurance.com

CONTACT:

Chris Harvey
squaremouth.com
Toll-Free: (800) 240-0369
Direct Line: (727) 490-5802
charvey@squaremouth.com
http://www.squaremouth.com
 

 

 

 

 

RV Vacations: Ten Tips

by Jill Ferrer
Perhaps you have wondered about taking an RV vacation. It seems like fun and you'd like to try it, but you aren't sure if it's for you. Well, it's a growing industry. Annual RV retail sales topped $14 billion in 2004. As baby boomers take to the road, the RVing pastime and lifestyle are becoming increasingly popular. If you have a hint of the RV itch, then here are 10 common reasons for taking an RV vacation:

 

     

     

  1. Getting Back to Nature: If you are interested in the great outdoors, an RV is a great way to vacation. You can visit state or national parks, tour famous landmarks and simply enjoy some fresh air and natural settings. Take a hike or go fishing. Try white water rafting or canoeing. Play some golf, go swimming, ride your bike. Get some exercise or simply do nothing but enjoy your surroundings.

     

     

  2. The Comforts of Home: In an RV, you can have the best of both worlds. Enjoy the great outdoors with more creature comforts than tent camping. Whether you own an RV or try a rental, most RVs are well equipped. You will likely have a kitchen with microwave, fridge and stove, a TV and VCR, beds, living and dining areas and bathroom with shower. Many RVs have slide out rooms that increase the living area at the touch of a button. You can sit outside under your awning, get out of the rain if the weather changes, and turn on the air conditioner if it gets too hot.

     

     

  3. Family Matters: Family members of all ages tend to connect with each other when they are away from their normal routine enjoying a simpler lifestyle. Remember that family togetherness can be a double-edged sword. While the RV is comfortable, it is a small living area for a large family. If you are renting, bear this in mind in choosing the size of your rental RV. During the day, try to spend time outdoors or in different activities, so that each family member gets a bit of personal space and time for themselves. But the minor logistics can be managed. The general consensus among RVing families is that an RV vacation tends to bring the family closer together with more communication and the sharing of good times.

     

     

  4. Cool for Kids: An RV vacation can be a great way to travel with children. They can go out to play or take part in campground activities. There are likely to be other kids to meet and new places to explore. Children of all ages will enjoy an old-fashioned campfire complete with stories, songs and stargazing. And most kids think it's pretty cool to be in an RV "home on wheels".

     

     

  5. Campgrounds: There are many choices in campgrounds and RV parks. In peak season and tourist areas, you should make reservations. Look for the amenities that are important to you. Campgrounds may have swimming pools, lakes, boating, fishing ponds, miniature golf, playgrounds, hiking trails, game rooms, walking or bike paths, tennis courts and activities for kids and adults. You may find dances, barbeques, contests or other entertainment. RV Clubs are worth joining to get campground discounts and other services. Consider the size and setting of the campsites and check out overall campground ratings in campground directories. Also consider proximity to other attractions or landmarks that you want to visit.

     

     

  6. Flexibility: In an RV, you have the flexibility to change locations if you get the whim. But take this with a grain of salt. For popular destinations, you may not be able to pick up and find another campground without a reservation. You also want to strike the right balance between seeing different areas, the amount of time spent driving and ensuring you have enough time to relax. Cautions aside, an RV can give you a lot of freedom and spontaneity. RV travel appeals to an inner pioneering spirit and allows you to create your own adventure as you go along your way. You can explore the country at your own pace or take off for last minute mini-vacations, tailgating events and weekend trips.

     

     

  7. Affordability: The question of whether it is cheaper to take an RV vacation doesn't have a "one size fits all" answer. The comparison really depends on the type of vacations you would take instead, as well as the way in which you plan to RV. For a one-time trip, you can compare the costs of renting a suitable RV to the costs of hotels, airfare or other means of travel. Or if you are considering regular RV vacations, you may want to purchase a motorhome or towable trailer. In this case, you would need to factor in operating costs, maintenance and the purchase price. In an RV, you can save money by cooking meals at home vs. dining out. You can minimize expenses if you take advantage of activities and amenities already included in the campground rate. Fuel expenses can be managed by reducing the distances traveled and staying longer at a given campground or park.

     

     

  8. Driving the RV: Driving yourself gives you control over where you go and the pace of your travel. You don’t have the hassle of airline counters and keeping to schedules. You can stop and take a break when you choose. You don't need a special license to drive an RV. Sure, it takes some getting used to -- but the number of RVs on the road should tell you that it is doable. Practice on your own (or with one other person) before you load up your passengers. Take advantage of any classes available through your dealer or one of the many RV organizations.

     

     

  9. How about a relaxing vacation for a change? How many times have you returned from a trip saying you need a vacation from the vacation? Now don't kid yourself - if you are the type who likes to schedule all the details of a trip, that's not going to change simply because you are traveling in an RV. But in choosing an RV vacation, you may shift your thinking and be more apt to use your time off as an opportunity to truly relax and unwind.

     

     

  10. Test out the RV Lifestyle: The RV vacation may serve as a test drive to gauge your overall interest in the RV lifestyle. There are RVers who spend several weeks per year in RV travel. Other RVers take off for months. Snowbirds are RVers who make an annual trek to warmer climates for the winter season. And then there are fulltime RVers whose only home is their RV. Many of these people started out by vacationing in an RV as a way to try out the RV lifestyle.

 

Copyright 2005 Your RV Lifestyle, all rights reserved. Reprinted with permission.

Publication is permitted provided the resource information at the end of the article remains intact, and links are live. Please notify the author via the Contact Us form at http://www.your-rv-lifestyle.com, providing a link to the location of the article, or a copy of the newsletter.

About The Author
Jill is a fulltime RVer and the editor of http://www.your-rv-lifestyle.com, where you can find more advice for choosing, affording and enjoying your RV lifestyle.


Article Source: http://www.bigarticles.com

 

Beach Vacation Photo Tips – Make Your Vacation AND Photos Memorable

by Robert Bezman
Most people, who go on a family beach vacation, take plenty of photographs. Once you're home and you view or print them out; are you ecstatic, bored, or disappointed? Be honest, now!

Does this sound familiar… You arrive at your destination, check the place out, and quickly change to go to the beach. Happily, you've remembered to take your sun block, nose plugs, and bathing suit. Maybe you remembered your camera, maybe you didn't.

Going on a family beach vacation brings up contradicting desires. On the one hand, you want everyone to have a wonderful, fun, relaxing, memorable vacation. On the other hand, most people don't want to do what's required to preserve the memories.

We will show you how to have the best of both worlds. By providing photography tips, you can capture outstanding beach vacation pictures, enjoy taking the photos, and ensure that when you look at the photos at home, you won't be thinking: "Was this OUR vacation!?!"

Can’t-Miss Beach Vacation Photo Tips

1) Packing the Right Equipment

When you pack for your dream beach vacation, remember these essential items: Camera, batteries, memory cards, camera case, battery chargers, external flash (if available), tripod, and portable digital storage device. If you have an abundance of memory, you can leave the storage device at home.

2) Consider These Purchases

I know… you’re already spending more than you want to on the vacation. So the last thing you want is some stranger suggesting you spend more on photo accessories. But, read on and find out what these low cost accessories will do for you before you skip to Tip #3.

Consider purchasing a circular polarizer filter for your lens. STRONGLY consider it! It will be one of the least expensive accessories you can buy, and you will LOVE the results. What are the results? A bluer sky, the ability to see objects under water, and creating colors that will "pop" off the page.

3) Insurance

Do you have insurance on your possessions? Did your camera cost more than $25.00? Then do yourself a big favor and buy a UV filter to place over your lens for protection. If your lens becomes damaged, your camera is ruined. You can probably get a good UV filter for under $20.00.

4) The Magical Landscape Shot

If there are colorful bluffs, harbors, or other landscape picture opportunities on your beach vacation, you want to capture them, of course. Not only that, but wouldn't it also be impressive to add some family member(s) to the shot and have the people AND the background in focus?

Set your F-stop for a high number (at least F-11, or at the "infinity" or "landscape" setting of your camera). Position the people in the foreground, the landscape in the background. Focus on your human subject(s), while being at least 15 feet away (25 is even better, if you have a telephoto).

Adjust the circular polarizer filter to obtain the desired shade of blue in the sky. Skip this step if you didn’t purchase a filter. Don’t worry, though. If you don’t like the vividness of the sky after the print is developed, you can always take out a magic marker and color the sky. (You didn’t hear that from me.)

Finally, gently squeeze the shutter and… voila! A perfect "postcard" photograph.

5) Silhouettes

Silhouette beach vacation pictures (or, non-beach vacation pictures for that matter) produce one of the most artistic and/or emotional-looking photographs possible. Most people never take silhouette photographs, and yet, they are just as easy as photographs taken during the day light.

The best time to take silhouette photos is from approximately 1 hour before sunset, to ½ hour after sunset. Use evaluative or matrix metering (which is probably your default metering mode anyway), and focus on the HUMAN SUBJECTS, with plenty of the cloud-filled sky in the background. Then compose the shot, as desired.

Did I mention that sunset shots without clouds are fairly disappointing? Sort of like winning the lottery and losing the ticket.

The silhouette effect results from the camera thinking the overall scene is brighter than it is, and therefore under-exposes the dark areas (human subjects).

To see sample photos and additional tips, check out http://www.best-family-photography-tips.com/beach-vacation.html.

Article courtesy of http://www.best-family-photography-tips.com, where you can see numerous sample pictures & photography tips on many subjects and events.

Copyright 2005 Robert Bezman. All rights reserved.

Robert Bezman is a professional photographer and owner of Custom Photographic Expressions. Robert has created http://www.best-family-photography-tips.com to help the digital photography users create better photographs. Robert has a blog at http://www.best-family-photography-tips.com/family-photography-news.html


Article Source: http://www.bigarticles.com


 

10 Mind-Easing Ways To Make Sure Your Child's "Bag" Lunch Is Safe

by Terry Nicholls
Perishable food must be kept cold while commuting via bus, bicycle, on foot, in a car, or on the subway. After arriving at school or work, perishable food must be kept cold until lunchtime.

Why? Harmful bacteria multiply rapidly in the "danger zone" (the temperatures between 40° F and 140° F). So, perishable food transported without an ice source won’t stay safe long. Here are safe handling recommendations to prevent food-borne illness from "bag" lunches.

1. Perishable food, such as raw or cooked meat and poultry, must be kept cold or frozen at the store and at home. Eggs should be purchased cold at the store and kept cold at home.

2. Transport perishable food as fast as possible when no ice source is available. At the destination, keep it cold. Food should not be left out at room temperature more than 2 hours (1 hour if the temperature is above 90° F).

3. Prepackaged combos that contain luncheon meats along with crackers, cheese, and condiments must also be kept refrigerated. This includes luncheon meats and smoked ham which are cured or contain preservatives.

4. At lunchtime, discard all used food packaging and paper bags. Do not reuse packaging because it could contaminate other food and cause food-borne illness.

5. Pack just the amount of perishable food that can be eaten at lunch. That way, there won’t be a problem about the storage or safety of leftovers.

6. It’s fine to prepare the food the night before and store the packed lunch in the refrigerator. Freezing sandwiches helps them stay cold. However, for best quality don’t freeze sandwiches containing mayonnaise, lettuce, or tomatoes. Add these later.

7. Insulated, soft-sided lunch boxes or bags are best for keeping food cold, but metal or plastic lunch boxes and paper bags can also be used. If using paper lunch bags, create layers by double bagging to help insulate the food. An ice source should be packed with perishable food in any type of lunch bag or box.

8. Prepare cooked food, such as turkey, ham, chicken, and vegetable or pasta salads, ahead of time to allow for thorough chilling in the refrigerator. Divide large amounts of food into shallow containers for fast chilling and easier use. Keep cooked food refrigerated until time to leave home.

10. To keep lunches cold away from home, include a small frozen gel pack or frozen juice box. Of course, if there’s a refrigerator available, store perishable items there upon arrival.

Copyright (c) Terry Nicholls. All Rights Reserved.

Terry Nicholls is the author of the eBook "Food Safety: Protecting Your Family From Food Poisoning". For more tips like these, and to learn more about his book, visit his website at http://tinyurl.com/3fr2t
yourguides@cogeco.ca

Article Source: http://www.bigarticles.com