Do You Really Need Life Insurance

Do You Really Need Life Insurance

You are healthy, not close to your senior years, growing, and playing safely. You may not be wasting your time, so buying life insurance seems silly, or even irresponsible, given the fact that you have more direct investment to pay for it. You need to pay off your car or home, buy groceries, fund your daily needs, and you have all kinds of other insurance payments. You do not need any other bills every month that you do not technically need right now, do you?
In fact, if you are a healthy adult who thinks this way, you see life insurance from the wrong angle. You may or may not need life insurance, but determining whether you should buy life insurance in Greenville, SC is not a simple decision. There are several factors to consider when determining whether you are ready for life insurance or not.

Do You Really Need Life Insurance

What is Life Insurance?

If you feel that life insurance is now of no use in your life, you may need to review or learn what life insurance is like. Basically, life insurance is a contract between you and your insurance company. This contract states that, in the unfortunate and unexpected events of your death, your family will be financially handled. The amount given to your family is determined by the policy and premium you pay for the insurance company.

Is there anyone who depends on you financially?

If you do not have a partner or child who is financially dependent on you, you probably do not need life insurance. As stated above, life insurance policies are meant for the people you leave behind as pillows. This ensures that they are taken care of and will not suffer financially in case of death. If nobody depends on you financially, where will the insurance money go after your death? Bottom line, you will throw money into the hole. Do You Really Need Life Insurance

What If Something Happens to You?

This is not a happy thought, but if you have people who depend on you, you are responsible for considering the possibility that you can drive to work tomorrow and have a fatal car accident. Maybe you have a high-risk job that can bring about a tragic change at any time. To be honest, anyone can die anytime. It is a part of life. Hopefully, nothing fatal happens to you until you die in sleep at age 90; However, there is no guarantee that this will happen. What if not how your story ends?

Since it is possible that your story may end at any time, not only do you have to live life to the fullest and enjoy the essentials, but you must make sure that caring people are taken care of. Death events in the family is quite difficult. Make sure your family does not encounter any financial problems after you leave as well. Life insurance is one way that you can continue to take care of your family even after you no longer live. Do You Really Need Life Insurance

If you are not sure if you really need life insurance, talk to a trustworthy agent about Greenville SC insurance, or wherever you live. Life insurance policies vary among companies, and it’s important to find the right one for you, if you decide it’s time to buy a policy. Even if you are not a work partner, your family can benefit from life insurance. A life insurance policy is an investment for someone you love.

Top 4 Benefits Floor Painting

Top 4 Benefits Floor Painting

Most homeowners appreciate the interior paintings and exterior walls of their homes. The floor in most cases is ignored when it comes to painting. If you have wooden and concrete floors, paintings can make a big difference in their looks and longevity.

The idea of ​​painting your floor will sound unreasonable especially if you lack the motivation to do it. We talked to a skilled Smithville painter about the advantages of the painting floor and here are four main reasons he gave.

Your Floor Painting Gives It Protection
Investing in this type of quality and finish paint for your floor will pay off in the long run. According to Smithville Painting Company, home buyers who have purchased quality paints have admitted that the paints make their floor resistant to water and chemicals, oil stains, mosses and fungi. This makes it easy to quickly and efficiently clean up the spills on the floor.

It Will Maintain Your House Cleaning
Yes that’s right. The reputable Smithville interior painter will advise you to paint your wooden and concrete floors as this will contribute to the cleanliness of your home. When the floor in your home is painted, your shoes will not trap the dust easily. This means you will spend less time and resources to clean your carpet and clean the cupboard because of the dust. Top 4 Benefits Floor Painting

Your Garage Floor Painting Keeps the Garage and Car Clean
It’s no secret that the concrete used to make garage floors contributes greatly to the dust on storage items, garage walls, and workbenches. This is because the concrete does not have a layer and because of this, it is easy to get into the small dust particles that are kicked while you drive, sweep or walk. Once in the air, he will settle anywhere. Our Smithville contact painter recommends to paint this concrete so that the dust is not kicked out.

This will Brighten your Home
One of the reasons that can contribute to the room in your house that looks dark is the bare concrete that absorbs light. Having a coat of paint means the light will be reflected and therefore can lighten the room. Improved lighting automatically enhances the aesthetic beauty of the home. Actually, with a painted floor you will see that even your energy bill will decrease as your house will stay warm.

Professional Smithville painters can help you fix the exterior and interior walls of your home, in addition to painting your floor. What’s more, the Smithville painting company will recommend quality paint for your wood flooring, garage flooring and tile floors in other rooms. They will also tell you about the color of modern paintings for your walls. Top 4 Benefits Floor Painting

What to Expect When Cruising the River Moselle

What to Expect When Cruising the River Moselle

Renowned as one of the most picturesque rivers the world, the Moselle stretches for a languid 340 miles from the Vosges Mountains of France to flow into the Rhine in Germany. Various sections have become extremely popular with barge holiday operators, not just for the magnificent scenery encountered along the way, but also for the many historical attractions and, of course, the wine.
The Route of the Moselle

 

From its elevated source at Ballon d’Alsace, the river passes through the spectacularly beautiful and historically significant French landscape of Lorraine, before forming part of the border of Luxembourg and Germany. On its path it takes in countless small towns, Alpine villages and wine-growing regions. Some of the more industrialised sections of the Moselle Valley are also used for transporting goods on large cargo ships. The river joins the Rhine at Koblenz, as its longest tributary. Since it was made entirely navigable in 1964, the river has become a very busy waterway, encompassing 14 locks and a dedicated shipping channel. As well as barge holiday operators, the traffic comprises large numbers of private vessels and commercial and cargo ships.

Attractions en Route

For those on a barge holiday, whatever section of the Moselle makes up the itinerary there are countless attractions to see from the water and on shore excursions. One of the most enchanting is Burg Eltz, a real-life fairytale castle set in its own lush forest. The medieval castle is immaculately preserved, having been in one family for more than 850 years. The interiors are bedecked with original tapestries, furnishings and artworks that have been curated with such attention and care they look like the centuries have simply passed them by. Set upon the peak of a huge craggy rock, Burg Eltz epitomises the concept of a fairytale castle.

For those passing through Trier (close to Luxembourg), exploring the Roman ruins of the oldest city in Germany is a must. Founded in 16 BC by the infamous Augustus, Trier was a vital trade and financial hub for the Roman Empire for more than four centuries. Today one can walk around its many archaeological attractions and take in sites like the Porta Nigra, the Hauptmarkt and the city’s most iconic landmark, the magnificent UNESCO-listed Trierer Dom – the oldest cathedral in Germany. The city is also famous for a very different reason as the birthplace of philosopher Karl Marx.

Fine Wine

It’s not for nothing that wine is one of the most popular themes for barge holiday itineraries in this region of Germany and Luxembourg. The Moselle Valley is renowned for some of the world’s finest Rieslings, which make up around 60% of its total production. The region provides the perfect conditions for this famous grape, with records indicating that it has been grown there since 1435. The Riesling has a distinct colour and flavour that aficionados attribute to its high acidity, and it has the ability to age well up to 40 years.

For history, scenery and the opportunity to immerse yourself in one of the most acclaimed wine regions in the world, cruising along the beautiful River Moselle is invariably a most memorable and enjoyable experience for travellers of any age.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge holiday itineraries. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Understanding the Weather of the Galapagos

Understanding the Weather of the Galapagos

The Galapagos Islands are blessed with a climate that means there’s never really a bad time to visit. Visitor numbers to each of the islands are strictly monitored by the national park conservancy, however, so most wildlife holidays in Galapagos tend to be in the same peak periods in order to minimise the impact on the habitat and animal species.
While the archipelago is on the Equator, the weather is not tropical. It has its own microclimate that could best be defined as sub-tropical in nature. There are two seasons – the dry season and the wet season – and, while it can be visited year round, the best wildlife holidays in Galapagos tend to be centred around the months between November and February.

 

Fast Facts on the Galapagos Climate

• The weather in the archipelago is governed by the ocean currents. It is at the convergence of three major currents: the Humboldt, the Panama and the Cromwell.

• Even though the archipelago is located in the tropics it has a unique microclimate, which is surprisingly dry.

• The El Niño weather phenomenon occurs every 5-7 years, causing sea levels to rise markedly.

• The El Niño effect can have a negative effect on the marine wildlife of the islands – particularly the sea lions and Marine Iguanas.

• In the warm season, temperatures average from 27ºC to 32ºC and water temperatures are between 21ºC to 26ºC.

• In the dry season, temperatures average from 21ºC to 27ºC and water temperatures are between 18ºC to 24ºC.

• The warmest months are January and February, while the coolest are from May to September.

• Due to its equatorial position, the archipelago has an equal number of daylight and darkness hours throughout the year.

The Warm Season: December to May

The most popular time for wildlife holidays in Galapagos are the months between November and May. Both the air and water temperatures are higher and it is peak breeding time for land birds and nesting turtles.

Although this time of the year is classified as the rainy season, there is also plenty of sunshine around. Periods of rain are usually short (although daily), interspersed with warm, sunny stretches. The islands are teeming with active wildlife and the warmer oceans provide calm seas and better visibility, making the perfect conditions for snorkelling and swimming.

The Dry Season: June to December

In the dry season, the Humboldt Current coming from the southernmost reaches of South America sets a chill in the ocean and the trade winds bring colder and often stormy weather. Mist settles around the high altitudes – this is the time the highlands are at their most verdant and lush. Due to the nutrient-rich waters brought by the southern currents, there are huge numbers of fish in the waters surrounding the archipelago. This results in a greater number of seabirds, including penguins and albatross. However, the chillier oceans are not quite as appealing for snorkelers or divers, and guided wildlife holidays in Galapagos are not as frequent.

How the Weather Affects Biodiversity

The islands’ three distinct ecosystems are all strongly affected by the weather patterns. In the years of El Niño, the terrestrial region is abundant with flower and fruit bearing plants, which also causes an increase in the populations of insects and birds. The marine ecosystem thrives with the arrival of the Humboldt Current, but the colder oceanic temperatures mean that the seaweed on which the Marine Iguanas and sea lions rely as a food source is greatly diminished. This causes problems not just in the immediate population, but also sees a decline in reproduction. In the years of La Niña (which produces the opposite conditions to El Niño), the reverse of all these effects is true in all three ecosystems.

Enchanted Village of Morzine Casts a Spell for Kids

Enchanted Village of Morzine Casts a Spell for Kids

Christmas is a magical time of the year, but I also know just how stressful it can be for parents – this is especially true for those with a boisterous brood! This Xmas, why not whisk the whole family off for an unforgettable vacation? This can take a great deal of pressure off the family occasion, whilst treating the little ones to plenty of adventurous fun.
Morzine is a wonderful place to spend Christmas with its two-week festival over the holi-days called “The Enchanted Village of Morzine”. A lovely and festive atmosphere sweeps across the child-friendly resort, and there are lots of great facilities and activities for kids.

 

In the unlikely event that they tire of the festival and skiing opportunities, kids can also enjoy sledding, ice skating, swimming, husky sledding and more. There is plenty for mum and dad to experience here too! Another key selling point? A quick and easy journey to get there: fly into Geneva and then jump into a pre-booked Geneva to Morzine transfer.

Check out the schedule for the brilliant two-week festival:

Illuminations – To get everybody in the festive mood, the entire Tourist Office Square is decorated with stunning illuminated decorations. This looks fantastic against the white of the snow lit up beneath the starry night sky.

Father Christmas – What is Christmas without a visit from jolly Old Saint Nick!? The little ones will be thrilled to see Santa arrive in the village with plenty of joy and gifts in tow.

Workshops – Keeping children happy and entertained can be challenging over the holidays, but not here. There are dozens of workshops to keep them busy and this is also a great way for them to make new friends. Card making, garland- and druid-making work-shops are just a few options.

Ice Sculpture – Professional ice sculptor Sebastien Cohendet is in town and watching him turn a block of ice into a piece of art is an experience that is sure to dazzle the entire family.

Fireworks – Get ready for plenty of “ooohs” and “ahhs” with Morzine’s very own fireworks displays. In the snowy mountains, this is a unique experience and even more magical than the displays you get back home.

Children’s Cookery Classes – Another great way to keep your brood busy, the children’s cooking classes will teach them how to make a range of tasty treats in a fun and safe environment. Who knows, they may enjoy it so much that they offer to cook back at home!

Street Theatre – No Christmas is complete without theatrics. Watch the superb and highly amusing street theatre parades put on over the course of the festival. These really un-ite the village and get everybody in the mood for an unforgettable Christmas.

Entry to the festival is free too, so you can benefit from all this excitement without break-ing the bank! Now that is good value for money.

The enchanting resort of Morzine is really easy to reach too. Simply book a flight to Ge-neva and arrange a Geneva to Morzine transfer in advance. There are dozens of flights made from a number of budget carriers, and the flight takes just under 1.5 hours. A Geneva to Morzine transfer will take a little over an hour, so you can sit back and enjoy the views as you are whisked away into the mountains.

Morzine is a marvellous place to spend the holidays this year as it becomes a breathtaking winter wonderland and has dozens of activities to keep the kids happy and content.

Why Do You Need Life Insurance

Why Do You Need Life Insurance

It’s hard to talk about death, especially when it involves people you love. Conversation about death really needs to happen if there is no delayed concern about health problems or when age is not a factor. This is something you should talk about openly, and do it when you’re young. There are a few things you want to consider when you are planning together. You want to have the will to make sure that the issue is handled as you see fit. Another area to consider is life insurance in Greenville, SC, or with companies in your area. There are many reasons why you should have life insurance. It’s important to protect your family, maybe your business, and maybe leave a legacy.

Reasons You Should Consider Life Insurance Why Do You Need Life Insurance

You really never know what the future holds for you. Every day, anytime, you can be involved in a fatal accident, an unexpected illness, or die of natural causes. Life insurance is a way to help your family and loved ones face the financial burden that may be caused by your death. Emotional worries are great, and the last thing you want to add is extra worry about how to pay mortgages, principal bills, tuition, and other expenses. Life insurance benefits can also help pay for housing taxes. Nothing will bring you back, but at least you can make it easier for the people you leave behind.
You never want to make the assumption that your family will bounce back after you die. It is possible that living parents may want to take time to work to care for children, especially after a tragic loss. You also do not want to plan a couple to remarry. You might think it could happen, but it should not be part of the financial plan. You want to do your best to let your family in a situation of having enough, through life insurance allowances, to provide the lifestyle you want them to lead. It’s important to work with a financial planner to evaluate your goals and find the best figure for your situation.
Death should not mean that your family is in debt to survive. Funerals are expensive events and choices that can be an add on when emotions are high. Life insurance can cover these costs as well as other expenses. You do not want to add to the burden they already feel with accumulated debt immediately. Why Do You Need Life Insurance
It is important to buy your life insurance at a younger age, when your health is at its best. Once you have your policy protected even if you suddenly find you have cancer or other conditions that might prevent you from getting protection. In other words, you lock your inability when you are most healthy. Many futures policies will also come with the option to change all life later on in the life of the policy. This is very valuable, because the whole life policy allows you to maintain your lifetime insurance and also creates a tax-free cash value and can even be used as a channel for pensions.

Why Do You Need Life Insurance

When you are young, you may think that you do not need life insurance in Greenville, SC, or wherever you live. You will want to take the time to evaluate what your family will do if tomorrow you do not come home. This is the thing that is responsible for doing, and although this may be a difficult discussion, it is one of the things you need to have.

Say “Mmm!” in Morzine

Say “Mmm!” in Morzine

Nestling at the bottom of an ancient river gorge, the old market town of Morzine is a favourite destination for skiing families and couples alike. Many return year after year not just for picturesque landscapes or the friendly people, but for the food! I am often asked by couples returning to Morzine, or visiting for the first time – where are the very best places to eat? There are host of great restaurants to choose from, but if you only have a handful of days up in the mountains, here are a few that visitors just cannot afford to miss.
L’Atelier d’Alexandre Restaurant

 

If you are looking for pure luxury dining, L’Atelier is perfect. Established by head chef Alexandre Baud-Pachon in 2004, the restaurant is located in the Hotel Le Samoyède and boasts a Michelin star. Alexandre prides himself on using the freshest local ingredients and showcases some of the best French mountain cuisine. The menu is pricy – the cheapest set menu is €45 – but it contains 5 of the most luxurious courses you could imagine. L’Atelier’s 10,000 bottle strong wine cellar isn’t bad either for lovers of the French grape.

La Paika

A restaurant right in the action, La Paika can be found in a gorgeous wooden cabin right in the centre of the Les Gets ski area. On clear and bright days diners can eat out on the terrace which offers a great view of the surrounding slopes. If you or your loved one is a meat lover then La Paika is the place for you, offering a huge array of cold cuts, as well as locally reared meats cooked over a huge wood burning stove. Make sure you arrive with a roaring appetite and leave in time to catch the last chairlift home.

Restaurant Le Clin d’Oeil

Cheese is not hard to come by on skiing holidays. However, with all that cheese to choose from, finding the best cheese menu can be a struggle. Luckily, Le Clin d’Oeil in the centre of Morzine offers the tastiest cheesy dishes available. Run by Jean-Noël and Kristel for the last 10 years, this cosy restaurant specialises in South West French cuisine and serves up the best tartiflette for miles around. Guests can enjoy their meals with a great selection of wine.

La Grange Restaurant

Getting to La Grange requires a bit of exploring. Tucked away on one of Morzine’s pretty backstreets, this popular eatery is only a minutes’ walk from the tourist office. Inside diners will find an authentically decorated restaurant which doesn’t pack its guests in but leaves plenty of room to breathe. Open during the summer and winter months, La Grange offers the some of the best vegetable dishes in gorge, useful if you need a break from all that meat and cheese. Even more useful is the private catering service they offer, making a delicious meal in the comfort of your chalet a reality.

Getting to Morzine

Morzine sits right on the French border with Switzerland and is not too far from Geneva. If you’re flying into Geneva, airport transfers to the town are easy to organise. Popular airliners easyJet, British Airways, and jet2 all fly direct to Geneva Airport with a flight time of around 1 ½ hours. Once you are in Switzerland, Shuttle Direct’s Geneva airport transfers whisk travellers away to Morzine in the same time for a fixed low price, so no haggling when you get here. You can also bring your ski gear on the transfer for free, as long as you let us know in advance. Easy.

Get Ready to Rock the Mountain: Musilac 2018

Get Ready to Rock the Mountain: Musilac 2018

If you’re planning a ski holiday to Chamonix with a group of mates and can’t decide when to go, my advice would be to wait until April 2018. That way, you can participate in Musilac Mont-Blanc 2018, the ultimate party on the mountain! This new spring festival is expected to become one of the biggest annual music events in Chamonix.
What to Expect

 

Musilac is already famous in Aix-les-Bains, where it is a popular summer festival. Past headliners have included everyone from Elton John and Sting to The Chemical Brothers and David Guetta. For Chamonix, festival organisers promise an equally stellar line up: so far, 15 acts are scheduled to play from April 19 to 21.

The Festival will be a massive affair: it’s estimated that up to 30,000 spectators will attend the three-day event. An open-air stage will be set up at the Bois du Bouchet paragliding landing area, which will play host to audiences of around 15,000 each night.

To ensure that this is one of the major events in Chamonix’s 2018 calendar, Musilac organisers have partnered with MontBlanc Médias, a renowned French media group that specialises in extreme sports.

Ski the End of the Season or Just Hang Out

Whether you’re a keen skier and want to take advantage of Chamonix’s cheap ‘end of season’ deals or you just love the party atmosphere of a festival, April in Chamonix is perfect for you.

Set at the foot of Mont Blanc, the resort’s skiing opportunities are guaranteed throughout the spring, during which there’s a fantastic range of glacial skiing that really comes into its own from April onwards.

There are a range of nursery runs for beginners, – although the snow cover this late in the season can be risky – and for intermediate and advanced skiers, Chamonix’s challenging runs provide the ultimate high-thrill playground.

In town, you’ll discover that Chamonix is a bustling place with a cool, hip crowd that populates the resort all year round. There are some great bars and clubs, and the pretty centre is equipped with many nice café terraces.

If you’re looking for a group holiday during which you don’t want to hit the pistes every day, combining a ski holiday with one of the best events in Chamonix ensures that you’ll have a blast!

How to Get There

Taking part in the many events in Chamonix couldn’t be easier, as there are regular flights from the UK to Geneva, Chambery, Grenoble and Lyon airports during the ski season.

For a good-value transfer option, book a group transfer with Shuttle Direct before you leave home. Choose either a private or a more economical shared group transfer, and our drivers will pick you up from the airport and deliver you straight to your resort. It doesn’t get easier than that!

10 Reasons to Buy an Independent Life Insurance

10 Reasons to Buy an Independent Life Insurance

Your employer may provide life insurance coverage as part of a group plan, and you may be fine with it. However, there are several reasons why your group insurance is not sufficient. Here are 10 main reasons why you should talk to insurance companies about West Palm Beach life insurance purchases independently.

You never know what will happen

10 Reasons to Buy an Independent Life Insurance

Unfortunately, you never know what will happen to you. Anything can happen anytime. If the worst happens, and you are not ready for it, then your loved ones will be left paying all your fees and bills.

Replace your Earnings

If you work at the time of your death, your family will probably need that income to live. A complete insurance policy will help your family recover once you have died by giving them the income you will carry over your life.

Your Funeral is Not Free

Funerals can cost up to $ 10,000 and sometimes even more. Money from your life insurance policy can go to pay this fee, or your family can pay for it. When it comes to that, you may want your family not to worry about funeral expenses.

Protect Your loved ones

Throughout your life you have worked to protect your family. You still want your family to be taken care of after you die. This is what life insurance will do for you. If they have to get on with their lives without you, then they should be able to do it the same way they used to.

You Can not Take It With You

The hard truth is that you can not carry your things with you, but there’s something else left behind when you die: your debt. Regardless of how much you have, this is a debt you may not want to pass on to your loved ones.

Protect Your Business

If you think that life insurance is just for you as an individual, you will be wrong. Life insurance will also keep your business protected from financial losses and liabilities.

Keep Up Your Pension

One thing that many people do not know is that you can actually use your life insurance to extend your retirement savings. If you play your cards correctly, you can put your money into annuities that pay a steady income each month for the rest of your life.

Use Common Sense

Life insurance is just a smart financial move. This is considered a financial asset. Your assets increase your net worth and your ability to get loans and credits. In addition, creditors can not touch protected policy funds even in the event of bankruptcy.

Be Charitable

One of the other benefits of having an independent life insurance policy involves your ability to get your insurance money to go further. A life insurance policy allows you to reward a charity after you die that is far greater than you can give to your own money.

Have a Pure Peace

The biggest reason to invest in a life insurance policy is for your own peace of mind. Although the funds from your life insurance policy will never be enough to replace you, life insurance can protect your family from undue financial difficulties after you leave.

Many people do not realize the importance of West Palm Beach life insurance policy. Having an independent insurance agent helping you find the right life insurance product for you can ensure your family and loved ones are protected after you die. 10 Reasons to Buy an Independent Life Insurance

Packing Tips for Travel Worldwide

Packing Tips for Travel Worldwide

You are leaving weeks of exciting and round-world adventure and no doubt everything you’ve done over the last few months has continued to this day. You’ve updated your passport, purchased your flight tickets, booked accommodation in different cities, bought annual travel insurance and you’re now ready to start packing for this long-awaited adventure!
Not sure where to start? We’ve covered some practical tips when you start packing for your trip.

Packing Tips for Travel Worldwide

Luggage or backpack

While the debate continues over whether a suitcase or rucksack is best on a round-the-world trip, we believe hybrids are ideal. You want a double-wheeled bag as a backpack for mobility and maximum comfort. You never know when you have to run to catch a train or bus that goes to the next destination, and have a bag that you can steer or ride comfortably will make it much easier. In addition, choosing a cloth bag because of the difficult problem favored because it allows your goods into the storage more easily.

Less is more Packing Tips for Travel Worldwide

When you have to decide what to take with you, there are items that are not appropriate for negotiations, such as passports, money, credit cards, and annual travel insurance information, as well as special items such as prescription eyeglasses. But when it comes to packing clothes, shoes, toiletries and equipment, remember less always more, and more stuff can be bought on the road if needed.

In fact, packing for any climate and situation you might face on your journey is almost impossible! We recommend three out of each clothing category: three pairs of pants, three shirts, three pairs of socks, three pairs of shoes – you get the idea. Remember that you will be able to wash your clothes on the go – a good bonus for packing light.

Try choosing pieces that can be mixed and matched and made from a cloth that dries quickly. If you have items that can serve a dual purpose, such as women’s sarongs that can be used as beach towels, skirts, shirts and scarves, the better! If you are not sure about the item, choose not to pick it up. Wear minimal toiletries, as these items will weigh you and can be purchased overseas, as per your requirements.

Get Packing

Save space in your bag by rolling clothes instead of folding and stacking. Pack socks and underwear shoes and the contents of every possible cavity. Wear large items on the plane, such as hiking boots or winter jackets, to save space in your luggage. Place all essential items, such as passports, money, annual travel insurance information and electronic goods in a safe and accessible place close to you. As an additional security measure, take a photo of your document and take a photocopy in a different place than the original.

Getting your stuff together for a trip around the world does not have to be a chore! Light and smart packing will go a long way in ensuring you have everything you need to make this trip an experience of a lifetime.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.