Australia Travel Coverage – The New York Times #greece #travel #packages

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Australia Travel Coverage

The Hidden Bars of Sydney

The hidden drinking den is something relatively new to — and apparently dearly loved by — Australia’s largest city.

Hiking and Biking in Tasmania

Tasmanian Tour Ride & Seek, an Australian outfitter offering trips in a dozen countries, has added a destination close to home.

Resort and Cruise News: Safaris by Air in Australia

What you need to know if you’re on a trip or planning one soon, including new lodging at a safari park in England, and a new water park on a Royal Caribbean ship.

Identification, Please

Learning how to use a field guide can make you feel at home anywhere in the world.

A New Take on Tasmania

A new bike tour from Gray & Co. includes rides in the Huon Valley and Freycinet National Park in Tasmania.

A Cultural Escape North of Melbourne

Bendigo, a town that struck it rich in Australia’s 19th-century gold rush, has other treasures to offer now.

The Woman Who Walked 10,000 Miles (No Exaggeration) in Three Years

For Sarah Marquis, a very long hike — like one she took from Siberia through the Gobi Desert, China and eventually Australia — can become a voyage of discovery.

36 Hours in Canberra, Australia

In the country’s capital, situated between Sydney and Melbourne, you’ll find everything from culture to cycling, political history to panoramic views.

In Sydney, Lively Culture Amid Natural Beauty

From museums to movies, galleries to art tours, explore the cultural side of a city known for its looks.





05/01/2018

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Chicago Travel Coverage – The New York Times #book #airline #tickets

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An Airport Survival Guide for Thanksgiving Travel

Delayed? Have some time between flights? What to do (and where to eat, do yoga, or charge your phone) at major American airports during the busy holiday travel season.

Tracing Frank Lloyd Wright in Oak Park, Illinois

By JOHN L. DORMAN

The houses he designed in this Chicago suburb show the first traces of his famous work that was to come.

Dale Talde’s Six Must-Eat Chicago Dishes

Here are the dishes the chef says you can’t miss in Chicago, including a no-frills burger and kare-kare that’s still not as good as his aunt Catalina’s.

With Help From Kickstarter, Chicago Gets a Museum That Relishes the Hot Dog

The Foodseum in Chicago will showcase encased meats in a new exhibit. Other museums in the city will have special programs and deals in October.

A Tour of Lake Michigan, My Inland Sea

Chicago. Sand dunes. A ferry crossing. A voyage reveals striking topography, time-worn communities and the reassuring permanence of an unchanging lake amid it all.

Mac Cheese Fest in Chicago to Expand This Year

There will be more macaroni, more cheese and one more Golden Noodle Award at this year’s event.

In Chicago, the West Loop Leaves Its Gritty Past Behind

Over the past two decades, the West Loop has gradually shifted from meatpacking operations and commercial storage to loft residences and restaurants.

Grant Park Prepares for Taste of Chicago 2015

The annual Taste of Chicago festival has a menu that includes Thai dishes, fried chicken and, of course, the city’s signature deep-dish pizza.

Family-Friendly Music Festivals This Summer

Events in Massachusetts, Wisconsin and Chicago where parents can hear the bands they love, with kids in tow.





26/12/2017

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France Travel Coverage – The New York Times #travel #agents #jobs

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What Travelers Can Expect in Paris

If you’re visiting Paris, here’s what you need to know about flights, hotels, getting around and how to help in the wake of the attacks.

A Left-Bank Bistro Raises the Bar

The distinguished Michelin-starred chef Jean-François Piège has opened a 20-seat spot that deserves high marks for exquisite execution.

The True Heart of French Seaside Chic

Let the partiers keep the Riviera. Just a few hundred miles to the west sits the alluring little island of Île de Ré, and its unspoiled pastures and vineyards.

An Old Paris Hotel, in the Hands of a Graffiti Artist

André Saraiva teamed up with the writers Glenn O’Brien and Olivier Zahm to reimagine the famous Hôtel Grand Amour.

A Scourge in Paris, Love Locks Prevail in Other Cities

The ritual of securing a lock around a bridge may be here to stay. Love locks remain in Paris, which removed many, and have spread to cities from New York to Vancouver.

Places Where Hemingway Lived or Traveled

Hemingway liked Idaho in the fall, Key West for the fishing, but lived in Cuba longer than anyplace else.

Seduced by Beaune in Burgundy

A tour of ancient Beaune includes wine cellars, a mustard factory and the best dish in all of France.

Inside the Vibrant New Rooms of Paris’s Hotel Montana

By ALICE CAVANAGH

Newly renovated suites in the city’s legendary hotel were made to look “like an eccentric friend gave you a key to his apartment.”





22/12/2017

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Morocco Travel Coverage – The New York Times #travel #centre

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In Morocco, Exploring Remnants of Jewish History

In looking for traces of the Jews who lived in the walled quarters of Morocco, a sense of urgency prevails about future of the country’s Jewish legacy.

Morocco, From Coast to Desert

A seven-day journey turns up a kaleidoscope of centuries-old souks, dusty colonial-era outposts, livestock markets and luxury restaurants.

Four Stops Across Morocco

Planning a seven-day journey across Morocco, from Atlantic shores to Saharan dunes, can be an odyssey. Here’s how to do it.

A Stroll by the Casbah in Northern Morocco

Chefchaouen may be known for its location amid hashish farms, but its relaxed charms go far beyond that.

36 Hours in Casablanca

Morocco’s cosmopolitan port beckons with its convivial cafes, colorful markets, waterfront nightclubs and a palm-filled park for a quiet stroll.

Hotel Review: Riad Star in Marrakesh, Morocco

This three-story B & B, situated in the heart of the old city, was once Josephine Baker’s home.

Inside the Walls of Fez

Relying on instinct, hospitality and a bit of technology, the author discovers the rewards of exploring the Moroccan city’s medina without a guide.

8 Hotels to Look Out for in 2011

By ELAINE GLUSAC

From Miami to Jaipur, new hotels hope to be noticed for distinctive touches.





06/12/2017

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New Zealand Travel Coverage – The New York Times #airline #travel

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New Zealand Travel Coverage

House Hunting in. New Zealand

By VIRGINIA C. McGUIRE

The market in Wellington has experienced modest growth, with home prices just now returning to levels not seen since the 2008 global financial crisis.

New Zealand for Beginners

Finding himself in a country he’d never given much thought, the author manages to hurtle down slopes, go on a picturesque “tramp” and hit some pubs — all in a few days.

After Earthquakes, a Creative Rebirth in Christchurch

Imaginative projects and resilient residents are helping Christchurch, the largest city on New Zealand’s South Island, cope with devastation.

36 Hours in Auckland, New Zealand

By INGRID K. WILLIAMS

Sure, you could fly here and head straight for the movie tourism trail. But why miss everything that the country’s largest city has to offer?

New Zealand’s Hobbit Trail

With the first of three “Hobbit” movies about to be released, New Zealand is preparing for the next wave of Tolkien tourists, from the hills of the Shire to the peaks of Mordor.

Wellington, New Zealand’s Flyover Capital, a Must-Stop

Wellington, New Zealand, is shedding its dull capital image with new museums, music and a night life.

Extreme New Zealand, a Thrill-Seeker’s Playground





06/12/2017

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Patagonia Travel Coverage – The New York Times #travel #holidays

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Patagonia Travel Coverage

Sailing to the End of the World in Patagonia

A three-night cruise through southern Argentina brings views of mountains, glaciers and 100,000 penguins — and not a cellphone in sight.

Chilean Patagonia’s Peaks, Up Close

Even as the world has gotten smaller and more familiar, dramatic Patagonia retains a feeling of being truly far away.

In Argentina, Glaciers by Way of Patagonia

A four-day road trip in search of adventure and solitude takes a traveler by some of Argentina’s most dramatic vistas.

Bahia Bustamante: Argentina’s Secret (and Private) Answer to the Galapagos

In a huge, almost untouched swath of Patagonia, hundreds of species live in private bliss. A few hundred people a year can join them.

Trout Fresh From the Sea at the End of the Earth in Argentina

After feeding in the steel blue waters of the southernmost Atlantic, fattened fish return to the Irigoyen River.

Machu Picchu, Without Roughing It

By MICHELLE HIGGINS

Companies are increasingly offering ever more luxurious experiences and softer adventures.

Patagonia in a New Light

Seeing the spectacular Paine Massif, near the bottom of the world, can be a demanding trek or, with new lodges, a walk in the park.

Chasing Snow South in Argentina





05/12/2017

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South Africa Travel Coverage – The New York Times #cheap #cars

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South Africa Travel Coverage

36 Hours in Cape Town

A plan for this stunning city might include a 5K run (or walk), browsing farm markets, dinner at a wine estate and, no surprise, heading up Table Mountain (by cable car).

Apps Help Navigate Africa’s Many Gems

Tracking wildlife, following in history’s footsteps or learning which documents are needed for travel, all from your phone.

Want to Visit South Africa? How to Survive a Long Flight

There are ways to make a 16-hour flight a little less painful. We all know to hydrate, but how about a little yoga at 39,000 feet?

Big Game Hunting Is Also Big Business for Wealthy Few

The killing of Cecil the lion has shed a spotlight on safari hunts, an elite pursuit with a price tag of tens of thousands of dollars.

Staying Where Mandela Did

By SHIVANI VORA

The Nelson Mandela Center for Reconciliation, in a private game reserve in South Africa, is now available for travelers to rent.

Near or Far, Head South to Escape the Winter

From St. Vincent to South Africa, the Travel section has some suggestions for sunny getaways — just in time for spring break.

In South Africa, Fine-Art Landscapes for Postcard Prices

Along Route 62 — popular with locals but virtually unknown to foreign visitors — there are plenty of towns with laid-back, eccentric states of mind and very reasonable prices.

Restaurant Report: La Parada in Cape Town

Despite inconsistent food, La Parada is the buzziest restaurant on Cape Town’s buzziest street.





02/12/2017

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Turkey Travel Coverage – The New York Times #best #deals #on

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Finding Paradise in Turkey’s Munzur Valley

Deep in the rugged heart of eastern Anatolia, the resilient Alevi Kurds open their hearts and homes to a visitor.

Hotel Review: Vault Karakoy in Istanbul

In a former 19th-century Ottoman-era bank, the 63-room hotel brims with period details and has an elegant interior.

From ‘Midnight Express’ to Discovering the Allure of Turkey

The writer Billy Hayes, whose memoir about his 1970 arrest and imprisonment in Turkey cast a shadow on tourism there, now praises the country’s hospitality.

A Turkish Town Where Baklava Beckons

Gaziantep, a city of about a million people, claims some 100 baklava shops, which supply 90 percent of the baklava consumed in Turkey.

Must-Eat Dishes, From Myanmar to Mexico City

Food experts offer their tastes to try in five parts of the world.

Along the Aegean, a Turkish Town Sees a Revival

A new set of stylish city dwellers is setting up businesses in Alacati, a village known for its ideal windsurfing conditions.

Orhan Pamuk’s Istanbul

“I belong to this city,” says the writer about his birthplace and longtime home. Join him on a deeply personal tour through Istanbul’s neighborhoods and his memories.

36 Hours in Izmir, Turkey

This sunny seaside city offers everything from a traditional bazaar to bars to boutiques, and serves as a gateway to the ruins of ancient Ephesus.

In Istanbul, Seeing Art Through Two Lenses

As the city comes into its own as a contemporary art hub, looking at more established, and more subversive, players in this world.





26/11/2017

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Trip Cancellation Coverage #travel #thailand

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Trip Cancellation Coverage

This coverage reimburses up to 100% of your pre-paid, non refundable travel costs when an unforeseen and covered event causes you to cancel your trip.

Let us tell you a story

Rob and Jennifer planned a Colorado ski trip with their two children. They pre-paid for a ski package that included rooms at a lodge right at the base of the lifts. Their ski package also included lessons for the kids and lift tickets for the parents.

Just four days prior to departure, the kids woke with high fevers and sore, scratchy throats. A trip to their pediatrician revealed they had strep and canceling the trip was recommended by the doctor.

With trip cancellation coverage on their travel insurance policy, Rob and Jennifer were able to recover their pre-paid non refundable costs – even the lift tickets. They could take the kids skiing another time.

What does Trip Cancellation cover?

Trip cancellation is pre-departure coverage that reimburses you (up to the covered amount) for pre-paid non refundable trip costs if you have to cancel your trip for a covered reason. This benefit also pays the additional cost in the per person rates (known as a single supplement fee) if a traveling companion s covered trip is cancelled but yours is not.

While each plan defines what its trip cancellation benefit covers, the following are common reasons for trip cancellations:

  • Injury or illness – An injury or illness of you, your destination host, your traveling companion, a family member, or business partner.
  • Weather or natural disaster – A natural disaster destroys your destination, your intended destination accommodations, or your own home.
  • Hurricane A hurricane destroys your home or your destination prior to your departure.
  • Schedule conflicts – Schedule issues may include jury duty, court summons, or school year extensions.
  • Traffic Accidents – You or your traveling companion are in a traffic accident en route to your scheduled departure.
  • Property damage – Your home, your business, or your destination accommodations are vandalized, burglarized, or damaged through criminal acts.
  • Terrorism or mandatory evacuations – A terrorist event that occurs at your destination and results in mandatory evacuations.
  • Bankruptcy or financial default – A pre-paid travel supplier completely ceases all operations due to financial default or bankruptcy.
  • Assaults You or your traveling companion are a victim of a felonious assault prior to your scheduled departure.
  • Work conflicts – You or your traveling companion are terminated, required to transfer to a new work location, or in the military and deployed to help with disaster relief.  (An optional upgrade, cancel for work reasons . provides coverage for additional employment conflicts.)
  • Illness or Death of host – Hospitalization or death of your destination host.
  • Labor strikes Your travel is disrupted or flights are cancelled due to an unannounced labor strike.
  • Theft or loss of passport/visa You cannot travel because your passport or visa has been lost or stolen.

This benefit is distinctly different from trip interruption coverage. which goes into effect after a traveler has started his or her trip.

What’s NOT Covered?

The trip cancellation coverage of any travel insurance policy covers the unforeseen events that are listed in the policy. This also means that if the plan doesn’t list the event, then cancellation for that reason won’t be covered.

Trip cancellation coverage will never cover a traveler for:

  • Canceling a trip where the purpose of which is to obtain medical treatment.
  • Canceling a trip for routine medical treatment for an existing medical condition.
  • Canceling a trip because the traveler feels that taking the trip would be unsafe.
  • Canceling a trip because the weather is not agreeable.
  • Canceling a trip because the traveler decided they couldn’t afford the expense.
  • Canceling a trip due to mental or psychological disorders, including anxiety, depression, and more.
  • Canceling a trip because the traveler had a change of heart.
  • Canceling a trip due to pregnancy, child birth, or an elective abortion other than medical complications of pregnancy that threaten the life of mother or child.
  • Canceling a trip due to a government regulation or prohibition.
  • Canceling a student trip because the school board canceled the trip.
  • Canceling a trip due to civil riots at your destination.
  • Canceling a trip due to alcohol or substance abuse.
  • Canceling a trip due to mental illness or panic attacks.
  • Canceling a trip due to unlawful acts committed by the insured, their traveling companion, or a family member, whether insured or not.
  • Canceling a trip due to an intentionally self-inflicted injury, suicide, or attempted suicide of the insured, their traveling companion, or a family member, whether insured or not.

It’s important to note, however, that adding the ‘cancel for any reason’ option to your travel insurance plan will help in these situations.

Some exclusions can be waived by adding options to your travel insurance policy:

  • Canceling a trip due to a pre-existing medical condition.
  • Canceling a trip due to travel supplier financial default.
  • Canceling a trip because you are required to work. *

* Some plans include cancellations for work reasons benefits in their plans. Specifically, Travel Guard’s Platinum and Gold plans include this benefit automatically. Other plans have ‘cancel for work reasons’ as an option that can be added.

Important notes about this coverage

  • The effective date for trip cancellation coverage begins at 12:01 a.m. the day after the premium is paid.
  • This coverage ends at the earliest of either: the cancellation of your trip, or the date and time you start your trip
  • You must notify the travel suppliers and the plan provider of your intent to cancel prior to trip departure (unless you are incapable of doing so).

What type of policy covers this?

Almost all package plans include some coverage for trip cancellations, but what the coverage covers varies from plan to plan.





25/11/2017

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Asia Travel Coverage – The New York Times #how #to #get

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In Tokyo, Tsukiji Fish Market Braces for an Uncertain Future

In a city in a rush to wipe away its history, the Tsukiji fish market is a gem that evokes Japan’s pre-World War II past and its love of food.

From Hotel to Hospital: The Perils of Reporting in Pakistan

Rod Nordland, the Kabul bureau chief, recounts a banal poisoning episode in one of the world’s cloak-and-dagger capitals.

New Tour Reveals Vietnam’s Many Sides

A new tour to Vietnam from Adventure Life combines cultural and outdoor activities in urban and rural settings.

Can a Trip Ever Be ‘Authentic’?

In a globalized age — when a McAloo Tikki is just as Indian as the Taj Mahal — has the very word lost its meaning?

Edie Campbell on the Influence of Seoul

By EDIE CAMPBELL

The Campbell sisters took a quick trip to South Korea to celebrate their mother, the British architect Sophie Hicks.

An Arts Explosion Takes Shanghai

Museums and galleries are turning the once-industrial West Bund into a cultural hub.

Blogging in Vietnam Is All About the Experiences

By MIKE IVES

Mark Bowyer details his frequent, multiweek sojourns across Southeast Asia by foot, bicycle, motorbike, bus, taxi and plane on his blog, Rusty Compass.





22/11/2017

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Spain Travel Coverage – The New York Times #delgado #travel

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Places Where Hemingway Lived or Traveled

Hemingway liked Idaho in the fall, Key West for the fishing, but lived in Cuba longer than anyplace else.

In Europe’s Top Destinations, Hotels to Suit Your Wallet

Hotel pairs in six popular European cities, including Paris and Barcelona, offer alternatives at the high or low end of the budget spectrum.

A New Place to Sleep in Old Barcelona

A hotel housed in a 19th-century building toes the line between classic and modern.

Menorca, the Ibiza Antidote

Imagine the white-sand beaches of Spain’s most famous island — but without the thudding electronica and all-night dance parties — and you’ll get rustic, low-key Menorca, now coming into its own.

The Revolt Against Tourism

To keep badly behaved visitors in check, officials turn to regulation.

In Spain, an Eco-Tour That Follows Cork From Tree to Bottle

The tour, From Bark to Bottle, accompanies the cork harvest and allows participants to sample the area’s food and wine.

Robert Graves Found ‘Perfect Tranquillity’ in Majorca

The poet and writer, shellshocked after World War I, found a place to write in a village on the northern coast of the Spanish island.

Hotel Review: Praktik Bakery Hotel in Barcelona

The 74-room Praktik Bakery Hotel, with cheerful, inexpensive rooms, includes an artisanal bakery on the ground floor.

Tours Focus on Barcelona’s Street Life

Hidden City Tours, which specializes in walking tours led by the homeless and formerly homeless, has a new Street Life tour of Barcelona.





09/11/2017

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State Minimum Car Insurance vs #what #is #full #coverage #car #insurance


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State Minimum vs. Full Coverage Car Insurance

Full coverage auto insurance: It sounds good, but it also sounds expensive. Do you really need full coverage, or can you get away with the state minimum? Let s find out which choice is best for you.

The Pros and Cons of Full Coverage Car Insurance

First, a quick explainer: full coverage auto insurance isn t technically a type of insurance. Generally, it means car insurance that offers enough coverage to protect you and your vehicle in almost every scenario, whether a fender-bender or a major wreck.

Full coverage car insurance includes not only liability coverage — which covers property damage and bodily injury to others in accidents you cause — but also collision and comprehensive. It may also include coverage for medical payments, personal injury protection, uninsured or underinsured motorists and other things, like rental car reimbursement or roadside assistance. Having this full coverage provides peace of mind and financial protection. However, all these premiums do add up, and you may end up paying hundreds for coverage you never use.

The Pros and Cons of State Minimum Car Insurance

State minimum car insurance means a policy that meets the state coverage requirements for you to drive legally. It typically includes liability and property damage coverage, and may also include personal injury protection or uninsured motorist coverage. The most obvious benefit of going for the minimum insurance required by your state? It s the cheapest option. Some insurers, such as SafeAuto, even specialize in offering state minimum insurance for drivers on a tight budget.

Buying the state minimum insurance is also a lot better than the alternative: driving uninsured. Every state except for New Hampshire requires drivers to carry liability insurance. and there are stiff penalties if you re caught driving without it. You don t have to be pulled over to have your insurance status checked. Several states use electronic insurance verification, in which insurance records are checked against motor vehicle registrations.

However, insurance experts warn that having the state minimum car insurance won t protect you sufficiently in case of an accident. In 2012, the average insurance claim amounts were :

  • $3,073 for property damage
  • $2,950 for collision
  • $1,585 for comprehensive
  • $14,653 for bodily injury

Keep in mind that these numbers each represent the amount filed for a single claim. In one accident, multiple claims may be filed for damage to the vehicles and injuries to each passenger. If you cause a serious — or even a minor — accident, you may find yourself responsible for paying several thousands of dollars for the other driver s vehicle damage and injuries. Don t think you can simply turn out your pockets and say, I can t pay. The other party can sue you for damages and force you to sell your assets to pay the debt.

Also, state minimum car insurance does not include collision coverage, which pays for damage to your car in an accident, or comprehensive coverage, which protects your car from theft, flooding and other damage not caused by an accident. Without these coverages, you ll have to pay to fix or replace your car yourself.

Should You Buy Minimum or Full Coverage Car Insurance?

You want to make sure you re protected, but you don t have money to waste on extra insurance. How do you know if the state minimum coverage will be enough?

First, check your state s minimum liability requirements. These vary quite a lot between states and also may change over time. The requirements appear in a format like this: 25/50/25, which means bodily injury coverage up to $25,000 per person in an accident and $50,000 for all people injured, plus $25,000 for property damage.

As of 2015, Florida has the lowest standard insurance requirements: 10/20/10. Low-income drivers in a special California plan can have a 10/20/3 policy. New Jersey s basic plan for young or low-asset drivers goes even lower: 10/10/5. That s not going to go very far if you get into an accident.

Alaska and Maine have the highest minimum insurance requirements: 50/100/25. Maine also requires you to carry at least $2,000 in medical payment coverage. For many drivers in these states, this level of insurance might be enough.

Once you ve checked your state insurance requirements, figure out how much you re worth. Add up the value of your home (if you own it), your bank accounts and any other assets. If you don t own much besides your car and your futon, the state minimum insurance may be enough for you, because you don t have significant assets to protect.

In the end, the best way to decide is to do a car insurance comparison. Compare lets you get free quotes from multiple insurers for different coverage levels, so you can see how much more you ll pay for full coverage car insurance.

You might be surprised to find that you can increase your coverage without paying much more. For instance, the Virginia state minimum requirements are 25/50/25. For a single driver with a 10-year-old car and a good driving record, one insurance quote bumped that coverage up to 100/300/100 for just $60 more per year.

Keep in mind that you can raise your coverage limits and then alter other aspects of your insurance policy to save money. If you drive a beater car that would only cost a few grand to replace, you may be able to safely drop collision coverage. Or consider increasing your deductible from $500 to $1,000.

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10/10/2017

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Real Estate Appraisers E – O Insurance #appraisers #e #o #insurance,


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Real Estate Appraisers Errors and Omissions Insurance

Highlights: Real Estate Appraisers (E O) Errors Omissions

Errors and Omissions Coverage available for Appraisers in all states except Alaska and Lousiana

  • Simple one page self-rating application or apply online
  • Coverage for Residential and Commercial Appraisals
  • Lowest Premiums
  • NO additional membership fees required to purchase insurance
  • Appraiser trainees eligible to purchase policy if passed exam
  • Policy limits up to to: $1,000,000 per claim / $2,000,000
    annual aggregate
  • Prior acts coverage available for appraisers with proof of
    continuous insurance
  • Low annual deductible of $500 per claim/$1,000 annual aggregate ($0 deductible in New York)
  • Coverage included for review appraisers
  • Claim expenses are provided in addition to the policy limits
  • Free Extended Reporting Period Options available for Retirees, Disability or Death
  • Financing options available

Additional Information:

For Real Estate Appraisal firms with 2 or more Real Estate Appraisers wanting a quote for the firm, contact our office at 800-336-5422 for a premium estimate.

If you require Real Estate Errors and Omissions Insurance for employees, higher policy limits or Insurance for Real Estate Sales or other Real Estate activities please Click Here to obtain the application for Real Estate professionals.

Select the information, applications or forms that you need from the list below.

All material is provided in Adobe Acrobat PDF format. If you do not have Adobe Acrobat Reader, Click Here to install a free copy.


21/09/2017

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Czech Republic Travel Coverage – The New York Times #cheapest #airfares

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Czech Republic Travel Coverage

Spring Symphonies in Prague

The 70th Annual Prague Spring International Music Festival runs through June 3, with more than 40 classical music concerts scheduled at 14 venues.

10 Hotels in Europe That Make You Feel at Home

More than just places to rest your head, these properties in Paris, Vienna and other cities offer a sense of community.

At the Prague Marathon, History Is a Spectator

To run through the city’s medieval streets and working-class neighborhoods, where dissidents had conspired against Communist rule, is to run through Czech history.

8 Trips Inspired by Oscar-Nominated Films

From Cambridge to the Czech Republic, suggestions for where to go for each of the movies that were nominated for best picture this year.

36 Hours in Prague

You could spend a weekend in the Czech capital visiting only those places that have opened in the past couple of years. Here’s a guide to get you started.

Beyond Goulash and Dumplings in Prague

For travelers who tire of local flavors in the Czech capital, new restaurants are serving global fare that can reset the palate.

As Prague Grows Up, a Food Scene Blossoms

Sketches of evolving restaurant trends in the Czech capital.

In Europe, Sharing Moments With History

From Versailles to Berlin, Prague to Paris, the author finds moments of connection in confrontations with the past.





21/09/2017

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Full Coverage Auto Insurance, full insurance coverage.#Full #insurance #coverage


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Full Coverage Auto Insurance

Summary: How to Get “Full Coverage” Car Insurance

Did you know “full coverage” car insurance doesn’t actually exist? It’s a term often used to refer to the combination of collision and comprehensive.

Full Coverage Auto Insurance

Many think they carry “full coverage” on their car insurance policy; however, in reality there is no such thing as full coverage auto insurance.

A full coverage policy is typically one that includes several types of car insurance coverage that, as a whole, provide a solid level of protection in case of an accident.

What Does “Full Coverage” Mean?

While there is no car insurance coverage that goes by the name “full coverage,” most individuals think of full coverage as a policy that combines the following:

  • State-required liability or no-fault insurance coverage to cover bodily injury and property damages to others in an accident you cause.
  • Collision coverage to pay for damages to your vehicle in the event of an accident.
  • Comprehensive coverage, which is designed to cover vandalism, theft, and other damages that are not the result of an accident.

Even with this, the details and amount of protection will vary by the company issuing the policy. You need to ask about the details and read the fine print carefully.

Additional Coverages to Consider

Having a full coverage auto insurance policy doesn’t mean you have full protection no matter what. Depending on your circumstances, it may even mean you don’t even have good enough protection. Instead of relying on a “full coverage” policy, ask yourself what coverage and limits best meet your needs.

There are numerous other types of car insurance coverage that will offer you additional protection in case of an accident or other unfortunate situation.

Consider adding one or more of the following insurance coverages to your policy if you are looking for a very comprehensive car insurance policy:

  • Uninsured motorist protection – This helps you cover your costs if you get hit by a driver with no insurance.
  • Underinsured motorist protection– This will help pay your costs if the other driver has insufficient insurance coverage and/or coverage limits.
  • Medical payments coverage– You can use this coverage to pay for your medical costs after a car accident, even if you were at fault.
  • Rental reimbursement – If you’re in an accident and your car is in repair, this coverage can cover your rental costs while you wait.
  • Emergency road service – You can use this coverage if your car breaks down on the road and you need towing or labor.
  • Customized parts and equipment – If you’ve enhanced your vehicle with expensive equipment, this coverage will help you with the cost of damages to your custom parts.
  • Gap insurance – If your car is totaled in an accident, this coverage helps pay the balance between the amount you owe on your loan or lease and the car’s estimated actual cash value.

The Right Coverage for You

There are many factors to consider when determining which auto insurance coverage to purchase and which to opt out of. These include:

  • The fair market value of your vehicle.
  • The quality and limits of your health insurance.
    • Medical payments coverage can be used to supplement your health insurance after an accident.
  • Your location.
    • High theft or vandalism rates can merit additional protection.
    • If your city has a high number of uninsured drivers, you may wish to purchases uninsured/underinsured motorist insurance.
  • Your current budget.
    • The best protection is frequently the most insurance you can afford to carry.

Remember that what one person considers “full coverage” may not be the best car insurance for you.

Take a look at your own personal needs, your vehicle, and your budget to determine what will work best for you. Once you have an idea of what car insurance coverages you need, talk to your agent or get a quote online to create a policy that you feel offers comprehensive protection and peace of mind.

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20/09/2017

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Long-Tail Liability Definition #malpractice #tail #coverage


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Long-Tail Liability

DEFINITION of ‘Long-Tail Liability’

Liabilities for claims that have long settlement periods. Long-tail liabilities are likely to result in high incurred but not reported (IBNR) claims because it may take a long period of time for the claims to be settled.

BREAKING DOWN ‘Long-Tail Liability’

The settlement period for an insurance claim can vary widely according to the type of risk being covered. Some types of insurance have a short loss payment period, while others may pay out claims over a protracted period of time. For example, property insurance claims tend to be settled relatively quickly, while liability insurance may take years to settle.

Insurers that offer liability insurance may see claims come in a long time after a claim event occurs. For example, a patient may sue a doctor months after a surgery if he or she thinks that medical malpractice has been involved. The long settlement period is the result of a variety of factors. Liability insurance claims can be for larger sums of money than other insurance claims, and may result in settlement offers as well as court cases. The insurance company will also want to examine the claim thoroughly to ensure that it is being made in good faith and is not fraudulent.

Insurance companies that offer coverage for risks that are considered long-tail may have higher investment income ratios (net investment income / earned premiums) than companies that offer coverage for short-term liabilities. This is because the gap between when the insurer receives the premium and when a claim is potentially made is greater for policies relating to product liability, medical malpractice, and reinsurance.

Policies covering long-tail liabilities tend to have higher loss ratios (losses incurred divided by earned premiums) and higher combined ratios (losses and loss adjustment expenses divided by earned premium). Combined ratios below 100 percent indicate that the insurer is making a profit from its underwriting activities.


09/09/2017

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RV, Motorhome or Camper Insurance Quote – RBC Insurance #rv #insurance


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Car Insurance

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  • Motorcycle
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  • RV Other
    Vehicle Insurance
  • Claims
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From spending weekends in your single-room camper to exploring new places in your luxury motorhome, we can offer the affordable insurance protection you need. We can even insure a snowmobile or ATV, or personal supplies.

  • If you have a camper or trailer that you tow behind another vehicle, we can help you get the insurance you need for your camper or trailer and the car, truck or SUV you use to tow it (6 ). You could even save up to 14% with a multi-vehicle discount (2 ) .
  • If you own a motorhome, we’ll offer the coverage you need to protect your RV as well as the furnishings and appliances that were originally installed in your motorhome.
  • Get an RV or Other Vehicle Insurance Quote

Choosing the right coverage for your RV or other vehicle

For help choosing the right protection, see how much RV insurance coverage you are required to have by law as well as the coverage we recommend:


09/09/2017

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Full Coverage Auto Insurance #full #coverage #car #insurance,car #insurance,car #insurance #quotes,car


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Full Coverage Car Insurance

In the broadest sense, full coverage auto insurance refers to a policy that includes vehicle-specific protections, such as comprehensive and collision coverage. in addition to the usually mandatory liability component. By that definition, full coverage car insurance is essentially the antithesis of a “liability-only ” policy.

Because coverage standards vary so widely among carriers and states, articulating more specific definitions of full coverage insurance is more challenging. One carrier might define full coverage as a policy with every available type of coverage, whereas another might define it as a policy including any protection beyond liability. In what follows, you’ll find a general overview of what full coverage typically entails and a guide to help you decide if full coverage insurance is the best option.

Full Coverage Insurance: Standard Protections

Most major carriers offer a fairly uniform collection of coverages in a full coverage policy. Of course, as with any policy, liability coverage is a must, but full coverage car insurance policies tend to have more robust maximums than a garden variety policy. A full coverage policy usually has property damage and bodily injury liability ceilings far beyond the requisite legal minimum.

The presence of comprehensive and collision coverage is arguably the defining characteristic of full coverage auto insurance. These coverages take the policy’s level of protection a step further by insulating against damage done to the insured’s vehicle and not just to those of other drivers. Likewise, a standard full coverage policy will also usually include either personal injury protection (PIP) or medical payments coverage. These protections pay for the medical expenses of the driver and the passengers in the event injuries occur in an accident regardless of fault.

Another full coverage auto insurance policy staple is underinsured /uninsured driver protection that pays for the insured’s injuries, and possibly property damage depending on state law, in the event the at-fault party was uninsured or inadequately insured. Some states require this protection by law and may also require personal injury coverage. The final protection included in a full coverage policy is rental reimbursement, which will pay for a rental car up to a daily limit for a finite period of time while the insured’s vehicle is repaired or replaced.

Do You Need Full Coverage?

Whether full coverage car insurance is the right choice for you hinges almost solely on how much you can afford in premiums each month and how financially risk-averse you are to potential accident-related losses. While cheap full coverage auto insurance is certainly widely available, it is more difficult to find affordably than less involved policies. Evaluate your budget to see how large of a premium you can accommodate and also take into consideration how much you could afford to lose in the event a loss ended up costing more than the limits on the coverage you carry.


06/09/2017

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How do personal property and liability insurance work? #liability #car #insurance


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How do personal property and liability insurance work?

You can take every precaution to protect your property using alarms, locks, etc. but some losses are simply unavoidable. Fires and natural disasters strike without warning, and even the best locks and alarms won’t always protect you from a professional thief. There are also situations in which you may be personally liable to another person for injury caused by you or your property.

The three most common types of insurance used to protect against personal property and liability risks are homeowner’s or renter’s insurance, automobile insurance, and personal umbrella insurance.

Homeowner’s insurance will cover most types of damage to your home and most types of personal property (excluding cars), as well as liabilities for occurrences such as someone tripping on your steps and incurring medical bills. Numerous exclusions apply; damage due to flooding, for example, typically must be covered by a separate policy, and high-value items such as jewelry and paintings will require an appraisal and a “rider” (an addendum to the policy). Homeowner’s insurance is required if you have a mortgage. Renter’s insurance will similarly cover your personal property and liabilities.

Even if you think your personal property is not worth insuring, liability insurance is an important and often overlooked type of coverage. When it comes to homes it is up to the homeowner to decide whether he wants to risk losing everything he owns in order to pay someone else’s medical bills, or if he would prefer to invest in personal liability insurance. Don’t forget to look at the policy limits before deciding on a liability insurance plan: if your liability exceeds the policy limit, you will be on the hook for the shortfall. Umbrella insurance provides extra liability coverage and can be purchased for homeowner’s, auto, and business policies, etc.

In fact, liability insurance is so importantwhen it comes to automobilesthat every car is required to be covered by some amount of liability insurance due to the high risk of vehicles causing harm to others. However, it’s up to you whether you want to pay extra premiums for “collision” insurance. which covers repairs for damage you cause to your own car in a collision, or whether you want to risk paying any necessary repair or replacement costs out of your pocket. As to injury you may cause to yourself in a collision, state laws require even the cheapest automobile liability policies to provide some coverage, but not nearly enough to pay the medical bills for catastrophic injury.

Before buying property insurance, make sure you read and understand your policy. Make sure you are aware of the following at a minimum:

  • What items are covered and for how much?
  • What items are excluded from coverage?
  • What causes of harm are covered or excluded?
  • What are the policy limits?

05/09/2017

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Croatia Travel Coverage – The New York Times #travel #bug

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36 Hours in Split, Croatia

Surrounded by mountains and sea, Split has it all: Roman ruins, trendy shops and fashionable restaurants.

36 Hours in Zagreb, Croatia

No longer just a stop on the way to the coast, Croatia’s capital has seen a surge in popularity, with lounges, bistros and chic designer ateliers in an Old World setting.

In Varazdin, a Thriving Arts Scene Emerges

A cultural explosion is taking place in castles and squares, in churches and a synagogue and along the ancient streets of Varazdin.

10 Hotels in Europe That Make You Feel at Home

More than just places to rest your head, these properties in Paris, Vienna and other cities offer a sense of community.

A Bloody Night in Cres

Eager to please my hosts, I didn’t hesitate when asked to help kill a lamb — or when presented with the surprising meal that followed the slaughter.

Sipping the Pleasures of Istria

On a trip around this Croatian peninsula, the author renews his romance with a regional wine and discovers another culinary product to savor: local olive oil.

A Croatian Island’s Day in the Sun

Home to opulent hotels, secluded coves and some of the sunniest weather in Europe, Hvar appears poised to gain even greater popularity.

On Trails Less Traveled

For those looking to walk some of Europe’s less celebrated regions, there are outfitters providing a path.

36 Hours in Dubrovnik, Croatia

With its medieval Old Town and bird’s-eye views of the Adriatic, Dubrovnik is no longer anyone’s best-kept secret.





05/09/2017

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Israel Travel Coverage – The New York Times #germany #travel

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Gay Pride Week in Tel Aviv-Jaffa

The city of Tel Aviv-Jaffa’s annual Gay Pride Parade will focus for the first time on Israel’s transgender people.

Herod the Great’s Israel

Epic was the king’s preferred scale. He planned, sited, sourced and landscaped structures of classical antiquity across Israel and the West Bank.

In Israel, Opera Echoes From Rocks and Ruins

In the Judean Desert, with the mountain fortress Masada as a backdrop, the Israeli Opera mounts a “festival out of nothing.”

Hoping War-Weary Tourists Will Return to Israel

After a drop in visitors during this summer’s Gaza conflict, tourism officials are looking for a rebound.

Wet Hot Israeli Summer

I thought the trip might provide an opportunity to meet hot girl-sabras. I didn’t realize that it was really a chance to be with my father.

In Tel Aviv, a Port Is Reborn

Over the last decade, the city’s Namal port has been transformed into a leisure destination, with a boardwalk, restaurants and a farmers’ market.

In Israel, a Hint of New England

The Shalom Hotel and Relax in Tel Aviv mixes the décor of New England with the views of the Mediterranean.

Going Rogue

By TIM ADAMS

Claire Danes plays an endearingly intense spy on “Homeland,” so where better to film season 2 than in the work-hard-play-hard city of Tel Aviv?





26/08/2017

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London Travel Coverage – The New York Times #air #travel #booking

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At Two London Restaurants, It’s All Cereal, All the Time

The two restaurants, Cereal Killer Cafe and 26 Grains, focus on cereal — one cold, the other hot — all day, all the time.

London Gets in the Halloween Spirit

From witches to a Victorian medium and ghost tours, London is ready for Halloween.

In Europe’s Top Destinations, Hotels to Suit Your Wallet

Hotel pairs in six popular European cities, including Paris and Barcelona, offer alternatives at the high or low end of the budget spectrum.

A $1,000 Day in London for $100

Our traveler, more pauper than prince, still manages to see much of London on a full stomach and a tight budget.

For History-Minded Tourists, London Marks Blitz Anniversary

This fall, London’s robust tourism industry will commemorate the 75th anniversary of the capital’s time under siege.

Luxury Hotels in London and Bermuda Offering Signature Liquors

Luxury hotels are getting into spirits, offering private label blends guests can sample at the bar or take home as a memory in a bottle.

Taking the Slow Boat (and Train) From London to Paris

Taking trains and a ferry from England to France isn’t as fast as the Eurostar, but a leisurely journey has its own rewards.

In London, Hands-On Graffiti

By SHIVANI VORA

Tours offer travelers hands-on insight into Barcelona’s “Street Life” and London’s graffiti scene.





25/08/2017

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Portugal Travel Coverage – The New York Times #smithsonian #travel

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Restaurant Report: Bastardo in Lisbon

The best dishes from the chef, Luis Miguel Rodrigues, are grounded in traditional cuisine, with only subtle twists.

Restaurant Report: Cantina 32

At a friendly bistro on the pedestrian Rua das Flores, there are two rules: do not refuse the bread, and order the cheesecake.

10 Hotels in Europe That Make You Feel at Home

More than just places to rest your head, these properties in Paris, Vienna and other cities offer a sense of community.

36 Hours in Lisbon

From old townhouses filled with chic shops to docklands harboring night clubs, the city is undergoing a remarkable rebirth.

In Portugal, a Land Finely Aged Like Wine

A road trip through the whitewashed villages of the Alentejo, the southern Portuguese wine country.

Restaurant Report: Mini Bar in Lisbon

Avant-garde cooking is served at gentle prices at the latest venture from the prolific young chef José Avillez.

Sweet Dreams in Seven Heavenly European Inns

Hop from the coast of England to an island in Germany to an olive orchard in Italy, exploring a suite of moderately priced properties.

Outside Lisbon, a Verdant World of Castles and Palaces

Sintra, about 20 miles west of the capital, is one of Portugal’s crown jewels.

Finding a Global Groove in Lisbon

A spin around the city’s music scene reveals far more than fado, from indie jazz to African beats to American retro rock.





23/08/2017

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Rental Car Liability Coverage – Find Free Car Insurance Quotes and

#best price on rental cars
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Offers az residents courses in driver’s safety rental car liability coverage. Insurance agent or company costs by taking car insurance. A person affects his decision on what is available. Also you are able to pay for it, then you will have an impact. You don’t have to pay. The driver’s attention span and they must be satisfied with anyone.

Be in perfect physical condition of your occupation. Be without auto insurance companies provide information that you take out. Company with a specialist in the state.

Certain number of accidents and they also have a good deal. Chances are you’ll keep putting off. Do not buy car insurance for women. Consumers therefore could find discounts for insuring you for those as your driving license reinstated.

middlesex st lowell ma They also receive better rates can vary widely between insurance companies. Also helps lower the risk. Companies offer great pricing is surely expensive to maintain comprehensive coverage you can be very tasking. But it is considered as a wise investment if you do you know where you can drive up 35%.





23/08/2017

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Full Coverage Auto Insurance – Get Quotes & Save $$$! #full


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Full Coverage Auto Insurance

Did you know that most people pay too much for full coverage auto insurance? Why? Simply because they don t compare quotes and buy the first policy they get offered. If you would like to save up to 35% all you have to do is complete our quick online form. We will do all the hard work and find the best quotes based on your requirements. You will have the freedom to choose the policy that suits you, not to mention save time and money!

There is a question that bugs many car owners – is it a must that they obtain full coverage car insurance? Actually, it is not necessary – this is because the only stipulated insurance coverage required from car owners is liability car insurance. By definition, full coverage type of car insurance is simply a combination of comprehensive coverage, collision coverage and liability insurance.

Collision coverage

Collision coverage is a part of your auto insurance policy that provides financial protection from having to fix or replace your car if you are in a wreck. If you cause a wreck, this portion of your policy pays to replace your car based on the fair market value before the wreck or repair it to its previous condition. If you are in a wreck that is the other driver s fault, their liability coverage will pay for your damages. However, if you are at fault in the accident, your collision coverage will pay for the damage to your own vehicle.

Comprehensive Coverage (Comp, Other Than Collision, OTC)

If your car gets stolen, comprehensive coverage will help you.

As part of a full coverage auto insurance policy, comprehensive coverage is often sold to consumers. Comprehensive coverage is a part of your policy that will provide protection for your vehicle from other sources of damage. If your car is damaged by something other than a collision with another vehicle, it could be covered by this part of your policy. Some of the potential items that could be covered by comprehensive coverage are:

  • Fire damage
  • Theft
  • Vandalism
  • Storm damage
  • Tree branches
  • Hitting an animal

When you file a comprehensive claim on your auto insurance, you typically will not have to pay as high of a deductible as you would if you filed a collision claim. Since most of these incidents could not be your fault, the insurance company does not charge you as much.

A vehicle owner who purchases full coverage car insurance is assured of protection against anything that might go wrong when it comes to possible damages to his car or those that might be caused by the car. Full coverage is also assured if the vehicle is stolen. Unfortunately, because the law does not require full coverage car insurance, many car owners opt not to purchase them.

Full Coverage Car Insurance – Total Protection for Car and Owner

Most of the time, owners are able to purchase full coverage car insurance only because they are able to obtain a bank or financial loan or other types of loans. Most lenders and banking institutions include full coverage car insurance as an essential requirement when signing their vehicle automobile lending contracts. This is done to ensure a complete protection to the investment of the lender. If an accident happens, and it damages the vehicle, full coverage care insurance will either fix the car or replace it altogether. Basically, protection covers the car owner, as well.

For example, an individual is able to purchase a $50,000 luxury car but decides not to purchase full coverage car insurance. If an unfortunate thing happens to the car, like if it gets stolen, it still needs to be paid. This means the borrower continues to pay the monthly installment even if the car is not around anymore. This also means that he will not be able to afford to purchase another car. However, if full coverage car insurance is in place, it will protect both the car owner and lender. In case, a car is stolen, such insurance makes sure it is replaced.

Medical Expenses paid by Liability Insurance

Indeed, any individual does not choose for any accident to happen. However, it is a known fact that car accidents occur every day in the United States. In each case, the primary concern is the full safety of the driver and passengers. However, it cannot be avoided that there are cases when people get hurt in such accidents. These complications would obviously need medical, or even emergency attention, and of course, hospital expenses. However, if liability insurance is obtained together with the full coverage car insurance, such medical expenses will likewise be covered. Likewise, the two vehicles that are involved in the accident will also be covered if the car owner responsible for the accident has full coverage car insurance. This is likewise significant if the accident is deemed to be an act of God.

How to make Full Coverage Car Insurance Affordable

Generally, full coverage car insurance can be quite expensive. However, if a car owner gets them for his vehicle; it is undoubtedly worth it in case an accident might happen. There are a number of steps that an owner needs to do in order to get cheap full coverage car insurance. The first step to make is to maintain a clean and accident-free driving record. It is a fact that when applying for vehicle insurance, offenses in driving will increase the cost of the policy of a full coverage car insurance.

One way of ensuring an immaculate record is by avoiding fines and tickets. Another step to make in order to obtain an affordable, full coverage is by raising the deductible. If one selects a zero-deductible policy, the car owner must simply expect to pay much for insurance. However, if he decides to get a $500-deductible, this can make a tremendous difference to the insurance by a significant 10 percent. And considering the fact that the costs of living these days are high, such ten percent figure can result in huge savings.

Adding collision and comprehensive to your policy can provide you with some major benefits as a vehicle owner. If you are using a car loan to buy your vehicle, both of these options will help protect your financial position. For example, if your vehicle were to be damaged in a wreck, you would want the insurance company to pay to replace or repair it. This way, you re not stuck with a car loan on a car you can no longer drive. Before opting for a liability only insurance policy, you may want to consider adding these two components as well.

Regardless of whether you have a loan on your vehicle or not, adding collision and comprehensive makes sense if you have a newer vehicle. Unless you can afford to completely replace your vehicle out of pocket, and you don t mind doing so, these two coverage options are worthy of inclusion in your auto insurance policy.

Get Best Full Coverage by Obtaining Quotes Online

Save $$$ simply by comparing quotes

Its never been easier to compare full coverage car insurance quotes. You can contact each insurer individually or you can save a lot of time and get quotes hassle free by simply using our online form. Insurance industry experts recommend getting at least 3 quotes before making a decision. And yes, you may be shocked by how much do rates differ from company to company.

Lets face it, auto insurance its a tough business and all insurers are fighting for new customers by offering special deals and discounts. You should never go with the first quote you get or just renew your policy each year without looking for a better deal. Filling one easy form can save you hundreds of dollars.

What are you waiting for? Enter your details and requirements now, and see just how much you could save.


11/08/2017

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How much car insurance should you buy? #car #insurance #coverage, #liability


Second, you need enough car insurance to protect your life from turning into a living hell if you have a car accident. That can be as easy as buying the minimum coverage. Or it can be much more complicated.

We’ll walk you through our guide on figuring this out.

Who should buy minimum levels of liability car insurance?

  • Minimum liability is rarely advisable, but if you can’t afford more, it’s better than no insurance.
  • If you have no savings or assets, minimum liability coverage may suffice.

In most states the minimum liability required by your state is not enough to pay for serious injuries or to replace a newer car. It is only enough to drive legally.

If you own only the clothes on your back and a very old car, you can get by with just the minimum levels of liability mandated by your state. That s because you’re probably what is known as “judgment-proof.” You may lose if someone decides to take you to court to pay for an accident you cause, but you have no real assets to take.

If you have savings or a home or even expensive jewelry and valuable collectibles, you are not judgment-proof. And you need more coverage.

To help you decide how much liability insurance you need, we’ve created three liability insurance levels as a rough guide. Levels of coverage offered will vary by state and by insurer. Liability insurance will not repair your own car.

In the levels below:

  • The first two numbers refer to bodily injury liability, which pays the hospital bills of anyone you injure.
  • The first number is the per-person limit.
  • The second is the per-accident limit.
  • The third number is the property damage liability limit, which would repair or replace the car of anyone you hit.

50/100/50: This level of coverage is recommended for those who have an older car, few assets, don t drive much and are on a tight budget, for instance college students and retirees who are downsizing.

100/300/100: This is the level most financial experts say is appropriate for middle-income earners with a typical level of savings, adequate in most circumstances. The cost of liability insurance, once you have bought the basic levels, does not increase exponentially. Moving to 100/300/100 will not cost twice as much as 50/100/50. In an analysis of rates, CarInsurance.com found that it costs just $96 more a year, on average.

250/500/100: If you own an expensive home or have saved diligently, you may be worth millions even though you do not consider yourself rich. We would suggest supplementing even this high level of coverage with an umbrella liability policy that extends your protection by $1 million or more. It s relatively cheap.

Who should buy uninsured motorist car insurance?

  • If you have your own health insurance and you have purchased collision coverage, you may be able to skip uninsured motorist coverages if your state allows.
  • It is a good idea to keep uninsured motorist coverages if you can afford to, because they can minimize your financial losses from deductibles and coverage caps.

Your state may require that you buy uninsured motorist bodily injury coverage, which pays your hospital bills if you are hit by an uninsured driver. Your state may require only that you be offered this coverage but allow you to turn it down.

If you buy this coverage, it typically will come in the same amounts as your own liability coverage.

Uninsured motorist coverage costs an average of $83 a year, according to a CarInsurance rates analysis.

A few states also require uninsured motorist property damage, which usually pays for some — but not all — of the damage to your own car. It doesn t cover hit-and-run accidents in most states, though.

Do you need comprehensive and collision coverage?

  • Yes, if your car is less than 10 years old.
  • Yes, if you can’t afford to repair or replace your car.
  • Yes, if you live in an area prone to flooding, hail, tornadoes or animal strikes.

Comprehensive insurance pays for damage to your car from severe weather, fire, collisions with animals and theft. Collisions pays to repair your car if you cause an accident.

This is where car insurance for a 10 year old car comes into play. If your car is less than 10 years old, you should consider buying comprehensive and collision coverage. You should also carry comprehensive and collision insurance if your car is 10 years old or older, but worth more than $3,000, or if you can t afford to repair or replace it.

If you owe money on your car, your lender requires you to have collision and comprehensive coverage, which would repair or replace your car. Liability insurance pays only for others cars.

You must choose a deductible amount for collision and comprehensive coverages. Damage below this amount is your responsibility to fix.

We recommend that you keep deductibles low while you are still making payments on a car. Once the car is paid off, build an emergency fund and raise your deductible to match it.

Comprehensive costs an average of $172 a year, collision costs an average of $488 annually, according to CarInsurance.com s rate analysis.

Do you need medical payments or personal injury protection?

  • Yes, if you don’t have health insurance.
  • Yes, if you can’t afford or don’t have the savings to live without a loss of income due to injury.

Your state, especially if it is a no-fault state, may require that you buy personal injury protection so that your injuries in a car accident are always covered up to your limits, no matter whose fault the accident was. It usually includes coverage for lost wages as well.

Medical payments coverage is required by a few states but is optional in most, paying medical expenses up to your limits. If you don t have your own health insurance coverage, you should consider this coverage. If you have a high-deductible health plan, medical payments may help pay the deductible.

Personal injury protection costs an average of $198 yearly. Medical payments costs an average of $22 a year, according to CarInsurance.com s rate analysis.

How should you save money on car insurance?

In order of impact and potential savings, we suggest the following steps for drivers trying to save money on their car insurance bills:

  • Shop around. You will see that the rates major insurers charge the same driver in the same car can vary by hundreds, sometimes thousands, of dollars. See how much average car insurance rates can differ in your neighborhood by entering your ZIP code into our comparison tool.
  • Look for car insurance discounts .
  • Consider a named driver exclusion if a member of your household has a high-risk driver history.
  • Raise your deductibles.
  • Drop collision and comprehensive coverage altogether if you own your car outright.
  • Drop other optional coverages such as uninsured motorist or medical payments.
  • Reduce the amount of liability coverage you are buying.

06/08/2017

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Trucking Insurance, Commercial Truck Insurance Carolina #trucking #insurance, #truck #insurance #coverage,


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Truck Liability Primary Liability Insurance coverage protects the Trucking Company from damage or injuries to other parties as a result of a truck accident. Truck Liability Insurance coverage is designed to protect the public and in order to be compliant with State and The Federal Motor Carrier Safety Administration, proof of this coverage in forms of State and Federal Filings are required.

Workers Comp Bye Insurance provides Workers compensation insurance to protect your business’ most valuable asset – your employees. Bye Insurance is committed to workplace safety and protecting businesses from the financial consequences of workplace injuries.

Physical Damage and Trailer Interchange Trucking Physical Damage Insurance is coverage for your truck and trailer. This insurance coverage is for repair or replacement for damage resulting from things such as collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism to your owned vehicles.

Cargo Insurance Truckers are in the business of hauling other business’ goods from one place to another for a fee. Motor Truck Cargo insurance is needed to protect the carrier in case of damaged freight. Motor Truck Cargo insurance coverage limits can range from $25,000 to $500,000 depending on what is being hauled.

Trucking Insurance

Thank you for choosing Bye Insurance. We offer a wide variety of Trucking Insurance Services in North South Carolina, Virginia, Georgia, and Tennessee. We also provide Commercial truck insurance. Property Insurance, General Liability Insurance and Workers’ Compensation insurance. We are more than just a team of agents; we are counselors and advisers who represent only the most highly rated insurance companies and work with you to formulate customized commercial trucking insurance services and solutions. With all the options out there it’s difficult to make an informed decision on the trucking insurance that’s right for you. If you have trucking insurance questions we have answers.

Other truck insurance services we offer are:

Call the trucking insurance experts today at Bye Insurance


06/08/2017

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Dominican Republic Travel Coverage – The New York Times #gullivers #travels

#travel replublic
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Hotel Review: Occidental El Embajador in the Dominican Republic

This beachside hotel, with a list of past guests from Trujillo to Rock Hudson, has reopened after a major renovation.

High Season Over, Now Is the Time for Beach Getaways

Beach destinations around the world are offering big savings without the crowds of winter — good reasons to book a trip and get a jump on summer.

Driving the Seam of Hispaniola

A road trip down the border between the Dominican Republic and Haiti reveals international strains and cultural highlights.

On an Island Hunt for Pieces of My History

Seeking to patch holes in her family history, the author travels to Aruba, her father’s childhood home.

Training in Baseball’s Cradle? It’s a Spring Break Option

By JENNY ANDERSON

At New York’s private schools, the opportunities for students to travel internationally have grown.

In the Caribbean, a Wave of New Resorts Offers a Range of Enticements

By ELAINE GLUSAC

A preview of five new and newly renovated hotels in the Caribbean.





04/08/2017

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Jamaica Travel Coverage – The New York Times #how #to #find

#jamaica travel
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Jamaica Will Always Be Home for Damian Marley

The son of the legendary reggae artist Bob Marley, who spends much of his time touring and also lives in Miami, talks about the joys of going back to Jamaica.

Tuesday’s Digest: Ace Hotel Expands, and Other Hotel News

What you need to know if you’re on a trip or planning one soon, including new Ace hotels in Pittsburgh and New Orleans, a deal in Dubrovnik and popular hotels expanding in Jamaica.

One Price Fits All

By SHIVANI VORA

Some luxury hotels’ all-inclusive vacation packages offer good value.

Music Camp for Kids, Vacation for Parents

Children can immerse themselves in Jamaica Music Camp while their parents get a reduced-price stay at a nearby resort.

Ian Fleming’s Villa, by the Room

Travelers can now rent a single bedroom at Ian Fleming’s former home in Jamaica.

36 Hours in Jamaica

Start in Kingston for cocktails and culture, then head north through verdant landscapes to sample Jamaican cuisine and catch some sun by the sea.

On a Caribbean Rum Trail

Touring Jamaica, Barbados and Martinique, sip by sip, to get a taste of rum culture, past and present.

A Farm-to-Resorts Movement

A number of new and expanding resorts in the Caribbean are emphasizing farm-to-table ties.

My Caribbean: 5 Vignettes





03/08/2017

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Cancel for any reason – Coverage #travel #sites

#travel insurance cancel for any reason
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Cancel for any reason Coverage

This coverage provides up to 100% of your total trip costs if you have to cancel your trip for any reason not listed in the standard coverage.

Let us tell you a story

Madeline and her friends from college had long planned a tour of the pyramids and monuments of Egypt. On Madeline’s 50th birthday, they decided the time had come. So they scheduled flights into Cairo and purchased a package tour.

Just three weeks before their scheduled departure, however, news of political unrest and reports of rioting, looting, and gunfire flashed across their televisions. The U.S. State Department orders non essential personnel and their families to leave the country. Trip cancellation coverage does not apply to situations of political unrest, but having ‘cancel for any reason’ coverage on their travel policies meant that Madeline and her friends could recover their costs and wait for a safer time to travel.

What does ‘Cancel for any reason’ cover?

This coverage provides reimbursement (up to the covered amount) for non refundable trip payments and pre-paid trip deposits if you have to cancel your trip for any reason not covered under the trip cancellation benefit.

This benefit is separate and different from trip cancellation coverage. ‘Cancel for any reason’ coverage is considered a ‘fail-safe’ by many travel insurance buyers who worry they may have to cancel their trip for a reason that is not covered by trip cancellation coverage and want to recover at least a portion of their expenses.

Understanding Cancellation Penalties

Coverage amounts vary from 50-100% depending on the plan and, in some cases, are subject to cancellation penalties. A cancellation penalty is the amount the travel supplier will not refund you if you have to cancel. The cancellation penalty determines the percentage that travel insurance will reimburse less the amount refunded by your travel supplier.

Using the above story as our example:

  • Madeline’s trip cost $5,000 and tour operator imposes a 50% cancellation penalty if the cancellation occurs no less than two weeks prior to departure.
  • Madeline cancels and is penalized 50%, or $2,500, by the tour operator who agrees to refund half her trip cost.
  • Madeline’s travel insurance penalty schedule provides 90% reimbursement if the penalty amount is up to 50% of the trip cost.

Thanks to her ‘cancel for any reason’ coverage, Madeline’s reimbursement looks like this:





02/08/2017

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Horse – Equine Insurance and Farm, Trainer, Instructor, Stable and Riding


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Protecting Farms, Families & Horses
Since 1984!

Welcome to Corinthian Insurance!

From the Corinthian Insurance Family

If you are looking to insure your farm, horse, business or yourself, you have reached the right place. Corinthian offers the best programs in Horse, Farm, Trainer/Instructor and Equine Liability Personal insurance from A rated companies that are knowledgeable in the farm and equine industries.

For over 35 years, Corinthian Insurance has been known as a leader in the farm, horse, and equine insurance community. When Joe Lombard founded Corinthian Insurance, he had a vision of an agency focused on providing farmers and equestrians with quality insurance products and personalized customer service. Joe’s knowledge of and passion for horses, combined with the fact that he was born and raised on a farm, separated him from other agents. Today his son Scott runs the office with the help of a talented staff. Corinthian now offers other lines of insurance such as Trainer and Stable Owner Commercial Liability, Automobile and Home owners policies too.

Did you know we insure:

  • Horses, Horse Farms, Trainers Instructors, Riding Clubs, and Horse Shows
  • Vegetable Farms
  • Dairy Farms
  • Sheep, Llama-Alpaca, Goats and other types of Traditional Farms
  • Home
  • Commercial Auto (Truck and Trailer)
  • Life

We are focused on providing our clients with an
exceptional experience!
Corinthian Agents ensure that You are properly protected!

Currently licensed in the following states
CA, CT, FL, ME, MA,NC, NH, NJ, NY, RI, SC, VA, VT

Insurance Information at your finger tips!

Our site offers a wealth of information available for your review. Feel free to contact our office with any questions you may have regarding equine insurance, horse farm, horse show, and trainer/instructor liability coverage or to discuss your particular requirements. Corinthian Insurance also provides home and auto policies and comprehensive “Umbrella” policies for all your insurance needs.
Useful Industry links Here!
Legal Disclaimer Here

Our Clients Say it Best!

Here at Corinthian, our main objective is to keep our clients happy and protected. We make every effort possible to ensure that a quick response and knowledgable answers are provided to each and every one of our insured. In return, many of our clients have submitted testimonials to express their appreciation.
To read what our clients have to say about Corinthian Insurance visit our Client page.

I could not be happier with Corinthian Insurance and all of its employees. I have known Joe for a very long time (over twenty years ) and he has always been so helpful and informative about all of my insurance questions.

As an equine professional myself I really appreciate the sincerity and devotion that Corinthian gives to me and my clients for all of our horses needs. I would not trust my show horses or pleasure horses with anyone else but Joe and Scott, I know their in good hands!

‘I recommend to all my boarders and training clients to insure their horses with Corinthian Insurance. ‘

Thank you for another year with peace of mind for my four legged family members!


01/08/2017

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Limited Partnerships and Limited Liability Partnerships #limited #liability #coverage


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Limited Partnerships and Limited Liability Partnerships

Limited partnerships (LPs) and limited liability partnerships (LLPs) are both businesses with more than one owner, but unlike general partnerships, limited partnerships and limited liability partnerships offer some of their owners limited personal liability for business debts.

In limited partnerships (LPs), at least one of the owners is considered a “general” partner who makes business decisions and is personally liable for business debts. But LPs also have at least one “limited” partner who invests money in the business but has minimal control over daily business decisions and operations. The advantage for these limited partners is that they are not personally liable for business debts.

The limited liability partnership (LLP) is a similar business structure but it has no general partners. All of the owners of an LLP have limited personal liability for business debts.

In order to better understand LPs and LLPs, it’s helpful to compare them to general partnerships.

What is a General Partnership?

In the business world, the word “partnership” usually refers to general partnerships. A general partnership is a business that has more than one owner and that has not filed papers with the state to create a specific entity such as a corporation or limited liability company (LLC). (To learn more about general partnerships, see Nolo’s Partnerships area.)

In a general partnership:

  • all partners (called general partners) are personally liable for all business debts, including court judgments
  • each individual partner can be sued for the full amount of any business debt (though that partner can in turn sue the other partners for their share of the debt), and
  • each partner has “agency authority” for the partnership — that is, each partner can bind the whole business to a contract or business deal.

How Are Limited Partnerships Different?

A limited partnership has at least one general partner and at least one limited partner. The general partner has the same role as in a general partnership: controlling the company’s day-to-day operations and being personally liable for business debts.

The role of limited partners, however, differs in a few ways:

  • Limited partners do not play an active role in the business. The limited partners (most LPs have more than one limited partner) contribute financially to the business (for example, a limited partner might invest $100,000 in a real estate partnership) but have minimal control over business decisions or operations, and normally cannot bind the partnership to business deals.
  • Limited partners are not personally liable. In return for giving up management power, limited partners get the benefit of protection from personal liability. This means that a limited partner can’t be forced to pay off business debts or claims with personal assets. A limited partner, however, can lose his or her financial investment in the business.
  • Limited partners face slightly different tax rules. For income tax purposes, limited partnerships generally are treated like general partnerships, with all partners individually reporting and paying taxes on their share of the profits each year. Limited partners, as a rule, do not have to pay self-employment taxes; because they are not active in the business, their share of partnership income is not considered “earned income” for purposes of the self-employment tax.

Limited partners need to understand that they can become personally liable if they do not stick to their passive role. If a limited partner starts taking an active role in the business, that partner’s liability can become unlimited. If a creditor can prove that a limited partner took acts that led the creditor to believe that he or she was a general partner, that partner can be held fully and personally liable for the creditor’s claims.

Some states have carved out exceptions to this “active role in the business” rule. These exceptions usually allow a limited partner to vote on issues that affect the basic structure of the partnership, including the removal of general partners, terminating the partnership, amending the partnership agreement, or selling all or most of the assets of the partnership, without jeopardizing limited partner status.

Limited Liability Partnerships

Another kind of partnership, called a limited liability partnership (LLP) or sometimes called a registered limited liability partnership (RLLP), provides all of its owners with limited personal liability. LLPs are particularly well-suited to professional groups, such as lawyers and accountants. In fact, in some states LLPs are only available to professionals.

Professionals often prefer LLPs to general partnerships, corporations, or LLCs because they don’t want to be personally liable for another partner’s problems — particularly those involving malpractice claims. An LLP protects each partner from debts against the partnership arising from professional malpractice lawsuits against another partner. (A partner who loses a malpractice suit for his own mistakes, however, doesn’t escape liability.) Forming a corporation to protect personal assets may be too much trouble, and some states (including California) won’t allow licensed professionals to form an LLC.

How to Create an LP or LLP

Creating a limited partnership or limited liability partnership is done at the state level. Each state has its own rules, but in general you must pay a fee and file papers with the state, usually a “certificate of limited partnership” or “certificate of limited liability partnership.” This document is similar to the articles (or certificate) filed by a corporation or an LLC and includes information about the general and limited partners. Filing fees for LPs and LLPs are similar to those for corporations and LLCs.

For more information on limited partnerships, including how to draft a limited partnership agreement, get Form a Partnership: The Complete Legal Guide . by Ralph Warner and Denis Clifford (Nolo).

Talk to a Business Law attorney.


31/07/2017

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Australia Travel Coverage – The New York Times #airline #tickets

#australia travel
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Australia Travel Coverage

The Hidden Bars of Sydney

The hidden drinking den is something relatively new to — and apparently dearly loved by — Australia’s largest city.

Hiking and Biking in Tasmania

Tasmanian Tour Ride & Seek, an Australian outfitter offering trips in a dozen countries, has added a destination close to home.

Resort and Cruise News: Safaris by Air in Australia

What you need to know if you’re on a trip or planning one soon, including new lodging at a safari park in England, and a new water park on a Royal Caribbean ship.

Identification, Please

Learning how to use a field guide can make you feel at home anywhere in the world.

A New Take on Tasmania

A new bike tour from Gray & Co. includes rides in the Huon Valley and Freycinet National Park in Tasmania.

A Cultural Escape North of Melbourne

Bendigo, a town that struck it rich in Australia’s 19th-century gold rush, has other treasures to offer now.

The Woman Who Walked 10,000 Miles (No Exaggeration) in Three Years

For Sarah Marquis, a very long hike — like one she took from Siberia through the Gobi Desert, China and eventually Australia — can become a voyage of discovery.

36 Hours in Canberra, Australia

In the country’s capital, situated between Sydney and Melbourne, you’ll find everything from culture to cycling, political history to panoramic views.

In Sydney, Lively Culture Amid Natural Beauty

From museums to movies, galleries to art tours, explore the cultural side of a city known for its looks.





30/07/2017

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Imperial Insurance Group #florida #insurance, #quotes, #policy, #affordable, #coverage, #medical, #auto


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  • The right policy at the right price Customized policies, options and pricing plans to fit your budget.
  • An established network of trusted partners We shop your policy to all major insurance carriers.
  • dedicated, knowledgable friendly agents Personalized 24/7 claims service. We work for you.

Looking for affordable insurance in the state of Florida ?

Health

There are over 46 million people without health insurance in the US. We epresent the biggest names for Health Insurance Coverage in Florida.Assurant.

Life

Protect your family and your loved ones. We are a broker for over 40 well know Life insurance carriers so we can help find the best available coverage at the right price.

Auto

With some of the Highest rates in the country, Florida residents sometimes struggle to find affordable Personal and or Commercial Auto Insurance. Let us show you how to save.

Homeowners

We know exactly who’s offering the most competitive and affordable Homeowners, Content, Renters, Flood and Condo Insurance policies in your area.


We are Enrollment Specialists for The Affordable Care Act Health Insurance Plans!

Tax Services At Imperial Insurance Tax, we’re dedicated to preparing your personal, business, state and federal income tax returns to your absolute complete satisfaction. Our tax preparers will work side by side with you during the tax filing process to ensure you receive the highest level of service.


29/07/2017

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Budget Travel Travel Coverage – The New York Times #travel #soon

#budget travel
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Budget Travel Travel Coverage

Latest Articles

  1. November 9, 2015

Weak Ruble Makes Russia More Accessible for Budget Travel

By THE ASSOCIATED PRESS

The ruble’s weak. The warnings about a complicated visa process were wrong, at least with a travel agency’s help. And current geopolitical tensions make this a good time to temper headlines about Russia with everyday people and places.

A Tour of the Middle East, and More, in Dearborn, Michigan

By SETH KUGEL

A sprawling Arab museum, a detour to the Henry Ford Museum, and a Lebanese meat market, where all is not as it seems.

Move Aside Budget Travel, Meet Chanel’s Luxury Airline

By THE ASSOCIATED PRESS

The sky was the limit in Karl Lagerfeld’s aviation-themed Chanel show on Tuesday, which saw an entire airport re-created under the lofty expanse of Paris’ Grand Palais.

Move Aside Budget Travel, Meet Chanel’s Luxury Airline

By THE ASSOCIATED PRESS

A $1,000 Day in London for $100

Our traveler, more pauper than prince, still manages to see much of London on a full stomach and a tight budget.

How to Rent a European Villa (and Not Go Broke)

Stretching Dollars, and, Yes, Feasting, in Lower-Priced Rio

For visiting Americans, due to Brazil’s struggling currency, Rio is a very different place from what it was last year.

The Art of ‘Farecasting’ the Lowest Airfare





26/07/2017

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France Travel Coverage – The New York Times #boscov #s #travel

#travel to france
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What Travelers Can Expect in Paris

If you’re visiting Paris, here’s what you need to know about flights, hotels, getting around and how to help in the wake of the attacks.

A Left-Bank Bistro Raises the Bar

The distinguished Michelin-starred chef Jean-François Piège has opened a 20-seat spot that deserves high marks for exquisite execution.

The True Heart of French Seaside Chic

Let the partiers keep the Riviera. Just a few hundred miles to the west sits the alluring little island of Île de Ré, and its unspoiled pastures and vineyards.

An Old Paris Hotel, in the Hands of a Graffiti Artist

André Saraiva teamed up with the writers Glenn O’Brien and Olivier Zahm to reimagine the famous Hôtel Grand Amour.

A Scourge in Paris, Love Locks Prevail in Other Cities

The ritual of securing a lock around a bridge may be here to stay. Love locks remain in Paris, which removed many, and have spread to cities from New York to Vancouver.

Places Where Hemingway Lived or Traveled

Hemingway liked Idaho in the fall, Key West for the fishing, but lived in Cuba longer than anyplace else.

Seduced by Beaune in Burgundy

A tour of ancient Beaune includes wine cellars, a mustard factory and the best dish in all of France.

Inside the Vibrant New Rooms of Paris’s Hotel Montana

By ALICE CAVANAGH

Newly renovated suites in the city’s legendary hotel were made to look “like an eccentric friend gave you a key to his apartment.”





25/07/2017

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Germany Travel Coverage – The New York Times #cheapest #air #ticket

#germany travel
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The $2,000-a-Day Berlin

A resident explores the unfamiliar, rarefied side of the city, with Michelin-starred restaurants, sumptuous spas and vaulted nightclubs.

In Europe’s Top Destinations, Hotels to Suit Your Wallet

Hotel pairs in six popular European cities, including Paris and Barcelona, offer alternatives at the high or low end of the budget spectrum.

Inventive Menus at Soho House Berlin’s New Restaurant

The Store Kitchen, off the lobby of Soho House in Mitte, is drawing a stylish crowd with its creative takes on ambitious, vegetable-focused dishes.

An Expat in Berlin for 36 Hours

By CHARLY WILDER

A writer who appears on the “36 Hours” Travel Channel series talks about why expatriates are streaming into Berlin.

36 Hours in Berlin

Summertime highlights, when Berliners head outdoors, include a boat tour, riverside restaurants and evenings enjoying the view from a rooftop playground.

Wedding in Berlin Finally Has Its Moment

The working-class area has long been trumpeted as up-and-coming. But a thriving night life is now helping it deliver on that promise.

Tracing Jewish Heritage Along the Danube

In Hungary, Slovakia, Austria and Germany, the river was a guide and a witness to vanished Jewish life.

In Berlin, History Squares Off Against Hip

On a trip with her 21-year-old daughter, a mother finds a divided city. Not between East and West, of course, but between serious and fun.





25/07/2017

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Israel Travel Coverage – The New York Times #airline #cheap #flights

#israel travel
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Gay Pride Week in Tel Aviv-Jaffa

The city of Tel Aviv-Jaffa’s annual Gay Pride Parade will focus for the first time on Israel’s transgender people.

Herod the Great’s Israel

Epic was the king’s preferred scale. He planned, sited, sourced and landscaped structures of classical antiquity across Israel and the West Bank.

In Israel, Opera Echoes From Rocks and Ruins

In the Judean Desert, with the mountain fortress Masada as a backdrop, the Israeli Opera mounts a “festival out of nothing.”

Hoping War-Weary Tourists Will Return to Israel

After a drop in visitors during this summer’s Gaza conflict, tourism officials are looking for a rebound.

Wet Hot Israeli Summer

I thought the trip might provide an opportunity to meet hot girl-sabras. I didn’t realize that it was really a chance to be with my father.

In Tel Aviv, a Port Is Reborn

Over the last decade, the city’s Namal port has been transformed into a leisure destination, with a boardwalk, restaurants and a farmers’ market.

In Israel, a Hint of New England

The Shalom Hotel and Relax in Tel Aviv mixes the décor of New England with the views of the Mediterranean.

Going Rogue

By TIM ADAMS

Claire Danes plays an endearingly intense spy on “Homeland,” so where better to film season 2 than in the work-hard-play-hard city of Tel Aviv?





23/07/2017

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Mexico City Travel Coverage – The New York Times #brazil #travel

#travel mexico
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Mexico City Travel Coverage

Seeing Mexico City, Guided by Architects

A pair of Mexico’s starchitects lead a selective tour of the capital’s buildings, including some of their own design.

Finding Mexico City, and Luis Barragán, Again

After an absence, the author returns to the capital and renews his appreciation of the great Mexican architect.

Must-Eat Dishes, From Myanmar to Mexico City

Food experts offer their tastes to try in five parts of the world.

36 Hours in Mexico City

Where to begin in the nearly 500-year-old capital? This weekend itinerary can get you started, with stops at museums and markets, bars and bell towers.

Mexico City for Tamales, Tortas and Tacos

By J. J. GOODE

Tamales wrapped in a roll? Taco filling carved from a spit? The New York restaurateur Roberto Santibañez returns to his native city to reveal variations on these well-known foods.

An Old Mexico City Colonia on an Upswing

By FREDA MOON

In a crumbling neighborhood once considered the Broadway of Mexico, an art scene emerges.





22/07/2017

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Morocco Travel Coverage – The New York Times #sherman #s #travel

#morocco travel
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In Morocco, Exploring Remnants of Jewish History

In looking for traces of the Jews who lived in the walled quarters of Morocco, a sense of urgency prevails about future of the country’s Jewish legacy.

Morocco, From Coast to Desert

A seven-day journey turns up a kaleidoscope of centuries-old souks, dusty colonial-era outposts, livestock markets and luxury restaurants.

Four Stops Across Morocco

Planning a seven-day journey across Morocco, from Atlantic shores to Saharan dunes, can be an odyssey. Here’s how to do it.

A Stroll by the Casbah in Northern Morocco

Chefchaouen may be known for its location amid hashish farms, but its relaxed charms go far beyond that.

36 Hours in Casablanca

Morocco’s cosmopolitan port beckons with its convivial cafes, colorful markets, waterfront nightclubs and a palm-filled park for a quiet stroll.

Hotel Review: Riad Star in Marrakesh, Morocco

This three-story B & B, situated in the heart of the old city, was once Josephine Baker’s home.

Inside the Walls of Fez

Relying on instinct, hospitality and a bit of technology, the author discovers the rewards of exploring the Moroccan city’s medina without a guide.

8 Hotels to Look Out for in 2011

By ELAINE GLUSAC

From Miami to Jaipur, new hotels hope to be noticed for distinctive touches.





22/07/2017

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Paris Travel Coverage – The New York Times #going #places #travel

#travel to paris
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What Travelers Can Expect in Paris

If you’re visiting Paris, here’s what you need to know about flights, hotels, getting around and how to help in the wake of the attacks.

A Left-Bank Bistro Raises the Bar

The distinguished Michelin-starred chef Jean-François Piège has opened a 20-seat spot that deserves high marks for exquisite execution.

An Old Paris Hotel, in the Hands of a Graffiti Artist

André Saraiva teamed up with the writers Glenn O’Brien and Olivier Zahm to reimagine the famous Hôtel Grand Amour.

A Scourge in Paris, Love Locks Prevail in Other Cities

The ritual of securing a lock around a bridge may be here to stay. Love locks remain in Paris, which removed many, and have spread to cities from New York to Vancouver.

Places Where Hemingway Lived or Traveled

Hemingway liked Idaho in the fall, Key West for the fishing, but lived in Cuba longer than anyplace else.

Inside the Vibrant New Rooms of Paris’s Hotel Montana

By ALICE CAVANAGH

Newly renovated suites in the city’s legendary hotel were made to look “like an eccentric friend gave you a key to his apartment.”

36 Hours in Paris, Right Bank

Discover the multiple personalities of the Right Bank, from its most intimate streets to its monumental boulevards and open spaces.

In Europe’s Top Destinations, Hotels to Suit Your Wallet

Hotel pairs in six popular European cities, including Paris and Barcelona, offer alternatives at the high or low end of the budget spectrum.





22/07/2017

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Patagonia Travel Coverage – The New York Times #cheap #flight #and

#patagonia travel
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Patagonia Travel Coverage

Sailing to the End of the World in Patagonia

A three-night cruise through southern Argentina brings views of mountains, glaciers and 100,000 penguins — and not a cellphone in sight.

Chilean Patagonia’s Peaks, Up Close

Even as the world has gotten smaller and more familiar, dramatic Patagonia retains a feeling of being truly far away.

In Argentina, Glaciers by Way of Patagonia

A four-day road trip in search of adventure and solitude takes a traveler by some of Argentina’s most dramatic vistas.

Bahia Bustamante: Argentina’s Secret (and Private) Answer to the Galapagos

In a huge, almost untouched swath of Patagonia, hundreds of species live in private bliss. A few hundred people a year can join them.

Trout Fresh From the Sea at the End of the Earth in Argentina

After feeding in the steel blue waters of the southernmost Atlantic, fattened fish return to the Irigoyen River.

Machu Picchu, Without Roughing It

By MICHELLE HIGGINS

Companies are increasingly offering ever more luxurious experiences and softer adventures.

Patagonia in a New Light

Seeing the spectacular Paine Massif, near the bottom of the world, can be a demanding trek or, with new lodges, a walk in the park.

Chasing Snow South in Argentina





21/07/2017

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Rental Car Liability Coverage – Find Free Car Insurance Quotes and

#best price on rental cars
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Offers az residents courses in driver’s safety rental car liability coverage. Insurance agent or company costs by taking car insurance. A person affects his decision on what is available. Also you are able to pay for it, then you will have an impact. You don’t have to pay. The driver’s attention span and they must be satisfied with anyone.

Be in perfect physical condition of your occupation. Be without auto insurance companies provide information that you take out. Company with a specialist in the state.

Certain number of accidents and they also have a good deal. Chances are you’ll keep putting off. Do not buy car insurance for women. Consumers therefore could find discounts for insuring you for those as your driving license reinstated.

middlesex st lowell ma They also receive better rates can vary widely between insurance companies. Also helps lower the risk. Companies offer great pricing is surely expensive to maintain comprehensive coverage you can be very tasking. But it is considered as a wise investment if you do you know where you can drive up 35%.





21/07/2017

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Comparing 4G coverage #network #coverage #comparison


Comparing 4G coverage

Editors’ note: This chart was originally published December 2, 2010. It has been updated with new information.

With the iPhone 5 and all top Android phones utilizing 4G LTE, network speed and robustness have become major selling points for carriers competing to win over customers. Long Term Evolution, or LTE, is the latest iteration of the so-called fourth-generation (4G) cellular wireless standards, boasting speeds that meet — or in some cases beat — that of Wi-Fi.

However, as carriers continually expand their 4G LTE coverage every few months, it’s hard to keep track of just how wide the scope and scale of each carrier’s 4G network vary. Some cover a lot of ground while others cover barely any at all. As a result, it can take a lot of effort to determine where in the country you can find high-speed data access and how the different carrier networks contrast and overlap.

More carrier information

To save you time, we’ve compiled a handy chart that details 4G LTE coverage for AT T, Sprint, MetroPCS, and Verizon. With 371 markets under its belt, Verizon has been the most aggressive with its rollout, but in most major cities, and many medium-size and smaller markets, you can get 4G LTE from at least three other wireless providers. And, for the first time since our last update of this chart, all 50 states now have some sort of coverage.

Before you begin, there are a couple of things you should keep in mind. For most metro areas, you can assume that neighboring cities and immediate suburbs are covered as well, even if we don’t list them separately.

For example, even though Verizon lists Oakland and San Jose, Calif. as part of its covered cities, they’re considered to be under “San Francisco Bay Area” in our chart here. We also grouped together cities with common associations like Dallas/Ft. Worth and Minneapolis/St. Paul.

Lastly, this list is based on the carriers’ own claims; coverage in the areas listed has not been independently verified by CNET. When carriers widen their networks even more, we’ll update this story periodically as news warrants. In the meantime, please let us know if we missed a carrier’s 4G presence in your area or if we overlooked your town entirely.


21/07/2017

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South Africa Travel Coverage – The New York Times #travel #guide

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South Africa Travel Coverage

36 Hours in Cape Town

A plan for this stunning city might include a 5K run (or walk), browsing farm markets, dinner at a wine estate and, no surprise, heading up Table Mountain (by cable car).

Apps Help Navigate Africa’s Many Gems

Tracking wildlife, following in history’s footsteps or learning which documents are needed for travel, all from your phone.

Want to Visit South Africa? How to Survive a Long Flight

There are ways to make a 16-hour flight a little less painful. We all know to hydrate, but how about a little yoga at 39,000 feet?

Big Game Hunting Is Also Big Business for Wealthy Few

The killing of Cecil the lion has shed a spotlight on safari hunts, an elite pursuit with a price tag of tens of thousands of dollars.

Staying Where Mandela Did

By SHIVANI VORA

The Nelson Mandela Center for Reconciliation, in a private game reserve in South Africa, is now available for travelers to rent.

Near or Far, Head South to Escape the Winter

From St. Vincent to South Africa, the Travel section has some suggestions for sunny getaways — just in time for spring break.

In South Africa, Fine-Art Landscapes for Postcard Prices

Along Route 62 — popular with locals but virtually unknown to foreign visitors — there are plenty of towns with laid-back, eccentric states of mind and very reasonable prices.

Restaurant Report: La Parada in Cape Town

Despite inconsistent food, La Parada is the buzziest restaurant on Cape Town’s buzziest street.





21/07/2017

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Trip Cancellation vs. Cancel for Any Reason Coverage #travel #airline #tickets

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Trip Cancellation vs. Cancel for Any Reason

At InsureMyTrip, we know the importance of expecting the unexpected. Lucky for you, and all of our travelers. There are two different benefits that will cover a cancelled trip: trip cancellation and Cancel for Any Reason

Trip Cancellation

You will find basic trip cancellation coverage in every comprehensive policy. This will extend coverage for the cancellation of a trip for specific unforeseen, covered reasons. Commonly, travel insurance plans will cover reasons such as:

  • The unexpected illness or injury of you and/or a traveling companion that deems you unfit to travel, by order of a licensed physician
  • The hospitalization or death of a non-traveling family member
  • Weather or common carrier related issues (varies by policy)
  • Unforeseen natural disasters at home or the destination
  • A legal obligation, such as being called for jury duty or to appear as a witness in court

The details vary from provider to provider and with each plan. If you do need to cancel, you will be reimbursed 100% of the prepaid, non-refundable trip cost for which you are insured and can provide documentation. All of this coverage, is only if the trip is cancelled due to a specific, unforeseen covered reason.





07/07/2017

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Iceland Travel Coverage – The New York Times #arc #travels

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Cruise and Hotel News: Tracing a Viking Route in Iceland

What you need to know if you’re on a trip or planning one soon, including a a new lodge near Yosemite and a boutique hotel in Guadalajara.

In Iceland, Seeking a Luxury Hotel Amid the Rustic Charm

A trip outside Rejkyavik, where minimalist aesthetics and raw nature coexist.

Trout Fishing in Iceland

The fishing guides Barry and Cathy Beck will be hosts of a trip to Iceland for Frontier International Travel.

Four Mostly Hangover-Free Bachelor Party Getaways

Before those wedding bells ring, take a trip that everyone will remember (and the groom won’t regret).

Hotel Review: Hlemmur Square in Reykjavik, Iceland

This centrally located property, which opened in June, combines a hotel and a hostel under one roof.

36 Hours in Reykjavik

See the city’s award-winning new architectural landmark, stay up (very) late on a pub crawl, find peace on a nearby island and far more during a weekend in Iceland’s capital.

The Lights and Nights of Reykjavik

In winter, when the sun sets early and darkness dominates, Reykjavik offers plenty of options to escape hibernation.

Escape From the Jet Age

By disrupting all air travel, the Icelandic volcano has reminded us of the pleasures of traveling by land or sea.

36 Hours in Reykjavik, Iceland





14/06/2017

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Cancel for any reason – Coverage #hkb #travels

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Cancel for any reason Coverage

This coverage provides up to 100% of your total trip costs if you have to cancel your trip for any reason not listed in the standard coverage.

Let us tell you a story

Madeline and her friends from college had long planned a tour of the pyramids and monuments of Egypt. On Madeline’s 50th birthday, they decided the time had come. So they scheduled flights into Cairo and purchased a package tour.

Just three weeks before their scheduled departure, however, news of political unrest and reports of rioting, looting, and gunfire flashed across their televisions. The U.S. State Department orders non essential personnel and their families to leave the country. Trip cancellation coverage does not apply to situations of political unrest, but having ‘cancel for any reason’ coverage on their travel policies meant that Madeline and her friends could recover their costs and wait for a safer time to travel.

What does ‘Cancel for any reason’ cover?

This coverage provides reimbursement (up to the covered amount) for non refundable trip payments and pre-paid trip deposits if you have to cancel your trip for any reason not covered under the trip cancellation benefit.

This benefit is separate and different from trip cancellation coverage. ‘Cancel for any reason’ coverage is considered a ‘fail-safe’ by many travel insurance buyers who worry they may have to cancel their trip for a reason that is not covered by trip cancellation coverage and want to recover at least a portion of their expenses.

Understanding Cancellation Penalties

Coverage amounts vary from 50-100% depending on the plan and, in some cases, are subject to cancellation penalties. A cancellation penalty is the amount the travel supplier will not refund you if you have to cancel. The cancellation penalty determines the percentage that travel insurance will reimburse less the amount refunded by your travel supplier.

Using the above story as our example:

  • Madeline’s trip cost $5,000 and tour operator imposes a 50% cancellation penalty if the cancellation occurs no less than two weeks prior to departure.
  • Madeline cancels and is penalized 50%, or $2,500, by the tour operator who agrees to refund half her trip cost.
  • Madeline’s travel insurance penalty schedule provides 90% reimbursement if the penalty amount is up to 50% of the trip cost.

Thanks to her ‘cancel for any reason’ coverage, Madeline’s reimbursement looks like this:





11/06/2017

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Germany Travel Coverage – The New York Times #travel #agent

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The $2,000-a-Day Berlin

A resident explores the unfamiliar, rarefied side of the city, with Michelin-starred restaurants, sumptuous spas and vaulted nightclubs.

In Europe’s Top Destinations, Hotels to Suit Your Wallet

Hotel pairs in six popular European cities, including Paris and Barcelona, offer alternatives at the high or low end of the budget spectrum.

Inventive Menus at Soho House Berlin’s New Restaurant

The Store Kitchen, off the lobby of Soho House in Mitte, is drawing a stylish crowd with its creative takes on ambitious, vegetable-focused dishes.

An Expat in Berlin for 36 Hours

By CHARLY WILDER

A writer who appears on the “36 Hours” Travel Channel series talks about why expatriates are streaming into Berlin.

36 Hours in Berlin

Summertime highlights, when Berliners head outdoors, include a boat tour, riverside restaurants and evenings enjoying the view from a rooftop playground.

Wedding in Berlin Finally Has Its Moment

The working-class area has long been trumpeted as up-and-coming. But a thriving night life is now helping it deliver on that promise.

Tracing Jewish Heritage Along the Danube

In Hungary, Slovakia, Austria and Germany, the river was a guide and a witness to vanished Jewish life.

In Berlin, History Squares Off Against Hip

On a trip with her 21-year-old daughter, a mother finds a divided city. Not between East and West, of course, but between serious and fun.





30/05/2017

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Morocco Travel Coverage – The New York Times #flight #hotel

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In Morocco, Exploring Remnants of Jewish History

In looking for traces of the Jews who lived in the walled quarters of Morocco, a sense of urgency prevails about future of the country’s Jewish legacy.

Morocco, From Coast to Desert

A seven-day journey turns up a kaleidoscope of centuries-old souks, dusty colonial-era outposts, livestock markets and luxury restaurants.

Four Stops Across Morocco

Planning a seven-day journey across Morocco, from Atlantic shores to Saharan dunes, can be an odyssey. Here’s how to do it.

A Stroll by the Casbah in Northern Morocco

Chefchaouen may be known for its location amid hashish farms, but its relaxed charms go far beyond that.

36 Hours in Casablanca

Morocco’s cosmopolitan port beckons with its convivial cafes, colorful markets, waterfront nightclubs and a palm-filled park for a quiet stroll.

Hotel Review: Riad Star in Marrakesh, Morocco

This three-story B & B, situated in the heart of the old city, was once Josephine Baker’s home.

Inside the Walls of Fez

Relying on instinct, hospitality and a bit of technology, the author discovers the rewards of exploring the Moroccan city’s medina without a guide.

8 Hotels to Look Out for in 2011

By ELAINE GLUSAC

From Miami to Jaipur, new hotels hope to be noticed for distinctive touches.





28/05/2017

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