European Vacation Dreams – Top Tips For A Great European Vacation

Are you thinking about a European vacation this year? Dont let your dream trip sink to the level of the infamous National Lampoons European Vacation! Read on for some great tips from an expert on European vacation trips and make sure that your vacation in Europe is a relaxing success.

One:

Consider choosing a travel company who specialize in European vacation packages. The do-it-yourself approach to a holiday in Europe may suit you very well but it does need a lot more planning and possibly more knowledge of languages ​​other than English. A European vacation package company will take care of many of the basic travel and accommodation arrangements for you; leaving you free to relax and enjoy your trip.

Two:

If you are planning a European vacation tour then make sure that you leave enough time to properly get to know each country that you visit. Europe is a very diverse place. You will find much that is familiar to you in the UK and Ireland but a lot that feels very different in Turkey or rural Greece. Do take time to enjoy the cultural differences and remember, that's why you're going in the first place!

Three:

Try to learn a few words of language for each country that you plan to visit. You do not need to be at all fluent, but making the effort creates a big impression. The laughs to be had when trying to communicate can break the ice and form lasting friendships. Many people speak English in the Scandinavian countries, in Holland and in Germany. Fewer of the locals speak English in France or Italy. In Spain, Greece and Portugal, English is spoken broadly in the tourist costal resorts but not elsewhere.

Four:

A cheap Europe vacation is easier to organize if you have plenty time to do the planning (easiest on the internet) and a long time to spend in Europe when you arrive. Being fussy about timing and travel schedules will make it harder to travel at bargain prices. There are a large number of very low cost frills airlines in Europe now but they may not always operate daily services. Be prepared to be flexible if you want to save money. European travel is diverse and the possibilities are endless. Dont restrict yourself to air travel. You can travel Europe by train or travel Europe by coach and still have just as much fun.

Five:

The big cities and bright lights will be more expensive than the smaller towns and rural areas. Taking France as an example: you could stay three nights in a very nice hotel in Normandy for the same price as one night in a mediocre place in central Paris.

Six:

Please do not forget to have fun. A European vacation can offer everything you ever dreamed of – but be prepared to be flexible and – more important, be prepared to try something new. Your Europe vacation will be a much richer experience if you do.

Is There a Lot of Risk Investing in Bonds?

Every investment you go for carries a certain amount of risk. The question is whether you are happy with a large amount of risk, or you would prefer settling for a smaller amount. Investing in bonds is no exception to this rule, and this means you have to think carefully and work through the facts before you decide whether to invest or not.

When you invest in bonds you need to be able to accept that part of your bonds or possibly even all of them may be lost. So if you are investing money you do not want to lose, you may be better off looking for a more secure investment.

Of course you can make a decent profit on a bond investment – it all depends on the nature of the investment, how risky it is and the various conditions in place at the time.

Generally speaking there are different types of bonds available with different goals in place for them. So if you do not like to take much risk you can think about investing in a bond that is more secure. If you want to go for more profits you need to opt for one that also offers more risk. This is how the bond system works.

The best position to start from then is one of knowledge. For example you need to know how settled you are with the idea of ​​risking your money. Some people save up a certain amount to invest in bonds, knowing they are not relying on this amount of money for any other reason. In this way they will know that if the worst happens and they do lose the lot, it will not affect their life in any way.

One thing to bear in mind with the risks associated with bonds is that they are generally safer as an investment vehicle than the stock market is. So if you find stocks unappealing because of the risks involved, bonds provide the next step down and it could be enough to make you feel safer in investing in this way.

Finally, look at the yield for any particular bond to gauge how risky it is. The better the yield is heralded to be, the more risk is involved with it. You can use this as a yardstick to figure out whenever you have found the right bond investment for you.

Cheap Air Flights – The Easy Guide to Exploring Your Array of Travel Choices

Feeling excited? You have finally decided to get with the program. Down tools at work, and book up an exciting trip to foreign lands. Cool! Think about it. Warm beaches, sunshine, cocktails and a good vibe. It's going to be great! Only one thing. First of all you have to get there. And whilst it is great to splurge out the cash when you actually get away on holiday. It is a nice feeling to know that you have not splashed the cash on the flight to get yourself over there in the first place! So, this is where this article will start to set you on the right track. Ok. So you want a cheap air flight to somewhere exotic. What's the first step?

To answer that question the first step really comes with planning. Before you can decide on an exotic location it is necessary to plan. Such factors as budget, length of time that you have available for the trip, preferences in terms of the type and style of holiday that you seek, and the availability both of yourself in terms of time, and any companions that you wish to travel with must be considered. Because, while it can be great to go traveling on your own. And in fact some of the biggest adventures you will ever have will come when you are traveling solo! It is also a fact that traveling with someone you like, get on well with, and which company you enjoy, can make the experience that much sweeter, and that much more fun. (Especially when you only have two brief weeks away from work!)

Okay, so let's get down to planning. So you have decided you want to go on this trip. So how much money do you have to spend? This is a biggie. I was watching a program on MTV the other day about heiresses. There was one lady on there who had a fortune of some $ 300 million dollars. And so to all intents and purposes, her budget was limitless. The trips that she had planned included an island in the Caribbean. Only, not just any island. An island that cost $ 10,000 a day! So you can bet that her idea of ​​getting cheap air flights to her destination, would not be the same as yours;)

So, assuming that you are not a $ 300 million heiress, and that money is a consideration. What cheap flight options do you have? One of the first aspects to look at with cheap flights is to see whenever any discounts are available through your work. This is an often overlooked aspect of getting cheap flights, but is in fact quite useful to consider at times. Especially if you work inside a large organization say for example like American Express or a big car company where they have big buying power for their executives. These organizations will often have travel discount deals already in place with major airlines. So if you inquire with your human resources Department. You may find you can save money, right off the bat!

Another group of people who can often get cheap flight deals are students. There are many student discount travel arrangements, and these apply to all forms of transport, including rail and buses as well as flights. (For example inter-rail passes around Europe). One easy thing to do if you are a student (or under 25) is to check directly with the airlines, whether they have any arrangements specifically for students or young people, and if they do, then to make sure you take them up on them ! There's no point in leaving money on the table, especially when you're a student! And it could be better spent elsewhere;)

Also, the day of the week that you travel is also a key consideration. You'll find if you travel midweek that the flights will cost considerably less than if you travel at the weekend. This is simply a case of supply and demand. People tend to work during the week and take the weekends off, so that tend to be when people fly. So if you can in fact fly during the week, instead of the weekends, then you will save yourself some valuable cash. In the same way, a great way of getting cheap flights is simply to book them at the last minute. Be aware that this does not always work. And can in fact backfire, especially if you do it during peak season, when most flights will be fully booked. (And so can in fact get MORE EXPENSIVE!) But at low season, airlines are typically looking to fill the seats on their flights, and so, what this means is that they will often let them go for much, much lower prices than they would if you bought them several months in advance. For Example, if you are flying to places like Ibiza off-season, (from the UK), then your flight may well cost you one third third (or less) than if you fly during high season.

Is A ‘Robo Advisor’ In Your Financial Future?

Question: Would you trust a robot as your financial advisor? The question is not farfetched. Today, there are a large number of financial management companies that use robots a.k.a. Robo Advisors to advise and manage the accounts of investors.

The largest of these companies by assets are in the United States, Great Britain, and Canada and include:

  • The Vanguard Group
  • Charles Schwab Corporation
  • Betterment
  • Wealthfront
  • Personal Capital
  • Nutmeg
  • Wealthsimple
  • E-Trade
  • Ally Financial

Again, this list represents the largest financial management firms. There are a whole lot of companies today that feature these advisors.

What Is A Robo Advisor?

To understand the concept of robots providing investment advice you need to know exactly what Robo Advisors are.

First introduced in 2008 during the financial crisis, these advisors are financial counselors that offer financial advice or investment management online with some or very little human intervention. Their advice is based on mathematical rules or algorithms that are operated by software that manage and improve a client’s assets. The Robo Consultant commonly assigns a client’s assets on the basis of risk preferences and desired target return. These robots can apportion assets into a number of investments including stocks, bonds, futures, commodities, and real estate. However, in most cases, the resources are guided into Exchange-Traded Fund (ETF) portfolios. An ETF is a marketable security that tracks an index, commodity, bonds, or a basket of assets like an index fund and they trade like a common stock on a stock exchange. Clients can choose to be passively or actively involved in the process.

How Robo Advisors Work

When a human client first encounters a Robot Advisor he is asked to provide information on his current financial condition and his future goals. The Robo Advisor takes this data and computes where the client should invest his money. The suggestions are based on a given level of market risk with the goal of achieving maximum return for a given risk.

These machines, like IBM’s Watson, can analyze a human client’s personality to determine how it influences his risk-taking behavior in financial decisions. The machine uses personality insights to determine a person’s temperament from available content the client has provided. The deduced personality is then used to determine the client’s risk tendency and helps the machine select recommendations.

Who Uses Robo Advisors?

Investors who use Robot Consultants include:

  • Registered Investment Advisors and Financial Advisors
  • Millennials
  • Retirees
  • Individuals with high net worth

Registered investment and financial advisors benefit from Robo Advisors because they streamline investment management and financial advice making the process of serving the client more efficient. The human advisor can concentrate on the tasks that a robot cannot perform.

Millennials love using Robot counselors because they have been raised on technology and it is a major element of their lifestyle. Millennials also like this type of investing because it is less expensive than relying on a human advisor and often enough they don’t have the money to capture the attention of a human advisor.

Retirees will be a growing segment of this group because more and more investors near retirement age are relying on these machines and so when they retire they will continue using them.

Individuals with high net worth rely on Robo Advisors for a portion of their wealth while they continue to use human advisors.

In the long run, though, all investors will be using Robo Advisors. It is predicted that Robo Advisors will manage as much as 10 percent of the entire worldwide assets under management (AUM) by 2020. That equates to $8 trillion.

Indeed, as you can see we are witnessing a brand new world in which machines that can learn will touch just about every element of our lives.