Should You Buy International Travel Medical Insurance?

Your health insurance policy will probably cover medical expenses when you are on an international vacation. However, you may still want to buy an overseas travel insurance contract because it may offer benefits that your regular medical insurance policy won’t.

Most medical insurance contracts will cover you for emergencies anywhere you might travel. Your cost share will probably be the same as it would be if you were in network even if you are not if you seek treatment during a health care emergency. The insurance company doesn’t expect you to drive to the nearest network hospital when you have just broken a leg or had a heart attack.

Medicare and some other domestic insurance policies will provide no coverage of any kind while outside the country. You should read your contract to make sure that coverage is provided in any country you might travel to.

Routine care is rarely covered well when you travel internationally. Your plan may not provide any coverage for routine care when we do not use network medical providers. This makes sense because you can usually control or schedule when you need routine care.

Most of us are able to schedule our vacations so that we won’t need any routine health care while we are away from home. This is fortunate because when we seek to use a non-network provider for routine care, most insurance plans won’t cover it or won’t cover it well.

Some health insurance policies will cover routine care when you use non-network providers with a higher cost share. It may not be covered at all. You will probably pay more for the care if it is covered.

If you have adequate health care insurance and are comfortable with the way it will pay if you have a health emergency while out-of-network, you may not need to buy a separate travel insurance policy to have your medical bills covered. There may be other reasons that you might want an international travel insurance plan however.

The travel insurer may have more experience dealing with claims from outside the US. They are likely to be more able to handle correspondence in other languages, for example.

International travel insurance plans will often have emergency evacuation coverage. This means that if you cannot get the care you need where you are, your policy may pay to fly you home so that you can get that care.

Travel insurance contracts are usually very inexpensive. This makes the idea of dripping your stateside insurance while you are overseas is a tempting idea.

However these plans should only be used as a temporary insurance that supplements your regular coverage. Trying to save money by dropping your stateside health care insurance while you travel outside the country could backfire on you.

When you come back home, your travel insurance plan will no longer cover you or will only cover you for a brief period after you get home. This means that In order to have health insurance after you get home, you will need to apply again. There is no guarantee that your old insurer or any other company will accept you as an insured.

It is better to have a mediocre stateside health insurance policy than it is to have a great international health insurance contract and potentially have no coverage when you get back home. Consequently, it is usually wise to keep your regular medical insurance while you travel outside the country whether you buy an international travel plan or not. If you cancel your contract when you travel internationally, the insurance carrier may not have to to provide insurance for you when you end your trip.

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Adventure Travel in Portugal

With its varied and dramatic landscapes, Portugal is perfect for those who are seeking adventure in the great outdoors. There are many exciting spots to choose from, but here are some of the best regions of the country which are the perfect natural playground for any would-be adventurer or adrenaline seeker:

Serra da Estrella:

Its mountain and National Park of the Serra da Estrella is a haven for skiers and boarders in winter and hikers in summer. This is Portugal’s only ski resort and is a little resort, perfect for beginners. In summer, Serra da Estrella is the perfect place for mountaineers and walkers, who enjoy scaling the craggy peak and exploring the 357km of trails throughout the Serra da Estrella Nature Park. Rock climbing is also a popular pastime here. The ski areas become a downhill mountain biking resort in the summer months. Within the nature park you can also enjoy kayaking on spectacular rivers and lakes, go river rafting on a raft you can build yourself, or enjoy a spot of wild swimming.


This vast region of Portugal contains not one but three nature parks. Its unspoiled farmland, vineyards and villages are little visited by tourists. Little do the masses know they are missing out on a delightful adventure off the beaten track. Why not hike or bike across this area, on the coast and inland. You can make your own way or join a tour. For a different perspective and a bit of an overview, why not take a hot air balloon ride? Another way to get around is on horseback, on a riding holiday. Alternatively, you could take to the water of the rivers or coast for a rafting or kayaking adventure. On the coast, discover why this region is so beloved of surfers.

Arrabida Nature Park, Near Lisbon:

This coastal nature park is situated just an hour south of Lisbon on a rugged stretch of coastline where the Sado river meets the wild Atlantic. There are breathtaking cliffs of over 300m, caves and a landscape dominated by unspoiled limestone hills rising high above the coast which are covered with a patchwork of farm fields, vineyards and ancient scrub land. Here you can hike through this unspoiled landscape, or try something a little more adventurous like mountain biking, for which this hilly region is perfectly suited. Many adventurers will enjoy rock climbing and abseiling on the dramatic cliffs. You can also take a kayak tour to explore the remote beaches of the coast, and explore caves filled with bats. Go paragliding on the coast or up in the hills, or explore the under-sea world just off the coast with a diving expedition.


This region is package holiday personified. The beautiful beaches are mostly somewhat marred by the over-development and the crowds in summer. You will find many people in this region who come only for the sun, sand and surf and have no interest in actually doing or seeing anything whilst on holiday. On the other hand, you will also find people who are drawn here to try out a range of activities and active adventures in this balmy and sun-blessed area. Here you can participate in just about every type of outdoor sport and adrenaline activity imaginable.

So, what are you waiting for? Go to Portugal and let the adventure begin.

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Grow a Business That Involves Woodworking

Growing a profitable business from home is possible even in these uncertain economic times. If your passion is woodworking or even if you have little or no experience in this area, it is possible to be successful in starting a business that centers on woodworking.Areas of such a business could also include designing and building sheds or boats. All you need are proven business plans. You will also need plans that will give you step-by step instructions with regards to building various woodworking projects.

There are a number of business plans available on the internet that help get your woodworking business started and become profitable in a timely and cost-effective manner. These plans should explain the necessary tools and materials you will need to complete your various woodworking projects.

Sourcing the materials you will need to complete your wood working projects is very important when it comes to the bottom line. You will also need to exactly what to purchase so that there is no waste. You do not want any left-over materials that will not be used in future projects.

You will need to know what types of woodworking projects to build such as furniture that will most profitable. Maximizing your profits by producing a good quality product that is easy to sell will help your woodworking succeed in the short and long-term.

Many of profitable woodworking projects can be built with basic woodworking tools. You do not always need expensive power tools or a large garage.These easy to build crafts can be built-in assembly line fashion. This will reduce your overhead and help your woodworking business become profitable in a timely and cost-effective manner. A proven woodworking plan will help you achieve this.

The woodworking crafts you decide to build could be easily constructed in the shed in your backyard. This would free up you garage for other uses such storage or keeping the materials needed for your woodworking projects.

If you don’t have a shed on your property it is possible to build one with little or no woodworking experience. There are many resources on the internet that will provide you with step-by-step instructions on how to complete such a project. The cost for the plans are sometimes free or can be acquired at minimal cost. After completing your shed you might to make the design and construction such structures as part of your woodworking business.

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Stress Is Normal!

Living in the 21st century, we have adopted certain terminologies as a part of our vocabulary. And, we do not even spare a moment to think about them. One such common phrase is “stress is normal!”

Is stress normal?

Is it Okay for stress to be normal?

According to MedinePlus Medical Encyclopedia, “stress is your body’s reaction to a challenge or demand. It is a feeling emotional or physical tension that arises from any thought or event that makes you frustrated, angry, or nervous.”

Now, if we try to relate this definition with the concept of “stress is normal,” it makes one believe that,

It is normal to get into a state of emotional or physical tension each time we are angry, frustrated, or nervous!

First of all, staying in such a condition is detrimental to our health in several ways. Diseases such as high blood pressure, diabetes, heart conditions, mental illnesses, and many more are the consequences of staying in a state of stress.

Then is it okay to accept stress as a part of our lives?

Now, if we look at what causes stress according to the above definition, we find that it arises from “a thought or event that makes us frustrated, angry, or nervous!”

Why do we get frustrated/angry/nervous?

The simplest reason for this is when things don’t go our way, or people do not behave in the manner we want them to. In other words, we feel frustrated when we cannot control our circumstances or others around us. The unfortunate truth is, most things that happen in life are beyond our control, and people behave the way they want to, not the way we want them to!

If this is the hard reality, should we then respond to these aspects by getting stressed and impacting our physical and mental wellbeing?

A closer look at the definition of stress points out to a simple word, “Thought!” It says that other than a specific event it is the thought that triggers stress.

Well! That’s a saving grace because while we cannot control the events that occur in our lives what we CAN control is our thoughts. It is only our thoughts that can help us respond to stressful events in life in a manner that we do not get stressed.

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Stay Home and Earn Unlimited Income

With the internet opening up opportunity for people to work from home is something that more and more people are trying to do.

The problem is that most people don’t know where to start or what action to take to start generating an income (earning from home.)

Do you have a problem trying to make money from home? If so,

I have written this article because believe I can help you get started generating income from the comfort of your home and this article is going to show you two ways that you can do that;

These are;

1. Affiliate Marketing

2. Taking Surveys

1. Affiliate marketing

Affiliate marketing is quite interesting as It is very simple to become an affiliate marketer.

All you do is just help people (or companies) promote (or advertise) their product to people who need them and when those products get purchased, you are paid a commission (or a percentage) of the profit they made out of the sales.

Remember you don’t need to come up with the product to sell as this already exist.

Simply put, you are like the middle-man between the buyer and the seller.

The secret of becoming a great affiliate marketer is for you to promote the product you know (or like).


People want to buy weight lose products and there are companies that sell these products. All you need to do is help the company sell their weight lose products to people willing to buy them and you get paid.

2. Paid Surveys

This is when you are giving an incentive for giving your honest opinion about a product (or company).

Incentive can be in cash or vouches but it is mostly cash.

I can tell you that if you are available for at least 1 hour per day, you can make more than $100 for every hour you spent giving your opinion about a product (or company.)

There are lots of companies that wants to know how their customers feel about their products and services. This helps them to improve on their products and services deliveries to the populist.

We all use these products and services so, to form your opinion is not a problem in this situation. As an additional advantage, you get to let the companies that manufacture the products you use know how you feel about their product and that you turn helps them service you better.

What a great way to earn an income from the same company that you pay for their goods and services.

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Opting Out of the Rat Race Can Be a Valid Life Choice

“The trouble with the rat race is that even if you win, you’re still a rat” said Lily Tomlin, American actress and comedian. That’s an acute and deep analysis of the frenetic chase oriented lifestyle that most people seem doomed to live over and over, all their lives! A blind race after the so-called finer things in life; for money and power and social position and accepted definitions of success; a running in place simply to keep up with the next person; all these factors have combined to make the modern Human a driven creature running, running, till the day they die.

But is this the only possible way to live and be? Isn’t there any other way to have a full, and fulfilling, life? Are the stress and daily angst of the rat race; the associated physical, emotional, and mental health problems; the inescapable evils of a modern life? Not necessarily, as a lot of people around the world are discovering. Opting out of the rat race is becoming a distinct possibility in the age of information, technology and outsourcing and the possibilities have only improved manifold over the last year, as the world, and corporate, have realized the alternatives to the 9-5.

There are numerous stories of people seizing control of their own lives and changing direction in mid-stream. From sales professionals giving up lucrative jobs with MNCs in order to teach MBA, to engineers turning restaurateurs; young people are choosing to walk away from the high stress, high speed, and insane run up the ladder, to do something they enjoy. It’s huge! It’s a risk! But most of them agree, it’s worth every minute of it! They may make less money, at least for a while, but what they gain instead more than makes up for the financial loss.

First of all, there’s a huge fall in stress and angst levels. That brings with it massive health and lifestyle benefits. Occurrence of diabetes and hypertension are sky high in most professions these days. Younger and younger people are being afflicted, and most of them have no family history of either disease. Experts agree that this is caused by the high levels of stress these people function under, everyday. Heart attacks are happening younger and younger, and fertility and libido are way down in most urban centers. Get rid of the stress, and voila! Problems are reduced significantly, sometimes even totally disappear!

Less time spent running after money or the next gadget or the newest television means more time on your hands for doing things you love and spending quality time with family and friends. Creative pursuits, hobbies, and social interaction, all reduce stress further, not to mention make life a joy, and give an immense amount of meaning and fulfillment. And the really fun thing is that you don’t even have to give up on the money! Consultants make good money these days, as can freelancers and business owners. Maybe it wouldn’t be as much as your executive salary package, at least for a while, until you build things up to that level, but the advantages are many too. And with modern technology, as we have already seen this past year, it is highly possible.

So take a serious look at your life, and consider opting out of the rat race. Even thinking about it helps. Feeling like you have an out, anytime you want it, makes the here and now less like a jail sentence and more like a choice.

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How Can I Become An Innovative Person?

We see the word innovation often, and it’s amazing sometimes what qualifies for innovation as this buzz-word is being bantered about. Those of us who are creative and innovative know our prospects for success are greater than those without such talents and attributes. Perhaps this is why so many people seek to learn how to innovate themselves. It sure looks good on a resume, and most job descriptions do have a phrase or two in them such as; looking for an innovative self-starter. Let’s talk about innovation a little bit and see if you can figure out how to reposition yourself better as someone known to be innovative.

Innovation is Just Combining Observations and Solutions from Other Domains

Many who’ve thought about it long enough realize that most good innovations in any particular sector come from borrowing ideas or portions of ideas from other sectors or domains. Most innovators I know admit that most of their new original thought concepts come to them in this way. If this is the case, then we don’t need to teach innovation at all, rather we just need more polymaths and people with vast arrays of experience in many fields.

Unfortunately, that would mean all the ‘Innovation Gurus’ would be out of work and teaching very few seminars because until their enrolled students had more experiences in more areas of life and work, the seminar attendees wouldn’t be ready to use the methodology taught or have enough knowledge to be a future contender in the top ranks of innovators.

Of course the scary part of this theory of re-combination to create innovation means that it’s pretty easy to teach and if so, anyone can do it, so maybe that’s why everyone is trying to specialize in this “innovation coach” generalist category today. Once someone has experience and knowledge and understands how to use information in one area in another, they can become innovators, at least proficient at the most common type of innovation that is.

If you’ve played sports, you might take some of the strategies and tactics used to win and use something similar in a business situation to better a product or sell a service. Perhaps you had a short stint in a summer job, and realize that some of your observations there could be used at the organization you work or volunteer at now. Maybe you use a utensil in the kitchen that might also be good for doing a task at work, with only a little modification. There’s your chance to innovate. Take it. Think about it, both early and often.

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