Tuesday, June 23, 2009

Travel tips on terrorist protection and security measures

Tips on traveling safe and secure in a world of terrorist threats.

The papers are full of articles on terrorist abductions. This is one of the best articles I have read on how to remain safe when you travel. I suggest everyone read it and follow the advice.

Johnny Ray

Terrorist Protection and Travel Security Measures

Author: Mark Yates

*Taken from the syllabus of The Law Enforcement & Bodyguard Association International LEBAI, special thanks to former Police Commissioner Norman E. Jennings

The aim of this lesson is to give you an introduction into Travel Security and the need to understand the importance of Travel Security and the role of security while in transit

The reason you need this information is for you to have an understanding as to correct security procedure while travelling in transit

All security personnel must understand and practice the basic rules of individual protection, as you may become the potential victim of a criminal or terrorist organisation or group.

To the extent possible, security operating in personnel in ‘threat areas’ must avoid routine in the routes and times of movements to and from the work site, your place of residence, and around town (i.e. shopping) even to the point of not eating at the same restaurants on a regular basis. Do not become a creature of habit. Past incidents indicate that terrorists kept their victim under surveillance for a substantial period of time to discover patterns and to determine a suitable time(s) and place(s) for the attack. You are vulnerable when on the move and probably most vulnerable walking to and from the car. Terrorists will most likely choose a time you are inside your automobile. You are fixed - and he may attack in a variety of ways.

Make sure the unvaried portions of the route (choke points) are as short as possible. Memorise normal activity. This includes memorising cars that normally park in the area. You can be approximately 80% certain that any attack will occur in a choke point and probably near your home during a routine trip. It is important to remember that you are a better target if you are predictable - the best defence is common sense.

Dr. Mark D. Yates at www.asecurityonestopshop.com teaches the following security measures on his security training programmes.

1. If possible, use different doors and gates when departing and entering your home or office.

2 . When going out, avoid going alone. Try to travel with a group of people. If your SSM or Senior Guard has a two-man rule in place, obey it - there is safety in numbers.

3. Conduct a route survey and look at the choke points from the terrorist’s point of view.

4 . Be aware of your location at all times, even if you are a passenger in a car.

5 . Know the location of police, hospital, military, government and public facilities or other secured areas along your routine routes. These areas can provide a safe haven in case of trouble. Know as much as possible about the stores and merchants along your normal route of travel. Are there pro or anti U.S. sentiments displayed by flags, colours, or slogans painted on the buildings.

6 . In so-far as possible, travel only on busy, well travelled thoroughfares; stay away from isolated back-country roads. You will be advised during your in-country brief by the OIC of dangerous areas, pay heed and avoid them.

7. Be constantly alert to road conditions and surroundings, to include possible surveillance by car, motorcycle, or bicycle. All passengers should be vigilant. If you feel you are being followed or are in danger, drive to the nearest military installation, Police Station or Embassy. Keep the vehicle in the centre of the road to have room to manoeuvre in case of an attack. On multiple lane roads, never drive in the centre lane.

8 . Try to get around road obstructions, utilise a shoulder or ditch. Attempt to crash through a vehicle blockade, if necessary, striking the blocking vehicle a glancing blow, no more than one quarter of the way down its length, preferably at the rear wheels. Keep your vehicle moving at all costs, regardless of its condition: for example, flat tire, disabled cooling system, etc.

9. Be alert for, and give wide berth to, cars or trucks parked along the road, particularly if there are several people around them.

10. Maintain adequate distances between your car and vehicles preceding you. Avoid being blocked in.

11. Never exit the vehicle without checking the area for suspicious individuals. If you are in doubt, drive away.

12. At night, always try to park in a well lit area, of f the street, if possible.

13. Lock the duty vehicle when it is unattended.

14. Parcels and other things should not be left in the car so that strange objects can be spotted quickly.

15. Before entering the duty vehicle, ascertain that there are no suspicious objects or unexplained wires or strings outside, underneath or inside.

16. If you find suspicious wires or packages in the vehicle, do not touch them, report them immediately to the proper authority as outlined in your post guard orders. DO NOT TOUCH THE OBJECT, immediately call for assistance.

17. Keep vehicle in a high state of maintenance at all times. It can be a good weapon if used properly. Vehicles should have: outside rear view mirrors, a locking gas cap, inside hood lock, fire extinguisher, first aid kit, semi metallic disc brake pads, heavy duty shocks, premium radial tires with the maximum tire pressure as printed on the tire side wall, and a vehicle alarm system. Always keep the trunk locked. The gasoline tank should be at least half full at all times. Tinted windows make it difficult for someone to tell who is in the car and where they are sitting.

18. If your vehicle has to be left for any length of time, it should be searched before being used again. Whenever possible have the driver stay with the vehicle to observe it.

19. A full search procedure by the driver should include:

• Looking Carefully Around The Outside Of The Vehicle.

• Looking Through All The Windows.

• Checking Around And Behind Each Wheel.

• Taking Off The Hubcaps.

• Looking Underneath The Car (Particularly The Exhaust And Behind The Gas Tank) -.
• Using An Angled Mirror On A Stick If Available

• Opening The Driver’s Door.

• Checking All Doors Before Opening Them, Seats And Floor

• Opening And Inspecting The Car Trunk.

• Examining The Spare Wheel.

• Checking All Tools.

• Opening Hood Carefully And Examining The Engine Compartment.

During the residential training lessons provided by Dr. Mark D. Yates he suggests your suspicions should be aroused by:

• Unusual Objects.

• Objects Out Of Place.

• Outward Signs Of Tampering.

• Loose Wiring, String, Or Tape.

• Packages Left Under The Vehicle.

• Ground Disturbed Around The Vehicle.

20. Do not leave your vehicle on the street overnight if at all possible and never leave garage doors unlocked. Check garage doors for unknown objects or strings tied to door. DO NOT touch anything that looks strange to you.

21. Never pick up hitchhikers or stop to assist unknown persons in distress. Terrorists have frequently utilised these situations as a trap prior to assault.

22. During travel, always fasten seat belts, keep doors locked and windows closed.

23. Do not permit taxi drivers to deviate from known and desired routes. Do not always use the same taxi or bus stop. Do not take the first available cab.

24. Be sensitive to the possibility of surveillance. Before departing anywhere, check up and down the street for suspicious cars or individuals.

25. Try to note whether you are being followed. If you suspect so, promptly notify your Senior Guard so the incident can be documented.

26. Avoid civil disturbances and disputes with local citizens. If a dispute occurs, distance yourself with it as quickly as possible.

27. Do not unnecessarily divulge your home address, telephone number or any information about your fellow EPO’S.

28. Ensure that your Senior Guard provides you with a list of key phrases in the host country language: I need a policeman; take me to a doctor; where is the hospital; take me to the embassy; help.

29. Learn to use host country telephones.

30. Learn emergency telephone numbers: Embassy; Senior Guard Residence; you should always carry the exact change needed.

31. All mail should be received through the Approved channels.

32. Never accept unsolicited packages.

33. In most cases the VIP will secure some sort of host country identification document to be carried by you at all times, your blood type and allergies to particular medication should be kept with this document and should be bilingual: English and the language of the host country.

34. Identification by belief of importance, not only by the individual, but also from the terrorist’s point of view, can cause you to become a target.

35. All duty rosters should be destroyed, not thrown away when they become obsolete.

36. The best way to keep from being identified and selected as a target is not to say, do, wear, use, or display anything that will help the terrorists identify you as a Foreigner.

37. If you intend to hire domestic help, do so through the Community Liaison Office or (CLO).

38. Do not attract attention to yourself. Keep a low profile. Try to blend in as much as possible.

The measures listed above are not intended to be a complete or a definite list of individual protective measures. You should be able to think of many more. The bottom line here is DO THINK, and always exercise common sense.


It is a known fact to security specialists that terrorist groups and organised crime groups implement surveillance techniques when choosing a target/s. Dr. Mark D. Yates runs both surveillance and counter surveillance training programmes specifically aligned to countering terrorist attacks and kidnap for ransom incidents. Mark Yates advises all travellers to purchase a kidnap for ransom insurance policy from www.asecurityonestopshop.co.uk prior to leaving your Country of residence.

Your best chance of avoiding a serious terrorist incident is to spot pre-attack surveillance. The surveillance team may not be as professional as the gun team; several mistakes are now common knowledge by prior surveillance teams. The most common area for mistakes that could be noticed by the victim is at the surveillance pick up point. This is where they first begin to follow. The mistake made is correlation. Their movement or actions can be correlated to your movement or actions. The surveillance team is usually too intent on not losing sight of you to realise they are attracting your attention. For instance, as you leave the driveway, you note to the front or rear another car starting to move as you do. The car should be watched carefully. Do not let on that you are suspicious. You can test the suspect vehicle to confirm surveillance. As you depart from home or work, be aware of activity around you. Notice anything that seems suspicious or that may indicate correlation.

Watching for signs of surveillance or attack should be continuous. If, for instance, there is a vehicle behind you in traffic and you notice that is has been there for quite some time, you should make note of the number of people in the car along with their approximate ages. The vehicle may not be anything out of the ordinary. A terrorist would not likely use an eye-catching vehicle.

You must get the vehicle to make another statement. This can be as simple as speeding up just slightly, slowing down, or changing lanes. If the following vehicle does the same, then you have one more piece of information.

If the vehicle has not used several opportunities to pass, but suddenly moves out as if to pass, you should be ready. Take note of the traffic and figure which technique you would use. Watch for the placement of the other vehicle’s occupants, and if the windows are down on the side next to you. If the day is cool or it is raining, this is a very valuable tip. If the vehicle doe’s not complete the pass in the same speed as used in beginning the pass, be ready. Don’t let it stay in your blind spot. Turn and look over your left shoulder. If attacked, or you see weapons, act quickly.

The vehicle in front of you can also conduct surveillance. You can test this vehicle in the same manner as a following vehicle with some additions. Surveillance is normally conducted by the person in the right front seat. The driver cannot glance very often in the rear view mirror without, you becoming suspicious. They know this, so the person in the right front seat does the looking by using the outside right mirror. If you follow a normal vehicle you will not see a face in the out side right mirror as you do in the outside left.

If you do see someone’s face in the right mirror, it is the face of the passenger, meaning the mirror has been adjusted for that person’s use rather than for the driver. At that point you should make the other tests to confirm surveillance, such as changing lanes or speed. You can also easily note correlation by watching the turn signals of the car in front. If you make an unscheduled turn and wait later than normal to activate the turn signal, you will see possible correlations. Do not wait so late that they become suspicious of you. If you believe you are being followed, you should consider the following actions:

Do not reveal to those following that you suspect them. if you do not have radio communications, notify authorities as soon as you arrive at your destination.

If you have communications in the vehicle, notify authorities that you are under surveillance. Give your location, the direction of travel, identifying data of suspected surveillant(s) and your intentions.

Dr. Mark D. Yates advises that you never stop or take other actions to force a confrontation.

Immediately determine any identifying data that you can observe unobtrusively; for example, make, colour of car, licence number, number of occupants, description of occupants, etc.

Normally, existence of surveillance means you are not in danger of being attacked. Consider deviating your route slightly in an apparent normal manner in order to verify that you are being followed. Do not warn the surveillant(s) that you are aware of their presence. Terrorists usually conduct extensive surveillance prior to an attack in order to establish your routine and evaluate your security consciousness. As a rule, surveillance teams are neither trained for, nor have the mission to, assault the potential target.

If you feel you are in danger, immediately drive to the nearest safe area. Do not drive to your home. Be alert for slow-moving motorcycles or bicycles as these could be attempts to slow your car. Drive around them at the first opportunity.

Report all suspected surveillances immediately to the appropriate security office.

A great value for money security purchase is the Dr. Mark D. Yates home study programme on close VIP protection and/or the home study course on anti terrorist driving skills. Both of these written training programmes contain extensive security counter measure information and are available from www.asecurityonestopshop.co.uk

Remember, your goal is to avoid an incident. If you can spot the surveillance, you have an opportunity to feed false information to your attackers. You have an audience, play to them! Show them changes in routine that make an attack very difficult to plan. They will probably go to some other victim since they normally watch several potential victims at the same time; finally picking the one where success is guaranteed.

About the Author:
Business Background of Mark D. Yates: A former Managing Director & CEO of a USA corporation and former MD of two UK Companies. Dr. Mark Yates provides his expertise to a cross section of corporate entities including, Information technology, media, mining, banking and other financial & business institutions, security, law enforcement, construction, sales, marketing, manufacture, banking, film & TV, trade unions, graphic & web design & high income generation E-commerce development & sales. Mark is a very experienced corporate trouble shooter and visionary leader. He effectively handles special assignments and specialises in providing practical solutions to complex business problems. A compulsive achiever who demonstrates the ability to consistently exceed desired results. He is particularly adept in structuring International joint venture businesses and is particularly skilled at identifying new domestic & overseas markets for clients. Now Security specialists who consults for the UK’s largest e-tailer of security products and services

Article Source: ArticlesBase.com - Terrorist Protection and Travel Security Measures


Wednesday, June 17, 2009

The top 25 travel tips for protecting your home while traveling

A great trip depends on keeping home safe while you are gone.

I know we all wish we could stay on vacation forever. However, we all have to come home sometime. And when we do, it would be nice to have it just like we left it--right. These travel tips can make that happen.

Johnny Ray

25 Tips to Safeguard your Home and Property while You Travel

Author: Kathy Steinemann

(c) Copyright Kathy Steinemann

Protecting your home while you travel involves much more than discontinuing newspapers and arranging to have the lawn mowed. Here are 25 tips that will make your home more secure while you enjoy your holiday.

1. Keep a lid on it.

You may be bubbling over with enthusiasm about your upcoming holiday. However, avoid discussing details in public. The guy standing behind you in the bank or grocery store might be a professional thief itching to break in the moment you leave.

2. Avoid advertising your intentions.

Professional thieves often watch "housesitter wanted" ads for potential break-in targets. Do not advertise on the Internet or in a local newspaper for a housesitter. Instead, contact a professional housesitting service.

3. Tell the right people.

Be sure to tell your alarm company and the local police authorities about your plans. Provide them with details for a local emergency contact and let them know how they can reach you while you are gone.

4. Put your tax dollars to work.

Ask the local police detachment to patrol your area more frequently while you are on holiday.

5. Provide your housesitter with important details.

Be sure that your housesitter knows where to locate all water and gas shutoff valves as well as fuse boxes and main electrical circuit boxes.

6. Put your digital or cell phone camera to good use.

Take photos of everyone who has permission to enter your home while you are away: yard maintenance people, petsitters, contractors, etc. Develop the photos and give prints to your housesitter, or e-mail digital copies to him/her. Alternatively, provide authorized people with a signed permission letter granting them access.

7. Keep the yard well-lit.

Burglars avoid bright lights. Installing motion-sensitive yard lighting is an excellent investment that will help to discourage night intruders.

8. Secure windows and doors.

Good deadbolt locks will discourage all but the most dedicated intruders. The majority of trespassers will abandon break-in attempts if they take more than 60 seconds to gain access.

9. Provide 24-7 security and fire monitoring.

There are many excellent monitored alarm systems on the market. In addition to providing security, they may entitle you to lower house insurance rates. Discuss systems with your insurance company before making any purchases. Your agent might be able to make recommendations or provide discount coupons. The best systems will monitor for intruders as well as carbon monoxide fumes and smoke.

10. Check exterior lights.

A week or so before you leave, replace burnt out bulbs and/or repair yard lights if necessary.

11. Keep the yard well groomed.

Arrange for regular yard maintenance such as lawn and hedge trimming, raking of leaves, snow removal, etc.

12. Put it out and pick it up.

Ensure that someone takes the trash to the curb on garbage day and picks up your mail soon after delivery.

13. Use a few children's toys imaginatively.

Scatter some children's toys in the yard where they will be visible from the street. This gives your property a lived-in look.

14. Plan some vehicle deception.

If you are not taking your vehicle with you, do not leave it in the garage. Instead, park it in the driveway and arrange for someone to move it once in awhile. Alternatively, ask a neighbor to use your driveway for parking.

15. Secure the garage.

Garage door remote controls are produced on assembly lines. They often have the same combinations or operate on the same frequency. Prevent accidental or intentional activation of your garage door by unplugging the opener before you leave.

16. Utilize your safety deposit box.

Move items like loose cash, expensive jewelry, and other small valuables out of your home and into your safety deposit box.

17. Protect appliances and conserve electricity.

Unplug all non-essential appliances as well as electronic and computer equipment. This protects surge sensitive devices and saves a bit on your electricity bill.

18. Avoid tattletale telephones.

Switch off all telephone ringers. A constantly ringing unanswered phone is an advertisement to passersby that nobody is home.

19. Be extra careful with voice mail or answering machines.

Never record a message that mentions your holiday or admits that you are not home. Instead, say something nonspecific such as, "Sorry, Bill and Sue can't come to the phone right now. Please leave a message when you hear the beep. We'll get back to you as soon as possible."

20. Protect your extra house key.

Do you hide an extra key in a hanging plant, inside a dryer vent, or above the doorjamb? Guess what - if you can find it, so can a thief. Give your extra key to the housesitter.

21. Avoid water damage.

Hoses to appliances such as washing machines and dishwashers can spring leaks. Prevent water damage by turning off each appliance's water supply valve.

22. Provide light and sound.

Set timers on two or three lamps and a couple of radios so that they turn on and off throughout the day. The sound and light will create an illusion of occupancy.

23. Secure all entry points and holes.

Lock all the doors and windows of your home and outbuildings, and secure pet doors as well. Have you ever seen a raccoon or cat squeeze through what looks like an impossibly small space? Some burglars are almost as agile.

24. Use your air conditioner wisely.

If the temperature outside is 99F in the shade and your air conditioner is not working, a smart thief will deduce that nobody is home. Set it on a moderate setting so that it activates on extremely hot days.

25. Clear your voice mail or answering machine.

While you are gone, check and clear your voice mail or answering machine to avoid beeps, "voice mail full" messages, or immediate routing to the messaging system that might indicate you are not home. If you cannot or do not wish to do so, arrange for someone else to do it for you.

(c) Copyright Kathy Steinemann: This article is free to publish only if this copyright notice, the byline, and the author's note below (with active links) are included.

About the Author:

Be sure to visit 111 Travel Directory for more travel articles and tips. Another good travel tips website is 1000Tips4Trips.com - with over 1000 tips submitted by fellow travelers. If you are looking for a romantic getaway, try AdultEscapes.com.

Article Source: ArticlesBase.com - 25 Tips to Safeguard your Home and Property while You Travel

Friday, June 12, 2009

Travel tips on saving money on crusing

Making the most of a cruise is important. Learning how to save money can mean doing more for less. Or simply having money to do all of the things you really wanted to do in the first place. With smart planning that can happen.

Johnny Ray
Complete list of blogs and novels

Learn how to Save Money when on a Cruise Holiday

Author: Carla Prosser

For many of us we wait all year, and save all year, to go on holiday and when we do go on holiday we like to make it worth while, which is why so many of us now opt to go on cruises. However with aspects such as the current economic climate there has never been such a need to find means of saving money whilst on holiday and cruises are no exception. So just how do you go about saving money whilst you are on a cruise?

Believe it or not if you are thinking of booking a cruise you can save money from the moment you book through to when you are actually on your cruise, so let’s start with when you are booking your cruise. Either book really early or very late as either way you could typically find yourself saving between 10 and 40 percent. When you are booking you may wish to think about enlisting the help of a travel agent as they will be able to gather information from you that they can use as a means of gaining you the best deal from a cruise line. What will help you on top of this is the fact that these cruise lines are always offering you discounts for particular things such as discounts for people on their honeymoon, family reunions, senior citizens and frequent cruisers as well as groups and military personnel.

Before you do decide to go on a cruise with one of these travel agents it is important that you look at the other options open to you, to do this successfully you should get yourself on the Internet. This is a great place for you to shop around and gather tips etc. By doing this you will ensure that you are getting the best deal possible, also you are more likely to discover deals that are operating at the moment, so keep your options open.

When you are booking your cruise you should look into the different cruise lines to see who offers you the best options and deals. As well as this you need to take on board aspects such as your cabin. The cheapest cabins available will be those inside the ship, i.e. the ones with no balcony or windows. This isn’t exactly something that you should concern yourself with too much for the fact you will unlikely be spending most of your time in your cabin anyway. You probably won’t be in your room unless you are sleeping so does it really matter too much what type of cabin you stay in?

One of the biggest ways to save money when it comes to a cruise however is through the destination you choose and the time of year you choose to go. With cruises a lot of people automatically think that they can only go to places such as the Caribbean or Alaska etc, this however isn’t the case. Most, if not all cruise lines now operate trips such as European River Cruises and Transatlantic Cruises. These are cheaper alternatives that offer you the same stunning views and scenery as well as ensure that you can still partake in activities you would on larger cruises. If however you have your heart set on a destination such as Alaska all is not lost. Opting for the early or late season months such as May, early June or September will offer you some huge savings, in fact you could be saving as much as half the money you would pay to visit places such as Alaska in July or August.

Another major saving comes within sightseeing/excursions. With shore excursions chances are you could have eight to eleven hours to explore. However depending on how close the port is to the city you could end up spending hours travelling and this could have cost you a lot of money when you booked the tour. This is why in many cases you shouldn’t book your shore excursions as part of your cruise; you should make the arrangements yourself. By doing this you can use a variety of modes of transport, getting you to the city quicker, instead of using whatever the cruise line/travel agent laid on, also you will find that you enjoy the experience a lot more.

By organising your shore excursion yourself you can go wherever you choose and decide how you want to spend your time. You will be saving yourself money doing this but you will also be providing yourself with a much more authentic experience as well.

If you are hoping to book a cruise in the near future then my advice to you is to keep aspects such as the above in mind. The more ways in which you can save money the better and by doing it in ways such as the above you won’t be taking away any of the fun or enjoyment out of your holiday but you will have peace of mind knowing you haven’t overspent.

About the Author:

Carla Prosser is an experienced cruiser and regularly writes articles for www.idealcruising.co.uk

Article Source: ArticlesBase.com - Learn how to Save Money when on a Cruise Holiday


Tuesday, June 9, 2009

Las Vegas planning tips - the gambling mega center

Las Vegas, the gambling super city?

This city has so much more to consider doing than just gambling. The city is in many ways very family friendly. It is a great place to come enjoy the lights and the lifestyles of this hidden paradise as described below.

Johnny Ray

Travel to Las Vegas Tips

Author: Teeny

Las Vegas is a very famous city internationally for it is a resort city for gambling, shows, shopping, dinning and entertainment. Many people and families travel to it every year for their holidays and vacations. You can travel to it by driving or taking a flight to its McCarran International Airport and other local smaller airports. There are convenient rental offices for renting a car to drive around in the city.

There are many resorts and hotels like Venetian, Bellagio, Caesars Palace, Excalibur, Las Vegas Hilton, Mandalay Bay, MGM Grand, Mirage, Riviera, Tropicana and other famous hotels for you to stay and dine. They also have places for the visitors to gamble, swim, and enjoy the shows. For most adults, they will play the slot machines and other gambling. You can shop around online or ask the travel agents for Las Vegas vacation packages and discount show tickets before going to the city. There are more tips for traveling at http://www.fidetips.com/travel for you to read.

There are free entertainments such as going to the Fremont Street and Las Vegas downtown for free live entertainment. Many family, all-you-can-eat buffet, and fancy restaurants are always ready to serve the visitor dining needs. You should also drive around or taking a taxi at the Las Vegas Strip to look at the beautiful night lights and neon signs. Many hotels have great restaurants inside and provide the complimentary continental or full breakfast in the mornings.

You can also visit the Hoover Dam, Nevada Zoological-Botanical Park or Las Vegas Zoo, and Las Vegas City Hall. If you have kids, there are many places like Floyd Lamb State Park, Frog Hopper, Game Works, The Aquarium at the Silverton, Las Vegas Cyber Speedway, Motion Rides at Circus Circus Adventure Dome, Las Vegas Natural History Museum, Lied Discovery Children Museum, Nevada State Museum, Planetarium and Observatory, Secret Garden and Dolphin Habitat, Springs Preserve, Mount Charleston, and Lake Mead will be fun for the whole family. There are many souvenir and gift shops all over Las Vegas for you to buy the souvenirs.

If you plan ahead like transportation, accommodation, and scheduling before taking the trip to Las Vegas, your experience will be a smoother and more enjoyable one. There are certain periods of the year that you can travel with great deals, like off-season travels tha will save the expenses on transportation like airfares, and accommodation like the resort and hotel rates.

About the Author:

Teeny is a writer for finance, computer, travel, cars, shopping and other subjects for many years, please visit http://www.fidetips.com/travel for more information.

Article Source: ArticlesBase.com - Travel to Las Vegas Tips

Thursday, June 4, 2009

International Travel tips on insurance for those over 65

Traveling to a foreign country presents interesting insurance considerations

When most people accumulate enough money to travel a new set up problems always comes up. What are you to do about insurance coverage when you travel abroad? I think the following article outlines some of the questions that need to be answered.

Johnny Ray

Overseas Travel Insurance for the 65 Year Old Traveler

Author: Jeff Gulleson


Many residents of the United States who are over 65 have chosen Medicare A & B and probably C, and many also have a Medicare Supplement plan. But you may not know that none of these plans give the kind of insurance you need when traveling outside the USA. The truth is that no Medicare plan will provide medical coverage or medical evacuation coverage outside the United States.

As we age it gets harder to get international travel and health insurance. But there is good news. There are several insurance plans that have no age limitations whatsoever. But which supplemental medical insurance plan is best for you and your loved ones?

Before you speak with your insurance broker, find out what your current health insurance covers. From there you can determine what travel insurance you will need.

Is there an age limit on the plan? Some plans have no age limit while others require that you cannot be over 74 or 84 years of age.

Is there a reduction in benefits due to age? Some plans carry limited coverage for those 80 years of age or older. Check to see how much coverage they allow for.

How long does coverage last? One insurance plan covers only a month of travel while another insures you for six months.

Does it cover pre-existing health conditions? There is one plan that will cover all pre-existing medical conditions but it requires travelers to have US underwritten health plan or Medicare A, B and C.

What types of coverage do you want? For example, do you want a plan that will insure you in cases of coma, felonious assault, political evacuation, or a sports injury? A lot of this depends on the nature of your trip and upon what countries you will travel through.

How much Medical Evacuation is covered? One plan covers you for up to $250,000 while another $300,000.

Is the policy renewable? You may want to take multiple trips during the next several years. So you will want to know whether or not the plan is renewable. If it is, this will save you time and energy looking for another plan the next time you travel internationally.

The best thing to do is to speak with an insurance broker. Travel insurance is inexpensive and in the long run worth it. Click here for international travel insurance for those over 65.

About the Author:

Jeff Gulleson has over 40 years experience in the travel and service industry. He is the President of Good Neighbor Insurance.

Article Source: ArticlesBase.com - Overseas Travel Insurance for the 65 Year Old Traveler

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Tuesday, June 2, 2009

travel notebooks

Travel Notebooks

Have you ever had the perfect trip and try to tell someone else about it later only to know you have forgotten most of the important fact?

I think this is true for all of us. While all of us are not travel journalist or even want to be, the skills they’ve mastered can be great to learn in recording information for future references. The first item on most people’s mind is how to keep it simple and easy to duplicate. There are many ways; yes, portable computers to texting can help. Simple social media operations like twitter can help to store valuable information until you can organize it. But in the long run, a simple old fashion note book can work wonders. You don’t have to be a prize writing journalist to make notes that will help you tell your story to others later. The most important thing is to gather the information and record it. By keeping the same style and size of notebooks, you can start a collection of your trips. Over time it will be something you can be proud of and know you have access to facts when you are asked about a trip you made several years ago. These notebooks also can be valuable in arranging a repeat trip.
There is also no reason important papers collected along the way cannot be stored between the pages. The more facts you store, the better you will be able to recall the trip. Now when you return, take the few minutes to write a short story, I think you will be glad when you did and know it will definitely help in recalling the trip.
Happy traveling

Johnny Ray