Is Travel Insurance a Waste of Money?

The world just keeps getting smaller and smaller and global commerce is becoming more and more common. China, India and other emerging economies are now targeted by the U.S. and other western corporations in hopes of  expanding their market. Business travelers are now frequently traveling to Africa, South America and the Middle East. Vacationers and leisure travelers are always looking for new and exotic travel destinations. Let’s face it, we are more mobile now than ever in human history. Thankfully, in most cases, international travel is completed without incident. However, in some cases an international leisure or business trip can become a nightmare if you do not have the right travel insurance plan.

People ask me all the time, “Is travel insurance a waste of money?” The answer is a resounding NO. For the money spent, the coverage is absolutely worth while. Imagine you are on your dream vacation in South America and you become ill after eating out at a local seafood restaurant. In America you would probably first call your doctor and then maybe go to the hospital if the condition worsened. A doctors visit and a trip to the ER is most definitely covered by your domestic insurer but what about in South America, Africa, Europe or other countries? In most cases, you are not covered at all or the amount of reimbursement is greatly reduced. On another note, most doctors and hospitals abroad will not even entertain the idea of being reimbursed by your domestic insurance and will most certainly require payment in full. A serious condition could leave you with tens of thousands of dollars in medical bills that have to be paid. What about finding quality medical care in say, China? Unfortunately, your network of doctors and hospitals under your PPO or HMO does not extend to China. In some cases, international travel insurance plans offer an international network of pre-certified doctors, clinics and hospitals that will accept direct payment form your international insurer. This way, you don’t even have to pay out of pocket and wait to get get reimbursed later.

To me, the thought of being treated by a foreign doctor in a foreign land is frightening. What school did this doctor attend? Do they even speak your language? Is he or she trained in western medicine? If you have a travel plan that comes with an international network of doctors hospitals and clinics, you know that you are receiving quality care. Otherwise you are relying on the hotel concierge, your cab driver or a person walking down the street to offer you advice on a “good doctor.” What about if you are in a serious accident and need to be flown to another facility for life saving surgery? This is a terrible thought but it happens every day while folks are on vacation or traveling on business across the globe. Emergency medical evacuation services can cost from $30,00 to $50,000 or more for a single  trip. And guess what? It’s not covered by your domestic insurance plan. However, most quality travel insurance plans cover this event but you have to be careful in selecting a plan that does not put major restrictions on this benefit.

Travel Essentials For Men

Your work profile might include a lot of traveling in and out of the country or probably in the country itself, but in different places. On the other hand, you also can travel for leisure purposes with your family and friends. The problem that men face while packing their suitcase is what to take and what not to. This piece of information solves that problem.

This article talks about the various travel essentials that every man must carry when he travels alone or even with his family.

1. A Map: Whether you’re travelling to a new country or some place that is not known to you, make sure you carry a map of the city or place in order to prevent yourself getting lost in the lanes. It is very important to a place in order to explore more and save time. Hence, this should be your first essential.

2. Locker wallet: The last thing you’d want on a trip is to lose your passport and identification proofs. Make sure you carry a tiny locker wallet that carries all your important documents till you stay away from your hometown. You might end up stranded on the road without your identity as well as money in a total foreign city.

3. Shirts and t-shirts: This calls for the trendiest clothes, whether it is the official outing or the vacation. However, stocking up a lot of shirts and t-shirts would make your luggage heavier and impossible to carry. It becomes a burden as well to take care of everything. Hence, make sure you carry 3 shirts and 2 t-shirts (one week traveling).

4. Trousers: You do not need to stock up five pairs of trousers for five days. Make sure you take along two pairs of denims and 2 formal trousers in order to keep it lightweight for you. You can even carry one pair of denims, 1 pair of chinos and 2 trousers if you want to keep it fashionably stylish.

5. First-Aid kit: One of the most important things to carry on an outing is a first aid box. The box should have all the necessary medicines for headache, nausea, pain killers, band-aid, antiseptic cream and the prescribed medicines (if any).

6. Toiletry kit: Toiletry kits are easily available now in markets or even at online stores. You must make sure that you have two small soaps, shaving kit, small scissors, nail clippers, tissues, hand sanitizers, perfume and every other necessity that you think is essential for your convenient trip.

7. Men’s underwear: A part of your clothing article, men’s underwear is one of the most neglected or under used clothing that is not considered worth keeping in bulk for the trip. However, the underclothing keeps you healthy and hygienic all day. Hence, make sure you pack along five pairs of men’s apparel styles including briefs, mens boxer brief underwear, male thongs or anything else you like.

8. Socks: Another essential that you cannot reuse is men’s socks. They get sweaty, dirty, and smelly (at times) after the long day hard work. You cannot keep them short numbers. Hence, back full five pairs of socks that’ll keep your feet dry and smelling good.

9. Smartphone charger: How can you forget your smart phone charger when you’ll need it most of the time to locate the venue or to keep you connected with your loved ones? Make sure your phone is fully charged and is handy in times of emergency.

10. Shoes: You would definitely not want to wear your derbies for trekking or in the leisure time. Would you? Make sure you opt for only two pairs of shoes for yourself out of which one is formal and the other can be sneakers.

A Trip To The World’s Most Wonderful Water Parks

Since summers are around the bend, a ton of us have begun finishing our trip arranges. In spite of the fact that mid year travel brings the considered shoreline trips, there is a ton you can appreciate without this. In the event that you are shy of summer arranges this time, there are numerous marvelous water stops that you can go to. With negligible pressing, there are unlimited exercises you can appreciate at these astounding spots. You’ll never be shy of decisions with regards to these focuses, and in some cases a day would just not be sufficient to genuinely make the most of your trek. Here are some of these fantastic water stops that you’ll be enchanted to go to.

1. Shoreline Park

This Brazilian water park is stand-out and ideal for the mid year days. At the recreation center, there is something for each age. Regardless of what age bunch you may have a place with, this is your ideal opportunity to quit thinking and experience your childhood days by and by. In the event that you plan to visit with your family, there are a lot of stunning attractions, for example, Noah’s Ark, Acqua Circus, Treasure Island and the Enchanted River. The Beach Park would likewise give you a chance to encounter the considerable rushes of your life. Crazy is one of those astonishing rides. You can get the perspective of the whole sea and the Beach Park will you drive down the tallness. Insano, the world’s tallest water slide is an absolute necessity in the event that you have the boldness!

2. Siam Park

No rundown of the best water parks on the planet is finished without the notice of the courageous Siam Park. This park has been propelled by the Thai design and is genuinely engaging the eye. Whether you wish to encounter the rushes of only unwind, the Mai Thai River will take into account all your travel wants. One of the best parts of the Siam Park is that it has its own particular surf school where you can get prepared and really appreciate every one of the attractions of the water park. For the more youthful ones, the Lost City will really be a treat. Stuffed with fun, wellbeing is a top need for the minimal ones over yonder. The Jungle Snakes and the Giant are some exciting rides that vacationers bring in affection with in a split second!

3. Wild Wadi Water Park

Generally as the name recommends, the Wild Wadi Water Park is genuinely wild and implied for all the daredevil. Situated in Dubai, the recreation center is home to endless daring rides intended for kids and grown-ups alike. To enjoy the influxes of fun, there are numerous fascinating things to keep you entertained. It is not the biggest water park on the planet, but rather its structure and the quantity of rides make it one of the best ones. The recreation center has figured out how to keep up its appeal in every one of these years with steady advancement. Some astounding rides at the Wild Wadi Water Park are Jumeirah Sceirah, Burj Surj and Master Blasters.

Why Should Travelers Visit Alexandria During Their Tour to Egypt?

The principal heading is towards the South to visit Luxor and Aswan, or take a Nile Cruise dispatch that sails between the two urban communities to appreciate the wonderful Pharaonic landmarks. The other bearing is towards the East to investigate the miracles of the Red Sea and appreciate a couple days in the resorts of Sharm El Sheik, Hurghada, or some other city that hosts glorious shorelines.

Numerous voyagers who spend their get-aways in Egypt more often than not miss going towards the North Coast. In any case, this locale of Egypt has the absolute most striking attractions to visit, particularly in Alexandria, the Jewel of the Mediterranean Sea, the city that served as the capital of Egypt for over 500 years.

A few voyagers making the most of their occasions in Egypt would spend a one-day excursion to Alexandria to investigate the most famous highlights of the city. Others like to spend a couple of evenings to truly appreciate Alexandria to the maximum. Today, we will visit the most essential places that visitors ought to never miss in their visit to Alexandria.

The primary landmark generally incorporated into travel bundle to Egypt that incorporate a visit to Alexandria is surly the Qaitbey Fort. Sultan Qaitbey, a standout amongst the most popular Mamluks that ruled over Egypt, built this immense structure that is currently one of the acclaimed milestones of the city in 1477.

This heavenly building is the best case of the Mamluks military development in Egypt. It comprises of an immense primary building the hosts the most old surviving mosque in the city. Because of the fine condition of protection of the fortification, explorers who visit Egypt genuinely make the most of their visit to the fortress. The post likewise offers great perspectives of the ocean and the city of Alexandria.

Another famous landmark of Alexandria and one of the points of interest of the city also is Pomp’s Pillar. This tall noteworthy stone section is more than 20 meters in stature. Together with the two statues of the sphinxes, the column is the main outstanding things of an enormous sanctuary that goes back to the third century AD. A visit to Pomp’s Pillar is regularly included to numerous travel bundles to Egypt.

Visitors who go to Egypt and visit Alexandria would likewise investigate the privileged insights of the Catacombs of Kom El Shoqafa, the biggest and most puzzling old tombs of Alexandria. The sepulchers comprise of two underground floors that host several tombs.

The most superb element of this old necropolis is the surprising blend between the Roman and the Pharaonic craftsmanship and design that is stopped clear in numerous areas of the necropolis.

Vacationers who investigate Alexandria would regularly also visit the Library of Alexandria. The antiquated library was built up in the third century BC and it was one of the biggest libraries and learning focuses in the old world. In any case, the library was smoldered in the start of the first century AD.

The new Library of Alexandria was authoritatively opened in 2002 after development works that stayed for over 15 years. The oval state of the working of the library is an entirely acclaimed historic point of Alexandria today. Far from facilitating hundreds a large number of books and original copies, the library has some surprising historical centers too. This is the reason numerous sightseers who spend their excursions in Egypt would visit a library.

Alexandria offers considerably more to the sightseers who go to Egypt. Far from the superb vibe of the ocean in the city, there are such a large number of landmarks that ought to never be missed by explorers whotour Egypt.

Valley Fever In the Central Valley

Valley fever is considered, by most people in the health industry, a silent epidemic because the spread of the disease is not clearly detected. Most people who might have the disease show no symptoms or display symptoms that are identical to other diseases like the flu, pneumonia, and sometimes even as cancer. Valley fever has become an increasing problem in the US, but namely in the Central Valley. The main behaviors contributing to the rising valley fever problem in the Central Valley include not enough groups raising awareness in the community about the disease and misdiagnosis from health care professionals.So what is valley fever? Valley fever is a fungal disease caused by the soil-dwelling fungus called Coccidioides immitis. The fungus prefers to reside within hot, dry, and dusty regions and is therefore prominent in the Central Valley. It is saprobic in soil, meaning that it will eat dead matter, and it becomes parasitic once it enters the body. The fungus tends to be located in rodent burrows. It is not known why exactly but it is theorized that this is because desert rodents are resistant carriers of the pathogen and are able to spread the spores of the fungus throughout the burrows and the fungus is able to live off the rodents’ excrements. When the rodents die, the fungus can then colonize in their body, use it as food, and also utilize the body as a source for the spreading of spores. Normally, these fungal spores can be inhaled through dust when soil is disturbed and will settle within the lungs where they then transform into larger, multicellular structures called spherules. Spherules leech off the nutrients in the lungs and grow until they burst, releasing more spores. These spores repeat the process, causing the fungus to vastly multiply within the lungs. This multiplication may lead to spreading of the spores outside of the lungs and throughout the skin, bones and the membranes surrounding the brain, causing meningitis. When the fungus spreads outside of the lungs, it is known as disseminated valley fever.There are certain groups of people in the Central Valley who are more severely afflicted by valley fever. This includes individuals 23 to 55 years of age, people who work outside in the fields or at construction sites and definitely field workers who speak little English. Hispanic farm workers are greatly affected due to lack of awareness and resources. This is a grand problem because the Central Valley has a vast population of field workers who are Hispanic with limited English capability. This dilemma causes structural violence because the poor immigrant field workers lack awareness of the disease and their employers do not provide them with the proper protective gear and information, putting the field workers in high risk conditions. Employers themselves may not know or are simply trying to save money. However, the groups of people most likely to develop disseminated valley fever are African Americans and Asian/Pacific Islanders. Studies on lab mice has shown that overexpression of the cytokine IL-10, a cytokine responsible in suppressing hyperactive immune responses in the body, led to mice who got injected the disease to acquire disseminated valley fever. Humans also express IL-10 so it is speculated that African Americans and Asian/Pacific Islanders may produce a lot of IL-10, allowing the fungus to proliferate in their bodies while remaining undetected by the immune system.

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Research evidence shows 111,717 reported cases in the US between 1998 – 2011. The Centers for Disease Control and Prevention (CDC) estimates about 150,000 cases of valley fever go unreported each year due to lack of awareness. California Department of Public Health reported 4,094 valley fever cases in California in 2012. Over 75% of valley fever cases from California come from the people who live in the Central Valley. Just recently, 3,000 prisoners in San Joaquin Valley had to be transferred due to risk of valley fever after some other inmates contracted the disease, indicating the possibility of the fungus harboring close to the jail.There are certain current behaviors in the Central Valley that have led to the valley fever becoming such a big problem. At the individual level, workers find it easy and a convenience to not use proper masks when working outside in areas with coccidioidomycosis (scientific name of valley fever) spores. At the organizational level, organizations like the United Farm Workers have not been able to fight hard enough to come to agreement with farmers to provide proper protection for their workers. The San Joaquin Valley Air Pollution Control District also does not have enough restrictions established on how much farmers are allowed to disrupt soil, which does not set a limit to the amount of coccidioidomycosis spores released. Regulating this would help prevent and lower cases of Valley Fever. A major behavioral problem is that healthcare providers are not knowledgeable about the disease thus leading to many misdiagnoses.Consequences that can be used to ensure that workers use protection when working outside is to have a system put in place where they can be fired or punished by their employer if they are caught not wearing a mask. In order to get organizations like United Farm Workers to petition for more change on protection against coccidioidomycosis spores is to have all the workers in the union stop funding them if they do not represent their worries of valley fever. The consequence that could be given to The San Joaquin Valley Air Pollution Control District would be to cut their funding by a certain percentage if they do not reduce valley fever in the Central Valley. Healthcare providers will be given a positive consequence like a bonus for correct diagnosis or a subtraction from their pay if they misdiagnose.A solution to dealing with valley fever would be to modify clinician behavior to make mandatory blood tests for patients who display one or more valley fever symptoms. Diagnosis of valley fever is difficult based on symptoms alone due to vague characteristics. Symptoms of valley fever include fever, cough, chest pain, chills, night sweats, headache, fatigue, joint aches, and red-spotty rashes. This often leads to valley fever being mistaken for the flu due to the flu-like symptoms associated with it. In light of this dilemma, valley fever should be diagnosed through mandatory blood tests to check if the patients has valley ever by looking for antibodies present in their blood that fight against the fungus. The goal of this solution is to perform a proper and timely diagnosis that will get rid of the faulty behavior of valley fever misdiagnosis. This will allow for collaboration between patients, health care providers, and insurance companies. The consequence will result in an annual bonus incentive program for clinics where compliance will be reported through attestation from the patient. This will include a 10% bonus to health care providers for proper procedures and a 1% penalty for improper procedures. The funding source will be provided by insurance companies.

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This solution will be effective and observable because doctors will get the incentive to properly diagnose valley fever every year. No other incentive program for valley fever has been tried before. The incentive program would be rather inexpensive because the money for the incentive will be reciprocated from the money saved by insurance company. It will also be decentralized since the program can definitely be applied to smaller scales communities such as those in Central Valley where insurance companies usually pay for all the medical bills. The program is flexible because incentives can be adjusted according to area it is being implemented in. The solution will remain sustainable because the funding comes from the money saved from all the misdiagnosis on a yearly basis. The solution is simple to implement since insurance companies already have all the records of all the procedures done on the patients and it is definitely compatible with the value of the target users because doctors value their reputation in giving the correct diagnosis and the incentive programs will give them the push they need.Other possible solutions are to have people in endemic areas to wear powered air-purifying respirators (PAPRs) with high-efficiency particulate air (HEPA) filters. These masks reduce the average spore concentration to 1/1000 of the ambient air concentration, reducing risk of valley fever infection to around 0.17% due to a battery-powered blower that pulls air in through filters to clean it before delivering it to the wearer’s breathing zone. People living in the central valley can also limit outdoor activity in dusty areas and water down construction sites before disrupting the soil in order to avoid the spreading of spore-containing dust. Dusty clothing should also be removed prior to entering home environment. Research has shown that the drug nikkomycin Z inhibits the enzyme responsible for the formation of chitin, the building block of the fungal cell wall. So far this drug has tested successful in mice inoculated with valley fever in which the disease was halted and mice survived. These results have made nikkomycin Z a favorable candidate for battling the valley fever epidemic in the Central Valley.

Be Independent This Independence Day – Guide for Every Solo Traveler

Going with an organization without a doubt is an incredible approach to appreciate the excursion; be that as it may, doing only it will make the explorer more sure and sufficiently solid to take choices rapidly. Investigating a spot in the own way and discovering the capacities, unquestionably, adjusts the nature of a person. It is very realized that voyaging alone is less demanding than meandering around in organization. Nobody needs to get caught in a feline battle about petite issues, which is very basic in sidekick voyaging. The best a portion of voyaging alone is that one can tend to make his or her own particular calendar and not stay reliant on the other for deciding. This makes a man more engaged about schedule and empowers them to wander around in a superior way.

Getting up in the morning early and sitting tight for the sidekick to be conscious is just aggravating now and again. In any case, there is not at all like this in solo voyaging. Grateful to the god; the explorer gets up at his own time and plan out the day without waiting for any other person. It is astounding that the performance explorer can visit wherever he or she needs. There is no such thing that two individuals are differing on seeing one thing together. Indeed, solo setting out ends up being to a great degree tranquil. As the day begins, one can cover whatever number destinations as would be prudent; contingent upon the pace of investigating them. As known, everybody has their own velocity of strolling and solo explorer is not required to sit tight for another person to be with him or her.

Indeed, another fortunate thing about voyaging alone is that the costs have a tendency to be in the point of confinement. For the most part, what happens is that two or more individuals have a tendency to spend much on devouring according to each other’s decision. Be that as it may, the alone explorer will know where to stay and what to eat inside the assigned spending plan. It is truly obligatory that the financial backing ought to dependably be in control as the cash can spent on whatever other vital thing. Along these lines, there won’t be any sort of pointless costs. What’s more, with regards to voyaging alone; definite information of the spot to be gone by ought to be swallowed. This tends to shield the explorers from getting into upsetting circumstances.

Be that as it may, voyaging alone brings valuable impact on the individual since it permits him or her to meet new individuals. Be that as it may, it is encouraged to do as such in a cautious way as this won’t not end up being hazardous circumstance. By meeting new individuals and making companions, the informal community happens to widen up. That is the reason; the travel connections change into successful business connections or everlasting companionship. Also, the voyager doesn’t know in the matter of what sort of contact may turn out to be valuable at which time of life. Unquestionably, voyaging alone makes a man more grounded than he really is. This is the reason that doing as such every so often is unquestionably suggested.

The significance about voyaging alone lies in the reality of investigating the shrouded abilities resting inside. Surely, there are different needs or needs that are disintegrating inside the heart and the individual is not aggregating the bravery to manage it. Thus, when the individual is voyaging alone, he or she finds the opportunity to take a stab at understanding their needs into facts. In this way, they tend to influence their inward fears and get to be more grounded than some time recently. Alongside this great part of voyaging solo, the voyager ought to take mind that he or she conveys all the fundamental assets; else, they may wind up meandering here and there for the crucial stuff. Be that as it may, voyaging alone is about enlarging the canvas of chances and painting the photo oneself.

As the visitor tends to visit the spots all alone, they will get mindful of the streets and in addition venture focuses in a superior way by asking questions from the new individuals on the square and discovering their own specific manner to the locales. This will acquire a high measure of trust in the visitor and feel elated than they would have ventured with some accomplice. Clearly, voyaging alone will improve the traveler a man in veracity by understanding their capacities. What’s more, what else, the vacationer will have the capacity to end up more educated in voyaging alone than giving his partner a chance to do the needful of asking the routes from others and sitting like a stupid.

There are specific regions present around that opens up for vacationers to travel alone, which can end up being captivating minute and a demonstration of brave. It is a sort of excursion where the voyager can understand better places, its conventional qualities and people. Certainly, it is undeniable that wandering alongside the accomplice, companions or even family can permit the vacationers to have a ton of fun and be set up to face difficulties to manage circumstances. There are sure quantities of voyagers, who are sufficiently intense to deal with the circumstances all alone and emerge as victor and additionally more confident.