Asia Cheap Travel, Screw the Research & Planning!

One of the biggest problems that I face when planning Asia cheap travel is trying to set the main things that I want to do and then to come up with a reasonable time frame and importantly for me a cheap travel budget that is realistic to the goals that I have identified. Research is the key to having a great vacation or an OK holiday, screw this part up and regret it you will. Time and money always being the major influences for me as a professional Cheap Charley, I want the best chance of having a great time so I work it hard before I go on the road.

I go to the travel blogs for my main research once I have an idea where I want to go to, one that I lean on is Travel The people that write on that particular blog have no financial reason to give you slued information and they tend to be more seasoned travelers than the great majority of new guys on Thorn Tree. I look to see what they did and see if it interests me, always keeping in mind that I do not want to follow exactly the hobbit trail, otherwise why bother, just read about it. Now it is safer to follow exactly what other people have done but the surprises that you encounter sometime good, sometimes bad are the stuff that stick in the old cranium.

For instance the clock tower in Mandalay in Burma Myanmar, why bother unless you need to set the time on your watch, for me it was a waste of time, we did however have a great time at a restaurant that had duck and goose hanging in the window which was not a tourist place as it was not listed anywhere just down the street, just a regular local restaurant that we stumbled into just because the stomach said a stop was in order.  I did really dig sitting in the Savoy hotel having tea which is listed and the time in Bagon was priceless. I tell everyone that they need to make Bagon a priority if they are going to be in that part of the world. Had I did proper research, I would have know that the boat only runs on certain days between Mandalay and Bagon, Major Bummer! The boat was really cool looking when we checked it out on the dock after taking the boring flight because the planner in the research phase missed that one.

Time is always a nuisance, so I recommend that you plan so that there be flex days when you can get the cheap travel on demand, usually bus or train segments, and then if you find a place that really interest you, you can hang longer and really dig into a place. Quiananmen South of Tiananmensquare in Beijing was one of those places for me that created a dilemma as I had a really cheap flight to Bangkok on Air Asia out of Xiamen , which was a very cool place worthy of more time, but I was having such a great time in the Quiananmen Market section to the south of Tiananmen square that I wanted to stay in that area longer, which I did, and was rewarded late at night just before the cheap noodle place closed, to watch a local family restaurant dynamics at the end of the day. The bus boy dishwasher was worked about something and he was letting everyone know in a voice that would not be out of place between me and my precious pussy cat “Mangler”  when I am standing on her tail as she is shredding my leg with her razor sharp mouse killers between the bathroom and my morning coffee, anyway, the fur was flying and the  back and forth was hilarious as they kept at each other with about 6 staff all interacting for about 5 minutes and at the end of the day they all started laughing, now I don’t speak any Chinese but have been involved in that kind of tit for tat and for me that was the highlight of the trip, as I connected with that family group intimately as the fly on the wall contentedly slurping my excellent late night local noodles.

Money is the other thing that I spend a lot of time researching. I ran a small business and the rule of thumb that I learned is that you should have 2.5 times the budget that you think you need and for cheap travelers this is a bit higher than you want to hear I am sure but I would suggest that you have 1.5 available and that you have a reserve of at least 1 times more should something unplanned for happen, nothing worse than being a stranger in strange land making the universal rabbit ears distress signal with your pockets.

Credit cards are good but bless that little Murphy’s impish soul, in times like these they can shut off for no readily apparent reason and if that is all that you are counting on life can get really interesting. I suggest that you have lined up in advance some back up like a rich uncle or other family member that you know will step up should the need arise. Major tip: People that owe you money are not good bets! Have your checking, saving, debit, Visa, MasterCard card information ready so that they can either do a bank to bank transfer or make a payment direct to your credit card. . American Express works great, but if you qualify you wouldn’t be reading this now would you! The safest bet is having a debit card with a easy pin as you can have someone make a direct cash deposit to your bank and then you get immediate access via a cash point or ATM.   Today banks have real people hours so the longest possible time would be 48 hours.   They can also make a Visa or MasterCard payment but they still might not sort you out and turn you back on if they know you are broke and playing in Asia instead of working hard to pay their legal loan sharking rates, and it usually has at least a 3 day wait.

Travel Insurance

Travel insurance give protection against traveling problems like traveler’s holiday costs against adverse events such as cancellation and interruption. It also recoups medical expenses, the loss or damage of property and transit delays. Travelers are compensated if they have to cancel or interrupt their travel; they will also be covered should they need emergency medical treatment, medical evacuation and other situations.

The main categories that travel insurance covers are delays and cancellation including curtailment, medical reasons which include medical and health reasons, medical evacuation. It also pays in case of traveler’s death due to air flight accident, common carrier and accidental death. The last category is loss or damage of personal effects such as baggage loss, rental Car damage and assistance services. The cost of travel insurance is based on the number of people traveling and the value of the trip. You can buy travel insurance from a travel agent or tour operator.

Travel insurance is designed to provide compensation for anything that could go wrong while you are away. It covers all the things from canceling of your trip to losing your suitcases. Before leaving on vacation, make sure you have adequate insurance. Sometimes the vacations cost thousands of dollars so it is important to have the proper insurance protection. There are four major types of travel insurance. The first one is trip cancellation insurance which would reimburse you if the cruise line or tour operator goes out of business. It would also provide coverage if you have to cancel the trip due to sickness, a death in the family or another calamity listed in the policy. The other one is baggage Insurance or personal effects coverage which provide coverage if your personal belongings are lost, stolen or damaged during the trip. The emergency medical assistance provides insurance and medical assistance for travelers. It would cover if you had to be airlifted off a mountain due to a skiing or hiking accident or if you had to stay for a prolonged period of time in a foreign hospital. It would also provide coverage if you got seriously sick or were injured and needed to be flown home. The last one is accidental death insurance which provides a variety of coverage if you or a family member dies on the trip. If you have a good life insurance plan or made other financial provisions for your loved ones, this may be duplicate insurance.

There are number of insurance providers which provide insurance according to your need. You can contact directly with them and also log on their websites.

Company Training for Financial Institutions?

In every industry, professional training fulfills a very valuable need to keep up-to-date with all developments in the sector and compete in the international marketplace. This is certainly true of financial institutions such as investment banks, asset and fund managers and as a result of this there are numerous training programs available for institutions like this today.

For businesses in the finance sector, there is the choice of attending many popular public courses that take place around the globe. These can include a variety of useful topics, such as risk management and operations, corporate governance training, corporate finance, wealth management, UCITS Funds, FATCA Compliance and many more.

On the other hand, there is an equally large number of in-company training courses, which can be specifically tailored for the institution in question. Courses that are constantly in demand worldwide include those on operational risk management, corporate finance, asset management, regulatory and compliance and much more.

Whether you and your institution are looking for corporate governance training or instruction in the area of regulatory compliance, there are many advantages to taking in-company training over registering for public courses; here are a few of the major reasons why.

The first of these is that it is essentially a more cost-effective option to receive any training in-house. Although there are many public training courses in key locations around the globe, to give two major examples – sending a large number of staff members to these locations can cost the institution unnecessary time and money.

This, however, may not be such of an issue for financial institutions that are situated in locations where many finance and management training courses are run. If this is the case, the costs associated with travel may be significantly reduced and therefore the option to attend a public training course becomes financially viable again.

This does, however, mean that the learners will have to travel to their public training course on the specified dates and at the specified times; in-house training, on the other hand, gives the institution the possibility to organize the training at their convenience.

With the variety of different specialists working for a financial institution, in-company training programs can allow the company to plan training to fit in with everyone’s schedules. Logistical issues regarding travel are also eliminated, as participants are simply required to make their way to another part of the building not leaving their work places for too long.

Probably the biggest advantage of in-company training programs, however, is the fact that these can be customized very specifically to the institution or company organizing it. Case studies and examples are a fantastic way to bring some of the harder-to-grasp concepts to life, and these can come directly from the business itself.

The training provider will also be able to cover specific topics depending on the institution and the employees it is delivering training to. It will also be able to cater for different levels of learners, whether they are complete beginners or have a more advanced knowledge of the topics covered. This also avoids some of the generic themes of public training courses.