For the modern traveller, the world is your oyster. Okay, maybe you're not prioritising a summer visit to currently war-torn countries such as Afghanistan, Lebanon, Iraq or Sudan. Likewise, tales of drug-trafficking, kidnapping and armed muggings might put you off a two-week sojourn in Venezuela or Colombia. But perhaps you are considering something a little more off the beaten track - a holiday that will test your nerves a little, or that will embed you in a completely different culture or environment?
Many a modern traveller now explores further afield, with Australasia, South America, Asia and Africa proving very popular for those with an adventurous spirit (who don't mind long plane journeys). But for any such trips, there are known - and unknown - dangers that you may want to research before you leave. Visit Australia and you'll probably be bombarded by people listing its dangerous creatures - box jellyfish, crocodiles, redback spiders, taipan snakes, sharks, and so on - together with a litany of tales surrounding those backpackers who never came back... But go to 'safe as houses, no dangerous animals/plants here' New Zealand and you may not realise that its capital city, Wellington, sits on a major earthquake fault line that is well overdue a 'big one'!
Indeed, in a Norwich Union survey of last year, several places were highlighted as potential danger areas, including Thailand, Mexico and South Africa, where illness, accidents and crime are common. Again, not terribly surprising, perhaps, but did you know that travellers to Mexico made the most number of claims to the insurance company for overexposure to the sun? Probably not.
The findings also mentioned the Caribbean as the worst area for travellers to suffer insect bites and stings, and even Spain and the Canaries hit the list, for possible robberies and pick pocketing.
Even if you deal with all the insects, robbers, earthquakes, illnesses, hungry sharks and venomous snakes, you may still get in your car and crash. In fact, the most likely way for holidaymakers to meet misfortune is on the road, with 15 million people a year injured worldwide in traffic-related accidents. Remember that terrifying taxi journey on the way to your hotel last year? Yes, most of us can recall at least one terrifying car journey in our search for that holiday magic.
But don't worry, BeatThatQuote.com is here to help address all your holiday concerns (both those that you knew about as well as the ones we've just got you worried about). With these travel tips, you can be sure you're making the right preparations for a safe and happy trip, no matter how adventurous you are feeling:
1. The Foreign & Commonwealth Office website is a great source of information on safe/dangerous destinations, as well as general travel advice. Well worth a look if you're planning to backpack round the world. 2. Do not forget or skimp on your travel insurance. Get travel insurance and check that the cover is appropriate for your destination and planned activities abroad. Also ensure it covers any health issues you might have. According to recent research, 15% of British people risk going abroad without any kind of travel insurance - considering an air ambulance from the east coast of the US might set you back £30,000, it is really a risk you don't want to take. 3. If you are planning to hire a car or you are taking your car with you, check you are covered for accidents and/or breakdowns. Don't assume your UK car insurance will cover you for driving overseas - it might not protect you for anything more than road traffic accidents. 4. Check what vaccinations you need at least six weeks before you go and consider whether you need to take extra health precautions. Ensure you have sufficient medical insurance cover for your chosen destination, especially if you have any pre-existing health conditions. 5. You will probably be leaving your home empty while you are away - ensure you have got/renewed your home insurance in the event of anything happening while you holiday. Also consider asking a neighbour to pop in/water the plants every now and again to ensure your house looks occupied. 6. Get a good guidebook and get to know your destination. Find out about local laws and customs. 7. Make sure you take all documentation with you, including your passport, necessary visas, and insurance documents. Make copies and store separately just in case you lose anything. 8. Check your bank cards. Do you know how much you will be charged for using your cards abroad? It might also be worth telling your bank or credit card provider about your trip. With fraud on the rise, some card providers/banks will stop your card if they see unusual/unexpected spending. A phonecall will remedy this situation but it's just another holiday 'downer' you can avoid. 9. Take enough money for your trip and some back-up funds, for example, travellers cheques, sterling or US dollars. 10. And if you're going for a long trip of several months or more, just don't forget your responsibilities at home, including your mortgage. Budget carefully and ensure you can cover all your payments both at home and abroad.
Once you have done all of this, all you need do is pack your bags and go. It might be a scary world out there, but with a bit of forethought, there's a whole lot of opportunity for adventure too. Have fun!
We have always known that investing in bricks and mortar is normally the most lucrative and wisest investment you could ever make. However, with the continuing price rises in the UK many are looking abroad to buy an investment home and future nest egg. Spain has always been first choice for many, with year round sunshine and relatively cheap cost of living. Nevertheless, what do we buy and how? Tony Roberts reveals the secrets to buying property here and offer his ten top tips on making the right investment.
When we bought our first property in the Costa del Almeria, we broke every rule and guideline. We bought impulsively whilst on holiday, having done no research whatsoever. We dealt with an estate agent who we later discovered had a rather colourful history, we bought off-plan without ever visiting the site, we did not use a lawyer and so the list went on. It was very exciting and we were incredibly lucky. However, do not push your luck follow these guidelines. Get it right and you will have a wonderful asset that will give you and your family enormous enjoyment over the years as well as creating greater wealth.
1. Get the help of an Estate Agent
Your first step should be shop for a good estate agent, not shop for a property. Estate agents are necessary in the UK and in most other countries; you cannot afford to be without one. Get yourself a good one, look at the websites; a good one will seem genuinely concerned about informing homebuyers, check out the testimonials. A reputable agent will help you to find the right property and take the headache out of property searches especially if you do not speak the language. However, a warning, think hard before going it alone without the help of an estate agent. In reality, buying privately will mean months of chasing people and worrying that you have not done everything you should. However, if you do buy privately, then be very careful.
2. Nothing beats good legal advice
As with using an estate agent to look for the right property, make sure you have the right lawyer when making your final purchase. A good agent will recommend a local lawyer who speaks English, who knows the area and all its regulations. It is amazing how many people are willing to buy something abroad without the use of a reputable lawyer. It is something they would never dream of doing in the UK.
3. Location, Location, Location
Remember the words of hotelier Conrad Hilton who, when asked what were the three keys to success, famously replied, Location, location, location. Fifty years later not only is it still true for the hotel business, but also for buying a home with resale value.
As in the UK, where you buy counts just as much as what you buy. Narrow your location choices to just a few places and think of resale value when considering a property, and will it make a good rental? Make sure necessary shops and services are located nearby and try to make sure surrounding properties are of a similar standard and size. In addition, try to get something located near the town. Remember, buying the least expensive home in the best location is better than buying a beautiful home in an undesirable location.
4. Do your homework
Buying property abroad is an exciting experience; however, one of the biggest mistakes investors make when it comes to buying property in a foreign country is failing to do their homework. You cannot do too much research into an area. Spain is a big place so first settle on a region. If it is unknown to you, try to visit the area as many times as possible so you can glean more than just one impression. Looking for property online and in newspapers and magazines should always be part of your strategy as it vastly increases your chances of finding what you want. If you are looking for property online, begin by making your initial searches as broad as possible. You can always narrow your searches later. Careful local research before you commit to buying can save much heartache later.
5 Stay Focused and do not be hasty
Stay within your budget and keep focused on what you originally had in mind, it is all too easy to be tempted to buy something that is not what you really want. While you want to cast your net as wide as possible so that you do not miss your dream home, you do not want to be wasting time viewing property that is wholly inappropriate or completely unaffordable.
Therefore, you should draw up a realistic and accurate wish list. However, you must go looking for your home with an open mind. You will soon realise that it is virtually impossible to find exactly what you want, so you may need to compromise on some issues, you prioritise your requirements.
6. Know why you are buying Make sure you know why you are buying and what it is that you are seeking to achieve with your purchase. Is it a holiday home, a residential home or an investment. Are you looking for short-term gain or regular long-term income? If buying for investment, it is vitally important that you understand the risk factor and you are comfortable with it.
7. The bigger house is not always the better.
In any residential development, houses vary in size but if you are looking for maximum resale value do not always choose the largest house on the block. When determining market value, the homes nearest to yours are most important. If most of the nearby homes are smaller than yours then they can act as a drag on appreciation. On the other hand, if you buy a small or medium house in the development, the larger homes can pull yours up in value
Do not assume that the more bedrooms you have the better the property is. Two and three bedroom properties have the quickest sell-on value and you should try to stick with this when buying. Two bathrooms are necessary and as most will tell you, a large kitchen is the heart of the home.
8. Money, money, money
The simplest fact is can you afford it? Stay within your budget, consider what you are buying, and allow for extras. The cost of buying a property in Spain is much higher than in the UK, (VAT, lawyer's fees, and taxes), so you must budget accordingly. Consider the pros and cons of buying abroad and always factor in costs including existing commitments and future expenses.
Buying a home is a rewarding experience but remember to invest in the location of your home first. Research is key in buying abroad and you have to have patience and time when making such a huge investment. If you remember that location is the primary factor in property, your money will continue to grow through the years and earn you your share in the property world.
9. Check the transport links.
Make sure there is a choice of budget airlines, and if possible more than one airport. Check out the road infrastructure. People who rent property will want somewhere that is easy to get to and will often be attracted to those places with a nearby airport served by low cost airlines. Budget airlines have opened up huge areas of Europe, but do not assume they will always be there. What would happen should the airline close down the route?
10, Check the taxation and inheritance laws
Make sure you understand the tax implications involved should you decide to sell. In addition, if you want control over how the property is dealt with on your death and avoid any restrictive rules, then check out the inheritance laws, it is likely that you may need two wills one for any assets in Britain and one covering your property and savings in Spain.
Both Caroline Poynton & Psmith are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Caroline Poynton has sinced written about articles on various topics from Finances, Debts Loans and Travel and Leisure. Caroline Poynton is a financial journalist and writes for Beat That Quote on all , mortgages and. Caroline Poynton's top article generates over 14800 views. to your Favourites.
Psmith has sinced written about articles on various topics from Computers and The Internet, Entertainment Guide and Travel and Leisure. Tony Roberts has lived in south east province of Murcia since 2001. He is now an established estate agent in the region of Costa Calida and has written a free e-book "Buying a Property in Spain",. Psmith's top article generates over 673000 views. to your Favourites.