Gain Citizenship By Investment in Dominica

The Commonwealth of Dominica, a small island in the Caribbean, is offering citizenship by investment. Citizenship is offered to individuals and their families who invest in designated real estate properties or who donate into the Economic Diversification Fund. Those who become citizens through the Citizenship by Investment in Dominica program have the right to live, work, and study in Dominica and the right to travel without visas (or with a visa waiver in 2021 and after) to about 120 countries. Additionally, Dominica has only personal income taxes, but no wealth, gift, inheritance, foreign income, or capital gains taxes, making the investment more lucrative.

Dominica has a population of about 75,000, currently comprising those primarily of African, Indigenous Indian, Syrian, Lebanese and Asian descent. It is formerly a British colony and English is the primary language. Independent since 1978, it is a parliamentary democracy with three branches — legislative, executive and judiciary. The island has available land and a low crime rate. High speed Internet is also readily available. Its banking system is stable. The currency is the Eastern Caribbean dollar, which is pegged to the U.S. dollar. The Eastern Caribbean Central Bank oversees its monetary policy.

Caribbean citizenship by investment programs are most attractive to those in the Middle East and Asia who are frustrated by delays in obtaining visas to travel to Western countries. They also provide an alternative place for them and their families to live should their own countries become unstable, European CEO says. Dominica’s program requires a minimal investment and its tax laws also make its program a good way to preserve wealth. Naturalized Dominican citizens may also keep their citizenship in the country of their birth.

The Citizenship by Investment Program is set out in the regulations published pursuant to Section 101 of the Constitution and Sections 8 and 20 (1) of the Citizenship Act as they were updated in 2016. Those choosing the EDF program must make at least a $100,000 nonrefundable donation if they are single, $175,000 for a couple and $200,000 for family of four. Those choosing the real estate option must invest at least $200,000 in a specific approved project if they are single and must hold it for three years after citizenship is granted. Application to the program is made through the government’s authorized agents. For example, one approved project is the Sanctuary Rainforest Eco Resort and Spa. The process begins with payment of a 5 percent deposit, followed by submission of documents and payment of application and due diligence fees to the government. The remaining 95 percent of the investment is transferred after the government issues a letter of approval and grants citizenship. The authorized agents facilitate this process, providing advice and support to ensure the application is successful.

How Pilgrimages Are Increasing the Saudi Arabia Economy

More than 2 million Muslims from all over the world are gathering annually to complete the fifth and final pillar of Islam, which is the Hajj pilgrimage. Until the 1950s, the number of pilgrims coming from overseas was not bigger than 100,000, but by 2013 the total number passed the 3 million mark.

The cities of Makkah and Medina represent a major slice of Saudi Arabia’s non-oil economy, providing annual incomes of around $12 billion from food, transport accommodation and fees. But with these numbers looking to increase in the next years, how will the local population be affected by the on-growing development of commercial and accommodation sites?

Makkah And Madinah Pilgrimages

To better understand why these areas attract millions of religious visitors yearly, we must first take a look at the meanings behind the pilgrimages.

Makkah is the birthplace of Prophet Muhammad and hosts the Grand Mosque, house of the Kaaba. The Kaaba is Islam’s holiest ground, a stone structure clothed in black silk, built by the Prophet Abraham. Here, over 3 million Muslims gather once a year, on the last month of the Islamic calendar to complete the fifth and last pillar of the Muslim practice. The pilgrimage begins on the 8th day of the month and ends on the 12th or sometimes the 13th. All Muslims who are financially and physically able to make the pilgrimage, also known as Hajj, are expected to do so at least once in their life.

To complete the Hajj, every Muslim must first enter ihram (the sacred state of a pilgrim), wearing plain robes. Before crossing the outer boundaries of Makkah, the pilgrim must follow certain rules, such as restraining from anger or sexual activities. After entering Makkah, the pilgrims must follow an 8km journey to Mina, where they will be accommodated in tents. On the second day, they make a 14km journey from Mina to Arafat, where prophet Muhammad gave his last sermon. The second day of Hajj is considered to be one of the most important days of the Islamic calendar. The third days marks the longest day of the Hajj. Pilgrims return to Mina, where they perform the symbolic act of stoning the devil, by throwing seven pebbles at the Jamarat, the largest column. On this day, the men trim their hair and all pilgrims remove their ihram clothes. Many choose to return to Makkah to circle the Kaaba and walk between the hills of Safa and Marwah. Both actions are performed seven times. On the last two days, the pilgrims will stone the devil again, this time stoning each of the three pillars seven times. They will spend the rest of their pilgrimage days in Mina. Before leaving, the pilgrims return to Makkah to circle the Kaaba one more time.

Although not mandatory, after the pilgrimage in Makkah, many pilgrims chose to head to Madinah, where Prophet Muhammad is buried. Madinah is the place of another pilgrimage that, although not mandatory, is performed by millions of pilgrims yearly. The Umrah pilgrimage was performed by almost 7 million pilgrims in 2017.

While the Hajj is performed during a specific time of year, Umrah can be performed year-round and is much less time-consuming. It can be performed both in the Hajj period, prior to the actual Hajj pilgrimage, or separate. During the Umrah, similar rituals as those included in the Hajj are performed, such as circling the Kaaba and walking between the hills of Safa and Marwah.

Increasing Economy and Expansion Plans

One of the most important roles in Vision 2030, a development plan aiming to turn the focus of Saudi Arabia’s economy away from oil incomes, are played by Makkah and Madinah, as religious tourism represents 20% of the Saudi’s non-oil income. The plan, initiated by the Crown Prince Mohammed bin Salman bin Abdulaziz Al Saud, aims to increase the number of pilgrims traveling to Makkah and Madina, especially for the Umrah pilgrimage.

One of the important steps taken to increase the number of religious visitors was the ease of the quota system that was very strict until 2017. The visas were reduced by 20% in 2013, in order to ease the infrastructure works done at the Grand Mosque. By 2030, over 6 million pilgrims are expected to enter the gates of Makkah. Although the number of visas decreased, the demand for luxury hotels in Makkah increased, which left the Saudis confused. In 2016, the occupancy percentage in Makkah hotels was around 90% and if the expected targets for the following years are met, there is no wonder the hospitality sector is evolving at a rapid pace. But that is not the only sector expected to benefit from the increased number of religious tourists. Airline companies, telecom operators and catering firms are looking to expand their business, as the demands increase.

Another way of increasing revenue is the introduction of Umrah visa fees. While first-timers are exempt, future visits require a fee of around $500. There is also an Umrah Plus visa, which allows pilgrims to visit other non-religious sites across Saudi Arabia, combining religious and non-religious tourism. The number of Umrah pilgrims is expected to reach 30 million by 2030. Infrastructure upgrades are also ongoing, to facilitate the pilgrims’ arrival in Makkah and Madinah.

But as tourism increases and the demand for accommodation is at raise, another challenge arose. How is the on-growing population of Saudi Arabia going to fit in with the increasing number of religious visitors? A large number of both Makkah and Madinah residents found themselves overwhelmed by the extending number of developments made to meet the needs of pilgrims. The areas around both cities experienced a decrease in residential capacity, as various changes were developed, to make room for accommodation and commercial spaces. Vision 2030 appears to have a solution for this as well, as by 2020 home ownership is expected to increase from 47% to 52%. A solution is to utilize government-owned land to provide housing units at an affordable price. This is expected to decrease the price discrepancy between residential proprieties in the holy cities and Jeddah, the major urban center in the area.

James Dean of MONEY.CA and Money Magazine found this important link and website helpful


How Does Driving While High Compared to Driving While Drunk?

The recent legalization of marijuana for recreational use in Canada has potentially major repercussions to people on the roadways. Toronto police are being extra vigilant about impaired driving as a result, which means that TorontoDUI lawyers are needed now more than ever to make sure that people’s rights are respected during traffic stops and in courtroom trials after that. The effects of alcohol and cannabis on drivers are the same in many ways, but they can differ significantly as well. A skilled DUI lawyer can help you navigate this sometimes tricky terrain.

Alcohol’s Effects on a Driver

In most respects, drinking alcohol before getting behind the wheel has a more severe impact on a driver than cannabis and driving. Alcohol immediately affects the judgment area of your brain, impairing not only your ability to determine what is a reasonable risk but also your judgment when it comes to how much you should drink. This is one of the main reasons why excessive drinking happens in the first place – people who are slightly drunk often don’t realize that they are impaired and become more likely to drink more. Alcohol also slows down your reaction time, meaning that the chance of stopping before hitting an obstacle in the road is greatly increased. These factors combine to make drunk drivers the most dangerous people on the road.

Marijuana’s Effects on a Driver

Marijuana has similar effects, but to a milder degree in many cases. Like alcohol, marijuana effects your judgment and your reaction time. The degree to which you become affected tends to be less severe than alcohol, but that also depends on the dosage. While a person can easily measure alcohol intake by determining the number of bottles or glasses consumed, dosages of marijuana vary immensely from product to product. A single pot brownie might have a higher amount of cannabis in it than a joint, for example. Cannabis can also impair vision, making it more likely to miss something on the road. With reaction time already slowed, this can lead to deadly consequences.

How A Police Officer Decides if a Driver is Impaired

Whether you get pulled over for impaired driving due to alcohol or marijuana, the arresting officer has certain procedures that need to be followed. Determining your level of impairment often involves a sobriety test. Police officers are trained to pick up on specific signs, including the smell of alcohol or marijuana, erratic movement of the pupils, and decreased motor skills. Even if you pass a field test, the officer might require you to come to the police station to take a more accurate test. You should cooperate with the police but also take mental notes on anything unusual that happens during the traffic stop so you can provide this information to a DUI lawyer later.

The consequences for impaired driving in Ontario include fines, loss of your driver’s licence, and potential jail time for repeat offences. By knowing the facts, you can make sure to avoid a potential traffic stop while also knowing what information to tell to your DUI lawyer if you do get pulled over for impaired driving.

Toronto DUI Assistance
34 Eglinton Avenue West Suite 810
M4R 2H6

5 Simple Facts You Should Know About Arranging a Private Jet Charter

Do you need to make a trip and dread the idea of using a commercial airline? Consider the idea of arranging for a private jet charter. The process is easier than you may think and it will certainly simplify your travel plans. From securing your own jet to taking advantage of empty legs to New York and back, here are some things you should know about charter flights. They may help you get an even better deal.

Several Factors Will Affect the Cost

How much does it cost to rent a private jet? Several factors impact the expense. One has to do with the destination that you have in mind. The size of the jet will also make a difference. Requiring certain features and amenities that are above and beyond the basic ones provided will also add to the cost.

When you approach a service, make sure you include information about anything you need along with the destination, the departure and return dates, and even how much space you will need for luggage and other things you are taking along. Doing so will make it easier to identify a charter that’s right for you and happens to be the most cost-effective.

Taking Advantage of Empty Legs Could Save Money

Empty legs is a term that describes a charter jet that has to return to the point of origin without anyone on board. The good news is that if you need to make a quick trip and the charter service happens to have an empty jet going your way, you might be able to enjoy a lower rate.

For example, the charter service has two empty legs to New York that will take off in the next six hours. Can you be ready to take one of those? If so, the service may be willing to offer a discount that allows them to at least cover the cost. They come out better because expenses are offset and you get to save money too.

In terms of empty legs, how much does it cost to rent a private jet? Depending on how flexible you can be about the departure time and the amenities included in the flight, you could enjoy a price that’s much better than you expected.

You Have More Control Over Departure and Return Times

While you do have to be somewhat flexible if you want to take advantage of empty legs to New York, other approaches to renting a private jet allow you a great deal of leeway over departure and return times. That means if you need to be in front of a client tomorrow morning, it’s possible to fly out tonight. Once your meeting is compete, you return to the airport and come home. What could be simpler and a better use of your time?

So if you want to leave in a matter of hours, how much does it cost to rent a private jet? The charter service can match you with an available craft and tell you exactly what the total cost will be. That’s important, since you don’t have to worry about incidental fees and charges appearing on the back end.

You Can Book on Short Notice or Well in Advance

You already know that getting a commercial flight at the last minute is difficult. While you may need to hurry in order to take advantage of empty legs to New York, arranging a typical charter flight can be done in a matter of hours or booked weeks or months in advance. It really depends on your situation and how soon you need to be at the destination.

Depending on the circumstances, how much does it cost to rent a private jet? Expect to pay a little more for last-minute trips, possibly enjoy a lower rate if you can grab an empty leg flight, and maybe get some sort of discount if you book well in advance and are willing to share a charter flight with another party who is flying out the same day you have in mind.

Boarding is a Lot Easier

Whether you are now booked on one of those empty legs to New York or setting up a charter flight in advance, the boarding process will be a lot easier. In many smaller airports, you may be able to have someone drive you right up to the jet. There’s no need to check in at a terminal, walk to a distant gate, and then wait for what seems hours before you can board. Think of the time you can save, not to mention the convenience.

Call a charter service today and ask a few questions. How much does it cost to rent a private jet? What kind of jets are available? How far can I travel on a private jet? Once you have answers to those and other questions, making the arrangements for your trip will be easy.

NovaJet Aviation Group
2450 Derry Rd E

L5S 1B2
+1 905-673-0287

How To Finance Travel Around The World – Tips and Tricks

Travelling around the world is something a lot of people aspire to do. In fact, it’s one of the most illustrious and lofty goals you can have. However, there’s usually one thing weighing people down and stopping them from realizing their dreams.

Money. It’s a constant source of strife and frustration. It’s difficult to gather the funds required to finance such an enterprise, which is why a lot of people fall short. To try and help with this, we’re going to be taking a look at a few different tips to help you finance travelling around the world.

Budget From The Beginning

When you’re trying to travel the world, a reasonable budget is one of the first things that you need to consider. Without a budget, you can’t hope to realize your dream of seeing far off places all around the globe.

From the start, you need to work out how much you’re going to spend in each place, and how much you’ll need to get around the world and back. As well, you should try and plan for circumstances beyond your control, and have a little extra money saved up for emergencies. This sort of budgeting will be invaluable to you when you’re actually travelling.

Book In Advance

If you’re going to be jet-setting across the world, then you need to make sure that you’ve booked as much as you can in advance of the trip.

The reason for this is twofold. For one, you’ll get to have your pick of hotel rooms and plane tickets. As well, you’ll find it’s a lot cheaper to try and book tickets in advance, as opposed to during peak times in the summer when they’re going to be most popular.

Make Sure Your Paperwork Is Ready To Go

Travelling the world can be an absolute joy, and it’s no wonder why so many people choose to do it, but you need to make sure that your paperwork is ready for such a task so that you can move from one place to the next with ease.

You may need to research where you’ll be required to get a visa. Trying to find a Turkey visa for Canada citizens can be somewhat tricky in some instances unless you look online. However, the fact remains that unless you want to waste time and money when you move from one country to the next, it’s best to make sure your paperwork is in order and you’ve paid for any additional identification you need.

To summarize, these are just a few of the different things that you need to consider when you’re travelling around the world and need to finance it. It’s important to understand that this kind of affair isn’t cheap and that by budgeting and planning ahead you’ll save the most. As well, you should consider the rules in each country, and make sure that when you cross into a new place, you’re following all of the procedures that were laid down by that government.


India is emerging as a Popular Destination for Globetrotters

India is considered the most attractive market by international investors, says a survey published by Business Standard in 2015. With 32% of the respondents on the survey ranking India as the most attractive market, the country has proven to be a premier choice for investors worldwide.

Due to recently launched initiatives like ‘Startup India’ and ‘Digital India’, the country is now being viewed increasingly as a destination for innovation and digital transformation.  

Growing Tourism in India

Not only for business, India is also a popular destination for British holidaymakers. According to an article published by The Telegraph, every year, 800,000 Brits travel to the world’s second most populous country. India’s most cosmopolitan city, Mumbai, receives 18% of all arrivals, whereas 45% of all e-visa tourists prefer landing at New Delhi’s Indira Gandhi International Airport and then head to other popular destinations like Agra and Rajasthan.

According to an expert at Cruxton , cheap first class flights tickets to Mumbai & Delhi are a great way to experience yoga, meditation and Ayurveda, all of which are popular among tourists seeking serenity and spiritual

The rapidly growing tourism industry of India is economically important for the overall economy. According to the World Travel & Tourism Council, tourism generated INR 6.4 trillion or 6.6% of the nation’s GDP in 2012. Not only that, the tourism industry in India supports 39.5 million jobs, accounting for 7.7% of the total employment in the country. It is also predicted that the sector will grow at an average annual rate of 7.9% from 2013 to 2023. 

Taking Advantage of Air Travel  

As mentioned earlier, tourism is vital for the economic prosperity of many nations. Needless to say, an increase in air connectivity spurs tourism. It is the sound air networks that attract many tourists to a country, giving them peace of mind that they will find easy connectivity to all destinations within that nation. This also helps enhance links between businesses by providing better access to markets. As a result, the economy grows, such that the country is able to provide better facilities to its visitors.


According to data released by the UK’s OAG Aviation Worldwide Ltd, an air travel intelligence company, with around 130 flights every day and a total of 47,462 scheduled airline flights in 2017, operating between India’s political capital and its commercial capital, the Mumbai-New Delhi route ranked third among the busiest air routes in the world, after South Korea’s Seoul Gimpo-Jeju route, with 64,991 flights, and Australia’s Melbourne-Sydney route, with 54,519 flights in 2017, according to an article on Business Today, published on January 11, 2018.

Millions of passengers from across the globe, including the UK, are booking first class flights to travel to Mumbai & Delhi, the gateways to all major tourist spots in India.

If you too are planning a trip to India, take advantage of the affordable first class flight tickets and cheap accommodation.

Booking an Airport Shuttle in San Juan? Some Practical Tips

Believe it or not, at about 4,300 vehicles per paved roadway mile, San Juan is among the cities with the highest vehicle density in the world! Therefore, irrespective of the time of day you choose for travel, the roads are likely to be crowded. You will also need a dependable San Juan airport shuttle service, booked in advance.


VIP Limo Puerto Rico, a trusted airport taxi service providing Puerto Rico airport transfers, reiterates that engaging experienced and trained chauffeurs becomes extremely important in this city, owing to the heavy traffic congestion and busy streets. We look at some more factors that you need to keep in mind when booking a taxi service as airport shuttle.


Booking an Airport Shuttle Judiciously


  • Always Choose a 24-Hour Service: Remember, there is nothing you can do to control the arrival time of your flight. With heavy air traffic for most parts of the day across major airports, delayed arrivals have become more common than ever. You would not wish to book a taxi service in Puerto Rico that operates only till 9 PM and arrive at 10 PM, after having braved multiple delays. Engaging a shuttle that ensures availability of vehicles round the clock is the safest bet.


  • Ensure They Drop You at Your Desired Destination: If you have booked a cab for an airport drop-off, it is wise to call up the company and check if they will drop you right up to your desired terminal. It may so happen that your taxi goes only up to the outskirts of the airport and your flight departs from the farthest terminal. Having to walk across with luggage in tow can prove to be utterly distressful.


  • Make Room for Luxury: It is always wise to pick a luxurious ride, especially if you are getting off a long, tiring flight. Being greeted by a professional chauffeur at the airport only to be led to a comfortable ride can be one of the best ways to pamper yourself and relax your body. Limousines offer the best city rides, with complete comfort, on-board refreshments and entertainment on the go. You can enjoy the ride as you sip on your preferred beverage. Also, if you are heading to an important business meeting right from the airport, this ride can actually offer that much needed breather, helping you to concentrate better after a long flight.


  • Keep Luggage in Mind: Always keep the volume of luggage in mind when choosing your vehicle type for taxi services in Puerto Rico. Booking a small car for price advantages may seem wise. However, having to travel in a cabin that is cramped up with your luggage is nothing short of irritating! Take a realistic pick for comfort and convenience.


It is also important to check on the reputation of the taxi service before you choose. They should be responsible enough to stick to timelines. Also check the quality of fleet. The vehicles should be clean, comfortable and properly serviced.

Does It Make Sense To Own A Car In Canada?

Readers of this website will already be aware of the fact that a car is not an asset, but a liability. The value of your car starts depreciating the moment you drive it out of the showroom. But given the convenience and independence that a car provides, there is no way to objectively look at vehicle ownership as a financial decision.

But car ownership is not necessarily a sign of convenience in a country like Canada where nearly 85% of the population live in urban and metropolitan areas. Just three cities – Toronto, Montreal and Vancouver house nearly a third of all Canadians. Given the level of urbanization in the country, services like Uber could be a great commutation alternative to owning your own car.

Let us do the math. On an average, Canadians travel nearly 17 kilometers to and from work and spent around 26 minutes each way. A Canadian Automobile Association (CAA) study claims that the average midsize car in a state like Ontario costs about $0.54. Driving 25 days a month works out to around $5500 a year. Add to this the $1458 spent annually on auto-insurance premium in Ontario and the annual costs work out to nearly $7000. If you own a $35,000 car, the loan repayment alone would add up another $5000 annually. In comparison, hiring an UberX in Toronto will cost around $23 one way. That’s $14,000 a year.

At the outset, hiring an Uber may seem like a more expensive option. However it also needs to be pointed out that being driven around from home to your workplace also frees up your time which can add to your productivity. Overall, Uber might work out cheaper for the average commuter.

But this is not always true. The cost of hiring an Uber may work out more expensive if you travel longer distances or work for more than 25 days in a month. At the same time, owning a car can be cheaper if you buy a used car, or share your ride with fellow commuters from your suburb to the city.

There are other issues with relying entirely on a third party service to drive you around the city. Just in the past two months, Uber first announced its decision to pull out from Quebec only to backtrack on the decision a few weeks later. As a commuter, this brings about a lot of uncertainty that could be altogether avoided by owning your own car.

There is also a third option which is making use of public transport. The major cities of Canada are extremely well-connected by public transit by roads and trains. The monthly cost of public transport can vary anywhere between $40 to $160 which is significantly lower than owning a car or hiring Uber. Not surprisingly, nearly a quarter of commuters across Canada make use of the bus and rail networks to get around to and from work.

In conclusion, buying a car is not always the best financial decision. Depending on your commuting patterns, it may be cheaper to use on-demand services. If you are located close to bus or rail networks, public transit may bring down the cost of travel significantly. Yet, there is no gainsaying the fact that car ownership does bring a certain level of independence and convenience which is not offered by any of the alternatives. If you are someone who would need such independence, car ownership makes sense. Otherwise, you are better off using public transport and Uber in the cities of Canada.

Frugal Wanderlust: How To See The World On A Budget

Frugal Wanderlust: How To See The World On A Budget
With summer on its way, you only have so many weeks left to save up for your holiday in the sun. If your last check-in with your savings revealed you’re far from your goal, don’t despair. Saving up all of your extra cash until your piggy bank is bursting with Benjamins isn’t the only way you’ll see the world this summer. By using the right tools at the right time, you can keep your costs low. Keep reading and find out the best ways to save on your next trip, so your unchecked desire to travel won’t put your finances at risk.

Don’t Pay Full Price For Your Flights

You can find a return flight from LaGuardia to Miami for under $100, but flights this cheap aren’t always available once you leave the good old US of A. If you plan on taking your trip overseas, the cost of air travel will eat up most of your budget. You can make sure it only takes a modest bite out of your fun money by using the travel app Hopper.

We’ve all heard the rumor that there’s a specific time when it’s best to buy your tickets. Rather than rely on hearsay passed down from your second cousin twice removed, Hopper sends you reliable notifications when the cheapest price is available for your preferred destination. It won a Google Play Award in 2016 for its ability to shave off up to 40% off of flights, so you know it’s legitimate.

Consider Taking The Couch

Next to flights, accommodations are one of the most expensive elements of any trip. You can eliminate this cost altogether if you’re willing to be a little brave and create a profile on Couchsurfing. Couchsurfing is an online travel community that lets you connect with locals who are willing to offer you their couch or spare bedroom for free! It’s also a great way to make new friends with people who can give you a local’s look at your destination.

Use An App To Find Your Accommodations

Couchsurfing isn’t for everyone. It takes an extroverted personality who’s willing to take a chance on a stranger. If you’d rather have your own place without relying on a stranger’s good will, turn to your phone again to find the best prices on hotels, bed and breakfasts, or AirBnBs.

With AirBnB on your iPhone, you can rent an apartment in downtown Barcelona or a loft overlooking the canals in Amsterdam. The cost of these private apartments is usually much lower than the average hotel, and it’s like you’re actually living like a local with all of the privacy and convenience of your own home.

Though AirBnB is a secure and reliable way of finding a place to stay, there have been mix ups in the past that left travellers stranded and hosts furious. Hotel Tonight can save you if you ever find yourself in a position where you aren’t sure where to lay your head at night. Should your flight get delayed and you miss your reservation or your hostel ends up being above a bar without any noise insulation, tap open the Hotel Tonight app and it will connect you with a clean, quiet room in under 10 seconds. You also get a deal on these accommodations, since Hotel Tonight partners with local hotels that are willing to drop their prices in order to fill their remaining empty rooms.

Consider An Installment Loan

At the risk of sounding alarmist, problems with your accommodations aren’t the only things that can go wrong while on vacation. Though it’s the last thing you want to think about, it’s a good idea to consider some contingency plans. It’s why you signed up for traveller’s insurance, and why you should consider an installment loan to cover other emergencies that you didn’t budget for.

You could get slapped with a speeding ticket during your drive along the French countryside, or you could scrape the side of your rental car as you attempt to parallel park along narrow European streets — only after you declined the accidental damage insurance. Your AirBnB can fall through and you end up spending more on accommodations than you budgeted, even with the help of Hotel Tonight. There are a lot of reasons why your trip may get expensive. A personal cash advance can help you cover these unexpected hiccoughs.

While traditional lenders will require in-person meetings and lengthy review processes before they lend you the cash you need, CABs (or Credit Access Businesses) like MoneyKey require a simple online application that involves basic contact and financial information. Should you qualify and be approved, you can receive the money you need in as little as one business day. Their online installment loans also come with extended terms that won’t interrupt your fun abroad, as you can make payments over several weeks once you return home.

Don’t Exchange Money At The Airport Or Your Hotel

The US may have a strong dollar within the international context, but that doesn’t mean you should get lazy. If you hope to rely primarily on cash while you’re abroad, don’t exchange your USD to Euros with organizations that apply the highest fees for their services. We’re talking about the airport, foreign currency websites (yes, these services deliver your cash to your door), or mall kiosks. Most banks will offer a fair exchange with minimal fees, while ATMs both at home and at your destination offer a good alternative if you can’t make it to your branch before your flight.

Eat In As Much As Possible

The best part of travelling can be sampling the local cuisines, but eating out for every meal is a fast way to burn through your budget. Don’t waste your money on an overpriced sandwich or bowl of soup at the art gallery. Limit your gastronomic globetrotting to special meals at the restaurants you really want to visit. For everything else, hit up the local grocery and pack snacks for your sightseeing tour around the city.

A vacation abroad can be expensive at any time of the year, but summer is in its own category as the travel and tourism industry kicks into its busy season. If you expect to leave on a jet plane this summer, keep your costs low by using these cost-cutting tips. Let us know of any tricks you like to use, and share your favorite way to come under budget.

7 Easy Ways To Travel On A Budget Without Skipping The Fun

7 Easy Ways To Travel On A Budget Without Skipping The Fun

Traveling the world is an adventure nobody forgets. You get to meet new people, explore new cultures, and experience exotic foods you’d normally only consider eating on a dare.

If you’re traveling on a budget, but don’t want your financial requirements to cut into your explorations and entertainment, here are 7 ways you can keep more of your dollars without sacrificing any fun:

1. Explore countries that are more affordable

If you’re looking for premium hospitality without the high cost, Nepal is a great destination for you. The locals are extremely warm and welcoming, and you can get by with less than $10USD/day. In Nepal, you can experience beautiful wildlife, including Bengal tigers and sloth-bears, through safari adventures.

There are other countries that are affordable to travel to like Mexico, South Africa, Chile, and Puerto Rico.

2. Use promo codes as much as possible

Promo codes are the digital coupons of the internet and they are everywhere. Some codes will save you a lot of money or give you a BOGO deal, while others might only save you a few bucks. If you can’t find the really good codes, you should still use them, even if you only get $5 off. When you’re traveling, every dollar you can save adds up.

3. Check local hotels for entertainment

When you’re traveling, chances are there’s a luxury hotel nearby, and luxury hotels are known for their wonderful live entertainment. Popular acts like Cirque Du Soleil and the Blue Man Group perform at hotels all around the world.

4. Use connecting flights

Nobody likes connecting flights, but they can save you a ton of money. If you’re on a budget, you won’t miss out on any fun by using a connecting flight. It might add a few hours to your travel time, but if it saves you a couple hundred bucks and you can put that money toward more food and entertainment, it’s worth it.

Also, remember that airlines, hotels, and car rental companies are notorious for charging extra fees and it’s up to you to make the right choices to avoid those fees.

5. Book your car rentals the smart way

Car rentals almost never end up being the advertised daily or weekly price after all the fees, taxes, and insurance costs have been added. You’re also likely to pay double or more for your car rental when the pick-up and drop-off locations are different.

Whenever possible, plan for your car rental to be picked up and dropped off at the same location, even if it means rearranging your itinerary.

6. Avoid taxi cabs and use public transportation instead

If you’re visiting a tourist town, taxis will be always more expensive than what you’re used to in your home town. Cab companies know they can count on the income from tourists who don’t want to drive and don’t feel comfortable taking public transportation.

When it comes to saving money, there’s no better time to push through any social anxieties around using public transportation in a new city.

7. Use airline industry insider secrets

Thanks to the internet, airline professionals are spilling the beans about how to get better deals and not get sideswiped by unfair practices that aim to keep more of your money.

For example, Tuesday, Wednesday, and Saturday are noted as the cheapest days to fly (but not necessarily the cheapest days to buy). Also, when your bag is delayed, the airlines will try to placate you with $25 or $50 but according to insiders, they can owe you up to $3,300 if you can prove you needed the items in your bag.

If you experience a delay or a problem with your flight and it’s the airline’s fault, don’t be afraid to speak up. They could owe you money that you could use on your trip.

Budgeting doesn’t have to be boring

Traveling on a budget doesn’t have to mean planning a boring vacation or trip; it just means allocating your financial resources so you have the funds to cover the activities you want to experience while traveling.