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Saturday, 24 August 2013

Lifestyle: Travel Insurance: When Your Luggage Doesn't Arrive - is it Worth Claiming Travel Insurance?

Posted on 12:18 by Unknown


The Burden of Arriving at Your Destination and Not Finding Your Baggage

Gone are the days when flying was a sophisticated means of transportation where you received excellent customer care, hygiene kits were free in all flights, warm towels were passed on even in economy class before meals, meals were served with metal silverware, alcoholic drinks were free on international flights, and you could check in your luggage for FREE.

OK, nostalgia apart, flying now is a hassle. Crowded airports, fees for almost everything, peanuts for 3-4 hour flights, plus the outrageous fees to check your luggage are some of the "perks" of choosing to fly. And then, arriving at the airport hours later, exhausted and cramped to wait in vain for the luggage that doesn't come out on the baggage claim carrousel. Wow, the nightmare. Especially when you're flying from snow to beach and have nothing but a huge jacket to wear to the beach for the next couple of days until your luggage is either found or deemed lost.

Once, after a long 10 hour overnight flight overseas, I found myself waiting at the baggage claim carrousel for approximately 2 hours until all the luggage from the flight had been out but mine. Then, another 40 minutes to go to the airline counter to make a claim describing the bag and its contents. It was extremely tiring and disappointing. 12 hours later, the luggage was found and delivered at my hotel, at least. Although I had travel insurance, I didn't think about opening a file with the insurance to collect luggage delay benefits, since the suitcase appeared and was delivered within the same day. If you have purchased insurance with luggage benefits, review your policy before leaving to make sure there is coverage for delayed as well as lost luggage.

In most instances, the airlines will find the luggage and deliver it later. Some travel policies may allow coverage after a delay of at least 12 hours depending on the reason. However, don't think it's easy to collect that money. You need to present all receipts from all the items you purchased while the luggage was not in your hands, and there may be specific items that are not covered. Usually, hygiene items and some light clothing to survive the first couple of hours will be standard.



If the airline deems your luggage completely lost, it will be another ordeal to recover some money from the carrier. You will need to file lots of paperwork and try to remember your lost articles and items and list them with their approximate value. If you have insurance that covers lost luggage, you can only claim it after the airline has paid your claim with them for the lost luggage.

These are the hazards of flying with checked luggage! So if you're going on a 2-4 hour flight and staying at your destination for just a few days, it's better to take your carry on and forget about the checked luggage. You may be thankful for it!
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Sunday, 11 August 2013

5 Signs That A Guy Isn't Ready For Marriage

Posted on 23:19 by Unknown
Marriage used to be such an easy issue in our parents' generation. You find someone decent enough to live with, have kids, and the rest, you deal with as it happens.

Now, though, marriage is a huge deal. It's a huge deal in that we longer want to deal with stupid shit and demand assurance of a peachy marriage in advance.

Well, there is no such assurance. Marriage is the ultimate proverbial "leap of faith". If you're cool with dying alone, don't get married; but if you would rather take a bit of shit now and then (or frequently if you're unlucky) than to eat oatmeal and shop for your own headstone alone, these are some of the most fundamental signs for you of a guy who is not ready for marriage (or any kind of relationship at that).

1. He Can't Pay For His Own Meal

It doesn't even matter if you're rich enough to support him. Any decent guy who is mature enough to get married should have a stable job. The fact that he would even consider marriage before getting a stable job shows he's not ready.

Several obvious hints exist for this type of person, such as

  • always "forgets" his wallet,
  • never asks for the bill himself,
  • asks you if you have money before going into a restaurant,
  • lives with his parents after the age of 35,
  • thinks working hard is for losers.

2. He Thinks Cheating Only Applies To The Wife

I've actually heard this plenty of times: "Men have urges, unlike women. So for men, it's not really cheating, just fulfilling a primal need." Wow. Comparing cheating on your wife with taking a shit. That's just insulting.

These type of guys often

  • think that commitments are unnecessary,
  • insist that you quit your job and stay at home,
  • get incredibly upset when you touch their phones,
  • demand that you cut off all relationships with anything classified as male,
  • have incredibly mysterious relationships with other women that he refuses to explain.

3. He Only Bathes When The Flies Around Him Start To Annoy Him

Smell is pretty damn important, isn't it? Not to mention just general hygiene. So if a person can't be bothered with cleaning himself, most likely he can't be bothered with doing any other fundamental tasks that are important in life. Ditch him immediately.

Also watch for

  • dirty and/or long fingernails,
  • dirty/old/torn up shoes,
  • dandruff blizzard,
  • stained clothing, and
  • a cockroach-infested car.
4. He Thinks A Woman Shouldn't Have Her Own Opinions

Not sure what day and age or twilight zone a guy lives in to think this way, but believe me, there are plenty of them out there. Stay away at all cost.

Signs that you might find for this are

  • doesn't listen much and instead talks about himself all the time,
  • seems to listen to you but never actually does what you say,
  • always stops you from giving any strong opinions by kissing you or turning it into sex,
  • constantly tells you what to wear, and
  • demands sex whenever he wants it and can't take no for an answer.

5. He Thinks Women Don't Fart

Think no guy actually think like this? Think again.

These guys usually

  • are virgins,
  • want you to be a virgin,
  • think that a wife is a maid + prostitute they don't have to pay for,
  • want you to look "pretty" 24 hours a day until you die (while they walk around in dirty underwear with dried-up come), and
  • think you secretly like to be their bitch.

I'm a guy, yet I specifically wrote this about guys, because I'm so sick of these type of jerks giving the entire genre of males a bad reputation.

It's getting more and more tough to have a decent marriage. In fact, it's getting more and more tough to even have decent relationships without most women nowadays looking at you like you're scum. Unfortunately, the main reason for this is because most guys are scum.

Hopefully, this will not only act as a guide for women of what to avoid, but also as a guide for men of what not to become.



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