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The Pros And Cons Of Using Your Credit Card Abroad

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While it is undoubtedly very convenient to swipe your credit card when you are travelling overseas, it might be an eye-opener to know that you may be paying additional costs and fees every time you do so. Consider these statistics

Banks earn 500 million from overseas credit card usage.
According the Office of National Statistics, Britons spend more than 30 billion in foreign countries; of this, more than half is spent with credit cards.
Almost 70% of credit cards users are unaware that their credit card company levies additional surcharges and fees when they make card purchases during foreign jaunts.

If you were previously unaware of these charges, read on to find out the specific costs you could incur when you swipe your cards on non-UK soil.

Fees for Swiping your Card

When using your card abroad, you may have to pay up to 2.75% of every single purchase you make as an exchange rate loading or foreign usage fee. This means if you have bought goods worth 1000 on your credit card, you may have actually paid 1027.50 for them.

Fees for Cash Withdrawal

If you need cash whilst travelling abroad, you should try and avoid making withdrawals on your credit card as you may be subject to even further charges. Firstly, you may have to pay local cash withdrawal fees of approximately 1.5%. Secondly, you may also need to pay additional fees for withdrawing cash overseas. You may also be charged interest on the amount of cash you withdraw. This means that potentially for every 1,000 you take as cash you may end up paying 47.50 for the privilege (the equivalent of an interest rate of 4.75%)

Currency Conversion

Here you pay a bit of money, even though there are 2 ways in which currency is converted to sterling. In the older system, when you make credit card purchases abroad you pay in local currency. Visa or MasterCard then convert the purchase price to pounds when you reach home, and you pay the amount in sterling. Since the exchange rate fluctuates, you may either find yourself paying up more, or less than the day you made the purchases. In the new Dynamic Currency Conversion or DCC, the local payment vendor will inform you of the pounds sterling equivalent at the purchase point. However, although the exchange rate offered is normally quite poor, this method does help you to budget during your holiday as you are aware of the exact amount charged to your card.

The good news is that not all credit card providers charge you the same rate. If you are a savvy user, you should either be able to negotiate your card company into proving you with a more reasonable foreign usage rate or simply select a card that levies the lowest fees. This is well worth doing as by investigating possible credit card charges before you get on the plane, you may save up to 5% of your holiday costs.

There are a few credit card providers that dont charge a commission fee when you use your credit card overseas. One of these is the Post Office credit card. Comparison websites like About Your Money will compare the Post Office credit card against other credit cards. Because lets face it you are not on holiday or overseas all the time, so although this will save you money for a short period of time, will it for a longer duration.

The Magic Of Traveling – Kashback Has You Sorted!

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At some point in our lives, everyone needs a break from the stress of everyday life. A holiday is the perfect solution, allowing you to get away, relax, and explore new surroundings.

It is common knowledge that people have always been curious about far and exotic locations for centuries. Traveling is the only way to experience these different environments, cultures, cuisines and meeting new and interesting people. However, have you ever thought of the less obvious benefits of traveling?

There are many other great benefits to traveling, such as broadening your horizons, gaining independence, becoming more employable and receiving a new sense of perspective.

Today people are able to travel more frequently than they could a couple of decades ago. Millions all over the world travel to Southern Africa every year. However, one of the problems with traveling is that it can be costly.

What if I told you, you could travel at discount and receive cash back in your pocket? Somewhere in the back of your mind youre probably thinking: That sounds too good to be true Well its not.

Kashback Take your dream holiday and save!
Have you ever heard of the revolutionary company called Kashback? This is a groundbreaking local reward program for frequent travelers that seek to reward its members for their loyalty to the network of Chakela Hotels.

Kashback believes that the customer is king. This is demonstrated by the belief by offering every Kashback member discounts on ongoing accommodation at any one of the hotels within the network of Chakela Hotels, as well as a cash reward within a month of every stay.

Imagine, diving and snorkeling in the crystal clear water of Blue Bay Mauritius, or enjoying a tour of Victoria Falls – the largest curtain of water in the world. Can you see the traveling opportunities that await you?

Whether its Pemba Beach, Mozambique or Table Mountain, Cape Town, Kashback has over 60 hotels located in seven countries around the world. Thinking of getting away from the hustle and bustle, with Kashback you can afford to take the vacation youve always dreamed about.

Rimowa Luggage Making Traveling A Breeze!

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When packing for a travel abroad, the first thing that comes to any travelers mind is-Is the luggage lightweight enough? Most avid travelers love to backpack around the world and they would essentially require very lightweight luggage. This makes the trip a breeze through and very enjoyable. Durability and robustness also score several brownie points for the tourist.

This is where Rimowa luggage comes into play. In the market since the early 1950s, this luggage maker has proved to be a favorite with all the kinds of travelers. The most important and likeable characteristic of Rimowa luggage is the fact that it is extremely lightweight, but has a huge area for storing everything.

Now a days most of the people traveling by flight have to be accosted by the heavy airline fee. It is severely harassing when the airline authorities charge an obscene amount of money for a few extra pounds. It is a very taxing routine and most of the travelers whether at the beginning or the end of their journey want to steer clear of it. Rimowa luggage makers have come up with interesting innovations that make the luggage incredibly lightweight and also look stylish and chic.

Rimowa luggage is famous for its aluminum finish bags and baggage. These provide a sturdy storage for all kinds of important documents as well as for other travel requirements. They have a wide assortment of luggage styles to choose from. The Salsa collection is made up of 100 percent polycarbonate which is one of the toughest and quite elastic materials known to men.

When given a lot of pressure, the luggage made of this material becomes distorted. However, once the pressure is released it returns to its original position. This makes it very popular among travelers visiting rough terrains.

Rimowa luggage makers are also fairly renowned for their infallible security system and locking. Most of them come with keys that are almost impossible to imitate. They are also available in a wide variety of locking systems like the TSA lock or the combination locks.

Another very important factor about this particular luggage store is that they are very pocket friendly and affordable. They can be afforded by almost everyone and hence are preferred over other companies.

A very vital characteristic of Rimowa luggage is its portability. These are fitted with 360 degree turning wheels which are manufactured with ball bearing wheels. These have a smooth trajectory and are virtually indestructible. They can also be run on any kind of terrain. This makes Rimowa luggage more desirable.

How Driver Services Help In Better Travelling

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The transportation services are very important in every country, like every other country even Rome offers best car rental services. You can enjoy the experience of travelling from one location to another with total luxury and privacy as these Location de voiture Rome services offers great cars with good drivers. Driver services are offered as option, you can select as per you need otherwise only cars are also provided for travelling purpose. For new comers in Rome, these driver services are best as they help in going to different areas in much easier way. There is no fear of getting lost as these drivers know all the routes and directions.

Before hiring these car services, it is important to consider certain things in mind like proper and thorough research should b done regarding the agency. You should check that from how long the car agency is in this field of providing cars to the public, this helps in getting better perception of the service offered. Even you should check the track record of the driver; he should be punctual, well mannered and experienced so a safe journey can be assured. Last but not the least thing to consider is the budget; you should select the car which is in your budget and can be afforded easily. This is very important to maintain the budget so that the whole trip can be enjoyed to the fullest.

With the driver services you can sit back in the car and can enjoy a journey from your doorstep to the desired location. They can be hired for any purpose like official or personal, you can go for shopping, dining, attending any meeting, function, etc. the driver take care of the vehicle as well as of your things. Most of them are local pope so they know all the routes and directions; they can also help in exploring new areas during the sightseeing. Other than roads, they know everything about the parking areas and the traffic systems so you can just relax without any worries and can enjoy the journey to the fullest.

There are so many benefits of taking the driver services as they help in providing a stress free travelling, you can enjoy your trip with your friends and family. You can spend good quality time and can enjoy the views while reaching to desired locations safely. Some of the cars are also equipped with modern technologies like GPS, teleconferencing and wireless Internet, so you can do all your important work during the travel and can utilize the time in the best possible manner. People also like to hire them for going to high profile events as they look so stylish, you can also take them for same purpose and can create good impressions on others. The location de voiture Rome services offer elegant cars with driver services for making your travelling experience a pleasure with loads of luxurious amenities and facilities.

The Advantage Of Learning German

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Although German may not always be the first choice for people looking to learn a foreign language. But maybe it should be because there are more than 100 million people in 38 countries worldwide speaking the language at this moment. That’s a huge number of German speakers. Most of these speakers are in Germany, Austria and Switzerland, but there are also a significant number in the United States and South America. Here are the five main reasons why you should consider attending a German language school:

Learn German For Business and Work
Learning German can and will help entrepreneurs and business people looking to improve their prospects of doing business in German-speaking countries. This is because Germany is the third largest industrial nation in the world and a major exporter of goods, services and technology. Even though many Germans speak good English, some even better than many native English speakers, if you were to learn German, you will have the advantage of understanding what is said in its original context. Many German language schools offer specially tailored classes for the needs of business people. These include classes dealing with speaking on the telephone, negotiations, business culture and presentations.

And if you are planning to work, whether in Germany or maybe in the tourist industry in your country, it is also advisable to learn German as you will definitely encounter the millions of German-speaking tourists travelling the globe each year.

Learn German For Travel
Other than Germany, Austria and Switzerland, German is a second language for most Eastern Europe countries like Romania, the Czech Republic, Hungary, Russia and Kazakhstan. So, if you are planning to travel to these countries, it is definitely useful to learn German for communication. You may have seen many websites that offer free German language lessons to help travellers learn the basic phrases. However, for a more complete and in-depth understanding of the language, it is advisable to enrol in a German language school near you.

Learn About German Culture
Germany has a wonderfully rich cultural heritage. Many geniuses and great thinkers, such as Freud and Einstein, were German. Many of the most famous and respected classical composers were German. Germany has so much to offer, from towns with a centuries-old history to the wonders of advance modern technology. If you plan to study in Germany, it will serve you to get an inside view of many aspects of German culture.

Where Should You Learn German?
The best option to learn the language, other than travelling to Germany, is to study at a German language school near you. This way, you will learn the language by immersion, hearing good German spoken throughout your lessons. This is the best way to learn German quickly and efficiently.