“International Living” magazine has called Ecuador “The World’s Best retirement haven.” The magazine notes its “perfect” climate, friendly atmosphere, low cost-of-living and beautiful landscape. However, before you pack up your belongings and travel around 3,000 miles away, it’s wise to learn as much as you can about your new home.
1. You’ll need some Spanish. While many people speak English in the larger cities, Spanish is the official language in Ecuador. To best enjoy your life there, you’ll need to spend the time, energy and money to become at least conversational in Spanish.
2. There are no true seasons in Ecuador. This can be good or bad news, depending on your point of view. Ecuador sits directly on the equator and, thus, has the same amount of sunlight year-round. Since most cities are located in the highlands, the temperatures are more moderate than you find in many other equatorial countries. This is helpful in keeping heating and cooling bills low. However, if you crave snowy winters and long, summer days, this probably isn’t the right destination for you.
3. It’s expensive to travel back to the states. It takes a lot of time and money to travel back to the United States from Ecuador. Airfares from Quito to New York City start at around $625 for connecting flights and at around $1,000 for a non-stop flight. The trip takes around six hours non-stop (much longer if you change planes.)
4. You can live well for much less money in Ecuador. According “NBC News,” it’s possible to live well on $2,000 per month or even less in Ecuador. Rents, health care, utilities and meals cost much less in that country than they do in most parts of the United States. According to “NBC,” you can find a three-course lunch for $2.50 and a glass of local beer is just 85 cents.
5. You don’t have to worry about currency conversions. Ecuador uses the U.S. dollar as its official currency, so you won’t have to get use to a new form of currency and value, nor will you have the expense of converting your money to another currency.
While retiring to Ecuador may not be the right choice for everyone, relocating to this South American country can help your retirement income go further and expose you to a new and diverse culture. It’s just important to do your homework before you set off to parts unknown. Now that you know a little more, go ahead and continue to search for those beautiful ecuador homes for sale!Read More
Are you looking to get the most out of the budget that was set for your vacation? The key to getting the most out of your money is to be picky about where you lodge and the amenities that are available. Learn how to vacation the smart way so you won’t end up in a financial bind from going over your budget.
What Kind of Hotel Room Should Be Purchased When on a Budget?
If you will be staying in your vacation destination for a while, you will want a room that is priced based on the length of stay. For instance, there are hotels that are specifically designed for extended stay guests that will give a discount if you stay for a week. Sometimes you will only need to be there a few days before the discounted rate kicks in. The best thing about extended stay hotels is that many of them are equipped with full kitchens that will allow you to cook instead of wasting money at restaurants.
If you don’t want to stay at an extended stay hotel, you may want to opt for one that can do a price match. Basically, if you find a hotel that is cheaper and at the same star level, the hotel of your choice may be willing to beat or match the price to gain your business. Getting the room online is also a great way to get a good deal if it is done through a booking website. You may even get a discount if the room is booked in advance, but it is at the discretion of the hotel.
What are the Best Amenities to Seek After When Vacationing on a Budget?
If you are not staying at a hotel that has a kitchen in the room, make sure one of the amenities offered is a full complimentary breakfast. You must make sure you will be getting a full complimentary breakfast if you want food items like eggs, waffles, biscuits and whatever else the hotel is serving. If the breakfast is not full, you may only be served items like pastries and juice.
You can also save money on recreation if you make sure there is a swimming pool at the hotel. Purchase some floating devices and fun pool games to make the water more entertaining. Start planning your vacation the smart way so you can get the most out of your budget!Read More
Whether you are nearing retirement age or thinking about the future, retirement planning is something everyone should do. It helps you get ready for the days when you are no longer working by helping to start the right savings account and providing enough income to pay for a senior living community if that is what you decide on. Here are some tips for starting your retirement plan.
Create Financial Goals
One of the first things you will do in order to start your retirement plan is to start saving money, but without a goal, it can be hard to know how much to save. Before you start transferring money into your savings account, set some financial goals. You should have short-term goals and long-term goals for saving purposes. A short-term goal might be to have enough money for a life insurance policy, while long-term goals often include the amount of money you think you will need to have a pleasant retirement. Once you create your financial goals, figure out how much you need to put away each month to meet these goals.
Plan for Future Living Arrangements
You will also need to plan for your future living arrangements, not just daily expenses. For example, there may come a time when you need to move out of your current home and live in a senior retirement community. Now is a good time to start researching these communities in your area and ask about their rent. It is never too early to start finding out what your alternatives might be. Check out independent living and senior homes, as you never know what your needs will be.
Find Out if You Have Pension
If you are still employed, do you know if your employer has a pension plan? This could keep you from retiring too soon and help you to better plan your finances for the future. Some pension plans require you to work a certain number of years before you qualify. If you want to retire when you are 55 but the pension won’t go in effect until you are 58, that is a good reason to hang in there for a little longer. You can also find out what the pension plan is and approximately how much you will get when you retire.
Take Advantage of Employer Retirement Plans
You also want to take full advantage of retirement plans offered by your employer. To begin with, start transferring a certain amount of your income into their 401k plan. This can be a very small percentage and will give you money to live on when you retire. Another thing to look into is whether or not your employer has a matching rule. This means they will match whatever you choose to put into the 401k plan. If you transfer 2% of your income, and they match it, then you have twice as much in that savings account.Read More
When you’re planning a family vacation with a limited budget, you need to prioritize how your spend your money by determining what aspects of your vacation are most important to your family. Fortunately, prioritizing your vacation funds doesn’t have to be difficult. Just make sure you take these three things into consideration while making your plans.
Should You Choose a Hotel or a Resort?
Most people automatically look for cheap hotel rooms when they are trying to plan a vacation on a limited budget. However, depending on your family’s needs and your destination, it might be cheaper overall to stay at a resort. Keep in mind, resort rooms are going to cost more than a cheap hotel room, but resorts have plenty of on-site activities that your family can enjoy, and added amenities and sometimes meal costs. So, you’ll save money on entertainment. Also, if you find a resort with plenty of activities, you might not need to venture off site at all. This means, you don’t need to spend money on a rental vehicle.
Should You Fly or Drive to Your Destination?
In most cases, it’s cheaper to drive to your destination than it is to fly. Not only does the cost of plane tickets add up quickly, but unless you’re planning a resort vacation, you’ll need to rent a car once you arrive at your destination. However, this doesn’t mean that you shouldn’t consider flying at all. You should always check the price of plane tickets before you decide you want to drive. Then, compare the price of the plane tickets, and rental car if needed, to the cost of the gas you’ll use if you drive and the cost of any pre-trip car maintenance to determine which option is cheaper for your family.
Planning Your Itinerary
When you’re planning a family vacation on a tight budget, you should plan your trip itinerary before you go because you’re more likely to overspend if you’re winging it. If you’re planning a resort vacation or a cruise, consider choosing an all-inclusive option so that your food and entertainment is included in your upfront trip cost. If you aren’t planning to take a cruise or visit a resort, take some of these things into consideration:
- Are there any free attractions in the area?
- How easy is it to take packed lunches with you to nearby attractions?
- How much spending money will you need for each day?
- Are there any specific attractions nearby that members of your family want to visit?
Planning a vacation for your family on a limited budget takes some work. However, by planning every aspect of your trip and prioritizing your vacation funds, you can plan a vacation that your whole family will enjoy without breaking the bank. You can get more answers about your trip planning by contacting a company like The Breakers Hotel.Read More
Frequent travel can make it difficult to stay as fit as possible. If you travel a lot for work, there are a few things you can do to stay healthy and strong during your travels. The following guide helps you learn how to make the most of your hotel, even when there is no gym or kitchenette available for you to use.
Take the Stairs Every Time
All hotels that have numerous floors have stairs in them for people to use if a fire or other emergency occurs. When you go to book your room, ask for the highest floor available. Every time you go to and from your room, use the stairs to get a cardiovascular workout in each day.
Make the Most of the Breakfast Bar
Many hotels offer a free breakfast bar for hotel guests to enjoy each morning. Be sure that you take the time to make smart choices when choosing between the selections that are available. Choosing fruit, yogurt, or oatmeal is always a better option than the fattening muffins, waffles, and sugary cereals the bar may have to offer.
Watch the Right Programing
When you are in the hotel, make the most of the viewing options that are available to you. Many hotels now have hundreds of channels from which you can choose. Find some exercise programs that you can watch and do while you are in the room. There are many programs that allow you to use your body weight to get toned. Since programing is different in different areas of the country, you may be able to try different workout programs in each area where you are staying.
Get Plenty of Rest
When you are staying in the hotels, it can be tempting to stay up and watch television shows, visit with coworkers, or hang out in the hotel bar, but you should not do this on a regular basis. Your body needs sleep and resting each night ensures that it has time to recover from the stresses of the day. If you feel that you must go out and enjoy a night on the town, try to limit it to one or two nights a week.
Avoid the Minibar at all Costs
The minibar has alcohol in it that will not help with maintaining a healthy weight. Many of the liquors and mixers that are found in the minibar are very sugary and can cause you to actually gain weight. If you feel that you must have a nightcap, consider having a glass of red wine. It is lower in calories than most liquors and has been shown to be beneficial to your heart.
Following these simple tips will help you be able to stay fit, even when you are on the road. There is no need to give up your health simply because you have to travel frequently. Taking it easy every now and then is okay, but constantly neglecting your body physically and nutritionally just because you are traveling will lead to health issues eventually. For more tips about making the most of a hotel stay, contact a company like Cow Palace Inn.Read More
If you are looking for a conference room rental for your company’s upcoming event, you could be feeling a bit overwhelmed by your choices. Many hotels, colleges, event venues and more all offer conference rooms for business purposes, but many people find that renting one at a hotel is the best option.
These are a few reasons why you may want to start your search by calling area hotels to find out more about their conference room options:
1. You Can Secure Great Room Rates
One excellent reason to consider hosting your conference or other business event at a hotel is the fact that you can generally save on room rates. Most hotels will offer great deals on room rates if you block off multiple rooms and host your event at the hotel itself. If you have out-of-town business partners or clients coming, this can be a good way to provide them with amenities at a reasonable cost.
2. It’s Convenient
Hotels are generally very convenient for conferences for a few reasons. First of all, for busy professionals who are going to be staying at the hotel, it can be helpful to simply be able to travel within the hotel to get to the event. Plus, hotels are often located very conveniently near airports and major highways and interstates, so it’s a great way to cut down on travel times.
3. Food and Beverages Can Generally Be Offered Affordably
Many hotels have no problem providing coffee, tea, sodas, water and other basic drinks. Plus, your hotel might even offer a continental breakfast or other free option for guests who are staying at the hotel and attending your conference. Most hotels also have restaurants or catering options, so you can provide breakfast, lunch or dinner for your guests before, during or after the event. This can be much more affordable than paying separately for catering since the hotel will probably offer you a reduced rate and a package deal for opting in to multiple services.
4. Provide a Comfortable and Attractive Atmosphere
When compared to the conference facilities at conference centers and colleges, those at hotels are often seen as more comfortable and attractive. If you want to impress your business partners or clients, hosting your event at a nice hotel can be a great way to start.
As you can see, hotel conference rooms can be the perfect solutions for many business events. If you are looking for the perfect place to host your upcoming business conference or other event, consider checking into area hotel options first. To learn more, contact a company like Clarion Hotel – Seattle International Airport with any questions you have.Read More