BY Subham ShahOct 25, 2022

Credit card is a convenient way of banking. It has made banking easy over the course of years. They can also save you money if you know how to use them effectively.  Credit cards will allow you to have funds to pay for goods and services. If you have ever used a credit card, you would know that you can buy things without spending any of your money initially. Are you thinking about debt compilation on credit cards? You can strategize to enjoy luxury on a budget. However, credit card holders are expected to repay the borrowed money and a little additional interest later. Types Of Credit Cards There are some major types of credit cards which also include Visa, Mastercard, and other types of Discover, along with American Express.  They are issued by different banks, credit unions, and other financial institutions to attract customers by providing them incentives such as hotel room bookings, gift cards, discounts, airline miles, and cash back on purchases. Credit cards will reward their users for ensuring customer loyalty. Some stores even offer credit cards so that customers can purchase from retailers. They will provide customers with promotional notices, special sales, discounts, and other perks.  Some credit card users will be allowed a separate cash line of credit (LOC) so that they can borrow cash money in advance using a credit card. However, cash advances have some disadvantages, including higher interest rates and no grace period. How Can Credit Cards Save You Money On Travel Holidays? Credit cards are a good way to spend money on holidays.  Here are the ways you can use credit cards to save money. You can click here to get details about credit card spending. Transfer Balances If you are using a credit card with a humongous balance and a higher interest rate. Then you can transfer that amount to a credit card with lower interest rates. This 0% APR balance transfer will offer you some time to ease up your payment with accumulating interest.  According to data, if you move a $3,000 balance at 17% to a credit card with a 0% APR, you will save upto $400. After that, if you pay on a monthly basis, you will end up gaining money in the process. Credit Card & Rewards If you are accustomed to paying with credit cards on holidays. Then you should use a reward credit card to save yourself some money. If you are using a reward credit card during holiday seasons, you can earn rewards, points, miles, and cash back rewards for your every payment.  The more you use these reward cards to purchase, the more you will earn points and save money. Some reward cards even allow cash back on eligible purchases. You can redeem those points to travel or to buy more merchandise.  However, reward cards will have annual fees that you have to pay at the year-end. So, you can manage your finances according to your needs by comparing the values of the yearly rewards and the annual payment fee. Some reward cards will not offer you a grace period. A grace period is considered the time between the last billing cycle and the date of due payment. During this time, the credit card issuer might not charge you any interest since you are supposed to pay your balance on the expected day. Interest Rates You can use a card with a 0% introductory rate, where you won’t be charged interest on purchases for a certain time period. You can pay off your credit card balances before the due date to avoid interest rates.  In introductory offers, you are expected to make payments on time. If you make late payments, your introductory officer can revoke the offer. They can impose interest rates on the remaining balances. So, pay even a minimal amount before the due time.   If you want to avoid paying any extra charges during your 0% promotional introductory offer, then you should calculate each amount you have to pay on a monthly basis. So that you can reach a 0 balance when the introductory offer ends. You can Avail Balance Transfer Offer Balance transfer offers are similar to that promotional interest rates, but instead of making any purchase, you are expected to pay your already existing credit card debt.  A balance transfer card will let you move your remaining balance from one credit card to another one. However, the amount of balance you can move depends on the transfer limit.  Some credit card companies will charge minimal fees to complete the transfer. The fees range from 3-5% of the transferred amount. If you are managing finances on a holiday evening, you should calculate the amount you need to transfer. Track Every Purchase You should be tracking your every purchase. No, you don’t have to write down your every purchase but tracking is an easier option with credit cards.  You can simply log into your online account using a credit card and review the statement. If you are aware of your spending data, then it can be easier to calculate the amount you have to repay in the end.  You can check your account statement and categorize your expenses to build a budget that suits you. You Can Earn Free Travel For Your Holidays Too! When it comes to travel, it is very important to manage finances. However, spending a lot of cash on the way to travel can get stressful.  However, the reward credit cards will allow you to have a smooth ending in the holiday season. You can earn miles or points you can redeem for a free flight and hotel stay.  These free flights can also be used for annual vacations and travel. You can even avail of car rental agencies if you are not too keen on flying.  A credit card can be a fitting approach for arranging that holiday travel you’ve been planning for a long time. There are also cashback benefits that can save you a lot of money. And you can also benefit from repaying your credits till your grace period lasts.  Read Also: Vrbo.com - Best Review By Users In 2022 Hotwire.Com - Best Review By Users In 2022 Where To Stay In Key West? | Tour And Travel Guide [2022]

BY Nabamita SinhaOct 19, 2022

Known as a “Barren Beauty,” Ladakh has one of the, if not the most beautiful landscapes in India. Here in Ladakh, you will find one of a kind landscapes that are breathtaking and definitely one of a kind. With beautiful Buddhist cultural festivals, activities, and monasteries, Ladakh has the highest mountain passes in the country. But being situated at such great heights, Ladakh has some travel restrictions in certain months, so which is the best time to visit Ladakh? Keep on scrolling through all the details about the best time to visit Ladakh. Welcome To Ladakh! Ladakh is a union territory of India located in the state of Jammu & Kashmir, in the extreme northern parts of India. Ladakh is known as a cold desert, the only one in India. There also located the highest saltwater lake in the World, the Pangong Lake. Ladakh is popular among tourists as it provides the best road trip opportunities in India. Experiencing a cross-country road trip to Ladakh is something of a dream for most travel enthusiasts. Best Time To Visit Ladakh Ladakh is a bucket-list-worthy place for most adventurers, but being such a dreamy place, you should know which is the best time to visit Ladakh. Being located at such great heights, it is not possible to travel there whenever you want to. April - JuneJuly - SeptemberOctober - March21c to -1c25c to 5c14c to -11c 1. April - June For most adventurers who want to explore the place, and see the raw landscape of the place, the best time to visit Ladakh would be during the summer. Although it’s the summer months, don’t expect the weather to be warm and sunny. It is rather cold, even during the winter months, as well. You will be able to see the snow melting under the bright sun. But you will be getting a crystal clear blue sky, amazing views, wild blooming flora, and clear fauna. These are the things why Ladakh from the months of April and June is the ideal time to travel. 2. July - September From July, the monsoon season begins in Ladakh. With irregular heavy rainfall, you can really enjoy the rain in Ladakh if you are into it. Although there are a lot of ways you can enjoy Ladakh during the monsoon season, a few of the most exciting activities there are bike tours and trekking routes. It is mostly closed or blocked due to the occasional snow slides, landslides, and even cloud bursts. There are few areas that fall under the rain shadow area and hence receive more rain, and it is very difficult to reach there. These particular areas are Leh on the Manali side, Baralacha La Pass, Leh from Srinagar, and also Zoji La Pass. 3. October - March From October to March is considered yet another best time to visit Leh Ladakh. It is the perfect weather for road trips without the fear of any rain or landslides. But make sure that the atmosphere is quite chilly, so be ready to feel the cold and chill in your bones. So be sure to pack enough warm clothes to help you actually enjoy the adventure. The beauty of Ladakh during these months is something different. The snow-covered landscape with frozen lakes and a beautiful clear sky. You will have to witness it to actually experience it. Different Climates In Ladakh If you are planning to visit Ladakh, you can choose the season you want to experience. The summer, monsoon, and winter moths are quite distinct here in Ladakh. So depending on your preference, you can easily choose the best time to visit Ladakh for you.  1. Summer In Ladakh The summertime in Ladakh is when it generates the most number of tourists. There is hardly any snow now, or it is melting away for the season. And during the summertime, you can enjoy a lot of outdoor activities such as biking, trekking, camping, mountain climbing, and many more. During summer, there are quite a lot of activities you can do in Ladakh, and they are, going for a camel safari on the double humped camels called Bactrian camels. You can even witness the summer festivals that take place here in the monasteries. There are a number of festivals that take place during the summer, and they are Saka Dawa Sindhu Darshan, Yuru Kabygyat, Phyang Tsedup, Hemis Festival, and also Matho Nagrang. There are many adventure sports that you can enjoy during the summertime, which are mountain biking on the Zanskar &Karakoram ranges, Jeep safari on the Zanskar valley, and even River rafting in the Zanskar stream. 2. Monsoon In Ladakh Even though it rains irregularly during the monsoon season in Ladakh, that doesn’t mean you can’t enjoy that experience. Although the monsoon season may not be the best time to visit Ladakh by bike or in general, it still can be very picturesque. Some of the exciting activities that you can take part in Ladakh during the monsoon season are adventure sports like white water rafting. You should also you should experience the monsoon festivals here like Phyang, Dakthok, Karsh Gustot, Karzok, and Sani Nasjal. Other than these festivals and sports, you can really enjoy a hot bowl of Thukpa, steamed momos, and a delicious cup of butter tea when you are sitting in a warm room, and it is raining outside. It doesn’t get better than that. 3. Winter In Ladakh The winter months in Leh Ladakh best time to visit for its picturesque scenic beauty and the pleasant chill and snow-covered valleys. Even though the cold weather may not be for everyone, there are a lot of activities that you can do here during the winter months. Some of these activities are like taking part in winter treks for experienced trekkers, even campings are available during the winter months. Similarly to the summer and monsoon festivals, there are many winter festivals too that is a unique experience to witness. A few of these festivals are such as Spituk Gustor, Dosmoche, Stok MOnastery festivals, Ladakhi Losar, and even Thiksay Gustor. And as a matter of fact, the winter months are the best to witness the wildlife here in Ladakh. Animals like snow leopards, mountain wolves, magpies, blue sheep, and even wild hares are a few of the animals you can witness. Frequently Asked Questions (FAQs): If you have any more doubts about the best time to visit Ladakh, then here are a few queries that others have had. 1. Which Month Is Snowfall In Ladakh? The peak snowfall season in Ladakh is from the months of October to February. During these months, the entire valley is covered in a thick blanket of snow. 2. In Which Month Is Leh Closed? Usually, in November, the Manali-Leh highway stays closed due to heavy snowfall and road blockage. No vehicles are allowed to pass. The highway again opens up in April. 3. Is There Snow In Ladakh In April? There are a lot of benefits of visiting Ladakh in April; since there won’t be many visitors, you can easily get great deals on hotels and homestays. And in April, you can easily witness a lot of snow. Visit Now! Ladakh is a destination you should travel to at once in your lifetime, it is an experience that you will always remember. The landscape, the mountains, the valley, the beautiful traditions of the Buddhist culture, and everything in totality makes Ladakh a worthwhile place to visit. If you find this article helpful, then let us know in the comment section when you are planning to book a trip to Ladakh. Read Also: Which Is The Best Time To Visit Mussoorie? Which Is The Best Time To Visit Sikkim? Top 7 Best Places To Visit In Darjeeling

BY Abdul Aziz MondalMar 1, 2023

Road trips are a great way to spend time with family and friends, but they can also be dangerous if you don't take precautions. Every year, more than 1.3 million people die in road car accidents worldwide, and 3,700 people lose their lives every single day on the road. These accidents also cause injuries that lead to lifelong disabilities and devastating emotional trauma for survivors. But it doesn't have to be this way. You can stay safe on your next road trip by following these six tips. 6 Important Tips About Stay Safe While On A Road Trip Prepare Your Vehicle   Before setting off, it's crucial to make sure your car is ready for your road adventure. Here’s what to do: Check Tire Pressure – Proper tire pressure is essential for optimal handling, fuel efficiency, and tire life. You can measure it using a tire pressure gauge. Just make sure the tires are cool (not hot from driving) when taking a reading. Purchase Comprehensive Car Coverage – Buying comprehensive car coverage from a provider like ROLLiN' Insurance can keep you protected in case of car damage due to theft, natural disasters, or animal accidents as you cruise along your road trip. Pump Low Tires – Inflate your tires to the recommended pressure listed on the tire sidewall. You can also consult your car manual for this. Look at the Tire Tread – If the tread is uneven or low, it could lead to decreased traction, higher chances of blowouts, and extended braking times. Measure Fluid Levels – Check oil, coolant/antifreeze, and windshield wiper fluid (if applicable) levels. You should also keep an eye on the levels of transmission and brake fluids. Keep an Emergency Kit – According to the NSC, you should always keep a jumper cable, flashlights, batteries, compass, wheel wrench and tripod jack, first-aid kit, duct tape, and a properly inflated spare tire on hand. Plan Your Route Planning your route ahead of time can make all the difference in having a safe and successful trip. Here are some things to keep in mind: Research your route ahead of time and plan for potential hazards or delays. You should always have a map or GPS with you. Take into account the weather when planning your trip. Check for snowfalls, hurricanes, tornadoes, heavy rainfall, and other weather events. Check road conditions before leaving. If there’s snow or ice on the road, it's best to wait until conditions improve before traveling to avoid getting stuck in a dangerous situation. Practice Safe Driving Habits Driving is a privilege, and it's up to you to ensure you're driving safely. Your first responsibility in this regard is to obey traffic laws and drive safely. Keep in mind that speed limits vary from state to state. However, the average speed limit on freeways is 55 mph, which has been increased to 65 mph on rural interstate highways. But having the leave to do something doesn’t mean you should do it. So, don’t overspend, tailgate, or cut people off — just be a good (and safe) driver. Moreover, it's a wise move to equip your vehicle with the essentials. This can include the addition of trauma kits and other emergency supplies such as a basic first aid kit. This safety measure ensures that you're well-prepared in the event of an accident on the road. Be Aware of Your Surroundings If you're driving at night, make sure you have your headlights on to see clearly. Also, keep an eye out for local regulations and laws while passing through each new area. You don't want any surprises when it’s time for border crossings or other checkpoints! Plus, stay alert for suspicious activity or potential dangers along your route — this is especially important if you’re traveling alone. Remember: it's always better to be safe than sorry when it comes to protecting yourself from harm while traveling. Protect Your Valuables The last thing you want is to have your belongings stolen or lost while you're far away from home. Here are three tips to help you protect your valuables on the road: Keep your valuables, such as wallets, phones, and cameras, out of sight in the car. Avoid leaving them on the seats or dashboards where they are visible from the outside. Always lock your car doors when you're not in the vehicle, even if you're running a quick errand. When parking your car, try to choose a spot that's visible and well-trafficked. This can make it less likely that someone will try to break into your car or steal it. Stay Connected While you're driving, it's essential to keep in touch with friends and family back home. So carry a charger or a portable battery pack. It will keep you connected even if your phone's battery runs low. Plus, consider using a location-sharing app that allows your loved ones to track your location in real time if you’re exploring a new area. And don’t forget to keep a list of emergency phone numbers with you, including the local police, fire department, hospital, and any other emergency services in the area. Final Words As you set out on your next road trip adventure, it's important to keep safety in mind. By following these simple but effective tips, you can enjoy a safe and stress-free road trip. So buckle up, pack your bags, and hit the road for your next adventure with confidence and peace of mind. Read Also: The Easy Way to Travel in India 10 Useful Tips For Planning A Trip That You Will Love Why Engage Competent Tourism Companies For Executing Best Leisure Time