OMG! THIS Is The FintechZoom Best Travel Credit Card 2024| Travel Finance Guide

BY  Shahnawaz Mar 1, 2024

In today's world, where wanderlust meets savvy investment strategies, there's a growing trend among travelers and investors alike: vacation properties. This unique approach not only satisfies the urge to explore new destinations but also presents a prudent financial investment through the acquisition of real estate. Here's how blending the love for travel with the intricacies of mortgages can create a rewarding venture. Why Consider Vacation Properties? Vacation properties serve dual purposes; they are a getaway retreat for you and your family and a potential source of income through rental. In picturesque locales, from the sandy beaches of Bali to the quaint villages of Tuscany, these properties beckon with the promise of adventure and the allure of financial returns. Investing in a vacation property has a lot of benefits. The first thing is, as mentioned above, it is an amazing source of passive income. When you rent out the property, you get back substantial returns, especially during the peak seasons. Moreover, vacation rentals have higher rental rates as compared to long-term rentals, which gives you more revenue. Along with the financial benefits, when you own a vacation rental property, you get to spend a lot of time enjoying your personal vacations as well. You can spend a lot of time on your own property when the place is vacant. You get to enjoy all the amenities you have set for others.it is a perfect relationship between investment and vacation home. Understanding the Mortgage Process for Vacation Homes Investing in a vacation property often involves navigating the mortgage landscape, which can be daunting for both seasoned investors and first-time buyers. The process entails several unique considerations: Interest Rates and Terms: Mortgage loans for vacation homes may come with different interest rates and terms compared to primary residences. Lenders often view these properties as higher risk, which can influence the loan conditions. Down Payment Requirements: Typically, vacation homes require a larger down payment, sometimes as much as 20-30% of the purchase price, reflecting their status as luxury or non-essential purchases. Rental Income Consideration: If you plan to rent out your vacation home, lenders might take potential rental income into account, which can aid in qualifying for a mortgage. However, this requires thorough documentation and, sometimes, previous landlord experience. The Joy of Travel and the Wisdom of Investment Owning a vacation property allows you to immerse yourself in your favorite destinations. Whether it's a ski lodge in the Rockies or a beachfront villa in the Caribbean, these homes offer a personal escape with the warmth and comfort of your own space. Beyond personal enjoyment, these properties can be rented out to vacationers, providing a steady income stream that can offset mortgage payments and maintenance costs. Navigating Challenges and Rewards The journey of buying and owning a vacation property is not without its challenges. From managing the property remotely to understanding local real estate laws, it requires diligence and research. Yet, the rewards can be substantial. Not only do you enjoy personal retreats in beloved locales, but you also stand to gain from property appreciation and rental income. A Call to Adventure and Investment As we navigate our world, the concept of investing in vacation properties presents a compelling blend of adventure and financial prudence. It embodies a spirit of exploration, not just in the sense of travel but in the realm of financial growth and stability. For those bitten by the travel bug and those seeking to expand their investment portfolio, vacation homes offer a horizon worth exploring. Factors you should consider while choosing the location of the property Picking the correct location for your vacation rental property is essential. Here are some of the crucial factors that you should consider: Factors you should consider while choosing the location of the property Picking the correct location for your vacation rental property is important. Here are some of the important factors that you should consider: Local attractions and tourism demand How successful your vacation rental property is going to be depends on the demand of the place. Before you invest, check for the popularity of the place among travelers. Identify the local attractions that are drawing the visitors to itself. Consider the things that are making the place popular. Whether it is their cultural heritage, its natural beauty, or how close the place is to the popular destinations. Properties that are close to tourist spots or close to vacation destinations have a tendency to attract more renters. You can choose coastal destinations, urban hotspots, ski resorts, historical and cultural sites, and some emerging destinations. Along with the well-established vacation sports, the emerging destinations are a good investment.  Look for places that are rapidly developing; they have high potential for getting you a high rental return. Rental and seasonality demand Having a good understanding of the tourist season in the place is important. Research about the holidays, special events, and the peak tourist seasons that will take the rental demand to the next level. If the location is such, which has a year-round demand, it is going to get you a consistent source of income. But if the property is in a seasonal location, then you might get fluctuations in the rental bookings. Regulatory environment Before you get a vacation rental property, it is important to know the regulatory environment of the location. Some countries and cities have specific rules and regulations regarding short-term rentals. Get yourself familiar with the restrictions and local laws to make sure you abide by all the regulations. Try not to ignore the legal aspects, as that could land you with a penalty or even cause your rental business to close. Amenities and infrastructure Think about the accessibility and proximity of the essential infrastructure as well as the amenities. Choose an area that has good transportation links, restaurants, shopping centers, and entertainment options. Guests always prefer properties that are convenient and have easy access to the services and local attractions.  Final Thoughts Before embarking on this journey, it's crucial to conduct thorough research, consult with real estate and financial professionals, and consider all aspects of the investment, including the potential need for a mortgage. With the right preparation and mindset, owning a vacation property can be an enriching experience that combines the joys of travel with the benefits of real estate investment. ADDITIONAL READING: A Guide To Planning Your First Family Ski Trip The Ultimate Business Traveler’s Guide To Bangkok From Britain To Australia: A Guide For Brits Making The Move Down Under

BY  Ankita Jun 12, 2024

My dear fellow adventurers! Are you looking to start the next thrilling journey? Well, grab your backpacks and hereafter get ready.  We have come up with some insider tips that will help you save your money and ease your packing experience.  We've gained extensive experience in efficient packing, which helps us find the best travel gear. Today, we will discuss the five essential tips to transform the way you pack successfully.  In addition, it will enable you to be fully prepared for your adventures. In this article, we will discuss some fantastic products that will make your travels even more enjoyable.  Tip 1: Invest In A Reliable Travel Bag Imagine you are dashing through the airport, aiming to catch your flight. Suddenly, disaster strikes.  The strap of your flimsy bag opens, resulting in scattering all your belongings on the pavement. What a nightmare! This is why you must invest in the most durable travel bags. This is an absolutely crucial development.  However, we understand what a travel bag means to you. The collection of sturdy and stylish chest bags is designed to combat the ravages of inclement weather. You need these sturdy friends, especially in relation to globetrotting. For example, you can take the Not My Type Techwear Backpack. These bags have a futuristic design with adjustable straps and a front zipper pocket, guaranteeing superior mobility and ample storage space.  Hence, whether you prefer convenience; the sleekness of a messenger bag, or versatility,  their range of features offers coverage safeguarding.  Trust us: a good-quality, sturdy travel bag can save you from the stress and inconvenience of inclement weather at any time during your journey.  Tip 2: Pack Smart And Light Next, we add the traveling light to the list. They are magical, to say the least. Not only can easily save a lot on your baggage fees. But simultaneously, you get the freedom to explore without feeling weighed down.  So, how can you pack smart and efficiently? Well, it's all about space-saving and minimizing wrinkles (stress).  Hence, instead of folding your clothes, roll them tightly. This space-saving technique can help bring down the creases and make unpacking a breeze. Need a pro tip?  Stuff your underwear and socks with travel essentials and optimize every inch of space efficiently.  To take your packing game to the next level, take a look at the fantastic range of packing cubes that are available on Techwear Official's website.  However, the clever organizers can help you make your life easier while traveling.  Besides, they help you keep your clothes compartmentalized with the utmost neatness. Thus, you can stay organized, and you can easily find your requirements during your journey. Tip 3: Stay Organized With Packing Cubes Let's face it: Opening the suitcase to search for a chaotic mess is every traveler's nightmare.  Moreover, you may feel it is like solving a puzzle while jet-lagged. That's where packing cubes can be most helpful.  Moreover, these ingenious small wonders are extremely effective. They help you stay organized on the road. However, packing cubes of different sizes effectively segregates your clothing items.  As a result, it will help you easily find your favourite shirt or pair of socks buried deep inside your travel bag.  Moreover, the Techwear Official offers you the most durability and style. The packing cubes with compartments and compression zippers can help maximize your space. Once you try them, you will feel their indispensability. Tip 4: Bring A Portable Charger In our digital age, staying connected while traveling is essential. Whether it's capturing breathtaking moments with your camera or navigating through unfamiliar streets with your smartphone, our devices need to stay powered up.  That's why a portable charger is a travel essential of a true game-changer. We suggest you pick ones that have a compact design, high power capacity, and fast-charging capabilities, so you'll never have to worry about running out of battery again.  Just imagine the relief of finding a charging point at the airport and realizing you don't have to fight over it with other desperate travelers.  However, having a portable charger stashed in your backpack will ensure that you never run out of power during your exciting adventures.  Tip 5: Save Money With A Travel Money Belt Now, let's talk about keeping your valuables safe. As much as we love exploring new destinations, it's essential to protect our passports, cash, and cards from pickpockets or accidental loss.  That's where the humble travel money belt comes into play—a discreet and reliable solution to keep your valuables secure.  If you already consider the cleverly designed belts, which come with hidden compartments to store your essentials safely without worrying about your valuables—trust me, you are already there! Who does not want an extra layer of security and freedom to explore with peace of mind? Tip To Consider While Buying Money saving Travel Products The discussion above was about some smart products that can save you money. Each has its own advantages.  However, in this section, we discuss some of the considerations when buying them. Of course, you can not buy these products just randomly. So, without further ado, let's get started with the discussion. First, Figure Out Where You Usually Spend Money Budgets will be a concern when managing the new destination. Hence, you have to be calculative right from the beginning when managing your economy.  Do not worry; you just have to be mindful of how much you want to spend on buying travel-related products.  Moreover, you have to be mindful when figuring out your priorities. Finally, to keep your finances in shape, you have to be honest with your spending habits during the trips.  Consider The Size And Space  Now that you are buying the aforementioned travel products to save money, you have to consider their worth. Remember, not all travel-related products may be worth it to you.  However, being portable, compact, and durable can help you save space, which is one of the big factors. Hence, considering the space and size of the products becomes one of the important elements attached to your travel outing. Consider The Price Vs. Value You must consider the price and value of the products before you make the purchase. It's always better to avoid the cheaper products, as they can easily save you money. However, in the long run, you may have to suffer worse situations during your travels, which will surely add salt to your wound.  Therefore, you should not compromise on buying high-quality products. Also, the value and utility of the product should be considered before selection. For example, if you purchase a digital translator, it's a great investment for anyone who travels internationally frequently.  Therefore, you have to be calculative when you buy these money-saving travel-related products. Your best decision on the purchase is the sole determiner on whether you can optimize the products. Simply triggered by the fear of missing out (FOMO) and buying them without consideration can not serve your purpose well.  Putting The Discussion To A Close Your travel experience must always be hassle-free and easy. One of the most important things is to consider the money you are spending. The products that we discussed are all effective, and they serve your purpose to the fullest. Hence, consider the above points and buy them for your safety and convenience. Additional Reading: Your Unique Travel Packing Guide Must Pack Business Travel Packing List Along With Tips 6 Expert Packing Tips That Will Make Your Trips More Fun

BY  Sibashree Sep 30, 2024

Even if you don’t believe it, Canada has many locations and abandoned sites with ghostly stories and a dark history.  Haunted places like the Fort Edmonton Park and Princess Theatre in Edmonton or the Disaster-struck Alberta Frank Slide are a few examples of how dark tourism in Canada offers a vivid experience.  Further, sites like Asbestos (now Val-des-Sources) show how mining asbestos has caused long-term health hazards to Canadian people and victims beyond borders. Also, there is Halifax, where an explosion took the lives of around 2000 people in 1917. So, let’s explore the sites that are scary and unusual.  THESE Are The Best Sites For Dark Tourism In Canada  In 2020, the small town of Asbestos changed its name to Val-des-Sources or the Valley of the Springs. However, the name change could not wipe off the history of diseases and suffering as it once had the largest asbestos mine in the world.  So, like the nuclear plantations that pushed numerous human lives to death, Asbestos in Canada was also a town of breathing poison. Today, it is one of the most prominent destinations for dark tourism in Canada.  Regarding dark tourism, Canada has many sites that tell the tale of human tragedy or are infamous for spooky experiences. Let me share brief accounts on these sites If you want to walk into the shadows.  Asbestos  Asbestos, a town in southern Quebec, once epitomized health-hazard horrors. Asbestos mining is not done here today, but breathing problems and other hazards caused by that “magic or miracle mineral” persist in the town.  The town had an open-pit mine for mining chrysotile asbestos, and it boomed for a century. However, in 2011, the mine stopped its operations.   Unfortunately, the use of asbestos became huge by the mid-20th century. It was a chosen material for roofing, insulation, and fireproofing. Slowly, it was discovered to cause many health hazards for people working in the industry or residing near an asbestos plant or mine.  Despite the drop in global demand and many other countries banning the use, import, and export of asbestos, Canada kept at it until 2018. Justin Trudeau, the Canadian Prime Minister, banned the use, sale, import, and export of asbestos in 2016, and the ban came into effect in 2018.  Nevertheless, today, the town of Asbestos, or Val-des-Sources, is a popular dark tourism site with an abandoned mine. The mine now looks like a gigantic playground. Halifax  In June 2016, the Canadian Government designated the Halifax explosion as a “national historic event.” Halifax was a busy port for the loading and unloading of food, aid, relief, and other essentials during World War I. On an unfortunate day, 6 December 1917, the French ship SS Mont-Blanc and SS Imo, a Norwegian ship, collided. Both were carrying explosives, and the collision caused a major explosion. Almost 2000 people died, and many were injured, registering it as the biggest manmade explosion before the atomic bomb disaster.  This human tragedy, however, was a milestone in changing the medical scenario of Halifax. The improvement in pediatric surgeries and the establishment of the Canadian National Institute for the Blind were the two most prominent examples in this regard. Today, the Fort Needham Memorial Park is a prominent site for dark tourism in Canada. The commemorative plaque there gives you a brief account of the incident. Also, the Halifax Explosion Memorial Bell Tower here has an annual memorial service for the explosion on 6th December. Edmonton: The Hub Of Dark Tourism In Canada  Edmonton has many destinations for paranormal encounters, and Fort Edmonton Park is one of them. At the paranormal tours here, you can explore many paranormal equipment and encounter many experts for some otherworldly experience. You can also visit the haunted buildings of Edmonton. The stories of these buildings will scare you to the bit. Also, you never know when an unknown entity gets close to you, and you can feel the breath.  Princess Theater: The Most Haunted Place In Edmonton Another important haunted landmark here is the Princess Theater. In the 1920s, the theater was about to have an additional rental space. A bride-to-be rented that space, but her fiance left her on their wedding day.  So, she committed suicide by hanging by the neck. When the staff of the hotel found her, her body was swinging from the rope.  She was wearing a beautiful wedding gown. Legends have it that her ghostly figure is still seen at the theater. She is seen climbing down the stairs, wandering the theater halls, and moving around the projection room.  Historic Mackay Avenue School Archives & Museum: Meet The Restless Spirit Moreover, when in Edmonton to experience haunted activities,  Historic Mackay Avenue School Archives & Museum should be your destination. Many people have experienced a sense of choking, being grabbed, or disturbed at this place. It is said that a construction worker called Peter fell from a third-floor window during renovation work in 1912. His restless spirit still lives here, and many informal investigations have captured strange silhouettes and erratic electromagnetic fields recorded here, which also vouch for paranormal activities here.  The Museum of Fear and Wonder https://www.instagram.com/p/CxsrNX5L7Al/?hl=en&img_index=1 It is unusual to find a rural museum of horror in the Southern Alberta rural valleys. It is eerie to the bone with Ouija boards and ventriloquist dummies.  The little jack o’lantern dollhouse, Kiddo, leather doll, and the haunted doll, Robertina, are the most prominent collectibles here. Also, the artificial human body parts and life-like human bodywork made of wax are the creepiest things you will come across.  All the collectibles in the museum are carefully placed to create a sense of fear. The aim is to show how people emotionally react to certain things. Also, Brendan, one of the founders of the museum, does not believe that things can be haunted or they can be related to paranormal activities.  According to him, things, at the most, can cause a sense of uneasiness. Thus, all the items in the museum provoke discussion about the psychological impacts of different objects on different people. For example, an adorable doll can be an object of fear or discomfort for a person who has suffered childhood trauma.  Even dolls or toys can get old and develop an eerie appearance through wear and tear. They can look messy or dirty, creating repulsive feelings. Thus, the Museum of Fear and Wonder is not about paranormal experiences or activities. It is a place to understand the human psychology behind fear and wonder.  Saskatchewan Ghost Towns – Insinger As India has Kuldhara, Canada has Saskatchewan, where time stands still, and the deserted town lives in the shadow of the past. Unbearable winter in the Prairie region made the residents desert the place. In the 1800s, many European people came to Canada and got free land to set up a working farm within a year. Thus, this prairie became a bustling residence of farmers and their families. Visiting Saskatchewan And Its Many Wonders In Saskatchewan, you will notice a Ukrainian Orthodox Church. The old church with a domed roof stands as a witness to the bygone era. Do you know that Saskatchewan has so many ghost towns (more than 30) that there is a “Ghost Town Trail” here? You can drive around the route to explore the towns individually. As you walk through the ghost towns of Saskatchewan, you will never feel alone. There is a constant feeling of someone following or walking with you. Even looking at the most dilapidated structure, you will feel like someone will come out of it any moment. I had plans to get inside some of the structures. However, a knotty feeling in my stomach stopped me. As hours passed, I started feeling anxious and left the place. The Ghost Towns of Alberta – Rowley If I were to decide, I would name Alberta the capital of dark tourism in Canada. If the haunted places of Edmonton are not enough, you can explore Rowley.   The small hamlet of Rowley in Alberta has deserted railway cars and buildings. However, it also tells some inspiring stories. Rowley used to be a town with 500 inhabitants in the 1920s. The Great Depression hit the place, making the residents leave. A lack of rain led to the drying up of the crops.Moreover, a fire destroyed many of the small buildings.However, only eight surviving residents of Rowley did a commendable job of transforming Rowley into a heritage site in the 1980s. They transformed some of the buildings.  Very few people know that movies like Bye Bye Blues or Legends of the Fall have some of these buildings as their locations. Visit Rowley in the summer, as it offers free tours in the season. Also, the pizza parties here on the last Saturday of every month are fun! These pizza parties are fundraisers for restoring the buildings and preserving history here.  THESE Are The Places You Can’t Miss At Rowley The historical buildings to visit in the ghost town of Rowley are: Rowley Trading Post (Built in the 1920s) A Printing Press A School Now Abandoned Former Hospital Abandoned Railway Tracks A Saloon with Swinging Doors (Dedicated to the memory of a previous owner) Municipality of Starland Office Canada National Telegraphs Building Along with these historical structures, you will also find a building labeled Funeral Home and Embalming. Going inside, you will find paraphernalia and historical artifacts used in Bye Bye Blues. The only thing I find creepy about Rowley is the mannequins. The residents have used mannequins in many places to recreate the scenarios of the 1920s.  So, if you have a faint heart, avoid peeping through the glass windows of the historical buildings. It is not very pleasant to find a mannequin looking back at you.  However, overall, the experience was like being at the location of a classic Western movie.  Alberta Frank Slide  Alberta Frank Slide is one of the most tragic spots for dark tourism in Canada. 121 years ago, this place witnessed the deadliest slide in Canada. The tragic incident took the lives of 100 people. What Happened At Alberta Frank Slide? It was 4:10 am on 29th April 1903. The 600 people in the mining community were still asleep as Mount Turtle crumbled down and released 110 million metric tonnes of rock. This incident took the lives of around 100 people.  Even today, if you pass through Highway 3 of Alberta or visit Frank Slide, you will find bodies and various belongings still buried under rocks.  “It was loud enough they could hear it up by the town of Cochrane, 200 kilometers away,” said Joey Ambrosi, the facility supervisor of the Alberta Frank Slide Interpretive Center. This interpretive center, built in 1985, tells the true stories of human tragedy and dismisses the myths around it.  However, the intrigue around this biggest slide does not end here. The mountain moves a few kilometers from each other, and scientists suspect it will come down again.  Having said that, there is still time for such an incident, and it will not be as deadly as the one that happened in 1903.  When at Alberta Frank Slide, don’t forget to visit The Crowsnest Pass. A landslide and a mine explosion in 1910 badly hit the area. Again, at a stone’s throw away is the Hillcrest town where 189 miners died of a coal-dust explosion on 19th June 1914.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13 Famous Wonders Of India That You Must Visit! [Updated 2024] Top Tips For Motorbike Rental In Phuket – A Guide To Exploring The Island On Two Wheels.