or perhaps, you're looking to improve.
You can't do both at the same time.
If it's perfect, you can't make it better. But if you don't make it better, you're getting no closer to what you set out to accomplish.
Of course there isn’t one. Ants organize locally. They develop a culture, and that culture gives them the resilience to make them one of the world’s most numerous creatures. Deborah Gordon of Stanford has the fascinating details.
It turns out that culture is the most powerful force available to us. Culture comes from each of us, from the connections between. Culture isn’t created by presidents, Popes or kings.
Hollywood has a culture, not a king. Silicon Valley too. Change the culture (slowly and persistently) and you can change everything.
We sort people all the time. Society prefers easy, useless ones. Sorts like: Skin color. Gender. Disability status. Nationality. Religious background. Height.
While these are easy to do and the result of long, long traditions, they’re useless.
The alternatives? Kindness. Expertise. Attitude. Skill. Emotional intelligence. Honesty. Generous persistence. Willingness to take risks. Loyalty. Perceptivity. Attention span. Care. Self awareness…
It’s a daily battle, an uphill climb to intentionally ignore the bad sorts we were likely taught as kids. This might be the most important work we do today, and every day. The people we care about deserve it..
There is no market. There are markets.
And markets have segments. There are people who enjoy buying expensive wine. There are people who will save up their money to have a big wedding. There are people who pay to have a personal trainer…
And within segments, there are careful consumers, traditional consumers, consumers who seek out the cutting edge. There are bargain hunters, luxury snobs and people who measure the way Consumer Reports does.
Often overlooked, though, is the fact that in many markets, particularly involving personal finance, small business and relationships, there are people who are obsessed with the shortcut.
They want something that’s too good to be true.
They respond to big promises that offer magical, nearly instant results.
They want a squeeze page, a tripwire offer, a hard sell.
They respond to these messages because they’re a signal that a shortcut is on offer.
My grandmother, who never exercised a day in her life, bought an exercise machine from a late night TV commercial. When it sat gathering dust, she explained that she thought it would do the exercise for her, and was disappointed that it didn’t magically make her fit for $99.
Or consider the victims of ‘plastic surgeons to the stars’ who pay for radical surgery only to discover that it doesn’t change their social life.
Or the hardworking people who fork over money for a get rich internet ICO, based on technology that they (and the promoter) don’t understand.
There are complicated reasons for wanting this sort of engagement. It might be that the the promise and the pressure of these pitches create endorphins that are pleasing. And it might be that deep down, this market segment knows that things that are too good to be true can’t possibly work, and that’s fine with them, because they don’t actually want to change–they simply want to be able to tell themselves that they tried. That the organization they paid their money to failed, of course it wasn’t their failure.
Once you see that this short-cut market segment exists, you can choose to serve them or to ignore them. And you can be among them or refuse to buy in. But you do have to choose.
Updated: 6/26/18 | June 26th, 2018
Traveling around Europe can be fairly expensive. Airline tickets, high-speed trains, overnight trains, ferries – they can all eat into your limited and precious travel budget. I mean you came to spend money on delicious food and wine, not transportation!
However, there are a few recent trends that have helped travelers get around Europe cheaper: weaker currency exchange rates, the rise of the sharing economy, new bus options, and lots of new budget airlines.
Megabus is a cheap way to get around the United Kingdom (England, Scotland, Wales) as well as to Paris, Brussels, and Amsterdam. Tickets can cost as little as 1 GBP if you book at least a month in advance on popular routes to get these fares. However, even if you don’t scoop up these amazingly cheap deals, you can still travel for a more reasonable price than on the national bus system, as fares rarely top 20 GBP. I recently took a 5 GBP bus from London to Bristol. (The train? 45 GBP!) That ticket was only bought the day before too! Additionally, Megabus also operates trains to some destinations around the UK, starting at 10 GBP. Megabus is definitely the cheapest way to get around the UK and now is also the cheapest way to get to Paris, Brussels, or Amsterdam.
Busabout is a hop-on/hop-off bus service primarily used by backpackers, similar to the Oz or Kiwi Experience in Australia and New Zealand, respectively. You can get on and off whenever you want along one of their set routes. You can buy tickets that let you travel their whole network with a set number of stops. For example, a nine-day flex-pass, which gives you nine stops from your starting city. The only downside to Busabout is that if you want to visit a city not on their route, you have to make your own way there at an added cost. A lot of backpackers use this method of travel to get around as well as meet other travelers. The pass also comes with a guide and sometimes include group activities. A two-week pass is $299 USD. If you figure you can visit about 6 cities in two weeks, that’s $50 a trip. When you consider the soft benefits of a guide, included trips, and meeting people, Busabout becomes price comparable to trains and flights, though still more expensive than a regular public bus! Their unlimited passes for $1,499 for 6 months of travel is the best long-term transportation deal.
Over the last few years, a new company has come on the market that has totally changed the bus system in Europe! German based Flixbus has routes in 20 European countries and thousands of cities with prices starting as low 5 EUR. Their buses include WiFi, electrical outlets, up to three 3 free bags, and comfy seats. It’s essentially Megabus, but less sucky and for the whole of continental Europe. Flixbus quickly became my favorite non-train way to get across Europe cheaper after it came out. It’s the best and cheapest way to get around continental Europe!
Another option is to take Eurolines. Every country in Europe has its own national bus service but for international long distance bus routes, they sort of combine into the umbrella company, Eurolines. While they serve more destinations than Flixbus, I prefer the comfort and prices of Flxibus if I have a choice between the two. Eurolines prices usually start at around 20 Euros for a 5-6 hour journey.
By far one of the cheapest ways to travel long distance in Europe is by budget airline. These airlines are hugely prolific on the continent and competition leads to incredibly cheap fares. You can often find fares as cheap as 1 Euro. When I need to go somewhere and I don’t want to take a long bus or train journey, I fly budget airlines. My favorite budget airlines are:
I use Skyscanner and Momondo to search for the best deals. They do all the legwork for ya!
It’s important to remember that these budget airlines make most of their money through fees, and the second you mess up, they whack you with a fee. They are very strict about baggage limits or forgetting to print out your boarding pass. Be sure to follow their rules to the letter. Sometimes these budget airlines cost more money because of all their fees so if you’re traveling with a lot of bags, it may be cheaper to fly with one of the larger airlines (which have also lowered their fares in the face of tough competition).
For more information, here is a complete guide to finding cheap flights around Europe.
Getting a rail pass is a good option if you are going to be traveling across vast distances and don’t want to fly. The European rail system is one of the best and most extensive in the world. I love traveling by train. Sitting in a big seat, relaxing with a book, and watching the stunning landscape go by. It’s more comfortable than a bus and much less stressful than air travel.
If you’re going to travel by train, it’s hard to beat them on price and convenience for short city to city travel. For longer journeys (overnight journeys, between countries, or rides that require a high-speed line like Paris to Bordeaux or Berlin to Munich), trains tend to be very expensive. If you plan to travel around Europe in a grand tour, a rail pass is your best money saving travel option. Your cost per trip will be a lot lower than if you were to buy these tickets separately.
For more information, here is a complete breakdown of Eurail passes and when they should be used to save money.
The rise of the sharing economy has allowed people to hop a ride with locals going their way, and BlaBlaCar is the reigning king of this service. Hugely popular and widespread in Europe, I’ve used this service many times. This website lets you rideshare with people who have extra space in their car. You find a ride, they agree to take you, and off you go. You can find rides for as little as 5 Euros. It is the best, BEST paid way to get around Europe. You get to meet a local, have a friendly conversation, save tons of money over bus and train travel, and get off the highways and more the countryside.
Alternatively, there are websites where you can ask for rides so long as you pitch in for gas. Gumtree is the most popular among backpackers.
The best way to travel Europe cheap is to not pay for it. Hitching is quite common in Europe, and I’ve met a number of travelers who have done it. I myself traveled this way in Bulgaria. It’s important to use your head when hitchhiking.
There are a lot of ways to get around Europe on a budget. But what’s the best way for your trip? MIX AND MATCH YOUR TRANSPORTATION. The key to traveling around Europe on the cheap is to know when to use each one of the listed transportation methods. For short trips, I like trains and BlaBlaCar. For medium length trips (half a day), I’ll take a bus, BlaBlaBla car, or train. For long distances, I fly, take a high-speed train, or overnight buses. If you have no preference on how you travel – you just want the cheapest – use a website like Rome2Rio. All you have to do is enter where you are going and they will find all the ways to get there and list the prices for each method.
When you are looking for cheap ways to travel Europe, use the transportation options above that suit your needs and you’ll always get the best deal!
Next step: keep planning your trip to Europe with these articles:
The post 7 Cheap Ways to Travel Across Europe appeared first on Nomadic Matt's Travel Site.
Make some up.
There’s no shame in that. In fact, it’s a brilliant hack.
Set up a method of reward or punishment with a third party. Money in escrow that goes to a cause you abhor. Public congratulations. Whatever the method, the point is the same: You’ve been trained since childhood to respond to external deadlines. For many people, that’s the only way to feel the magic of accomplishment.
If you need the last minute to be your best self, first go manufacture some last minutes.
Updated: 6/25/2018 | June 25th, 2018
Travel insurance is one of the most important things you’ll need for your trip. You wouldn’t have a car without car insurance, a home without home insurance, and you can’t have a trip without travel insurance.
Why? Because travel insurance is what will provide you with medical coverage when you get sick or injured, reimburse you when your camera breaks, your flight is canceled, a family member dies and you have to come home, if lose a bag, or something is stolen. It’s all-purpose emergency coverage and is the single most important thing you should get for your trip (but hope to never have to use). It’s the one thing I strongly, strongly advise travelers to never leave home without because I’ve seen it help so many – and so many others regret being cheap and not getting it! For only a few dollars a day, buying travel insurance a no-brainer.
I used it for a doctor in Argentina, when my camera broke in Italy, my eardrum popped in Thailand, and my luggage was stolen in South Africa. Each time I was reimbursed my expenses and was made whole again as they like to say.
Travel insurance was there when my friend had to be helicoptered out of the Amazon after he fell off a boat, when friend’s father died and she had to fly home, and another got her bag stolen. Travel insurance makes sure you don’t lose money and are always protected. (My favorite travel insurance provider is World Nomads. They always have my back when something like the above happens. I’ve been using them since 2003.)
Since most health programs don’t cover you overseas and credit cards offer really limited protection, buying travel insurance is something you definitely need to protect against the unknown. After all, you don’t want to end up like my friend who didn’t have insurance when her computer was stolen and had to pay out of pocket for a new one.
Since travel insurance is one of the most complex, important and confusing aspects of trip planning, I want to break it down for you, help you understand what it is about, and show how to pick the best travel insurance plans in just a few steps:
Insurance is a billion-dollar business, and everyone wants their hand in the cookie jar, thus you face a mind-numbing number of choices that can be confusing and overwhelming. And, often, in the fine print, you’ll find that plans aren’t as good as you thought.
First, make sure your travel insurance offers a high coverage limit on your medical expenses. A good company will provide up to $100,000 in coverage care, though more expensive policies will cover you for higher amounts. The maximum coverage limit you can find is around $1,000,000 USD, though I’m not sure why you would ever need a limit that large. High coverage limits are important because if you get sick, injured, or need serious attention and have to seek professional care, you want to make sure your high hospital bills are covered. The worst thing you can do is go cheap and get a policy with a $20,000 coverage limit, break a leg, and reach that limit before they are done taking care of you. Don’t be cheap with your health. Get minimum coverage of $100,000.
Second, you want to make sure your travel insurance policy also covers emergency evacuation and care that is separate from your medical coverage. If you are hiking in the woods and you break your leg, your policy should cover your evacuation to the hospital. If a natural disaster occurs and you need to be evacuated to somewhere else, your plan should cover that as well. This protection should cover an expense of up to $300,000 USD.
Additionally, evacuation also should mean from the hospital to your home country. Standard emergency evacuation usually includes this provision, but it’s important you double-check a company will cover the cost of your flight back home if you need it.
Third, great travel insurance plan will always include the following provisions:
A quick note on electronics: Most companies only have a small limit, usually up to $500 USD, as part of their basic coverage. You can often buy supplemental insurance to get a higher amount of coverage. For instance, Clements Insurance offers special coverage for your electronics. Prices vary depending on the country you visit ($145-195 per plan). Moreover, many regular and home insurance companies such as State Farm offer insurance plans that can help you cover your electronics. Be sure to check if you find a travel with a lot of gear!
Know what is also not covered by your plan. Most policies do not cover:
Even the best travel insurance have their limits. Often, in the fine print, you’ll find that plans aren’t as good as you thought.
The medical portion of travel insurance is more about emergency care than being a replacement for your normal healthcare. A lot of people purchase travel insurance get disappointed when they find out they can’t go get an annual physical with it.
Remember you will get what you pay for. Maybe you see two companies offer similar plans but one is really cheap? Why? Usually it’s because the devil is in the details and they could have smaller payouts, take longer to process claims, deny more people, or have so many rules in the fine print that it turns out you aren’t going to get paid when you think you are!
Travel insurance is accident insurance. It is there to protect you in case of emergency and, if need be, get you home in a hurry. If you want a global health plan (because you now live in Beijing), you need a completely different type of plan.
To summarize:
| If you want: | Include this in your travel insurance policy: |
| Payment for expenses if you get sick or injured on a trip | Travel medical and accident coverage |
| To be taken to the nearest hospital or flown home if necessary | Emergency evacuation and repatriation |
| Reimbursement if you get sick and have to cancel or end your trip early | Trip cancellation AND trip interruption |
| Payment for lost, stolen or damaged luggage or goods | Theft and lost coverage |
| Help finding a doctor abroad | 24-hour assistance |
| Payment for rental car damage | Car collision insurance (CDW) |
The world is FILLED with insurance companies. You’re going to come across thousands in your searches for a good provider so I’m going to list my favorites. Below are the companies I would be OK with my mother using. If you’ve found a company and it’s not listed here, it’s because I wouldn’t use them. I’ve researched hundreds of policies over the last ten years and have found the following companies to be good:
If you’re a senior and over 65, use Insure My Trip. Many insurance companies don’t cover seniors or, if they do, are bloody expensive! Insure My Trip offers the best coverage and prices for older travelers and I suggest you use them.
My favorite company is World Nomads. I’ve been using them since I started traveling in 2003. They are very reputable, and claims are quickly and fairly processed. This is a company built by an ex-nomad so he gets the traveler mindset. I enjoy World Nomads because I can purchase and renew my insurance policy online in a matter of minutes, they have a very friendly and responsive staff who answer questions and help solve problems via social media, they have great customer feedback, and most importantly, they provide a lot of coverage at a fair price. If there’s one company I would recommend, I would say go with them. They are also endorsed by Lonely Planet and National Geographic, which tells you how good they are!
Even though you can wait until you leave, it’s best to get your travel insurance as soon as possible. Every day you wait, there’s a chance something could happen and you can’t get a travel insurance after the fact. If a hurricane ruins your trip, your travel insurance would only cover you if you bought it before the hurricane formed. Buy a plan the day after you go to the doctor but before he tells you you’re sick? Your plan won’t cover you since your original visit happened BEFORE the plan!
Don’t wait to get insurance. I’ve seen it happen too often. The second you know you are going somewhere and have the dates, buy travel insurance!
There’s a 99.99% chance you will never need to use the policy you bought, but accidents happen and life on the road is uncertain. It’s better to be safe than sorry, especially when you are in a different country, thousands of miles from home.
Don’t want to end up like my friend in Peru, who decided against coverage, only to break her arm and have to spend lots of money to get it fixed in Lima.
Be smart and get travel insurance.
You can use the widget below to find an insurance plan for your trip:
STILL CONFUSED? READ NEXT —-> 10 common questions (and answers) about your travel insurance
P.S. – If you’ve found this article helpful, please consider booking via the links here as it helps keep the website community supported and advertiser free. All the companies are ones I use myself in my own travels. If you have any questions, email me!
The post How to Buy the Best Travel Insurance in 2018 appeared first on Nomadic Matt's Travel Site.
