Traveling in London – A Complete Guide

If you’re fortunate enough to be visiting the wonderful City of London then you are going to need to know how to get around; although there is a lot of transport available it pays to know how the transport systems work and when and where you can travel to and from.

Riding the Subway (Also known as the ‘Tube’) is a very fast way to get around London and is certainly a cheaper alternative to using Taxi’s and buses. Each subway route is mapped out in different colors for easy reference and will get you to your destination fast. It’s always worth checking to see if there are any planned works scheduled as this could affect your journey times and how you reach your destination. There are many trains running every single hour on the Tube from about half past five in the morning up until just after midnight; if you need to be some place when the trains are not running then you can always get a taxi.

Look out for the lovely black London cabs that adorn the streets, these are quite elegant and really stand out making them very easy to spot. Taxis are an excellent method of transport for traveling around London but you have to be prepared to pay extra if you want to use them during the evening or at weekends. London taxi drivers know the ins and outs of the city very well and can take you wherever you want to go.

You may be tempted to hire a car and drive your way around London and although this gives you the freedom you want, you should know that driving in London is very demanding and the city can get extremely busy with traffic jams building up for miles, on top of this there are also congestion charges in various places through-out the city so you could end up paying a lot more than you anticipated.

An excellent way to save money as you travel around London is by using an Oyster card, this card uses a pay as you go system and works out pretty cheap if you intend to make a lot of single journeys. The Oyster card can be used on buses, on the Tube and even on some train journeys. With singles fares starting from approximately £1.90 depending on where you travel and what time of day it is, you can be sure to keep your vacation expenses down.

So that you don’t have to travel too far to get to see the scenes of London, have a look at a London Hotel or two and see if you can find one that is quite central.

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How to Travel in London – For Beginners

Are you planning a trip to London? It can be very challenging to plan a trip to London. There are so many Attractions to choose from: Museums, Churches, Theaters just to name a few. where do you begin? The following are just a few suggestions for how to travel in London for beginners.

Plan Your Trip- but not too much

Start planning your trip as early as possible. Make a list of the top sights that you really want to see and plan out which days on the trip you would like to do each one. Try and limit yourself to 1 morning “event” and 1 afternoon “event” just so you will not jam too much into each day of the trip.

Stay Flexible

Even thought you have each day pre-planned, don’t forget to use common sense and be ready to swap out one day for another. For example, if you planned to visit the British Museum on your first day, but you can see that the sun is shining, you might want to change your activities for a day that you planned outside events- such as the visit to the London Eye or Kew Gardens.

Plan “Down” Time

Don’t forget to plan some time to sit and have a traditional English Tea or just stop and people watch in Trafalgar square. Even lingering in a Pub and watching sport on TV (with the Londoners) can give you a great understanding of what it is like to live in the UK more than a museum or book.

These are just some ideas to get you started as you plan your trip to London. Another great tool is to use the benefits that come with a tourist card, like the London Pass. These types of cards are specially designed to help visitors see the most popular sites, save money on entrance fees and save time, by going to the top of the line at many attractions.

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Travelling Around London Tips

The city of London in the UK receives millions of tourists each year. Whilst the transport system may be one of the oldest in the world, it can also leave a lot to be desired, due to its age and restrictions. However, when travelling in London, you don’t always have to rely on the transport system put in place (although this is often more convenient) as there are many ways in which to travel about the city.

London buses cover every part of the city, and there are hundreds of routes covered. The traditional London red bus still exists, but it’s changed over the years. No longer will you see the old open door route master bus, instead, in its place you’ll find either long, single deck bendy buses, or red double decker buses, which are an update to the route master. As mentioned previously, these buses cover every part of the city, and you can either pay with cash once on the bus (£1.50 for adults, cheaper for children), or use an oyster card. If you are paying by cash, please pay with coins if possible, or a very small note, as the drivers don’t carry that much change, and are likely to get frustrated, or ask you to get off the bus if they don’t want to deal with the large note you have given them. Not to mention the frustrated passengers, who will be forced to wait because of you, as the driver counts the change. The best way to board the bus is to use an oyster card. The oyster card is London’s way of paying for travel via a debit card of sorts. This is a lot more convenient, as no longer will you have to physically count change each time you board the bus. You simply top up the oyster card with the amount you wish to place on it and then board the bus by placing the oyster card on the oyster card reader which deducts your travel journeys expense automatically. The oyster card can also be used on the London Underground, which is probably the most used method of transport in London. Again, you top up your oyster card with enough money to cover your travel, and then place your oyster card on the oyster card reader at the station when entering and exiting the station, and the oyster card system deducts the amount for your journey automatically. If you’re a tourist, the oyster card can be purchased from the Transport for London website. Once again, you can also use cash to pay for train travel. You’ll receive a ticket in exchange for your money, which will either cover you for your journey explicitly, so only from points A and B, or will cover you to travel within a certain zone over a specific period. The periods can either be a single day, 3 days, 5 days or a week.

Black cabs are also a popular way of travel, but can often work out quite expensive. You can normally find them outside most train stations, and can simply hop on board at the designated taxi rank, or by simply hailing one whilst walking on the street. Minicab companies also exist, but please don’t just jump into any car that claims to be a mini cab driver. You need to either go directly to the mini cab office in person, or ask for a cab, or call their number, and ask for a mini cab to be sent to your location. Over recent years there have been many incidents of people jumping into the back of cars, to be driven away by drivers who claim to be mini cab drivers, but who were acting under false pretences. Please don’t make this mistake. Even if the cab driver claims to be a mini cab driver, make sure you either go to the office in person or telephone the cab company yourself. ID cards can be forged, so it’s not enough to rely on this as a method of identifying whether the guy sat in his car is a mini cab driver or not.

Lastly, cycling is another popular mode of transportation. Cyclists in London are only allowed to cycle on the road, not on the pavement, so please ensure you have adequate head protection in the form of a bike helmet, and elbow and knee pads also if you prefer. Cycling in London is often seen as dangerous, due to the busy lifestyle of those who are in the city, so please be fully focused if you choose to travel via this method.

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Why It Is Important To Buy A Home Cover

Nature’s fury or riotous incidences don’t come knocking at your doorstep. Within couple of minutes it can turn down your dream like a pack of cards. It will not only affect your emotions but also impact your finances. At times, a mere earthquake or tsunami leaves millions of people across the world penniless and with no homes. Therefore, the best way to protect your home and its valuable belongings from getting damaged is to own a suitable Home insurance policy.

A home insurance is a form of property insurance designed to cover an individual’s home from damages to the house itself, or to possession in the home. It will also cover your liability or legal responsibility for any injuries and property damage, you or members of your family cause to other people.

Despite of knowing the benefits and best of the coverage to secure their house from any uncertainty and unexpected problems still majority of home owners try to avoid buying home insurance in India because of its expensive costs. Especially in economic slowdowns people start to contemplate whether or not carrying an insurance policy on their home is really necessary. They begin to think that the money being spent on the policy could be better spent elsewhere. This can be a dangerous way to think.

Home insurance, which covers the house and its contents from fire, theft, burglary and other security concerns, is still a segment that has not seen enough takers

Home insurers also provide cover for household appliances including television, washing machine, refrigerator and jewelry or valuables that are kept in the house. In some cases, even pets in the house, at the time of an accident or robbery and are injured in the incident gets a cover. Terrorism and catastrophic incidents are also covered under some products.
Home insurance is something that everybody that owns a home must deal with. If you are considering switching insurance companies, the process can be a little confusing. While looking for insurance cover the first thing that you need to do is find the company that you are going to switch over to. You will want to shop around and make sure that you are getting the best rate available.

You can do this in a number of different ways. Check out some independent review sites and see who is rated as the best company for insurance. Get a few rate quotes online and then visit an agent. They will be able to tell you what everything costs and give you an idea if you are better off than you were. Choose the best company that fits your needs and is within your budget. Once you decide on a company, you will have to do the necessary paperwork to get a Home insurance. You can usually do this in a few minutes while you’re sitting in the office of the agent that you chose to work with. They will have a few forms to fill out and you will be ready to go. They will ask you some basic questions about the property including the value of the property and if you have any special items to be insured. You will have to decide on the coverage limits and the features that you want.

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Different Premium Payment Modes Available In Life Insurance

Affordable premiums are definitely one of the most important features of an insurance plan, however it should also have a balanced share of benefits to offer as well. Here in this article we discuss the basic types of premiums and some of the common modes of payments available with the life insurance plans in market.

Types of life insurance premiums:

There are basically two types of premium payments namely single premium and regular premiums. At the time of opting for the plan, every policyholder would be explained in brief by the insurance agent or company about these two terms in particular. These two types of premiums are determined by the quantum of payment and the frequency decided by the person insured. Single premiums require a lump sum payment to be made by the insured at the time of entry while in regular premiums, he/she will be required to makes payments on a monthly, quarterly, half-yearly, or yearly basis. Both single premium and regular premium plans have their own benefits, yet the former proves to be more efficient when considering the total cost involved. The below example illustrates the basic difference between the two types of premiums.

A 32 year old woman pays a yearly premium of Rs.13,000 for 10 years on her life insurance policy, that offers survival benefits of Rs.2,00,000 on maturity. Going by this mode of payment, she will pay a total amount of Rs.1,30,000 by the end of the term period. However, the same plan comes with an option for single premium whereby a person is required to pay a lump sum amount of Rs.90,000 at the time of enrollment. In the second instance, the person insured can save up to Rs.40,000 on premiums. Taking into account the time value of money and rate of inflation, lump sum payments can often supersede the benefits of regular premiums. But again, making payments in one go may not be feasible for many customers and it is finally on their part to choose the type of payment after evaluating budgetary requirements. Therefore, make sure that you opt for the single premium mode only if you can afford the same without straining your finances.

Premium paying frequency:

Under regular premium mode, policyholders are required to pay premiums throughout the term period, while for some policies, the premium term is less than the policy term. For example, if your purchase a policy that offers life insurance coverage for 10 years, you can either choose to pay the premium for the entire length of the plan or choose a reduced payment term of 7 or 8 years. As a general rule of thumb, the number of installments is directly proportional to the sum insured, ie.,higher the sum insured more the number of installments. Once you have chosen the regular payment option, you then need to decide the frequency of premium payments which is either monthly, quarterly, semi-annually, or annually. Your premium payment term is also linked to the surrender value of the policy. Generally, a life insurance plan acquires surrender value after completion of 2 premium years. So in case you surrender your policy after the first year, you will not be eligible for the same.

Different method of paying your insurance premiums:

Gone are the days when one had to wait in long queues at the branch counters to deposit life insurance premiums. Going in line with the digital advancements of today, even insurance companies have launched apps and web platforms to offer a comprehensive range of services online. Given below are some of the most common methods of insurance premium payments:

Insurance agents – An insurance agent visiting your home to collect premiums was a common scene in early days, when private companies had only started to secure a foothold in the Indian insurance industry. Even with the changed times and latest digital enhancements, you can always get in touch with a collection agent of your insurer to come and collect your payments.

Mobile wallets – Post demonetization, the importance of mobile payments have increased so rapidly that a number of e-wallet companies have entered the market within a short span. The e-wallets offer a lot of facilities ranging from booking a ticket to paying off your monthly bills. Some of the mobile wallets have linked up with the insurance companies to facilitate fast and convenient premium payments for policyholders.

Online payments – As already mentioned, you can simply login to the insurer’s website and pay your premiums through internet banking, credit cards, or debit cards

Standing instruction on credit card – You can give a standing instruction to your insurance company to deduct the premium amount on your behalf. You just have to submit an application for the same along with the details of your credit card.

Electronic Clearing System – It’s an automated system of payment where the premium amount gets deducted from the bank account of the customer on due date. You can register for this service by filling out the ECS mandate form and submitting it along with other relevant details to the concerned branch of your insurance company.

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Determine The Type Of Vegetarian You Are

When it comes to vegetarianism, the fact that one size doesn’t fit all cannot be denied. Several food and health experts are of the opinion that today more and more individuals are adopting some kind of vegetarian diet, however, what they opt to eat and not eat relies on what type of vegetarian they want to be. Many believe that the number of people eating vegetarian diet is growing, as there are large numbers of options available in restaurant menus and in pre-packaged foods at the grocery store.

Being Vegetarian What does it actually mean?

Generally Speaking, the diet of a vegetarian comprises of vegetables, fruits, peas and dried beans, grains, nuts and seeds and no meat and fish. However, even within the vegetarian category, there are several subgroups, which include the following:

Lacto vegetarians consuming plant foods plus dairy products
Lacto-ovo vegetarians consuming both dairy products and eggs
Vegans avoiding all animal products no eggs, no dairy and consume only grains, vegetables and fruits

Semi-Vegetarians

The next category is those who call themselves semi vegetarians. Several of the top 10 dietitians and experts in the country believe that semi-vegetarian doesn’t have one standard definition. A semi vegetarian could be an individual who typically eats vegetarian diet, however, occasionally eats meat, for example, or it could be someone who doesn’t eat red meat but eats other type of meat.

Diet Including Raw Foods

There are some individuals who also eat and enjoy a raw food diet. In a raw food diet, an individual is enticed to eat uncooked stuff that’s truly raw products, uncooked, non-homogenized, etc. Again, there isn’t a single definition as it bundles a bunch of things. For instance, some individuals would eat all of raw foods or others consider eating raw foods even if they actually eat a two third portion of it. A raw food diet could include vegetable only or might even include meat, fish and eggs as well.

Why do People Opt for a Vegetarian Diet?

There are different reasons people prefer a vegetarian diet, but most prefer the diet for health reasons. A recent study has revealed that vegetarians have a lower body mass index (BMI) and lower cholesterol and are less likely to be affected from heart disease. They could also be at lower risk for other drastic diseases and can have effective weight loss as well. Others turn towards a vegetarian diet for religious beliefs, due to environmental or animal welfare concerns, just for economic reasons or because they just don’t like the taste as well as texture of meat.

Does a Vegetarian Diet really offer Health Benefits?

Individuals who consume only a vegetarian diet might not be providing their body vital nutrients it really requires to function optimally. The specific concern remains for vitamin B-12, which comes naturally only from animal sources, vitamin D, iron, zinc and calcium. So, if you are considering switching to a complete vegetarian diet, it’s recommended to talk to an expert nutritionist/dietician to ensure you get the nutrients you require to stay healthy.

Being a vegetarian is not bad at all provided you know what type of a vegetarian you want to be and you are having all nutrients in a proportionate manner.

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Ayurvedic Weight Loss Supplements To Reduce Excess Body Fat

Being overweight is like a curse as it raises several health problems. It is generally seen that some people eat a lot but do not gain weight while some gain weight even on eating less. Losing weight is a difficult task especially for those who suffer from mental problems as they find eating foods as the only way to satisfy themselves. There are some common reasons behind the increasing weight in body:

1. Weight gain depends on the metabolic rate of body. Slow metabolism in body is the main cause of not burning calories and increasing body weight.
2. Immunity becomes weak due to lack of iron, magnesium and vitamin D in regular diet and this alters metabolism of body.
3. People having stress, tension and depression mostly eat junk foods, take beverages and drink alcohol more just to distract themselves and thus weight increases in such people.
4. Increasing age slows down digestion and reduces metabolic rate. This results in weight gain.
5. Less production of testosterone in men and estrogen in women leads to increase in weight.
6. People having problem of thyroid disorder also gain weight in an unusual manner.

Some changes in lifestyle can help to lose excess weight at home:

1. The most important step for weight loss is to cut back on sugar and starch. This reduces insulin and also reduces hunger for calories.
2. Eating meals rich in protein source, fat source and low-carb vegetables also help to lose few calories. These kinds of foods reduce desire for snacking.
3. Lifting weights 3 times a week can burn a few calories which further prevents metabolism from slowing down.
4. Taking proper sleep is an important part of losing weight fast.
5. Eating foods slowly makes one feel full after eating even small meals and thus one does not overeat.

One can also use InstaSlim capsules to reduce excess body fat naturally. These are the best ayurvedic weight loss supplements as these supplements are made purely from herbs. These supplements help to combat every factor in body that results in increase in weight.

InstaSlim capsules provide the following benefits to overweight people:

1. These supplements suppress appetite and thus reduce cravings for sugary and junk foods.
2. Unique formula of these capsules promotes metabolic rate in body to increase utilization of body fat.
3. These ayurvedic weight loss supplements improve blood circulation to increase usage of fat stored in body for producing energy.
4. Promote fat metabolism to keep production of energy regular in body.
5. These supplements regularize bowel movements which in turn keep toxins out of body.
6. Nullify ill effects of thyroid disorders on metabolic rate.

InstaSlim capsules are loaded with Vaivading, Babool, Arjun, Pashanbhed, Chitrak, Jawasa, Bahera, Kali Mirch, Haritaki, Dikamari, Samudra Shosh, Chavya and Sounth. These herbs have the property to convert fat cells into energy. These herbs can effectively enhance functions of body organs that help in digestion and absorption of nutrients from foods. These herbs also keep bowel movements regular for healthy weight loss. To get long lasting and effective results, use these ayurvedic weight loss supplements on a regular basis. Taking InstaSlim capsules for 3 to 4 months can reduce excess body fat and give optimum health benefits.

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Travelling Around London Tips

The city of London in the UK receives millions of tourists each year. Whilst the transport system may be one of the oldest in the world, it can also leave a lot to be desired, due to its age and restrictions. However, when travelling in London, you don’t always have to rely on the transport system put in place (although this is often more convenient) as there are many ways in which to travel about the city.

London buses cover every part of the city, and there are hundreds of routes covered. The traditional London red bus still exists, but it’s changed over the years. No longer will you see the old open door route master bus, instead, in its place you’ll find either long, single deck bendy buses, or red double decker buses, which are an update to the route master. As mentioned previously, these buses cover every part of the city, and you can either pay with cash once on the bus (£1.50 for adults, cheaper for children), or use an oyster card. If you are paying by cash, please pay with coins if possible, or a very small note, as the drivers don’t carry that much change, and are likely to get frustrated, or ask you to get off the bus if they don’t want to deal with the large note you have given them. Not to mention the frustrated passengers, who will be forced to wait because of you, as the driver counts the change. The best way to board the bus is to use an oyster card. The oyster card is London’s way of paying for travel via a debit card of sorts. This is a lot more convenient, as no longer will you have to physically count change each time you board the bus. You simply top up the oyster card with the amount you wish to place on it and then board the bus by placing the oyster card on the oyster card reader which deducts your travel journeys expense automatically. The oyster card can also be used on the London Underground, which is probably the most used method of transport in London. Again, you top up your oyster card with enough money to cover your travel, and then place your oyster card on the oyster card reader at the station when entering and exiting the station, and the oyster card system deducts the amount for your journey automatically. If you’re a tourist, the oyster card can be purchased from the Transport for London website. Once again, you can also use cash to pay for train travel. You’ll receive a ticket in exchange for your money, which will either cover you for your journey explicitly, so only from points A and B, or will cover you to travel within a certain zone over a specific period. The periods can either be a single day, 3 days, 5 days or a week.

Black cabs are also a popular way of travel, but can often work out quite expensive. You can normally find them outside most train stations, and can simply hop on board at the designated taxi rank, or by simply hailing one whilst walking on the street. Minicab companies also exist, but please don’t just jump into any car that claims to be a mini cab driver. You need to either go directly to the mini cab office in person, or ask for a cab, or call their number, and ask for a mini cab to be sent to your location. Over recent years there have been many incidents of people jumping into the back of cars, to be driven away by drivers who claim to be mini cab drivers, but who were acting under false pretences. Please don’t make this mistake. Even if the cab driver claims to be a mini cab driver, make sure you either go to the office in person or telephone the cab company yourself. ID cards can be forged, so it’s not enough to rely on this as a method of identifying whether the guy sat in his car is a mini cab driver or not.

Lastly, cycling is another popular mode of transportation. Cyclists in London are only allowed to cycle on the road, not on the pavement, so please ensure you have adequate head protection in the form of a bike helmet, and elbow and knee pads also if you prefer. Cycling in London is often seen as dangerous, due to the busy lifestyle of those who are in the city, so please be fully focused if you choose to travel via this method.

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Student Travel Card

I have to start by telling you that as of May 5th 2011, a travel card that allows students to receive discounts for all areas of travel are unavailable. I am only aware so far of one in Ireland, called the “Student Travel card” but there is currently not an all-encompassing student travel card available to UK students.

This doesn’t mean that you should stop there, there are cards out their that you can purchase that will entitle you, as a student, to discounts when traveling via rail, coach or the underground.

I’ll start with the 18+ Student Oyster card. This is definitely worth your while for only 310. You can apply for an 18+ Student Oyster card over on the Transport for London website, or if you would prefer, you can check out Student value in order to find out more information and click through to the page you need on the Transport for London site. In order to qualify for an 18+ Student Oyster card, you must be over 18 years of age and be registered with an education establishment participating in the scheme. In order to find out whether or not your place of education participates, all you have to do is check with one of your union reps.

If you attend a University that is far away from your hometown, then it is natural to become homesick. If and when that day comes, you want to make sure that it doesn’t cost you an arm and a leg. Luckily for you, whether you want to travel by coach or by train, there are ways that you can get discount just by being a student.

If you wish to travel by rail, the 16-25 rail card is the one for you. This is the card that Natwest used to offer along with their student account and entitles you to up to one third on rail fares throughout Great Britain. If you’re not between the ages of 16 and 25, fear not, because you too are entitled to this card provided that you can prove that you are still in full time education. You can purchase this card and experience the discounts it has to offer for a year at £26.00 or for three years at £65.00.

If you would prefer to travel by coach, then you can apply for a Young Persons Coach Card, which you may do if you are between the ages of 16 and 26, or a full time student. Flashing this card will entitle you to up to 30% discount and is well worth it at just £10. If you would like this card for 3 years, than it would cost you only £26.

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Traveling in London – A Complete Guide

If you’re fortunate enough to be visiting the wonderful City of London then you are going to need to know how to get around; although there is a lot of transport available it pays to know how the transport systems work and when and where you can travel to and from.

Riding the Subway (Also known as the ‘Tube’) is a very fast way to get around London and is certainly a cheaper alternative to using Taxi’s and buses. Each subway route is mapped out in different colors for easy reference and will get you to your destination fast. It’s always worth checking to see if there are any planned works scheduled as this could affect your journey times and how you reach your destination. There are many trains running every single hour on the Tube from about half past five in the morning up until just after midnight; if you need to be some place when the trains are not running then you can always get a taxi.

Look out for the lovely black London cabs that adorn the streets, these are quite elegant and really stand out making them very easy to spot. Taxis are an excellent method of transport for traveling around London but you have to be prepared to pay extra if you want to use them during the evening or at weekends. London taxi drivers know the ins and outs of the city very well and can take you wherever you want to go.

You may be tempted to hire a car and drive your way around London and although this gives you the freedom you want, you should know that driving in London is very demanding and the city can get extremely busy with traffic jams building up for miles, on top of this there are also congestion charges in various places through-out the city so you could end up paying a lot more than you anticipated.

An excellent way to save money as you travel around London is by using an Oyster card, this card uses a pay as you go system and works out pretty cheap if you intend to make a lot of single journeys. The Oyster card can be used on buses, on the Tube and even on some train journeys. With singles fares starting from approximately £1.90 depending on where you travel and what time of day it is, you can be sure to keep your vacation expenses down.

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