PlanningTravelling Alone

Often people are shocked when they hear that I love to travel alone. Some state that they would be afraid to do this while others imply that they just don’t think they would enjoy the trip without having people accompany them.

Well, there are several advantages to going solo:

1. Planning is much easier. You just think about where you would like to visit and start researching your options. You can open an email with flight offers and book whatever grabs your attention at the time without having to consult or compromise.
2. Travelling is more flexible. If you miss a plane or decide to get sidetracked you can coordinate things based on one schedule only – your own. You don’t have to worry about anxiety or commitments of others in your party. In fact, you could even choose to give up your seat on an overbooked flight and receive hundreds of dollars from the airline for doing so.
3. Opportunities abound. It is a lot easier to purchase one ticket to a popular event that two. Several times I have impulsively arrived at a box office and found that the concert was sold out – except for one great ticket – MINE! Would you believe twenty-third row center for Natalie Cole in Seattle?
4. Relationships develop. Frequently I am invited to join interesting people at their table for a meal when they realize that I am on my own. I have made amazing friendships and enjoyed great conversations on trips that wouldn’t have occurred if I had been with other people.
5. Culture can be experienced first-hand. There is always time to visit with hotel or restaurant staff, discover local adventures or learn about the language and customs from a shop keeper because no one is waiting for you or wanting to do something else.
6. Plans can be altered. You can sleep in, order lunch in mid-afternoon or take an impulsive detour without upsetting anyone else’s itinerary.
7. You set the pace. I have learned to walk slowly and rest often – a situation that does not match that of many other people. Last month, in Ronks, Pennsylvania, for example, I chose to take advantage of an outdoor Amish-made rocking chair so I could just rock and people-watch for two hours. I loved it but know that not everyone would have felt the same way!
8. You spend less money. At least I do because I know that I am the one who will have to haul my luggage around from place to place. And I don’t want to pay an extra transportation fee if it weighs in att over fifty pounds.
9. I also eat better when I am alone because I am not in restaurants three times a day trying to finish everything on the plate. In fact, I eat only one restaurant meal a day, ask for a take-out container and then supplement my left-overs with fruit, vegetables or snacks that I have purchased throughout the day.
10. Finally, and with tongue in cheek I enjoy the fact that there isn’t anyone to correct my stories!

You don’t have to be afraid to travel on your own if you are wise. Just use your common sense, ask hotel personnel for advice about safe areas and keep your eyes open. With just a little practice, you will find that travelling on your own can be a wonderful experience!

Why Your Company Needs Cyber Privacy Insurance

The universe in which we live in is so very different than how it used to be. Home and personal life has been drastically improved.The general difference in our present lives is particular evident in the manner in which business conducts activities. Technology has taken over virtually every aspect of commercial performance in all industries – worldwide!

With the advancement, however, there remains serious cyber and privacy breach liability. Companies that protect themselves with Cyber and Privacy Insurance can rest assured that they have the necessary coverage in the event of a data breach.

Privacy Claims Instances that Could Very Well Occur to any Business:

• A large healthcare provider partnered with a national merchant to help with its office move. In middle of relocating, the healthcare provider learned there were a number of laptop computers missing. The laptops all contained personal data of members. After consulting with a lawyer and forensic vendors affected parties were notified and offered credit monitoring services. The healthcare provider was investigated and became the defendant in a class action lawsuit. Data breach costs reached $7,000,000 and privacy liability costs came to $2,000,000.

• An online retail shop was hacked and shoppers experienced fraudulent credit card charges. The shop’s tech support employees asked the host web-company to review the stored server data. The web-company discovered a virus and removed it. However, the breach compromised privacy of almost a million records, plus fraudulent usage of 50 credit cards. Besides this, the online shop acquired fines and penalties as a result of not being Payment Card Industry. Data breach costs amounted to $750,000 and privacy liability costs came to $500,000.

• Two employees of a $100 mil retail outlet stole credit card info from a client and fraudulently utilized it for personal shopping. The workers was caught in the act and legal action was taken against them. The retail outlet shop provided credit card monitoring services to its customer (the victimized credit card owner) and provided compensation to her for any related damages. Privacy liability costs amounted to $75,000.

• A $50 million business servicing corporation organized a mailing project for a client and accidentally sent out about 60,000 envelopes displaying account numbers. Data breach costs amounted to $320,000.

• A neighborhood municipality mistakenly posted tax licenses on its website, leading to improper release of personal data. The municipality used forensics services as well as the services of an attorney’s and a public relations company. The municipality also notified affected people and offered credit monitoring services. Data breach costs reached $150,000.

Plan The Most Professional Conference Call Possible – The Simple Tips

A conference call is a telephone call that allows more than two people to join in the conversation. It breaks geographical barriers and makes it possible for professionals to hold meetings without the cost or need to travel and make accommodation arrangements. More and more companies are now embracing the technology that saves so much cost and time and also offers lots of convenience. There are so many platforms you can use for your business conference calls, some of which even make the calling free for your convenience. But how do you make sure the call is as professional as it ought to be?

1. Consider even the smallest details in your plan. Before anything else, you need to know what you are doing and when you will be doing it. Set the date and time and make sure you have all relevant participants include and laid out. If it is an international conference call, then make sure that you remember to consider time zone differences so all participants are comfortable with the scheduling.

2. Give participants early notice. Professionals tend to be very busy people and for this reason you really cannot assume that they will be available at the time you have scheduled the conference call. It is advisable that you tell them about the conference call at least a month or few weeks to it. This is good enough time for everyone to reserve time for the call or make any necessary changes to the scheduling early enough for you to come with better alternatives. If everyone is okay with the date and time, then you need to provide them with instructions to access the call including dial-in numbers and PINs. Proposed start and end time and also the topic should also be provided.

3. Keep all necessities handy. Visual aids, charts, spreadsheets and even graphs may be necessary during the call and you should have them handy. If possible you can send them out to the participants before the call for their analysis. Whether your call is an audio call or a video call, you will need to avail necessary guides to get the most from the session.

4. Create a good agenda. Your teleconference will only be successful when you have a complete and well-organized agenda for it. A good agenda should cover topics, speakers on each of the topics, and even time every speaker has on the topics. Consider any requests from the participants and include them in the agenda too.

5. Exercise good teleconference etiquette. It may be a conference call, but you should show professionalism in handling it. Call on time and introduce yourself appropriately immediately you dial in. Allow speakers to finish talking before you jump in and keep your phone mute when not talking to prevent background noises from seeping in. You should also remain attentive to what is happening during the call; you do not want to seem lost in the conversation just because something distracted you during the session.

Living The True Weight Loss Lifestyle

For those that are trying to lose weight, they focus on rigorous workout routines and different diets is not their primary focus, but changing their lifestyle entirely. Stop counting calories and start changing your life as a whole.

Do you spend so much time working out at the gym that the receptionist knows you better than your housemates right now? Nonetheless, you have no success at weight loss no matter how hard you try.

Diets that are fads tend not to work out well, even through people tend to get on them frequently each year. Exercising will only make you lead a healthy life Multiple studies have revealed that the key to long-term weight loss is about lifestyle alterations. There are examples of people who have made changes, and then gone on to lose and keep off over 60 pounds of weight. Let’s take a look at how they succeeded.

One: Eat the right foods. The topic of calories is actually perfectly straight forward. It comes down to simple math. Eating more calories than what is required leads to increased weight. Still, you do not have to worry about calories if you make smart choices from the get go. Don’t eat portions that are too large and start to put lean proteins, vegetables, whole grains, and also fruits into what you eat each day.

2. Reasonable exercise. Nearly 90 percent of people who have lost significant weight changed their lifestyle by incorporating one hour of walking each day. This is what you should know. You do not have to buy fancy equipment or belong to a high-priced gym. Moderation is the key, consistency is the focus.

3. Quality Support System It is far easier to shed fat when you have positive influences around you at all times. If the people you are conversing and eating with have bad eating habits, the likelihood of you going down the same path increases.

4. Develop a good sleeping pattern. If you don’t get enough sleep, insulin production will fall. Your brain requires insulin to regulate your appetite. If you don’t get enough rest, you will certainly make poor decision as far as food choices are concerned. Insulin regulates your metabolism, so when you get proper sleep you also have the energy to stick to your daily exercise routine.

5. Keeping track of progress. The journal, believe it or not, is one of the most effective weight loss tools. By writing down the foods you eat and how much you worked out, you’ll have success. The process of documenting your progress helps you maintains a constant awareness of good and bad habits and is proof in black and white of what is working for you personally and what does not. This journal helps you pinpoint problem areas, such as snacking and eating on the weekends when you hang with people who are not as driven. In most cases, simply keeping consistent records (at least six days out of the week) is enough to increase the total amount of weight lost by as much as one hundred percent. Let your journal serve as a daily reminder of the things you should do and where you want to be in the future.

A change in lifestyle isn’t just about losing weight – it’s about living longer, happier, and better lives. Understand the efforts to change your lifestyle are worth the effort because once you lose that weight, you will keep it off. This the time you must get realistic with weight loss effort by changing your lifestyle since no other method will give you the required results.