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Top 5 cruise lines for seniors
Senior cruises

Top 5 cruise lines for seniors

Seniors who like going on luxury vacations every now and then probably want nothing more than a cruise trip on their bucket list. Fortunately, many cruise lines cater to senior citizens, offering everything from discounts and offers to wheelchair-accessible rooms. These cruises sail to distant and serene places, be it Alaska, the Caribbean, or a quaint town in Europe. On that note, here are some of the best cruise lines for seniors to check out. Princess Cruises This is one of the best cruise lines for seniors. Their ships are wheelchair accessible, making it easier for all passengers to enjoy their trip. Though Princess Cruises sail to many destinations around the world, they are particularly known for their Alaskan cruises, which makes them a great choice for those specifically looking to explore Alaska. They even offer cruise tours that include extended land excursions. Azamara Club Cruise If you prefer to stay for a long time in port during cruise trips, consider Azamara Cruises. Almost all their itineraries have long port stays. They even have medical facilities and onboard physicians. Azamara Cruises sail to beautiful places, such as the Caribbean. Royal Caribbean International Royal Caribbean International cruises stand out for many reasons.
Explore the majestic Arctic with these 4 luxury cruises
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Explore the majestic Arctic with these 4 luxury cruises

Traveling to a destination is one of the best parts of vacationing. While some venture on a road trip or simply take the next flight, others prefer voyaging the seas. With onboard entertainment, luxurious rooms, and breathtaking sea view, traveling to your destination on a cruise can be an exceptional experience. And this experience magnifies when you are traveling to the Arctic. So, here are some of the best luxury cruises to the Arctic. Explore the Polar Region in style Quark Expedition brings to you adventurous yet a luxurious cruise to the Arctic. Their newest polar-class ship – Ultramrine can board two helicopters and 20 quick deploy Zodiacs for a closer interaction with the Arctic fauna. It also has a spacious viewing deck to witness the intriguing midnight sun. The cruise is a round trip from Longyearbyen to the Arctic circle. Adrenalin-filled Arctic Expedition Lindblad Expeditions is offering an unmatched experience to its customers on a six-to-26-day excursion to the Arctic. The thrilling zodiac rides gives you an opportunity to become an adept photographer to catch a glimpse of the polar bears, multitudes of penguins, seals, and whales surfacing the blue waters. You can also mingle with Svalbard’s local community and experience their rich culture.
5 things one should avoid doing on a cruise
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5 things one should avoid doing on a cruise

Cruises are one of the most luxurious ways to embark on a vacation trip. You get to stay on board surrounded by amenities and services while also experiencing various places and their cultures. Luxury cruises to the Arctic are one of the best options to embark on a long journey. However, one needs to avoid certain “don’ts” while on a luxury cruise. Some of them include the following: Teeth whitening One of the many benefits of being aboard a luxury cruise to the Arctic is that you can take advantage of numerous spas and other personal grooming activities. One of those services provided is a teeth whitening treatment. You might even be able to seal a deal at a cheaper rate than usual, and the service will surely meet the cruise and personal standards. That said, the post-treatment can pose a problem. The treatment will possibly leave you with sore gums, making you incapable of enjoying any activity on board. Hoarding food Cruises have a buffet menu, and you are free to choose whatever you want. In fact, some even offer a 24X7 buffet, making sure you do not have to compromise on sleep or other activities. That said, people often tend to pile mountains of food on their plates, eventually wasting it.
Best Adriatic cruises to check out in 2022
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Best Adriatic cruises to check out in 2022

Traveling on a cruise ship from one stop to another is a novel experience. Going through a variety of destinations lets you explore the unique culture and cuisine of each place in the journey. The Adriatic Sea gives you the opportunity to explore exotic places that you won’t come across anywhere else in the world. We’ve listed some unique itineraries for you to consider if you’re interested in a cruise through the Adriatic in 2022. Dubrovnik to Naples If you and your partner enjoy culture-rich places that offer ornate cathedrals and baroque buildings, this cruise trip should be the ideal choice. On this 11-day-long cruise by Lindblad, explore the culture and calmness of towns like Gerace, witness the pastel-colored buildings in Amalfi, visit the ruins of Pompeii, and explore the beauty of Dubrovnik before the cruise sets sail. People of every age can enjoy this cruise. Split Return Cruise This seven-night-long cruise covers multiple destinations that offer the best of beaches, preserved nature, ecological agriculture, and traditional architecture. The best parts of this journey include the beauty of Mljet National Park, the tranquility of Korcula, Hvar, and Brac Islands, and scrumptious Dalmatian cuisine. This cruise is a treat for the eyes and tastebuds, get ready to be enchanted!
4 cruise line secrets revealed
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4 cruise line secrets revealed

Cruises are one of the most relaxing vacations replete with fun. And there is a range of things that cruise lines would rather not tell you? Since most cruise lines are sales-based, profit is one of their important motives. There are quite a few tricks up their sleeve devised to encourage you to spend more. To save you from these traps, here are four cruise secrets you should know before you book your next cruise. All-inclusive packages are not all-inclusive Most all-inclusive packages only include room stay and meals cost. Beverages, tips, shore excursions, internet, activities, and dining outside the dining area are chargeable. Some cruise lines also charge for room service. So, read all the terms to know hidden and additional charges. Cruises are not crime-free Big cruise lines keep a tight watch on crime, but sometimes bad things can happen. Cruise lines are not required to report thefts of less than $10,000, so not everyone knows much about the rate of petty crimes. However, you should always be careful of your surroundings. For safety, do not carry valuables items on vacation. Some cruise liners have a prison or a “brig” to lock up unruly passengers, later handed over to port authorities.
4 travel secrets to know on a cruise
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4 travel secrets to know on a cruise

Cruise vacations are a delightful experience as today’s mega-ships offer the best comfort and entertainment on the high seas. It doesn’t matter if you are a seasoned traveler or just embarking on your first cruise. There are a few fun ways to save money and enjoy the best amenities with easy travel hacks. We have narrowed down the top four secrets that can make your cruising experience even more fun. Don’t go for advance booking We understand this goes against conventional travel logic. But cruise lines are desperately on the lookout for passengers in the last two or three months before departure. This is when they will try to book and sell all available accommodation at discounted prices—a neat little trick to get a better upgrade without spending more. Eat all you can You might not be aware that most cruise ships don’t have a restriction on entrées, mains, and desserts in the main dining area. You can enjoy multiple servings and even ask for bigger portion sizes. Some cruise lines also offer special discounts on alternative dining options for the first night apart from the main dining hall or buffet. Don’t overpay for single drinks Drinking is one of the most enjoyable activities apart from dining, especially on long-haul journeys.
4 foods to avoid on a cruise
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4 foods to avoid on a cruise

Cruise ships are known for their mouth-watering array of dishes and all-you-can-eat buffets. And with the amount of time we spend on most cruises, it’s easy to try just about everything on the menu. However, as tasty as all of it sounds, some dishes are best steered clear from since they can give you an upset stomach. Here are four such foods that people must avoid eating on a cruise. 4 foods to stay away from on cruises Raw eggs Eggs are healthy for our overall health, but the way they are cooked can also make a difference. On a cruise, eating eggs sunny-side-up can upset the system. As they are runny and might be slightly undercooked, the protein may contain salmonella or listeria remnants unless it is cooked to at least 160 degrees. Oysters Everyone loves cracking open and eating fresh oysters on a cruise, especially with a drink. But fresh oysters that are not cleaned appropriately by the staff may put one at risk of contracting Vibrio bacteria. The bacteria may lead to vibriosis, a disease that leads to symptoms like nausea, vomiting, fever, and chills. Unpasteurized milk The milk served on a cruise is often pasteurized. But cruises may use unpasteurized milk too.
6 cruise hacks and tips to know before sailing
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6 cruise hacks and tips to know before sailing

A cruise ship is like a world by itself. It is relaxing and has nearly everything you need to spend several days or even weeks away from home. As comforting as that may sound, boarding a cruise can be daunting for first-time travelers. So, if you’re leaving on your first cruise, here are some useful hacks and tips that can help you save money and make your cruising experience hassle-free. Avoid overpacking Cruise cabins are usually small and do not have much storage space. So, bringing a lot of different outfits and matching shoes isn’t a good idea. Instead, bring a capsule wardrobe and mix and match as much as possible. Bring your own alcohol   You don’t need to splurge on costly drinks on board, as many cruise lines allow travelers to bring their drinks. However, there’s usually a limit on how much alcohol you can carry, so make sure to check with your cruise line. Book shore excursions through private tours  If you’re planning on any shore excursion, don’t book directly through your cruise line. Though it’s convenient, cruise lines charge exorbitant excursion fees and still may fail to offer the kind of experience independent tour operators can provide.
Tips to choose the right pair of sunglasses
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Tips to choose the right pair of sunglasses

Finding the ideal pair of sunglasses is not easy in most cases. Earlier, making the right choice was all about the style of the frame and color of the glasses. But today, with advanced technology, there are several things to consider that go way beyond appearance. Before you go shopping for sunglasses, take a look at a few tips that will help you select the right one. Look for a customizable fit Gone are the days when you struggled to keep your sunglasses on your face as you can now get options with an adjustable fit. Take a pair of black Oakley® KATO sunglasses with Prizm™ lens technology, for example. It has nose pads, a tilt feature, and an ergonomic design for an exact fit. If this particular choice is outside your budget, look for these little features before you order a new pair of sunglasses. UVA and UVB protection are a must This one is a no-brainer since you will be spending a substantial amount of time outdoors wearing your sunglasses. So, choose the pair with maximum ultraviolet protection. This will prevent the harmful rays of the sun from damaging your eyes. Avoid buying glasses that don’t have a tag highlighting the UV-protection information.
5 simple ways to get cheap flight tickets
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5 simple ways to get cheap flight tickets

When you go the extra mile to plan a budget vacation, why overpay for flying to your next destination? There are many ways to save money on airline bookings online. And yes, we’re not just talking about using discount codes and coupons that pop up as soon as you hit that search button. These tips and tricks to negotiate search to your advantage can ensure you get a cheap flight every time you plan a vacation. Have a look! Book in advance It is always a good idea to book your tickets in advance. But just how early? To get the lowest possible fare, book your tickets at least 50 days in advance. That is roughly around seven weeks prior to your travel dates. A data analysis done by the Airlines Reporting Corporation shows this consistent trend of booking for cheap tickets. It may not be a sure way of getting the best fare but nevertheless you can enjoy advance booking offers available with major airlines. Go incognito Long story short, incognito mode hides search information from airlines that employ algorithms to track results. You might have noticed some airline fares may show a different amount after you’ve searched for the same flight multiple times.

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A look at some of the best free investment advisors
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A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
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Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
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Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
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6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
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Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
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6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
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Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
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Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
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Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
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All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
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5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.