The Ultimate Control for Your Budget During A Vacation or Road Trip

For holiday makers who would love to travel for a considerably long period of time, prepaid travel credit cards can be the best budget control tool to use while on vacation. These cards are more like travelers checks but they are relatively hassle-free. All the card holder needs to do is load it before traveling and use it to spend or withdraw cash just as one would use a debit card. And because they’re preloaded, one can keep tight control of the spending during holiday or trip.

Are They Safe?

Most of them are offered or backed by reputable banks and building societies hence they are completely safe. Ideally, when one loads cash into a prepaid card, the cash goes directly into a ring-fenced account that’s separate from the card provider’s account. This means if the prepaid card company runs out of money, the card holder’s money will still be retained in the bank or building society the individual has banked the money in. However, should the bank the holder is registered with go bust, the cash in question will not be protected. Hence, choosing to work with a reputable banking institution is very important to anyone wishing to use the credit card.

What Will Happen If One Is Lost Or Stolen?

After the card is lost or stolen, the first thing the holder should do is contact the provider of the prepaid card to get it blocked. And to continue using the services of the credit card, one might need to replace the stolen Card. It might cost some few bucks but it’s the only way through which one can continue enjoying the money and services using the credit card. Those wishing to acquire prepaid credit cards should pay attention to credit cards that are without contacts. Contactless cards, if stolen, can be used in carrying out a series of fraudulent transactions which might result in the card holder losing lots of money.

Do Prepaid Credit Card Providers Offer Higher Exchange Rates?

While most of the specialist cards that use Visa and MasterCard offer almost similar exchange rates, prepaid cards tend to use different rates most of the time. When setting exchange rates, prepaid credit cards usually take a certain percentage as their exchange fees. Hence, it’s upon the individual wishing to acquire the card to do a comparison between the ‘perfect exchange rate’ in the market and prepaid card rates to identify the best.

Are Prepaid Card Exchange Rates Affected By Currency Fluctuations?

Unlike the conventional credit and debit cards that provide different exchange rates depending on the day the holder spends, prepaid credit cards only use the same exchange rate which was set on the day the card was loaded. The lock-in rate is very important and can either work for or against the card holder. For instance, if the dollar or pound weakens, the card holder wins because the rate is high and fixed. On the other hand, if the currency in question strengthens, the card user will not be able to enjoy the high exchange rate when spending on the particular day. But generally, prepaid cards are the best for holiday makers because one is guaranteed of a fixed rate throughout the holiday period.

3 Reasons to Choose Tour Operators for Outdoor Tours

Gone are the days when people relied on avail on-the-spot booking for hotels and other essential amenities when they travelled to an unknown city or a country. It happened so as there were no means of communication and there were no other option. Things have become a lot easier with the Internet coming to rescue people where planning for a holiday has become comfortable with a single click of a button. You get to access flight details, hotel reservations, tickets for sightseeing and everything from your computer and without having to be physically present.

Why would you choose tour operators over personal preferences?

Even though there are various budget airlines and other discounted services from varied holiday portals, people often look out for professional tour operators to help them with planning holidays and tours for them. Tour operators are into this business for a cause. They are the ones who form a bridge between the common people and the tourism destinations. You may have several notions about tour operators being extremely expensive and fear the loss of freedom where you have a set itinerary to follow. Here are a few reasons that may have you feel differently about their services after you are done with reading it.

• Better information and awareness – They are the ones who are into the business and have experiences with arranging outdoor tours for people. With frequent customers visiting various cities and countries with their help, they are aware of the amenities available in the city of travel. They are the best people to suggest on hotels, restaurants, sightseeing locales, etc. and accordingly helping you to make the necessary bookings. They are aware of the local traditions, language and food and thus helping visitors and tourists to be at ease while they are there.

• Cheap on the pocket – As they organise frequent tours and each group has several members travelling to the same destination, they are eligible for bulk discounts for airline booking, hotel bookings, tickets for sightseeing, etc. This is something that relieves your finances as you would have ended up spending double than what the tour operators charge from you. Even though you are bound to stay together with your group, you often get to spend less when charges for several amenities get divided amongst the rest.

• Allows you to cover all places with ease – While you plan to visit a city or a country, you would want to include all the locales that are worth watching. While you move out individually, you do not always get to cover everything in a short span. Whereas, a tour operator would plan an itinerary for you that would include packed schedules allowing you to cover all that you wanted to see while visiting the place. This would allow you to accomplish your reason to visit the place and thus to give you beautiful memories to go home with