TRAVEL INSURANCE – A NEED TO KNOW GUIDE?





I will explain to you everything you need to know about travel insurance, in general terms


Travel Insurance – A Need to Know guide?

Travel insurance will cover the adverse holiday event such as cancellation and interruption and reimburses medical expenses, the loss or damage of property and transit delays.

Travel insurance is a common think with the millions of travelers and holidaymakers purchase some form of insurance companies in each and every year, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection and get reimbursed fairly without any disruption.

Let’s get the understand about the main categories of travel insurance:

  • Health and Medical reasons

When the traveling time you will face some kind of emergency evacuation: In such a situation travel insurance will guarantee emergency transportation to either a local hospital in the event that the somebody is unable to fulfill those by themselves or back to a hospital close to the traveler’s home city. If relations square measure coated on identical policy, they'll travel back home additionally. 

Medical reasons: This reimburses emergency medical and dental expenses. Nearly all vacation insurance plans work by reimbursing the somebody once they need paid regionally for treatment. Claims are typically paid inside seven-ten operating days. Pre-existing medical conditions are coated by most policies if the policy is purchased inside (at the most) twenty-one days from the date the somebody created the primary payment or deposit.



  • Delays and cancellation or curtailment


Cancellation: Reimbursement comes into result if travelers have engaged and purchased a vacation, however area unit unable to embark due to personal unhealthiness or injury, death (of the individual or of a family member), adverse atmospheric condition, transport strikes, terrorism, bankruptcy, abrupt state, civic duty or by sustaining serious injury to their home inflicting it to be unlivable thanks to fire or flooding.

Delay: This reimburses travelers for building, food or vesture expenses within the event of a flight delay. Some plans additionally cowl prices related to catching up with a cruise ought to another delay cause the person to miss going away.
Interruption: Insurance companies pay money to policyholders abroad if they have to cut short their trip due to illness, death (of the traveler or a family member), terrorism, weather, airline strikes, bankruptcy, abrupt state, and alternative adverse conditions that mean that, thanks to events outside the management of the holiday-maker, a visit must be curtailed.

  • Death:


Accidental death – covers death or dismemberment at any time of your trip. Usually, guarantee the lowest amount of coverage due to a higher risk
Air Flight accident – this covers death or torturing throughout AN air flight solely. Usually guarantee the highest amount of coverage due to fairly low likelihood of this occurring.
Common carrier – Covers death or torturing whereas movement on transport like a plane, ferry, train bus or taxi.


  • Loss or damage of property:


Baggage loss – reimburses travelers for lost, stolen or damaged personal items. This coverage is sometimes restricted to the length of the trip and not confined to baggage broken or lost by the airline. There are 2 policy limits, total claim and per item maximum. Some policies conjointly place limits on the sort of things that may be claimed for – like precious jewelry, laptops and sporting goods

Assistance services – guarantee 24-hour collect telephone advice and assistance service to travelers. This service is used anytime a traveler desires recommendation. Make sure you retain a duplicate of this range in many places in your bags or on your person once you move around.





















Have a safe journey! 

DEPRESSION HEAD ON






Are you continually feeling sick? Frequently not in the state of good and clear mind to associate with others and have a decent time? In case you're facing delayed trouble for a long while now, you should confront these episodes of wretchedness and get yourself analyzed by a specialist, they're specialists who can really assist you with an excursion with your concern. 

Sadness or delayed trouble is entirely basic in the USA, around 9.5% of the American common people really experience the ill effects of this sickness, be that as it may, not every one of them get the opportunity to be dealt with, hence, misery and its evil impacts keep on being a weight to certain people. This condition may begin to be very easy to treat however commonly; it takes all-around parking up to really fix misery. Consistent visits to an intellectual conduct specialist is an unquestionable requirement just as taking all the endorsed medications that the specialist will request that the patient take – none of these precisely come modest, however, the measure of enduring that an individual is experiencing a direct result of sorrow is sufficient reason as of now for others to begin paying heed and face despondency head on. 

Sorrow periodically can without much of a stretch impede a person's day by day exercises and their typical capacities, one's get-up-and-go can rapidly and effectively disperse because of sadness. What's more, instead of a person's radiant manner is pretty much an individual who despises his or herself, having no fearlessness, attempting to disconnect one's self from the world and essentially just not thinking about living any more. Even more thus, an individual experiencing discouragement isn't the one who will experience the ill effects of this damaging sickness, their friends and family make certain to take action accordingly. By observing the individual develop through such unpleasant patches, essentially not thinking about anything or anybody any longer, all things considered, not exclusively will wretchedness one's association with one's self however with their friends and family as well. 
























Luckily discouragement would now be able to be relieved, particularly when analyzed early, discouraged people can really be treated through treatment and prescription, in spite of the fact that it might be somewhat exorbitant, an individual's decent emotional well-being is something that shouldn't be rationed. Intellectual social talk or relational talk is only a portion of the accessible psychosocial medications that psychological conduct advisors can offer to their patients, both really demonstrate to have the option to create productive and positive outcomes. 

All things considered, individuals tend to not perceive misery even it's privilege before their eyes, being straightforward with one's self is vital to have the option to fix such a disease. Never neglect the different manifestations, discouraged people customarily display strange practices, for example, all of a sudden lacking enthusiasm for one's side interests (or other stuff that the individual generally appreciates), dozes excessively or really aren't ready to go to bed, all of a sudden turning out to be hostile to social, rambles about death or being a useless individual. There are in reality much progressively different manifestations yet on the off chance that these effectively fit in your class or of somebody that you are aware of, go to a legitimate specialist on the double so as to check whether the downturn is still at a beginning time or not. From here you'll have the option to survey how the medicines will really go. 




















Discouragement shouldn't be something that individuals dread of, rather, individuals should simply begin assuming responsibility for their lives and really face this ailment and battle it. Life is too delightful a blessing to squander and if one will spend most of their life simply sulking around about each and every easily overlooked detail than what sort of life would that be? Sadness may not slaughter one's body yet it'll surely execute one's soul on the off chance that you'll let it. Try not to be an unfortunate casualty.

Have a nice day !!


WHAT IS A KETO DIET



The Ketogenic weight loss program is the meals with ultimate low carb, moderate in protein, and prosperous in the fats food regimen to use in order to the weight loss. Even it’s with the low portion of the important nutrition, science has confirmed this to be fairly tremendous for the humans who are willing to lose their weight.


Of course, this does now not mean you can indulge in oily meals and animal proteins all the time, because there are various exceedingly important pointers to strictly follow to keep away from gaining even more weight or, worse, developing a cardiovascular sickness while on the Keto diet.



However, it was once no longer at first designed to be so. Over eight a long time ago, it was once used as a mainstream of therapy to help treat epilepsy in children, but it used to be soon located that it conditions the physique to burn fat as an alternative of carbohydrates for energy. Therefore, those who observe the Keto eating regimen quit up losing a great quantity of extra weight compared to those who eat high fats and excessive carb foods.

In addition, the Keto eating regimen indicates promising effects in lowering the danger of the development of neurological problems such as Alzheimer’s ailment and Parkinson’s disease. While the specific cause for this is yet to be found in detail, the overall explanation suggests that the central nervous machine prospers in a weight loss plan that motives the body to use fats – not glucose – as its foremost energy source. 

It is important to note, however, that weight loss and other health advantages of the Keto diet would solely take location as soon as the body has transitioned from being glucose-dependent to being Keto-adapted – an effect that requires a minimal of 15 days of strictly following the Keto diet. Once you have turn out to be keto-adapted, you have to stick to the Keto food regimen for the relaxation of their life. Otherwise, going back to a weight loss plan prosperous in carbs and fats will reason you to go again to being established on glucose, accordingly resulting in weight gain.

SELF IMPROVEMENT (YES I CAN)


















If only self-improvement guidance was free and spread all around everywhere, then there will be no problem regarding all our life, happiness and success will readymade. But then again, this is life. And it does not work that way.

What would you do if you are stuck in an environment that you have never expected? Such as boring job position with a team of horrible people.

What can we do to resolve this unsuccess?

Can you stay and inspired and motivated action to survive your present situation and live the life you always dreamed of.

It is not that easy as we, though right?  You will have to come out of your comfort zones to discover potentials and opportunities waiting for you. You must conquer your fear and take calculated risks. You must stay focused and persevere despite the difficulties you will encounter.

Success does not come easy even we wish too. It takes heart, passion and time. Experience is another main factor that we have never thought. The learning you get everybody to become your groundwork.

You have to be a hard worker as well as dig deeper and lose more to attain your aspirations. But no, you do not have to hate the world and feel bad when you encounter difficult situations. Just remember the Law of Attraction. If you hate the world, the world will hate you back.














What can you do?

Below are some free suggestions to help you when facing difficult situations in life. They will also serve as your guide to improve yourself and never forget to believe YES I CAN.

  • Find out the way to love your current situation. Ignore the negative side and see all the positive sides of life. Be enthusiastic. Love your boss, your coworkers, your family, your friends, and even strangers that you meet on the streets and fell they are like your friends.


  • It may not be as easy as ABC, but nothing is impossible with a strong will mind. Only do not fall in love so much that you totally forget about your dreams. Love, but try to hold on to realism on your mind.


  • Balance is the key to success. Dream and take some positive action to move you toward your goals. Take it one step at a time.


Whilst you are slowly starting on the long journey to success, be patient and be as enthusiastic as possible. Do not hurry up too much that you totally forget how to enjoy life. Appreciate the beautiful things you will encounter on the journey.

One day, you will finally attain what you have always longed for. But when that day comes, do not look down on those who belittled you. Forgive and forget.

  • Stay simple. Do not disparage others when you see that you are becoming more successful than they are in their lives. Try to help them more and more. Inject your positive aura into their personalities. When you give, you will yield back equal or greater rewards.


  • Are you ready to begin your journey to achieve success? Start it with the courage and desire to improve your life. Survive and go through it with persistence, enthusiasm, and positive thinking. Finish it with a resounding bang of accomplishment and with the desire to help others succeed as well.


We can give you many more self-improvement advice that will get as you get on with your daily life. Believe that you are not alone on this planet. There are others in much more difficult situations than you and me. That is why is there will be a shortage of free advice about self-improvement you can get from other people who are only too happy to help. Be happy @ every time.

Have a Nice Day

මුදල් කළමනාකරණය





අවුරුද්ද පුරාම මුදල් ඔබ සමඟ නොසිටිනු ඇත. පුද්ගලයෙකුගේ හෝ පවුලක මූල්‍ය සම්පත් සහ ආදායම ගැන කතා කරන විට එහි බොහෝ විට පසුබෑමක් තිබේ.  ඹබ මූල්‍ය දුෂ්කරතා සමඟ කටයුතු කිරීමේදී, හැකි ඉක්මනින් අයවැයකරණ ක්‍රමයක් තිබිය යුතුය. ඔබ ළග ති‌බෙන මුදල් වලින් මිලදී ගැනීම් සහ ඉතිරි කිරීම්  ප්‍රගුණ කරන්නේ කෙසේද යන්න පිළිබඳව අපට අවශ්‍යතාවයක් පවතී. එය එක්තරා විදියක කලාවකි.

ඔබේ රැකියාවෙන් ඔබ ඉල්ලා සිටින සියළු දේවල් කිරීමට ඔබ තවමත් පුරුදු වී නොමැති විට, වැරදි සිදු කිරීම සාමාන්‍ය දෙයකි. එහෙත්, දිගු කාලීනව ඔබ නිසැකවම කනගාටු වන එම වැරදි නොකරන්න. ඔබට හැකි ඉක්මනින්, ඔබේ මුදල් අයවැය ගත කිරීම සඳහා කළමණාකරනය කිරීමේ ක්‍රමයක් ඔබ විසින් වර්ධනය කළ යුතුය. ඔබට ඔබට මතක් කර දිය හැකි ඉඟි කිහිපයක් තිබේ. මේවා ඔබේ මුදල් අයවැය ගත කරන ආකාරය වැඩිදියුණු කිරීම සඳහා හොඳ මාර්ග සෑදීම හෝ ස්ථාපිත කිරීම සඳහා ඔබට භාවිතා කළ හැකි කරුණු වේ.

  1. ඔබේ අනවශ්‍ය අයවැය පුරුදු ලැයිස්තුවක් සාදන්න. ඔබට සහ ඔබේ මූල්‍ය අවශ්‍යතා සහ මූල්‍ය සුරක්‍ෂිතතාවයට ප්‍රයෝජනවත් හෝ ප්‍රයෝජනවත් නොවන බව ඔබ සිතන සියල්ලන් මෙයට ඇතුළත් වේ.
  2. Budget - ඔබේ අයවැය ක්‍රමය අසාර්ථක වූ ඔබේ පැරණි පුරුදු හෝ ක්‍රියාවන් වෙනස් කිරීමේ පළමු පියවර ගැනීම සඳහා කළ යුතු දේ පිළිබඳව ඔබ සැලසුම් කරයි.
  3. එවැනි තොරතුරු වර්ගීකරණයක් සකස් කිරීමෙන් ඔබේ ආදායම සහ ඔබ වියදම් කරන මුදල කළමනාකරණය කරන්න.
  4. ඔබේ වියදම් සැලැස්ම සකස් කරන්න. ඔබගේ සැළසුම් කළ වියදම් මෙයට ඇතුළත් විය යුතුය.
  5. ලැබීම් එකතු කර ලොක ගනන් වියදම් කළ දේවල් වල මුදල සටහන් කරන්න ඒ සඳහා විකල්ප කිහිපයක් සොයමින් වියදම් සීමා කරන්න. උදාහරණයක් විදියට ඔයාගෙ විදුලි මිල වැඩිවම් ඒ්ක අඩුකරන්නෙ කොහොමද කියල හිතල බලන්න. මාසෙටම අවශ්‍ය බඩු (නරක නොවන) ඔක්කොම එක සැරේ ගේනවා.මේවට debit card එකෙන්ම ගෙවනවා. එළවලු, පලතුරු
  6. හැකිතාක් දුරට ක්‍රෙඩිට් කාඩ් හෝ චෙක්පත් භාවිතා නොකරන්න.
ඉහත සඳහන් කරුණු ඇත්තෙන්ම ඔබට හොඳ මතක් කිරීමකි. අනුගමනය කරන්නේ නම්, ඔබේ අයවැය කළමණාකරනයේ වැඩි දියුණුවක් ඔබට පැහැදිලිව පෙනෙනු ඇත. එය නිසැකවම ඔබට වඩා හොඳ මූල්‍ය කළමනාකරණ හැකියාවන් ඇති කරයි.

මෙය හුරැ කර ගත් විට, ඔබ අනිවාර්යයෙන්ම වඩා සතුටුදායක ජීවිතයක් ගත කරනු ඇත. කෙනෙකුගේ ස්වයං මූල්‍යකරණ ක්ෂේත්‍රයේ ජයග්‍රාහකයෙකු ලෙස ඔබට අවශ්‍ය දේ අයවැය ගත කරන ආකාරය පිළිබඳ නිවැරදි ක්‍රමය.

අපි අපේ වියදම් කළමනාකරණය කරන මම attach කරලා තියෙන Excel sheet එක යොදා ගන්න පුළුවන්. මේක මම download කර ගත්තු එකක්. මේ වගේ ගොඩක් documents තියෙනවා search කලාම. පහත link එකේ share කරලා තියෙනවා. ඔයාලට මේ File  ඔයාගෙ ඒක email එකට ගෙන්න ගන්න ඔ්නෙ නම් පහල comment section ඒකට ඔයාගෙ email දාන්න.


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සුබ දවසක්




මිහිපිට සුර ලොවක් බදු මාලදිවයින් දූපත්



මාලදිවයින කියන්නේ ලෝකේ තියෙන සුන්දරම දුපත් වලට හිමිකම් කියන රටක්.මෙලෙස මනරම් සුදු පැහැති වෙරල තීරයකිනුත් නිල්වන් මුහුදෙනුත් වට වෙලා තියෙන මාලදිවයින් දුපත් මිහිපිට සුර ලොවක් බදුය. බලන්න මාලදිවයින ගැන තියෙන මේ ජයාරූප ටික දැක්කම ඔබට මොනවද හිතෙන්නේ කියල.


ඔබ මුහුදේ ඇති ජලයේ වර්ණ සංසන්දනය කරන විට, ඔබට සැමවිටම මාලදිවයින පැහැදිලි ජලයක් ඇති රටක් ලෙස පෙනෙනු ඇත. නමුත් ඒ සඳහා හේතුව ඔබ කවදා හෝ කල්පනා කර තිබේද?







ඔබ විද්‍යාත්මකව ‌සොයා බැලුවහොත්, එක් හේතුවක් වන්නේ පෘථිවියේ භ්‍රමණය බවයි. පෘථිවිය බටහිර සිට නැගෙනහිරට භ්‍රමණය වන විට මුහුදු ජලය එම දිශාවට ගමන් කරන අතර මාලදිවයින පිහිටා ඇත්තේ අඳුරු ජලය මුහුදෙන් ඇද ගන්නා ස්ථානයක ය.

තවත් හේතුවක් වන්නේ ජලයට ඇතුළත් වන ආදේශක ය. සූර්ය කිරණ ජලයේ ඇති ද්‍රව්‍ය වලින් පිළිබිඹු වන බැවින් ජලයේ වර්ණය මෙයින් සෘජු බලපෑමක් ඇති කරයි. මාලදිවයිනේ ජලයේ කොරල් පර සහ “ෆයිටොප්ලැන්ක්ටන්” (phytoplankton) ඇති අතර එය ආලෝකයෙන් නිල් සහ කොළ අවශෝෂණය කර පරාවර්තනය හේතුවෙන් පිරිසිදු ජලය ඇති කරයි.

මාලදිවයිනේ මුහුද අඩුම මුහුදට අමතරව මාලදිවයිනේ උෂ්ණත්වය නිසා ජලය ඉතා පැහැදිලිව පෙනේ. ජලය උණුසුම් බැවින් එය උණු වතුරේ අඩු ආනති තත්වය නිසා දෘශ්‍යතාව වැඩි කරයි.

මෙම හේතූන් නිසා මාලදිවයිනේ ජලය එතරම් පැහැදිලිව පෙනෙන අතර එය බොහෝ සංචාරකයින් ආකර්ෂණය කරයි. මතුපිට සිට පවා මුහුදු පතුලේ දර්ශනය පැහැදිලිව දැකීමට අකමැති කවුද?




ඉහත ජායාරැයෙන් දැක්වෙන්නේ මාලදිවයිනේ අගනුවර ‌ලෙස සැලකෙන මාලේ දූපතයි




Plants You Should Put In Your Bedroom For Sounder Sleep, Remove Stress, and Anxiety




If you suffer from lack of sleep, deal with stress and anxiety daily, you are not alone. You have looked for relief at your local pharmacy, but many of these drugs leave you feeling out-of-focus during the day and still leave you without the right solution.

What you might not realize, nature has the best solutions for sleeplessness, anxiety, and stress. Natural solutions are not only safe to help you cope with your issues but, unlike drugs, are not addictive.

We all know about over-the-counter natural remedies, what you might not know, plants are one of the very best solutions to help you feel more relaxed, help you sleep soundly, and give you the energy you need to carry on during the day. Placing plants in your bedroom will provide everything you need to unload your unwanted issues.

Here are some of the very best plants you should place in your bedroom and discover their excellent healing properties:

Lavender:

Lavender has long been one of the must-have plants for relieving stress and allowing for a perfect night's sleep. Based on a finding in 2013, the Complementary and Alternative Medicine said lavender has shown to reduce stress, help people relax, and leave behind a sense of well-being. A study was taken with 15 healthy students, 64 patients suffering from heart disease, and 34 middle-aged women with insomnia showed excellent results.

Jasmine:

Jasmine is a shrub or vine in the olive family Oleaceae. It has shown to relieve anxiety and improve mood and attitudes in people when they get up in the morning. It's well worth your time considering this plant for your bedroom.

Aloe Vera:

Aloe Vera is a succulent plant and an evergreen perennial. This plant has been used for medicinal purposes for a very long time. Studies have shown it provides relaxation for calming your body down.

Valerian:

When the flower's roots and rhizome are dried out, it's been used as a supplement. Studies have shown that when inhaled, this plant will help people who have insomnia to go to sleep. When inhaled, people sleep longer and have a better night's rest.

Gardenia:

This lovely flowering plant is in the coffee family, Rubiaceae. It's native to tropical areas including the Pacific Islands, Asia, Madagascar, and Africa. Studies have shown this plant is an excellent alternative to sleeping pills and is also a beautiful plant for your bedroom with its glossy dark green leaves and beautiful white flowers.

English Ivy:

This plant is known for absorbing many airborne toxins, including formaldehyde. This is a beautiful climbing plant that will thrive in environments that have low light and low temperatures. If you want clean air while sleeping and create an atmosphere for a lovely climbing plant, you should bring in English Ivy.

The Peace Lily:

The Peace Lily is a tropical evergreen plant that grows on the ground of forests. This plant thrives in spotted sunlight and moist conditions. The Peace Lily is an excellent choice for your bedroom and is known to remove toxins from the air for a cleaner environment. As long as they have good moisture, this plant thrives in shade and semi-shade.

The Snake Plant:

This plant will grow very well both inside and outside. Japanese research was performed and found this plant will absorb many hazardous chemicals, leaving the surrounding area cleaner. At night, the flower releases oxygen which will improve your quality of sleep. It's known to remove many hazardous toxins, including formaldehyde, toluene, benzene, and as-xylene.

Golden Pothos:

This plant is in the Araceae family and is an evergreen. It's often known as Devil's Ivy or Money Plant and is a robust indoor plant. It's another plant that is excellent for purifying your air quality, removing the toxins formaldehyde and monoxide. An air study performed by NASA has found that this plant is one of the leading air-purifying plants.

Gerbera Daisies:

This daisy is in the Asteraceae family and is popularly grown for its bright flowers that range from yellow to salmon, orange to pink, and white. They grow in various sizes from 2 to 5-inches across. The plant emits oxygen during the night, allowing you to enjoy a better night's sleep and improve your overall breathing. This plant does require a lot of attention and therefore is probably better suited for people with green thumbs.