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  Travel

  Last-Minute Vacations at the Best Prices

  The concept of impromptu travel can seem very appealing in the fast paced modern world. If you are looking to get away from the day to day, to recharge your batteries or even just todiscover a new place, then a last-minute vacation might be just what you are looking for.However, with the right strategies, you can score amazing deals and ensure your spontaneous trip is one to remember while keeping costs low. Here's how to book a last-minute vacation on a budget.1.Be Open to Your DestinationBeing flexible is the most important thing when looking to get the best last minute deals. Think in terms of a spectrum of destinations rather than a single location. Use flight comparison tools like Google Flights, Skyscanner or Kayak to help you explore options based on price instead of place. These give you “explore”features that show you the cheapest flights to various places so you can pick a destination within your price range. Last-minute popular destinations include cities that always seem to have flight deals, like Las Vegas and Cancun or European capital cities like Lisbon or Budapest.2.Travel During Off-Peak TimesWhen it comes to saving money, timing is everything. Last-minute vacations on the off-seasons or mid-week, for example, can save a traveler tons of bucks. Airlines, hotels and tour operators often cut prices to fill empty seats and rooms in off-peak times. For instance, a trip to tropical locations in the rainy season or a ski destination in late spring will often come with reduced prices. Flying on Tuesday or Wednesday is also generally less expensive than flying on weekends.3.Use Last-Minute Deal WebsitesSeveral sites specialize in last-minutetravel deals. Platforms like Lastminute.com, Expedia's “Last-Minute Deals”and Priceline's“Express Deals”focus on package deals for discounted flights and hotels as well as car rentals. Subscription services such as Scott's Cheap Flights or Secret Flying also ping you when flash sales and error fares appear — a good way to snag an unbeatable deal.4.Look into Different Types of AccommodationsHotels get all the publicity,but alternatives like Airbnbor Vrbocan save you big, particularly on last-minute bookings. Most hosts reduce their prices to fill up any space, and you might stumble upon unique places to stay for a fraction of the price. And there are house-sitting platforms such as TrustedHousesitters where you can stay in someone's home for no cost in exchange for looking after their pets or property.5.Pack Light and Be Ready to GoAnother great thing about last-minute travel is that it forces you to pack quickly and efficiently. Heading out with nothing but a carry-on helps you avoid luggage fees and makes it easier to take advantage of last-minute flight deals. Have travel documents, toiletries, and a flexible wardrobe packed and ready to go so you can book and leave in hours.6.Use Points and MilesIf you've been hoarding credit card points or airline miles, a spur-of-the-moment vacation is a great opportunity to cash them in. Most loyalty programs allow for last-minute redemptions, and you may have more options for award seats or hotel rooms available during off-peak times. Look at your accounts to see if you can pay for part, or all, of your trip with points.7.Book Activities in AdvanceAlthough the fun of spontaneity is a tube ride or bus tour away, scheduling important activities or tours in advance can save you money and prevent you from missing must-see destinations. Search for discounted tickets on sites like Viator or GetYourGuide, or look up city passes, which package multiple attractions at a discount.So in summary, a last minute trip doesn't have to cost the earth or be overly stressful. With some flexibility, research and creativity, you can score amazing deals and create memorableexperiences. So why wait? Today, start planning your spontaneous getaway and jump at the best deals you can get.
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  Travel

  Must-Play Attractions at Universal Studios Hollywood

  Universal Studios Hollywood, the Entertainment Capital of Los Angeles, includes a lot of exciting attractions and activities, including 9 thrilling rides and much more. Faster, closer, fresher, it’s the one and only destination for all things that matter on the big screen.Below is a list of Universal Studios Hollywood must sees.
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  Finance

  Universal Life Insurance and Term Life Insurance

  While bothterm life insurance and universal life insurance are primarily designed to provide a death benefit, they differ enormously in structure, cost, flexibility and long-term benefits. Understanding these differences is crucial in deciding on the one that is most appropriate for your funding needs and total financial targets.1.Term Life Insurance:Straightforward and Cost-EffectiveTerm life insurance provides limited coverage, usually, 10 to 30 years. A death benefit will be paid out to his or her beneficiaries if the insured passes away while the policy is still in effect. But if the policyholder dies before the end of the term, the coverage ends with no benefits paid out.This straightforward nature of term life insurance, compared with more complex options, makes it appealing to those who only need temporary insurance, when their family needs protecting, paying off a mortgage, or raising children, as needed.The main advantage of term life insurance is that it is cheap. They have relatively low premiums, and thus are an affordable option for younger people or anyone on a restrictive budget when compared to permanent life insurance products, such as universal life insurance. Another reason is that most term life insurance policies are straightforward and typically have fixed premiums and a guaranteed death benefit for the entirety of the term. This financial predictability permitspolicyholders to plan their finances without fretting over fluctuating expenses.But term life insurance is not without drawbacks. Because it doesn't grow a cash component, it is simply coverage, since there'sno investment or savings element. At the end of a term, the policyholder canrenew the policy — typically at a higher premium — or buy, a new one. But for those who want coverage for life or a financial vehicle that offers both protection and savings, universal life insurance might be a better match.2.Universal Life Insurance: Costs and LongevityOne major reason to consider universal life insurance is the flexibility it provides. Policy holders may also vary payments of premium and death benefits within certain ranges, allowing policyholders the ability to fit the policy to their evolving financial situation. For instance, if a policyholder goes through a temporary financial hardship, they might be allowed to reduce their premium payments or use the cash value to pay expenses. On the other hand, when their financial conditionbecomes better, they could raise their premiums to speed up the cash value growing faster.The cash value element also allows for growth on a tax-deferred basis, so interest earned is not taxed until taken out. Especially useful for those who are seeking retirement income or an estate to pass on to their heirs, this can be a powerful tool for long-term financial planning. Moreover, universal life insurance policies typically allow you to invest the cash value in different accounts, which can sometimes lead to better returns.But that flexibilityand those benefits also have a price. Because premiums are more expensivethan term life insurance universal life insurance, making it less accessible if you're on a budget. This policy also can be complicatedand understanding how premiums impact cash value, death benefits adds up to a comprehensive picture that often requires professional help. Moreover, if not managed correctly, the cash value can disappear, and thepolicy may lapse, leaving the insured with no coverage.Ultimately, both term life and universal life has come with their own set ofpros and cons. By taking a close look at your finances and the goals for the future, you can find the right policy that best fits your needs and offers your heirs the protection they need. A financial advisor can also be useful in navigating the intricacies of life insurance so that youcan make an informed decision.