Summer Vacation – Why Your Family Should Take A Summer Vacation

Year on year, an ever increasing number of families make the decision to take a summer vacation. Despite the fact that a large number of individuals and families do take off and have a summer vacation, there are even more families that do not. Which type of family are you?

How often have you said or have heard someone else say “I need a holiday”.

As a family, we have businesses online and offline and we find that it is all too easy to work 14/7 (or at least it feels like it) with no respite or let up. This is not good for anybody. We all need and deserve a summer vacation so why do some people forgo this great opportunity to relax, have fun and recharge the batteries?

There are a number of reasons why a particular family may be unable to take a summer vacation. Family budget and cost is one of the most common reasons. Unfortunately, many individuals mistakenly believe that a vacation is going to be cost prohibitive otherwise it will not be a good vacation.

Listen, it doesn’t matter whether you spend a few days at the beach, travel to the closest amusement park, stay a few days at a camp site, or travel overseas, they can all be considered as a summer vacation.

I remember once asking my late father-in-law if he has a good time after one trip. He replied that he had had a great time adding “If you don’t enjoy yourself, you only have yourself to blame”. OK there may be times when events are out of our control but the point is that it is up to us to make the most of our circumstances and we can have a great summer vacation no matter how short or long, far or nearer to home.

Sadly, more and more families are unable to take a family vacation due to their busy schedules. Summer vacations are popular because they are often the only time that a family can take a break from their work commitments and routines.

Although, sometimes, we find it difficult, I strongly recommend that you set aside time, whether it be three days or three weeks, to schedule a summer vacation with your family. We regularly find that when we do, we appreciate the untold number of benefits.

Perhaps, the greatest benefit of scheduling a summer vacation with your family is the amount of time that you will be able to spend together, enjoying each others company and having fun together.

Believe me these opportunities don’t last forever. We have two teenagers, one of whom starts university later this year. The other has just turned 15 and wants to spend all of his free time with his mates. So, we know that we have to make the most of the chances we have now before the kids decide that they want to do their own summer vacation thing.

Many families are rarely able to spend time together. Long work hours, homework, and busy sports schedules often prevent a family from enjoying dinner or other fun activities together. In some cases, a summer vacation is the only way that a family can spend uninterrupted quality time together.

For me, another “biggie” is relaxation.

People talk about how great it is for kids today, they have everything! Today, children must operate and function differently than they had to in the past. School age children are often bombarded with large amounts of homework, on a daily basis. This homework, along with active sport schedules and pressure to be the best, takes its toll.

A summer vacation provides them with the opportunity to switch off, have fun, meet new friends, and get the rest that they need and deserve.

What about you? What about the parents?

In addition to our kids, we need time to relax, to switch off and, hey, even have some fun!

We have our daily pressures, commitments and routines to adhere to. Taking a well deserved summer vacation with our family gives us the opportunity to forget about the pressures of work or running our household. It’s even more important than that, however.

It’s absolutely vital for our personal well being and that of our families that we take the time to relax and recharge in the way that a summer vacation allows us to do.

If you have agreed with me so far, I have another suggestion…

If you are seriously thinking about taking a summer vacation, involve the whole family in the decision making process. Let the kids feel they are making an important contribution. Who knows, there ideas may the best ones when it comes to choosing the “right” vacation for your family.

One final question – why would you want to continue to spend your summers around your home, especially when everyone could be having a great “Wish You Were Here” time enjoying themselves away from home?

Are you bored with the same summer vacation routine? Struggling to find that vacation of a lifetime? Then open your mind to the unique possibilities by visiting the link below. You will be delighted by the choice and the great comments made by clients from North America and other countries.

How to Turn Your House Into a Vacation Rental

Turning your house into a vacation rental can seem overwhelming at first… but it really doesn’t have to be. This is a process that you can really enjoy and have fun with! I have set up houses as vacation rentals dozens and dozens of times, for my client’s properties, as well as my own houses. I understand what is involved and required from every aspect, from assuring the property is in compliance with governmental agency rules and regulations, to making sure it has all the essentials that most guests require. In my commitment to assuring that my clients are continually successful with their vacation rental houses, I often find myself in the role of ‘vacation rental counselor,’ mostly pertaining to governmental agency and code compliance, quality assurance, and ongoing property maintenance required to meet the current industry standard.

So, with that in mind, it’s important to begin with the basics when you decide to offer your house as a vacation accommodation to travelers. In this article I will provide you with the 5 most important steps to follow to assure your vacation rental success. As you read through this, I advise you to consider the fact that your house is in a unique town or city, that this article is a general guide, and that it is critical for you to become aware of your local community sentiment, and rules and regulations about short-term rentals. Always remember, your house is a private property, it is are not a hotel, and preparing your house and managing it as a vacation rental accommodation for tourists must be carefully and thoughtfully done.


The very first thing you need to do is to educate yourself about your local city, county, and state laws, ordinances, and rules and regulations pertaining to offering your house as a vacation rental in your unique community neighborhood. Please don’t just assume that because it’s your property, you can do whatever you want with it. And, please don’t put a lot of effort and expense in setting up your house as a rental for tourists until you rule out the possibility that there are laws preventing you from doing so. Many local and state government agencies have clear regulations stating that setting up your house to rent as a vacation rental turns it into a business, and it will probably be subject to some level of city, county, and / or state licensing. Many governing agencies also require that to legally rent your house as a short-term rental, you must collect local and state tax from tourists who rent your property.

A quick search in the vacation rental news reveals, that as short-term rentals become more and more popular, many communities have licensing restrictions and very specific rules and regulations regarding renting houses short term to tourists. Call your local town or city governmental offices and get to the appropriate licensing department that can answer your specific questions. Find out what specific licenses and / tax numbers you need to legally rent your house, and get them. I highly recommend that you seek the assistance of an established licensed local rental agency that can properly assist you understanding and complying with licensing and tax requirements required in your community.


Now that you’ve determined that it is legal for you to rent your house as a vacation rental, and you’ve obtained the proper licenses and tax numbers, it’s time to think about the neighborhood where your rental house is located. This might seem silly, and many people gloss over this important step, but believe me you can save massive headaches and fights with neighbors by dealing with this issue pro-actively. Nearly every news article you read on communities that are resisting or trying to restrict vacation rentals point to the same neighbor issues: noisy tourists staging loud parties, tourists taking parking spaces from local residents, and tourists being careless with their garbage.

In all the years I’ve been in the vacation rental business I’ve seen several neighbor-to- neighbor squabbles that have involved code enforcement, the police, and even expensive law suits. Most of these issues could have been avoided with plain common sense and consideration. Find out who your neighbors are, and do your best to communicate with them and determine if they will resist you renting your house to tourists.

Once you begin renting your house to vacationers, you need to commit to being selective about who you rent your house to. It is important to talk with them and determine if they will be a ‘good fit’ for your neighborhood. Ask them directly what they plan to do while they are renting your house for their vacation. For example, if you discover a potential guest is planning to rent your house to accommodate a wedding party or a birthday party, think about the impact on your neighbors and if they will be okay with this. Some properties I manage are in neighborhoods that will only tolerate very quiet couples, others are set up to accept larger groups and the neighbors are clear on this and understand the rules. Know your neighborhood, and set up your own ‘House Rules’ that your tourist tenants must agree to comply with.

The biggest complaint that most neighbors have who live next to vacation houses is noise. Some neighbors are more ‘noise sensitive’ than others, and you need to know if your neighbor is going to call the police every time a group of vacationers sit around the swimming pool and listen to music. Give neighbors who live next to your rental your phone number, and ask them to call you directly if there is a noise problem. And when there is a problem, call the guests and ask them to quiet down. Since you are renting your house to tourists, it is your responsibility to make sure the guests you bring into your rental house are respectful of the local neighborhood.


Furnishing your house can be daunting if you’ve never done it before. Below is a very detailed list of basic home furnishing items you will need to provide. This includes suggestions for bed configurations, kitchen essentials, soft goods, and household items. Your guests will be looking for the basic comforts most of us look for in our daily living.

Enjoy setting up your house for tourists – and strive to strike a balance between nice and economy. If you are striving to attract a ‘higher end’ clientele add some nice touches and things that you would appreciate if you were ‘a guest in your own house.’ You don’t need to purchase all new items, but please doesn’t use junk or your house will start to look like an unappealing garage sale. Add some interesting art work, wall mirrors, artificial plants, and some nice nick-nacks – just take care not to overdo it or it can start to look cluttered. Some personal pictures (a shot with your friends or family members) are nice to place on shelves… it reminds guests that they are in some one’s house, and not a hotel.

Suggested Bed Size Lay Out

Your vacation rental property needs to be practical and ‘user friendly’ as well as beautiful to look at. I have found the following general layout to meet the demands of most guests. As a general rule, avoid putting too many extra beds in a bedroom, you do not want to give the message of ‘the more the merrier.’ If your property has an office or den, it is a nice feature to add a desk or set up an office.

Try to make the ‘nicest’ bedroom the master bedroom. The nicest bedroom is usually determined by the view and features – such as en-suite bathroom, private deck, French doors that lead to the swimming pool or porch, or it can just be the largest bedroom if the property offers no other unique features. If your property has more than one bedroom with an en-suite bathroom and/or view than you are lucky to have a property that can be marketed with more than one master bedroom or suite… and that is a fantastic feature. That way, couples traveling together don’t have to ‘flip for’ the best bedroom!

About bed sizes: The layout below is suggested after nearly 2 decades of being in this business and listening to what guests require. Today, it seems like most people sleep in king size beds at home, and many couples who stay in vacation rentals insist on a king bed. For some couples, not having a king bed option can be a ‘deal breaker’ since they are convinced they won’t be able to sleep in a smaller bed with their partner. So that being said, here are the basic suggested guidelines…

  • Two Bedroom House

Bedroom 1: Master bedroom – Prefer King bed. If room is too small use a Queen.

Bedroom 2:- 2nd bedroom – Queen or 2 twins. (I find that 2 twins are a better option as they can be pushed together to make a King.)

  • Three Bedroom House

Bedroom 1: Master bedroom – Prefer King bed. If the room is too small use a Queen.

Bedroom 2: 2nd bedroom – Queen or King or 2 twins.

Bedroom 3: 3rd bedroom – 2 Twins or Trundle bed

  • Four Bedroom House

Bedroom 1: Master bedroom – Prefer King bed, but if the room is too small use a Queen.

Bedroom 2: 2nd bedroom – Queen or King

Bedroom 3: 3rd bedroom – Queen or King or 2 twins.

Bedroom 4: 4th bedroom – 2 Twins or Trundle bed

Guideline for Cookware and Kitchen Items

Equip your vacation rental kitchen with basic cookware and kitchen items. Buy a good set of good cookware, as much quality as you can afford. It does not pay in the ‘long run’ to get the cheapest as it will not last, but not necessary to buy the very best either. Sometimes you can find a nice stainless steel set in a box. Do not get the cheap aluminum stuff.

  • Stove Top Pans: Provide a basic set of 2, 4, 8, and 10 quarts.
  • Skillets: 7 and 10 inch
  • Oven Pans: Glass baking dishes: 9X13 and 8X8, roasting pan with lid (holiday dinners),cookie sheet, muffin tin, 1 pie pan, 2 cake pans, 1 pizza pan.
  • Mixing Bowls: 2 large: 8 – 10 quarts; 2 medium: 2 – 4 quarts; and 2 small: 1 – 2 quarts. These can be stainless or glass. These can also be used as serving bowls.
  • Knives: Paring, large vegetable, butcher, bread, and a sharpener.
  • Cook Prep Items: Colander, spatulas (1 medium size, l large size), mixing spoons (1 large, 1 medium), wire whisk, can opener (a good manual one is best), plastic cutting boards (1 large and 1 small), measuring spoons, rolling pin, ladle, funnel, and tongs.
  • Small Kitchen Appliances: Toaster, coffee pot (electric drip – Mr. Coffee Style), blender (good quality that will spin frozen drinks)
  • Other Kitchen Items: 2 to 4 pot holders and trivets, placements for complete table setting, 6 dish towels, teapot (for steeping tea; not essential but nice), bread basket, aluminum foil, and plastic wrap.
  • BBQ Grill: Inexpensive gas grills are best. Plan on replacing them about every couple of years.
  • Flatware and Serving Ware: Dinner plates, soup / cereal bowls, small plates (Service for 8 – 10 works best for property that sleeps up to 8), glasses (service for 8-10), flatware (service for 10 plus meat fork), 6 to 8 Serving spoons, 2 slotted spoons, coffee mugs or coffee cups and sauces (service for 10), 2 to 3 serving bowls and platters for hors d’oeuvres, or maybe a turkey or roast. Bright colorful serving bowls are nice and also help to add a ‘pop of color’ to the kitchen.
  • Cleaning Supplies (keep in property for guests): Hand dish soap, dishwasher soap, degreaser, window cleaner, cleaning cloths, large 2 to 3 gallon plastic bucket, mop, 2 brooms (1 for inside and 1 or outside),1 dust pan

Guideline for Soft Goods

Equip your vacation rental house with nice quality bedding, towels, and window coverings. Do not buy the cheapest soft goods. They won’t last and you will likely receive complaints. Guests expect good quality towels and linens and will write bad reviews for poor quality items. You can save money by purchasing from discount warehouse and home furnishing stores.

  • Towels: For a 2 bedroom rental – 12 bath towels, 12 hand towels, and 8 wash clothes; for a 3 bedroom rental – 14 bath towels, 14 hand towels, 14 wash clothes; for a 4 bedroom rental – 16 bath towels, 16 hand towels, 16 wash clothes
  • Sheets and Pillow cases: 2 sets for each bed. Get at least 400 count sheets
  • Bedding Protectors: Mattress covers for each mattress zip pillow protectors for each bed pillow (these go on the pillow before the pillow case).
  • Bed spreads or comforters: We take our cue from high end hotel rooms. At this writing (2011) travelers like duvet covers (over comforters) and / or mattalesse coverlets in the contemporary market. Bed covers MUST be washable.
  • Decorative and Comfort Items: Throw pillows, 2 or 3 blanket throws, throw rugs, door mats
  • Beach / Pool Towels – 2 per bedroom
  • Window coverings – Nice curtains and / or blinds

Entertainment and Internet Service:

Flat Screen TV’s: People expect TV’s in the bedrooms as well as the main living room / great room. I recommend a large TV (minimum 36 inch) in the living room, and smaller ones in the bedrooms (15 – 24 inch are fine). Small flat screen TV’s need to be mounted on the wall or bureaus for security reasons.

Cable TV or Satellite: Don’t offer ‘pay per view’ features. It’s too hard to keep track of those charges.

Internet (DSL): WiFi router is an expected feature. Almost all tourists travel with laptops… and they get upset if they don’t have internet access. Most renters do request WiFi.

Stereo and C/D player: Most guests travel with iPods in today’s market, but most still expect some kind of music player. This should not be an expensive unit. It can be a large ‘boom box’ type with detachable speakers and should be large enough that people do not try to take it outside.

4 – Maintenance and Housekeeping

Your vacation rental must be well maintained and kept immaculately clean. Keep in mind, that while your house is not a hotel, you are offering it as a vacation accommodation to travelers, and guests will expect maintenance and cleanliness standards set by nice hotels. This is not a place to cut corners, and if you do, your house will soon appear on a travel log such as Trip Advisor, Flip Key, or rental review sites with negative comments. Bad reviews about poor cleaning and maintenance, even if they are exaggerated by unscrupulous guests, can quickly stigmatize your house and discourage future guests from renting it. You simply must commit to bearing the cost to keeping your house to quality standard.

Most vacation rental agencies collect a departure cleaning fee in advance from the guests to clean it when they leave. Guests expect and deserve to arrive to a clean and tidy property. Set a cleaning rate that will cover your costs to clean the house thoroughly each and every time guests depart. Make sure you plan enough time to clean the house, and better yet hire a good professional housekeeper. Make sure carpets and furniture are cleaned as needed. During periods when your house is not rented, be sure you give it a deep clean. Replace towels and linens with new ones as necessary, and never make a bed or make up a bathroom with tired or stained linens or towels.

If your house has porches or decks and outdoor furniture, they must be kept scrubbed and free from mildew and look fresh for every guest who checks in. Same with windows, yards, landscaping, swimming pools, and Jacuzzi tubs – they must be maintained to quality standard or you will get complaints.

This goes for household maintenance issues as well. You will need to hone your handy-man skills and make sure all the light bulbs work, a/c filters are changed, the internet is working, TV remotes work, the toilets are flushing properly, and the pool and Jacuzzi heaters are working right. You will also need to be ‘on call’ to go over to the property and provide minor repairs. Unless you live in the same town as your rental, and you are absolutely committed to maintaining it, hire professionals to do this for you. If you are not willing or able to do this, or cannot quickly respond to any maintenance needs, I strongly recommend that you hire a professional rental agency that is staffed up to provide these kind of services. It will save you a lot of head ache and could save the reputation of your rental house.

5 – Managing Your Property – Advertising, Reservations, Rental Contracts, Bookkeeping

The final basic step to turning your house into a successful vacation home is to start advertising it and taking reservations. Today, there are several mega-vacation rental advertising websites to choose from that have huge data bases of available rental properties. Most of these are set up so you can you can post your own ad copy and download your own property photos. Expect to pay over $500. to get positioned on-line so that prospective renters can find your property. You can also use social media such as Facebook and Twitter to promote the availability of your property.

If you decide to manage your property yourself, you must be completely committed to every aspect of the administrative process. This means answering email and phone inquiries in a timely manner, maintaining an availability calendar, talking with potential guests to determine if they are appropriate renters for your house, writing and sending rental contracts to guests, collecting rental fees, collecting and paying required bed and / or sales tax, collecting and refunding security deposits (or determining costs where there is damage), paying housekeepers and maintenance people, paying utilities, keeping licenses current, and generally staying on top of the bookkeeping. There are several home-based reservation management software packages available to help you stay organized, but they will only work if you are diligent about keeping the information updated.

You can also hire a locally established rental agency to provide professional management and advertising services for you. Over the years, I have seen many people try to advertise and manage their own vacation property, and end up finding the process too time consuming and daunting. If they live in the same town as the rental house, they end up spending all their “free time” (and then some) operating their property. And if they live in a different location, they find it too overwhelming to effectively manage from a distance. I strongly urge that you hire an established locally operated vacation rental agency that understands the entire scope of the business and the community where you’re your house is located.

Cindy Rhoades

copyright @ 2011

Vacations Are Just What the Doctor Ordered

Everyone enjoys taking a vacation and exploring new places, but you may have even more reason to take some time off. Vacations are the best way to reduce stress because they get you away from the everyday demands and the things that make you anxious. Dr. Tom Potisk says “I advocate frequent vacations as a vital component of wellness.” As the author of Whole Health Healing: the Budget-Friendly Natural Wellness Bible for All Ages and generally known as the “Down-to-Earth” Doctor he says that vacations can supply the two things that people need to thrive. People need to give their mind and body time to rest, and they also need to go out and experience new things. After a vacation people come back feeling more energized, their immune system has been boosted, and they are even more creative in some aspects. Dr. Potisk says that we all need vacations and he even teaches doctors around the country about the importance of vacations and emphasizes that they should be taking them as well.

There is even scientific data to back up his belief that vacations can help you better manage your stress. In an article published on September 17, 2008 in The Journal of the American Medical Association there is evidence to back up his claim. There was a study conducted in which the subjects were men ranging in age from 35 to 57. At the beginning of it none of the men had any signs of heart disease. The study lasted for nine years and at the end of it the men in the group who took the most vacations were 29 percent less likely to be diagnosed with heart disease and 17 percent less likely to die than those who did not take regular vacations. (The beneficial health effect of vacations remained valid after socioeconomic considerations and cardiovascular risk factors were taken into account.) There is also countless other research that points to the fact that our health deteriorates if we do not take time to take a break.

Dr. Lyengar of the Bradenton Cardiology Center in Florida breaks down the science behind stress so that we may better understand the effects of it on our bodies. He says that stress usually happens in an acute phase meaning that it happens for a brief time. As the doctor explains it “you’re about to avoid a traffic accident, for example. Stress response is the body’s way of telling an individual to do something drastic at that moment. Your body releases hormones – adrenaline and cortisol – that help in the acute phase. The ‘fight or flight response’ is the body’s response to some sort of stimulus: it goes into anxious or hyper-reactive mode. “You stand your ground and ‘fight’ (in a manner of speaking), or take flight to survive.”

Since it usually happens in short doses the body is not designed to handle chronic stress. When you are constantly anxious about your job or your boss the fight or flight hormones are exposed to your body more than they should be. The inflamed release of hormones causes long term damage to the blood vessels. This is evidence that stress is linked to heart disease and that if you are genetically inclined to heart disease this will only make it worse.

Women are especially in need of vacations as they constantly manage multiple responsibilities. Heart disease is known as the “silent killer” in women, so they need a break just as much as men do. Dr. Lyengar says that managing your stress can be a justifiable reason to take a vacation. Especially is you have previous medical conditions such as diabetes, obesity, or high blood pressure stress will only make these worse so these people need to take even more care to take a vacation.

Certain personalities are also more in need of vacations than others because they are more at risk for stress related health problems. “Type A personalities” are people that are always working and are very intractable in what they do. These people find it hard to go on vacation and stay away as they are always trying to fit in some kind of work during their holiday. Working on vacation does not allow you to reap the full benefits of time away. In order to relieve your stress on a vacation you need to completely separate yourself from work or any other every day pressures that you encounter. A vacation is time for you to try something totally new, so take advantage of it.

A change of scenery is imperative for vacation benefits to have a full effect. If you stay in the same area where you are constantly exposed to the stress of everyday life you are not really taking a break. Also, you should not go from one demanding situation to another one on vacation. Do what is effective stress management for you, a vacation should not make you even more tense if that is the case then you should find a different destination.

The book “Stressed? Anxiety? Your Cure is in the Mirror” by Dr. Murray Grossan sheds light on the topic of stress and how people have dealt with it historically. Every culture during every time period has had a so called “vacation spot” according this book. Whether that meant heading out to get some clean fresh air somewhere, enjoying a hot spring, or traveling somewhere new to see the sights there was a place for people to go to take a break. Just 100 years ago they did not tell people to take a pill for any ills that they had instead they would go to a vacation “spa.”

Dr. Grossan says that a vacation can have you coming back with a “can do” attitude. The rest and relaxation frees you from negative thoughts and that feeling of “I can’t.” Feeling constant stress drains the body of good chemistry, but time away can allow this system to recover. He says that a vacation can both heal you and clear your head so that you can make better decisions. Some people think that a beach vacation is the perfect dream vacation, and others have a different idea of the best holiday. There really is not one that is better than the other as long as you remove yourself from your daily situations.

In order to provide for the best stress relief before your vacation be sure to tell people that you will be unavailable while on vacation unless it is an emergency. Also, be sure to leave your computer behind and distance yourself from using your phone. It is best to pack as light as possible, and leave a day to adjust when you get home before going back to work. In addition if you can try not to use clocks and just follow your body’s natural rhythm. One other important thing to consider is to stay within the budget that you set for your vacation so that you do not feel even more stressed about finances when you get home.

Nutritionist and registered dietitian Elaine Hastings offers some tips about what to eat while on vacation. You should try to avoid drinking a lot of alcohol or eating an excess of unhealthy food as this will leave you feeling sluggish and unhappy when you get home. You do not want to feel bad about gaining weight, so opt for the healthy food options instead. She says “try to balance your rest with some physical activity, and eat fruits, vegetables, and lean protein.” If you follow these tips then you will come home feeling rested, refreshed, and revitalized. So pick one of your favorite vacation spots and head there for some much needed rest and relaxation.

Life insurance partnership

An association is fairly easy to configure. Two or more people gather with the intention of entering the business; obtain the appropriate licenses and submit the necessary documents with the State and are in the business. Although each partner is taxed individually they are all responsible for the debts of the company.

When a partner dies the society should be dissolved. If the survivors want to continue with the business they will form a new company.

The agreement can be amended after the approval of the majority. If there are problems between the partners of the agreement is the legal document that should be able to use.

It does get into the business with easy and unlimited family members.
Since many people are using their resources together the borrowing capacity is higher. Each partner has a unique opportunity to specialize in their own area of expertise.

Unless otherwise specified in an agreement of the Association must be dissolved by the death of a partner. Remaining members must buy or inherit shares of the partner died less that unless otherwise stated in an agreement on the succession. partner may require that the business be dissolved at any time. Cannot be taken advantage of tax depreciation, as the group life, disability, and health insurance. All partners are at risk of liabilities. If a couple wants to leave the society may suffer financial loss.

Now let’s take a look at how life insurance quote is applied to this type of business. Suppose a partner died or had to leave the company because of the disability. This situation could destroy the business, however, if the company had a contract of sale duly made life insurance and disability insurance-funded much of the problems would avoid. Each partner will have an insurance of life and disability policy of buying stakes in his life paid by other partners. In the event of death or incapacity of a partner of the insurance company pays an amount equivalent to the value of the shares of the deceased person’s property. This money is used to buy the shares of deceased of his heirs.

3 Essential Vacation Packing Tips

There’s nothing more frustrating than fighting with overstuffed and over weight suitcases when you travel. But relax, the vacation-packing tips below will help you get the most out of your vacation, and help you enjoy the journey more.

Here are 3 simple rules that will reduce your stress, and help you to immerse yourself in the experience and adventure of your chosen destination.

So here’s the first of our vacation packing tips…

1. Pack light
Seems obvious but it’s always a challenge to pack as light as you know you should because you want to look your best when on vacation. However, there are some things you can do to reduce the load, and the first is to coordinate your vacation wardrobe.

Choose classic pieces with complimentary colors as your basic wardrobe – a single pair of slacks, 1 pair of shorts, and a skirt if appropriate. Every item you pack should mix and match with every other item. These classic items can then be combined with a selection of exotic tops, belts, scarves, wraps and costume jewelry to fit most occasions.

By coordinating your vacation wardrobe you will also reduce the number of shoes you need to pack, which is a quick way to reduce bulk. For example, 1 pair of dress shoes for the journey, 1 pair of sandals and 1 pair of flip-flops is all you really need for a tropical vacation, unless you plan to do a little hiking, in which case you can add 1 pair of appropriate walking shoes.

Here’s another vacation packing tip to help you pack as light as possible. Pack old underwear that can be thrown away after use, and by doing so you’ll free up space on your return trip for the souvenirs you will inevitably want to take back home.

Which brings us to the second of our essential vacation packing tips…

2. Don’t pack valuables
If you can’t live without a precious pendant, your grandmother’s ring, or your designer watch, then don’t pack them, and don’t bring them with you on vacation.

With the possibility of misplaced luggage, petty theft, and items you simply forget to repack, savvy travelers choose costume jewelry, whether or not their room has a safe.

The truth is you don’t want to wear flashy or expensive items while you are on vacation because doing so only attracts pickpockets and undesirables. And there is nothing that will spoil your vacation faster than losing something irreplaceable. So reduce stress and leave it behind, or…

Purchase travel insurance for those things of value that you must take with you, like your camera for example, because your homeowners policy may not cover items that have been lost or stolen while on vacation.

And so on to the third of our vacation packing tips…

3. Carry-on essentials only
Pack the essentials – passport, travel documents, money, a complete change of clothes, your bathing suit, and perhaps a good book – in your carry-on luggage.

Delayed luggage, which usually gets delivered to you the next day, is a lot easier to tolerate if you are in possession of a change of clothes, your medications and essential grooming items, money and all your travel documents. This way you’ll breeze through every challenge the journey throws your way.

These tips will help you relax while you are on vacation, and if you truly relax you’ll be better equipped to overcome life’s challenges when you return home.