Keith McGregor asked:


TO ZORB OR NOT TO ZORB – TRAVEL INSURANCE WITH A DIFFERENCE!

Checking the small print in your travel insurance policy to see that you are covered to do what you intend to do whilst on holiday is essential before you go. If you intend to arrive at your resort bungee jumping from a helicopter, as the latest contestants in ‘I’m a celebrity, get me out of here!’ were required to do, then perhaps it would be wise to check that your travel insurance policy covers you before you go.

Most, if not all, travel insurance policies, will exclude certain activities, known in the trade as ‘Hazardous Activities.’ It is very important to choose a travel insurance provider who try and give as much information to their customers on what activities are or are not covered and what may be done if the right procedures are in place and the correct safety precautions taken.

So some firm advice is to check your “comprehensive travel insurance policy” before you go away, once on holiday, and just before you rush to dive with sharks! If you are interested in purchasing a single or annual travel insurance policy why not take a look at travelandinsure.com and see what is and what is not covered. You can see for yourself how easy and simply customers can buy a policy online to suit their needs.

So returning to the exam question, can you Zorb or indeed bungee jump? Well, actually you can, provided they are properly supervised activities, (though whether we would recommend you did the latter from a helicopter is a moot point) and your travel insurance provider has supplied you with a comprehensive travel insurance policy. Why you would want to jump from a perfectly serviceable aircraft is beyond most peoples understanding!

rotapan asked:

Gold, proof the rotapan works, 1/2 ounce tossed into a gallon pail of rock and gravel, then worked and got it all back. rotapan.com works

Irene Watson asked:


What’s it like to be a writer AND photographer? ReaderViews sat down with author Vicki Landes to talk about her new book, Europe for the Senses.

ReaderViews: Thanks for talking with us today Vicki. We are interested to hear more about you, and your beautiful photography book “Europe for the Senses: A Photographic Journal.” Would your start off by telling us what your book is about, and what you are trying to convey through the photos?

Vicki: “Europe for the Senses – A Photographic Journal” is a travel/photography book meant to do more than just display European destinations. It’s a collection of photography and creative writing meant to transport the reader to each respective destination with stimulating sensory imagery. Experience the sights, smells, sounds, tastes, and touch that make Europe a remarkable compilation of uniquely beautiful countries. Whether a novice or a seasoned traveler, EFTS hopes to invoke a craving for Europe – not only for the major attractions that attract so many but the small, much overlooked details waiting to be discovered.

RV: Vicki, where were you born, and where are you living now?

Vicki: I was born in St. Charles, Missouri and stayed there until I left for college. My family hardly traveled so I never considered exploring other places. My husband and I had been living in Kansas City, Missouri for a couple years when he received military orders to Stuttgart, Germany. I was livid – I’d just graduated college, we’d just bought a house and I’d just had a baby so I went to Germany literally kicking and screaming. After about six months, though, I really got into seeing new places and we’ve been living in Stuttgart for seven years now! Since my husband is active duty Army, he had to extend a couple of times (tours are normally three years) and he did so only because I loved it here so much.

RV: Since living in Stuttgart, Germany, you have traveled to 45 countries. Would you comment on your obvious love for travel? And, have these destinations been predominately for your photography pursuits?

Vicki: When I moved over here, I was shocked at how rich the European history was. In the states, we can visit something ‘historic’ which only ends up being a couple hundred years old at the most. In Europe, though you can visit places that are literally a thousand years old…sometimes even older! This is absolutely amazing to me and I can’t seem to get enough of this. I’ve been to thousand-year-old monasteries where you can walk up to the ancient stone columns that are supporting the massive roof and wrap your arms around them to feel the cold stone on your cheek (you couldn’t get away with this in the states without an alarm going off and getting tackled by security). I’ve explored the inside of mines that predate the time of Christ. ‘Newer’ destinations can include gothic cathedrals, baroque palaces, or World War I monuments. There’s no end to what is out there to discover. Europeans really understand the importance of their history and the need to preserve it. No, the photography has not driven the destinations – it’s actually the opposite. I’ll visit something I’m truly interested in and I just always keep a camera in tow.

RV: What inspired you to write “Europe for the Senses”?

Vicki: I didn’t even consider writing a book until my grandparents suggested it. After every trip I take, I send an email with attached pictures out to friends and family describing the places I’d just been. I didn’t just want to share the pictures, I wanted them to feel what I’d felt when I was standing there. I wanted them to get a sense of what that particular place stood for – whether it was a famous place or something nobody had heard of. Europe is chock full of unforgettable things and viewing Big Ben can be just as profound as being the lone soul exploring castle ruins on a mountaintop. I also came to realize that many people are afraid to travel to new places – even other military families abroad. It can be difficult to step outside of our comfort zones, especially in the uncertain times we live in today. I didn’t want to just write a book with travel information – there are plenty of those out there (which I use religiously!). Instead, I wanted to convey Europe in such a way that might make taking that first travel step a bit easier. If you develop a yearning for something, it’s not as scary to do.

RV: Which countries do your spotlight in “Europe for the Senses” and are these your favorite places in Europe? Why do you think Europe lends itself so well to photography?

Vicki: I have 15 different countries spotlighted in “Europe for the Senses”. Germany and Italy are concentrated on heavily because they seem to be the most popular among tourists (and they are my two favorites!). The other countries include: Switzerland, Austria, England, The Netherlands, Iceland, The Vatican (it’s a country all to itself!), Hungary, The Czech Republic, Luxembourg, Romania, as well as a couple from Azerbaijan, Armenia, and the Republic of Georgia.

I think there are a couple reasons why Europe lends itself so well to photography. First, Europe is vastly different as you travel from place to place. You don’t have to go far to shoot snow-capped mountains or flourishing vineyards. There can be an entire spectrum of environments and cultures within a short flight or drive just waiting to be captured on film (or on your memory stick J ). Second, as you travel you can visit sites that have survived some of the most destructive forces of nature and man – photographing these places feels like you are preserving a bit of history. No matter what happens, they will live forever in your photographs.

RV: Are the photographs in “Europe for the Senses” of the major tourist attractions? How did you narrow down the ones that you feature in your book?

Vicki: I’ve mixed a bit of world-famous sites with little-known ones. I don’t think you should come to Europe just to see the Big Bens and the Leaning Towers. Even the smallest detail of a little-known place can be ‘the one’ that stays in your heart long after the trip is over.

Picking which destinations would be in the book was very difficult – I’ve thoroughly enjoyed most of the places I’ve been to. I poured through hundreds and hundreds of shots in my collection and found the ones that seemed to sing out. There were a few that I ended up cutting out before we got to the final layouts. I wanted to ensure that there were places that people would definitely associate with vacations (such as Germany and Italy) but a few that would make people stop and say, “Wow, I can vacation there? I’ve never considered this place before!”

RV: When did you discover you had a talent for photography?

Vicki: I started taking photography classes in 4-H when I was in elementary school. My dad was the instructor and a few years into it, I won my first photography contest (much to my surprise). I’ve been taking pictures for most of my life but never considered sharing them until my grandparents suggested the book – that’s probably when I realized I actually had a talent for it J

RV: Your narrative that accompanies the photographs is a significant part of the full-sensory experience of your book. Would you give us an idea of your writing style, and your thoughts about using writing to bring life to your photographs?

Vicki: There are many photography books out there that have a ‘forward’ at the beginning and then use only captions to identify the shots. I wanted my book to be different – vivid descriptions of each section would truly put the reader into the pictures. I wanted people to really feel what it would be like to stand in the middle of an endless tulip field in Holland – touching the soft petals and gazing at the spectrum of colors or savoring the breathtaking Tuscan countryside with all of your senses – not just your eyes. Each of these places can leave you with such a deep, multifaceted memory if you don’t rush through them.

RV: Did you have professional training in photography or creative writing?

Vicki: About 5 years worth of 4-H photography classes and regular coaching and practice from my dad over the years. We had a dark room in the basement so he taught me how to develop film and reduce/enlarge from negatives. I’ve had no formal creative writing training other than through school over the years. I’m currently working on my Masters degree so I’ve taken plenty of writing classes.

RV: Vicki, the senses are a predominate theme for your book. Would you comment on the importance of enlisting all the senses when traveling, and how you’ve personally come to this conclusion?

Vicki: When I first started traveling, I wanted to just see as much as possible – that meant rushing through to cram it all in. The weekends ended up being a blur and my memory of the trip not only included the destination, but the feeling of rushing around, lack of sleep, and a cranky husband and son. I soon realized that although I was seeing quite a bit, I wasn’t left with a profound memory of the destination. When I started slowing down and becoming aware of what I was smelling, how the warm sun felt (or the chilly rain), or how I lost my breath at the sight, the trip became an experience. I don’t just remember what something looked like now – my nose remembers, my skin remembers, and my heart remembers.

RV: Would you explain to us your own personal vision of taking photography that awakens the senses?

Vicki: When I’m viewing a potential site, I see lighting and symmetry as most important. It’s amazing how a tiny step to one side or another can completely change how the light strikes and where the balance lies. I’ll take several shots from several different angles and the LCD screen on my camera lets me check the picture immediately. I’ve been known to sprawl on the floor of a cathedral (I’ve gotten pretty good at a ‘respectful sprawl’ in these places J ) or stand in the middle of a road to get the right shot.

RV: Why do you think a photograph can leave such a powerful imprint on someone’s memory?

Vicki: A photograph is like a piece of the real thing. Those that long to visit a certain destination only need to view a picture to get that heartache. They say that ‘eyes are the windows to the soul’ – if you can see someone’s soul by looking into their eyes, the soul can see out and experience that photograph – that piece of the real place – and be left with an emotional impression.

RV: Which countries would you still like to visit?

Vicki: Plenty! I haven’t been to Ireland yet and I’ve got family roots there (apparently, we come from a line of Irish grave robbers). I also haven’t been to Spain or Portugal yet. I don’t limit myself to Europe, either…I’ve visited 12 African countries so far and I want to see several more!

RV: How can readers find out more about you and your book?

Vicki: Visit my website at www.EuropeForTheSenses.com – it’s got book information, reviews, press spots (including my press release and coverage from TV, radio, magazine, and newspapers), and more. I’ve got links to my blog and my online photography galleries where you can view and purchase every single print from the book. I also offer a free newsletter that features a different destination each week! Readers can email me with questions – I get plenty of questions that range from asking about a specific place to how I got published.

Rika Susan asked:


Cheap auto insurance can cost you a bundle if you don’t keep a few crucial tips in mind. You have to do your homework to ensure that you understand the fine print – especially if you have a teenager on the verge of discovering the joys and freedom of driving. You don’t want to discover too late that your cheap auto insurance policy doesn’t provide coverage for a young driver…

It is an unfortunate fact that teenagers cause a spike in claim rates. Research has shown their accident rate to be up to ten times as high as that of older, more experienced drivers. This high risk group has a direct effect on quotes. The premium can almost double in some instances. Fortunately there are ways to soften the blow as far as your cheap auto insurance package is concerned.

1. Type Of Vehicle: While choosing a low risk vehicle for your teen may have you out of the running as far as the popularity contest is concerned, it will affect your insurance quote significantly. Companies frown on an expensive, fast sports car with a teenager behind the wheel. Don’t dangle temptation in front of your teen. Choose that older, heavier car and you will qualify for a much lower premium, as well as a measure of peace of mind. Get a list of the no-go wheels from your insurer.

2. Driving History: Try to get your teen to understand that their driving history is just as important as their credit history. Avoiding a black mark in any shape or form is vital. Don’t claim for small mishaps. Tickets for speeding are a no-no.

Passing a course at a reputable driving school will also enable your carrier to see the teen as less of a risk. Why not join your child in a Defensive Driver Program, in order to qualify for a cheap auto insurance discount? This will equip both of you to cut the risk of rear-end crashes, while teaching you and your teen to use emergency brake procedures correctly, to use safe following distances, and to drive safely in foul weather.

Expecting your teen carry his or her share of the coverage is a great way to create a careful driver and teach responsibility.

3. Avoid Distractions: Teach your teen to concentrate on driving and driving alone when in the car. No distractions are allowed. No cell phone calls. No fooling around with passengers. In fact, putting restrictions on carrying passengers during the first year or so of driving is probably sensible and can help to get you cheap auto insurance. In some states teens are now barred from carrying more than one passenger. It has been proven that having three or more passengers makes the driver up to three times as likely to be involved in an accident. The new laws also prohibit driving during the dangerous late night and early morning period. This already seems to have a beneficial effect on premiums.

4. Seat Belt Safety: Seat belt use is without question one of the most vital aspects of driving. Your teen must know that his wheels will be confiscated if he ever drives without wearing a seat belt. This also applies to passengers. By signing a seat belt wearing undertaking, you may increase your chances of landing cheap auto insurance.

5. You Are The Role Model: Remember that you are your teen’s role model when it comes to driving. If you don’t stick to the rules, you can’t expect your kids to do so. Your example over the years will play an important role in the way they approach their own driving later on.

6. Change Driver Status: Your teen may qualify to be an occasional driver, which will draw a lower premium. At first it will also be less expensive to have teens covered under your personal protection plan. They can change to their own plan later on, once they have established some sort of record.

7. Liability Coverage: Never, ever try to save on liability coverage when taking out cheap auto insurance. This is absolutely vital. If at all possible get a comprehensive umbrella policy. This will give you a huge cushion in case of a serious accident. It is astonishing how costs can add up if such an unfortunate incident occurs.

8. Get Good Grades: A number of companies allow generous discounts of up to 25% for good grades! Make a B average or higher a provision for allowing your teen on the road.

9. Company Car: If you have your own business, your teen may be able to use the company car without you

being slapped with a higher premium. Investigate this possibility.

10. Carry-Over From Your Teen: An important fact that is often overlooked is that your teen’s carelessness or risky behavior may bump you into the high risk category with sky-high premiums! Your kid has to understand that his or her driving record is serious business, likely to affect the whole family. If not handled with responsibility, it may void your chances of ever getting cheap auto insurance.

Peter Bankss asked:

Hobbies are supposed to be fun! And treasure hunting is no exception. There are plenty of fun games and activities you can use to make treasure hunting a fun outing for the whole family.

If you decide to take others treasure hunting with you, whether it is your children or older relatives, it won’t be much fun for them if they’re just watching you all day. Let’s face it, sitting around and watching someone run a metal detector over the ground is hardly a thrilling experience. The key is to get everyone involved. Not only does this make it more fun for them, but you will have extra hands working away at finding the treasure you are after!

Some companies even organize treasure hunts as corporate activities. It’s a really great way to get coworkers working together on a common goal: finding the treasure! People learn to be innovative, creative and persistent during treasure hunts.

Some treasure hunting companies even offer corporate discounts. Each person on the hunt should have a job or task to do. Put one person in charge of navigating or leading the group to the treasure. Another could be

responsible for protecting found treasures from damage. Giving people a sense of purpose will help them to become involved and they will enjoy the treasure hunt that much more.

When planning a group treasure hunting outing, consider using a treasure hunting company as your guide. These people are experienced; they know which equipment you need; where you are likely to find your treasure; and all of the rules surrounding treasure hunting in the area.

Some treasure hunting companies will provide all of the equipment necessary for the hunt. So while it may cost money to book the hunt, you will be saving money by not having to buy equipment for several people. One example of this would be an underwater hunt. If you are taking a group of friends to the beach for a ring and jewelry hunt, it could be quite costly to provide snorkeling equipment for everyone.

A treasure hunting company would supply them for a rental fee. You wouldn’t be stuck with a dozen snorkel masks to store after the trip!

When taking children treasure hunting, it is important that each child has their own tools and equipment. To stay organized, use the grid method that we discussed earlier. Map out your treasure hunting area, and assign each child a square. Assigning a separate area to each child should limit the amount of bickering that goes on. Congratulate each child on their finds, even if it’s a worthless pop can. You could even plant treasures the day before, to ensure that each child uncovers something different.

If you are planning a treasure hunt for children, always consider their safety first.

They will need to be closely supervised during the hunt. One adult per three children is a good ratio. Try to limit treasure hunting with children to areas where you are sure there will be very few threats or dangers. In could be disastrous for a child to dig up a sharp, rusted object, or to stumble across a weapon or drug paraphernalia. Children typically have a short attention span, so keep the treasure hunt brief or have other activities throughout the day. Prizes and a meal at the end of the hunt would make for a perfect day.

Anytime you get a group of people together for a treasure hunt, remember to act as host and to provide a few necessities. If you are treasure hunting in the sun or in a hot climate, you will need to have plenty of drinks on hand to keep everyone hydrated throughout the day.