Your Present Credit Card May Not Be Suitable While Traveling Abroad

When you travel abroad, credit card is the most effective method of carrying money which you. However, your present card may not be financially convenient for such use. Check on these important tips to get the things right -

1. Inform your card company about your travel as a precaution – If the card company sees use of your card at a strange place, it may suspend your account and will try to contact you. In the possibility of no contact, the credit card will remain suspended. You will never know why your credit card is refused and with this first jerk in your travel, you will have to run around for arranging money! It takes only a phone call to inform your credit card company about your travel plan.

2. Check the acceptability of the card – You should ensure that your card will be accepted in the region where you are traveling.

3. Read the cardholder agreement carefully – You should understand the fine print in the agreement. You may not have the agreement in the first place and will have to call your card issuer to get a copy. You can clear all the uncertainties about the transactions abroad.

4. Ask all your doubts to their customer service representative – This is very important because it will give you confidence while using the card abroad. There will be certain amount fees which your card issuers may charge. There may be huge fees for withdrawing cash from ATMs abroad. There is no use asking these questions when you come back. You should also know what to do when your card is lost. Also, make sure about the cover your card issuer is offering for fraudulent transactions.

5. Understand the rate of exchange – You should be clear about the basis on which your company will charge you for conversion of currency. This is a common mistake by most of the international travelers because spending becomes very expensive on an adverse rate of exchange.

6. Carry with you the contact numbers of customer service – If anything goes wrong, you should have a number to call to your card company to get help. The normal number which you use regularly may not be useful for international calls.

7. Check the expiry dates – You should check the date of expiry of your card and the limit available to you on the card. You cannot increase the limit while you are traveling.

8. Preserve all the receipts – If you are overcharged in a particular transaction, you should be able to produce a receipt is to your card company so that you can prove the details.

9. Always check carefully any bill before you sign it. If the bill is in US dollars, you may ask for the bill in the local currency of that country.

If you feel that the present card will prove expensive and inconvenient, you can switch to another card temporarily. It is very convenient feeling to swipe your card while traveling overseas, but when you come back and receive a statement from your card company, the shock should not spoil your entire travel pleasure.

Traveling abroad with ‘loaded’ credit cards is everybody’s dream. But with exorbitant fees and conversion charges, the trip may leave a bitter test at the end. How to avoid it? Well you can do it very easily. Chintamani Abhyankar provides useful tips and advice on precautions while using your credit card abroad.

The Gold Necklace-3 Suggestions When Choosing the Perfect Push Present for the New Mom

With so many celebrities getting press these days for the births of their babies, an old tradition has been rekindled, albeit with a new millennium name – the Push Present – or more eloquently, a birthing gift to honor the hard work of labor for the mother of a new baby. Traditionally, a birth bauble was something a well-to-do husband gave his wife for producing his heir, in India gold necklaces or other gold jewelry, in England a lavish ring, but now it’s begun to be seen more as an acknowledgement of the woman’s role of bearing the responsibility of carrying the baby for nine months. And the trend is starting to take off, overwhelming fathers-to-be who feel the pressure to keep up with what mom’s friends were given.

However, the good news is that the one thing etiquette experts agree on is that this is a deeply personal gift and there are no standards to follow. So consider these three gold necklace ideas or use them for inspiration, this is a precious time to acknowledge and only you know what is right for your new mom.

Over the top

This is an opportunity to really wow her with something completely over the top that she’d love to have but would never ask for and never buy for herself. Has she eyed a fancy gold pendant or elaborate gold necklace with gemstones in the past with ooohs and ahhs? This could be the time to pull out all the stops and splurge on something that will amaze her. Gold necklaces along these lines can be a part of special occasions throughout her life and even become treasured heirlooms to pass along to the little one she just carried.

Mother’s jewelry

Mother’s jewelry is a great choice at this time, particularly for first time mothers. Birthstones look lovely on gold necklaces, whether yellow or white gold. You can choose to use the baby’s birthstone alone to represent the new addition, or have the necklace include all of your birthstones symbolizing the family together.

A gold necklace is perfect to hold special charms designed along this baby themed line such as the currently popular enameled baby shoe charms available in a wide variety of colors and encrusted with different gemstones. Another version of mother’s jewelry is an elegant cameo pendant with an image of a mother and child, lovely to pass down through the generations.

Gemstones just for her

If mother’s jewelry isn’t the right thing and over the top just isn’t her style or not practical at this stage of your lives, then choosing a gold necklace with a gemstone in a size and setting that fits her personality and you know she’ll love is the perfect solution. Whether her own birthstone or another that she likes, perhaps in her favorite color, be sure to select a gold necklace with an adequate weight to support the pendant you choose and with a strong clasp if not choosing a one piece gold necklace that is crafted with the stones directly mounted.

Again, what’s most important here is the personal nature of this gift between the two of you, you want it to be something she’ll treasure and that she knows you put thought into. If you feel you need guidance because you want to be sure you’re right on the mark with something she’ll love, check in with a trusted friend or family member that will know her style and will tell you the truth. Giving the gift of gold necklaces has been a tradition throughout history with some of the earliest gold jewelry being dated back to 3000 BC. With a track record like that, you should be sure to make one new mommy feel even more special than she already does when you mark this priceless occasion by honoring her and the love you feel for her at this time.

Copyright 2006 Lulu Bells Treasures

The Precious Present

The Tibetans have a saying;

You will have to stand for a very long time

with your mouth wide open

before a roasted partridge will fly into it…

It is a rather droll way of expressing high levels of improbability, but nevertheless useful, in reminding us that some things that we may pine and hope for are simply ‘unrealistic.’

The fact is that we could stand outside ‘forever,’ with our mouths agape and there is no way in the world that a ‘roasted partridge’ will ever fly in!

The odds are completely against this ever happening and it is like this also with a lot of things that we may cling very vehemently to as aspirations, hopes, dreams and wishes.

This is not to say that we should not have any. It is only to point out that it is wiser to actually get out and take the needed steps that would enable an ‘outcome’ to eventuate.

We must measure our wishes against our ability to create the causes that will engender the hoped for ‘conditions.’

When we wait too long, the chances are we may miss out altogether.

If you are into ‘roasted partridges’ it makes more sense to scour the markets.

There is a huge advantage in learning to ‘surrender’ to life and accept what actually ‘is.’ Instead of dancing through our days like animated ‘puppets,’ tossed about here and there, in a relentless cycle of ‘hope and fear,’ we can simply learn to relax and allow our attention to fully greet exactly whatever arises before us.

Most of the time, we do exactly the opposite. Our ‘attention’ is fixed elsewhere; any where, but right ‘here’ and right ‘now.’

We need not live our lives as slaves to longings, hopes, desires or fear. We ALWAYS have a choice.

We can do ourselves the greatest possible favor and recognize the treasure of the ‘present moment.’

The ‘present moment’ deserves our closest attention, gratitude and even devotion.

Take the hint and look again more carefully at the very thing that you routinely take for granted. Things are seldom ever quite as they ‘appear’ to be.

This present moment, when it is just lived out for what it is, provides us with the supreme opportunity to discover an incredibly important truth.

If it were not for the present moment we could not exist at all.

Truly this present moment is precious indeed!