Cool India – Travel Tips

If you’ve picked India as your travel destination, here are some cool India travel tips that would make your journey enjoyable and as smooth as possible.As with any other travel to a foreign destination, do research beforehand. Purchase a travel guide that has the basics that will be useful throughout the duration of your trip. This includes the weather, the language, currency, food, means of transportation and more importantly the culture. This will prepare you for the trip and will help you make adjustments if you have to.The appropriate clothing when traveling to India would be to wear light pants. Shorts are to be avoided so you are safe to roam the cities and towns of the country. A safe tip when traveling anywhere is to always seek comfort before fashion. Wear comfortable shoes like sneakers or flipflops rather than heels or any other sandals that would kill your feet.There are a lot of beggars in India. When you encounter them, it’s your decision to give them rupees or not. If you must, then give it to kids just before hopping into the car or you might get mobbed. It is not a requirement to give them alms.The black market is also prevalent in India. A good tip is to avoid them at all costs. You won’t get good deals and might just end up going to the Indian jail.When dining out, choose places that are packed instead of the empty ones. It’s okay to wait for a table rather than go to an empty place because this means that the food that the place serves might not be that fresh. If you have a picky tummy, then choose safe food choices like veggies rather than red meat. Red meat can cause greater damage to your body especially if it’s spoiled and India doesn’t have the best hospitals.Be sure to carry around first-aid materials and medications. It’s safer to drink your own meds than to buy from Indian drug stores. Don’t order Western foods except if it’s from big, well-known fast foods. This is because not everyone orders these types of food, and chances are – they might not be as fresh.To be safe, drink soda instead of water. If you must drink water, opt for bottled mineral water and be sure they’re sealed. You can never know if water from a foreign place is potable unless your stomach starts acting up.Make hotel reservations ahead of time. This will eliminate the worries of having a place to stay and will also avoid rip-offs. A lot of people in India might take advantage especially if they see that you’re a tourist.Don’t wear valuables when exploring the city. This is also part of the cool India travel tips because there’s no point showing off those flashy accessories. They might get stolen and you don’t really need them.Have a local tour you around the place. This is for your safety and will ensure that you don’t get lost or charged double the price, say for a taxi or food.

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Baby Boomers Have Retirement Regrets

If you were born between 1946 and 1964, then you are officially in the baby boomer age group. That being said, during the year 2010, all baby boomers were turning 46 to 64 years old! Are you part of this oh so famous group, if so, Jeanie Ahn of Yahoo Finance wrote in an article today that if you talk to enough baby boomers or new retirees about what they wish they could do differently, chances are many of them would mention a retirement plan do-over of some kind.
And even if you’ve managed to build up a sizable nest egg, executing on the right way to withdraw those funds is just as important as saving. Crucial mistakes along the way can jeopardize the money you’ve worked so hard to save up.

Below are some of the costly mistakes Dorrell says you can avoid:

Regret #1: Relying on your pension

Two summers ago, I think I got about 55 phone calls from clients who expected that they would continue to get a pension from [their company], and all of a sudden they were getting called to a retiree meeting where they were being told: “Here, we’re going to just cash you out,” or, “You can continue with an annuity with this company that we’ve partnered with, but we’re not going to do it anymore.” Others have said, “It’s your responsibility to invest it or put an income stream to yourself from it.”

My advice for people who are left with a bucket of money is to invest it safely. The last thing you want to do is put that money in the stock market and risk it – that may mean back to work you go! And who wants to do that in their 60s?

I would suggest safe bank-insured investments like CDs or money markets. If you can stomach a longer-term investment for a better return, then utilizing a fixed index annuity with an income rider to guarantee an income for life, similar to a pension, is recommended.

Regret #2: Having too many accounts

The most I’ve seen is 16 different retirement accounts at different institutions. It becomes overwhelming. So while they’re trying to have this nest egg, what ends up happening is they have a bunch of scrambled eggs. They have things all over the place and they laugh when we talk about this, but it is a source of concern because they just tend to not open those statements.