Paid to Travel? Can You Really Get Paid to Travel (or for Free?)
Traveling… ahh yes, doesn’t EVERYONE LOVE TO TRAVEL? Well, I know, I know… the pains of connecting flights, delays, cancellations, dragging luggage a mile across terminals… the hassle of renting cars, fighting traffic in a foreign country (and figuring out which side of the road to drive) and trying to figure out what the guy is telling you when all’s you asked was “where is the bathroom?”… Aside from all of that, is it not the greatest feeling when you can step away from the normal routine, take a few deep breaths and realize you have nothing to do but sit on the beach… your hardest decision is if you’re going to have steak or lobster that night… and your biggest worry is if you have enough sun screen? That’s what traveling is all about… when it transposes us from our everyday lives and places us in a completely new culture… seeing, breathing, eating and dancing to what people 10,000 miles away from you are doing and thinking to yourself “this is the kind of stuff you see on TV”. That’s when it’s all worth it… that’s why traveling is so amazing.But, one of – if not “THE” – biggest obstacles in traveling is that little green piece (or many pieces) of paper called MONEY. Whether you’re trying to visit a friend in Dallas or take your wife to Bora-Bora, it all costs Money-and a lot of it. The days of those Southwest “$49.00″ fares are long gone and even the little weekend getaways whack a dent in your pocket book. There are definitely ways to shave off a few dollars here and there, but no matter how you slice it, traveling is expensive. Not everyone has a cush, 6 or 7 figure salary that allows them to take off 6 day weekends or weeks at a time to party in Ibiza. So, is there really a way to travel-and I mean really travel-and either get paid or travel for “free”??The travel industry is an $8 TRILLION DOLLAR INDUSTRY. Yes, you read that right… that’s Trillion with a capital “T”. So, other than the hotels, airlines and luggage manufacturers, how can you get involved?Let’s take a look at some of the ways you can earn a living, traveling across the world:Flight Attendant: This is actually a great way to visit a LOT of places-FAST. The average flight attendant makes $37,000.00 a year, with the higher level salaries hovering in the $75,000.00-$90,000.00 range. It’s definitely an advantage if you know more than one (1) language. Flight attendants receive a daily per Diem for meals, along with flexible work schedules, discounts on flights, hotels and travel expenses for vacation. The downside is that when you are working, the flight schedule can be grueling-traveling to multiple cities in a 12, 18 or 24 hour time frame. When you finally stop to rest, the urge to go sight-seeing or check out the city, is traded out with the simple need to sleep in a bed. Oh yea, I forgot to mention… have you ever NOT seen a few angry, annoyed or upset people on your plane? Yep, be prepared to deal with those rude customers during your 12-24 hour shift!Commercial Airline Pilot: Same deal with flight attendants, in terms of work schedule, but the pay is much better-depending on the size of the jet and company, you can be making $121,000.00 a year. If you want to go to flight school, pass your minimum 250 hours of flight experience, go for it! Just make sure you have perfect vision and hearing. Again, if you want to make this a career, you will visit cities all over the country (and the world), but be prepared to deal with thousands of customers, weather and equipment problems, grueling schedules and the stress that comes along with the responsibility of flying so many people to different places.Travel Agent: As you may already know, travel agents know all about the best places to visit. They are the middle men between the hotels, airlines, tourism bureaus and the travelers. More than likely, they have an opportunity to visit some of these places so they can see everything for themselves-that’s a pretty sweet perk, eh? Typical salaries are anywhere from $25,000.00 to $35,000.00 and most likely be required to enroll in some sort of training, typically with the Travel Institute.Freelance Writer or Photographer: What a cool job this would be… traveling all over the world… spending your time with various cultures, observing how the people communicate, eat, sleep and worship. You truly are “free”, relaying what you see and experience to the people sitting on their couch, thousands of miles away. Only catch… well, it’s that one thing we talked about a little earlier: MONEY. Obviously, you are not going to get paid before you get to these places, so be sure to plan this out a little bit, stock up some green in your checking account and pick up some pointers on how to express yourself with the pen & paper or with the camera. Try to develop some sort of “following” so you have a good base of people reading and viewing your content. Do not try to fly to India with a thousand bucks and an iPad, expecting to start a travel blog that generates cash, allowing you to wander the world for the next few years. You might as well go to your nearest casino and play blackjack. If you can pull of this occupation (and to those that currently do this), I tip my hat to you-great work!Okay, now that we have gone over a few of the travel “jobs”, you may be saying, “well, I like my job right now and don’t really feel like dealing with all of those people and flying across the country 6 times, only to sleep in Des Moines for the night.” If you’re in between jobs, just out of school or simply want to take a “sabbatical”, why don’t you consider these routes in traveling the world:You Speak English?: Speaking English can provide access to countries in all places across the globe. Some companies offer free room & board in exchange for you to help their employees enhance their English speaking skills and knowledge. There are also programs you can find on the web that well set you up with a certain country and company in order to train their people English. Now that you have your room & board covered, now we just need to figure out how we can pay for food and drink…Start Giving Back: Feeling charitable or want to help others? Why not look to jump on a church mission trip, Habitat for Humanity-International, or if you can take off more time, join the Peace Corps? Obviously, this is not going to be as glamorous as sailing the Mediterranean, island hoping the Greek Isles, but if you want to feel good about helping out people less fortunate-and work hard-pack your bags and sign up for a volunteer opportunity. You will definitely see some places without paved roads, running water and people simply looking for a roof over their head. Giving the less fortunate the simple things we take for granted: food, clothing and shelter, will give you new sense of gratitude, after completing one of these tours.All of these ways to travel are great and all, but how many people have the opportunity to take off extended amounts of time or have the nerve to just walk away from their job and become a commercial pilot or join the Peace Corps? Everyone has a job because it pays the bills and gives us financial security. I don’t know about you, but I am responsible for my wife and three(3) children, thus taking the plunge on the “unknown” is absolutely NOT realistic.So, back to the original question above… How can you realistically travel for free? And when I say, “travel”, I mean, really travel… That means taking a care-free vacation… not having to worry about if you can afford to leave the resort for dinner that night, or buy those extra pair of sunglasses… Care-free travel means doing what you want, when you want and not worrying about the bill when you get back home. Let’s break down a few ways in which we really can travel for free (or as close to it as we can get)… or even better: GET PAID TO TRAVEL!Use Those Points!: You know, I always knew I was going to be thankful for all that money I spent on my credit card. Now that I racked up all that debt, I also racked up all those points! Points I can use towards booking a new flight or maybe pay for my stay at the Bellagio in Vegas… where I can blow even more money!… I’m kidding!… kind of. Whenever you are looking to obtain a new credit card, choose the card that offers the most, when used. Compare the interest rate for charges and cash advances, the annual fees and also the credit card that provides the best rewards. If you fly a certain airline, be sure to input your frequent flyer number to gather those miles. Use travel sites that allow you to accrue points when you purchase flights, hotels, cruises and rental cars. You’re paying for this stuff anyways, so why not try and earn a little more for the next time you want to take a trip?Vacation Packages through a Resort or Company: Very similar to a travel agent, only you are selling pre-packaged vacations at a discount to consumers. Instead of creating a customized travel package based on what and where the customer likes, you are selling a pre-packaged stay at a specific resort or hotel/resort/meal itinerary. They come in all shapes and sizes… and they can be dirt cheap (think: hotel next to Senor Frogs-Cancun during Spring Break), or the Rolls Royce type of trip. Depending on the type of company or resort, there are many perks with the access to all of their locations, with commission schedules pretty generous. There are limitations on the demographic of the clientele and if you are representative a company or resort with mediocre selections-and reviews-then it may put you in a rock in a hard place.Direct Selling with a Travel Company: With this, you really do have the opportunity for the best of both worlds-traveling the world on the cheap (or in some cases, for FREE!) and making money. Typically, people that get involved in this industry already have a full time job and are looking for a better, cheaper way to travel and an additional source of income. It can be extremely lucrative, in terms of creating wealth and a residual income, but a lot of the members simply take advantage of the fact they can generate a few extra dollars every month and access to the premium resorts at wholesale pricing. The direct-sell companies in the travel industry offer 5 star packaged vacations at 2 Star pricing, as well as access to their trip planning website that works like an Expedia or Travelocity. Also, confirm there are ways you can accrue points, when you buy flights, vacations, or even their travel mall, so you can use those points for a free trip. Bottom line: do your research… choose a company that has a great reputation and make sure you have a good support system… thousands of people are catching on to these companies and are really capitalizing on the residual income and extremely low cost of travel.As you can see, traveling for “free” is really only for professional poker players and the kids with enormous trust funds. You are going to have to work one way or another-whether it’s building up a stockpile of cash and funding an overseas trip or jumping into a new occupation on a plane or abroad. There are multiple ways you can get paid to travel, as well as minimizing your travel costs through various companies and resources… it’s all a matter of preference on what you want to do and how much time you have. Traveling can be a life changing experience or simply a much needed time-out from our crazy lives. Whatever you choose, just make sure to not take it too seriously and enjoy yourself!”Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do.”
-Steve Jobs
Health Care is a Rip-Off
What we call health care is a bad deal for the consumer. The name alone is a lie. It should be called “sickness care” or even “sickness facilitation ” because, for those who are covered, it tricks them into placing the responsibility for their health on their doctor. This is a big mistake.We are each individually in charge of our own health. How can the doctor be at our side all day and night to counsel us to “Put that cigarette out!” or “Don’t eat that cheeseburger! Remember your high cholesterol!” By the time we are forced to go in to the clinic by some scary symptom, we are already in trouble. It is too late for health care — now it’s time for drugs and scalpels.Depending on a doctor for information on preserving your health is like closing your barn door after your horse has escaped. It’s too late for doing the easy, inexpensive course of action. Now, you’re in for it!So, forget about health care. Health care is not about health. It is all about getting you back on the factory floor or back in your cubicle, ready to work, so you can keep paying your premiums. It is about extracting as much money as the law allows by sending you in for tests, which you may or may not need. It is about selling you prescription drugs that you are instructed to take for the rest of your life — drugs that counter the effects of your bad food choices, for example.Doctor: “The lab tells me you haven’t brought your cholesterol down with a change of diet and exercise since the last time I saw you, John. What I can do — to get you down into a safe range for your LDL — is give you a prescription for Lipitor.”Patient: “Sorry, Doc. I just can’t give up my favorite foods — eating’s the only pleasure I have left after the wife left me. And taking walks around the block just isn’t my style.”Doctor: “That’s fine, John. We’ll try Lipitor, then, and see how that works for you. Schedule a follow-up appointment with my staff before you leave. Call me if you have any problems.”Health care is a rip-off because:It doesn’t address the real problems that cause most of our illnesses (Namely: our diet, smoking, excessive drinking, and lack of exercise)By the time we begin to have symptoms of some disease, it is usually too late for inexpensive interventionMost of what ails us, we bring on ourselves — to correct the after-effects of this is an enormous task…So health care is really not about caring for our health, it’s about facilitating our bad behavior and then extracting as much money as possible from whatever source — the patient, the employer, or the taxpayers in generalOut-of-control malpractice claims, together with the need for doctors to keep their high-tech diagnostic equipment in use, have encouraged doctors to order many unnecessary and expensive testsWhen the federal government got involved is when costs skyrocketed (with the advent of Medicare in 1965)Setting the whole complicated mess under the thumb of the insurance industry added another layer of bureaucratic expense and the need for ever-increasing profitability because these are publicly owned corporations that are expected by the stockholders to show improved profits every quarterThis distorts the quality of care and gives incentive to finding new services to sell. It’s all about the bottom line, not about the health of the patient anymore.Our health insurance system, by itself, adds 20% to the cost of the medical services provided. Other countries have better health results for 1.5-6% administration costs! We’re being over-charged, plain and simple.The pharmaceutical industry charges markups of 2000-30,000% of the ingredients in the drugs they sell. Fifty percent of their costs are not for research and development(much of which is subsidized by the taxpayers), but for their marketing expenses — everything from fancy dinners for doctors who sell lots of their medicines, to the many two and three page ads in magazines urging patients to “Ask your doctor if Dynofab is right for you,” to all-expenses-paid trips to Hawaii to educate doctors on that company’s latest prescription drugs.In the end, we all must pay for the rich system of perks and comforts of those who have been entrusted with our health. Or, we must find out for ourselves how to maintain our own health.With the present system, the public is not clearly shown how to prevent disease, nor how to maintain optimum health for a long successful life. We are encouraged to turn this sacred task over to others, many of whom know little about how to maintain health and a great deal about ways to make a lot of money by shunting patients through a labyrinth of tests, drugs, and procedures at a substantial profit for the providers, even if the patient doesn’t survive it all.To be fair to doctors, very few of them know much about how to preserve health through intelligent nutrition. They only live to an average age of 57, while their patients live an average of 75 years, more or less. So, doctors are not experts on health — it is more accurate to call them sales agents for drugs, diagnostic tests, and surgery.Asking Congress to negotiate us a better deal is foolish. The wise consumer will find and implement a comprehensive program to protect their own health, so they will not find themselves begging for medical care at the end of their life. Without knowledge, the consumer has no power in the negotiation for a fair deal.All the unsophisticated, unhealthy consumer can expect is a rip-off when they are forced to beg Congress for affordable health care. Who would like to break the news to them?
A Complete Rethinking Of The Very Concept Of Education
Never before has American education been in as precarious a situation as it seems to be at present. For over ten years now we have seen many governors’ summits, and a host of commissions, committees, panels, unions, boards and business executives trying to warn citizens that American schools have become dysfunctional and are in dire need of repairs. And for over ten years the results of student performance have worsened despite the billions being spent to stop the downward trend. Perhaps the time has come to stop and try to examine the problem rationally. It is not the first time that American education has reached a threshold at which only radical solutions seem to be called for. This time, however, reformers are calling for a systemic reform, a complete rethinking of the very concept of education. As politicians, educators, academicians, psychologists, sociologists, and CEOs entered the fray, the well-intentioned movement became murky and increasingly chaotic. It soon became clear that the reformers truly intended a clean sweep of what education had meant to Americans.The acquisition of knowledge for its own sake, the study and appreciation of great works by outstanding minds and artists, the acquisition of communication and mathematical skills, the objective search for scientific knowledge, the analysis and assimilation of ideas and ideals that enabled western civilization to serve as a beacon for the rest of the world, all of this was suddenly declared superficial, politically motivated, artificial, and unneeded. The new education was to turn from such academic trivia to preparing the new person for the 21st century, a person aware of the leading role that was to be played by the new technology which in some way will take care of all the other academic “frills” that had marked the progress of the old education, the education of the past.The search for truth, which was at the heart of the traditional academy, was to be replaced by the promotion of the social and emotional growth of the individual while preparing him or her for the demands of the “real life.” As a result, a bevy of researchers and educators started scurrying around for a system that would accomplish this. A goldmine seemed to be struck when a group of sociologists and educators, with the assistance of politicians and business executives, came across a program that had been around for some time and that had close connections with Dewey’s “progressive education.” Known as Outcome Based Education, it called for a much greater emphasis on the affective dimension of the educational process at the expense of the old academic rigors. Basing itself on the conviction that it’s a disproven theory that children must first learn basic skills before engaging in more complex tasks, the stress was now to be placed on the “more complex tasks.”The educational process was to move from concepts to facts rather than vice versa. This called for a complete revamping of teaching methods. Instead of the teacher being an authoritative figure in the front of the class, he or she was to be a “coach” or “facilitator” helping the class to discover knowledge in small groups working on one or more projects. Working together in groups would prepare students for the team approach used by industry. It would also “level the playing field” so that the disadvantaged would have the same opportunity as others in the learning process. This brings us to the two dominant mantras of the new education. One is that it must foster self-esteem; the other that “it takes a whole village to raise a child.” The first requires that students must acquire the attitudes, values, and feelings that would lead to a smooth, painless transition to the “real life,” as defined by experts; the second requires that the child’s entire community participate in defining his or her education. As for assessing the results, standardized tests are out for the most part. Whatever testing is done must be supplemented by portfolios containing a student’s work record that follows him or her throughout his or her schooling and beyond. In short, primary emphasis is place on the student’s ability to process information rather than to acquire and to retain knowledge of content material or a discipline.The general movement is from academics to behavioralistic concerns, from the cognitive to the affective domain. The sharp contrast with “traditional education” is obvious without going into further detail. Since the results so far can only be called dismal, should we not mark time for a while to see where we are going? Should self-esteem be the ultimate goal of education? Should the “whole village” be involved in defining a child’s education? Should the idea of knowledge acquisition defer to the acquisition of skills for the new technology? Has the concept of education become so controversial that it calls for a new definition? The two great revolutions that shook the world, the French revolution of the 18th century and the Industrial Revolution of the 19th, tried in vain to redefine education. The passage of time inevitably justified a return to the time-tested concept of the educated person developed by the ancients and the European Renaissance. The latest example of this occurred shortly after World War II when the Soviet Union suddenly seemed to be outpacing us in the new technology with the launching of Sputnik in 1957. No less than the American commander-in-chief responsible for the defeat of Hitler agreed that rather than have American education turn to the wholesale training of technical experts, it should continue stressing the liberal arts and the development of well-rounded citizens. The payoff came with the fall of the Soviet empire. It has also come in the form of the amazing continuation of Americans winning more Nobel prizes than the rest of the world combined.In a new study recently published by two professors with impressive credentials, we even find the incredible thesis that the entire substructure supporting the current educational reforms is based on faulty and unsubstantiated research and statistics. The study challenges the notion that American schools are failing and are inferior to European schools. The authors ask how Americans could possibly have escaped the conclusion that education in this country is in a deplorable state. The authors then proceed to present statistics supporting their conclusions. Even granting that their handling of the statistics has been seriously questioned, the main thesis is still valid. Does the success of American education over the last two centuries justify the sudden storm of criticism directed at our schools? The call for a complete overhaul and “reinvention” must certainly be approached with great care. Such a radical approach may well affect not only the general direction but the basic philosophy of an educational system that has given our country the leadership in almost every area of human endeavor. We thus come to the basic question that must be asked. What should be the basic purpose of American education? Is it to prepare for adult life, and, if so, what do we want adult life to consist of? Or is it to fulfill the promise contained in our Declaration of Independence: the guarantee of life, liberty, and the pursuit of happiness? Could it be the ancient adage of Know Thyself? A Renaissance sage considered virtue the only constant in mortal affairs because she alone “can make blessed those who embrace her and wretched those who forsake her.” He defined virtue as the capacity “to feel rightly about God, and act rightly among men.” Given the recent interest in the teaching of character, should virtue be education’s primary goal? Can any or all of these be summarized in the concept of wisdom? And don’t most or all of them fall in the category of what has been considered “academics” since the days of Plato and Socrates?It is essential that we measure what progress has been made before proceeding. We therefore respectfully urge the leaders of future Summits to use their influence to make certain that the radical programs being thrust upon schools in an attempt to “reinvent” education nationally be carefully reexamined. Schools have already been overburdened by the intrusion of social services, health services, special interest groups and the attempt to make them all-purpose community centers. We must not blur the distinction between “schooling” and “education.” Any Summit that does not take into account the opinions of those parents, taxpayers, and citizens who are rightfully skeptical of what has transpired in the last ten years of the reform efforts is bound to create further tensions and misunderstandings that could lead to the crippling of the American school.
Private Student Loans Or Alternative Education Loans Can Fill The Gap To Pay For College
Private loans, also known as alternative or private student loans, are providing a growing number of college students with much-needed education funds to cover college-related expenses that may not be covered by award caps, Federal student loans, scholarships and grants. As long as proof of enrollment is provided to your lender, and you qualify, you could use a private loan to pay for almost any of your educational expenses. Some private loan lenders even let you borrow to pay for previous school fees.Got bad credit, no credit? That’s not a huge obstacle – as you will find out, using a qualified co-signer when applying for a private loan can mean a greater chance to get approved for your loan, a lower interest rate and a higher loan award!Private student loans – Pay for just about all your college-related expenses, not just tuitionIt’s important to take advantage of Federal student loans first, because they usually offer the lowest student loan interest rates.To apply for Federal student loans, just complete a Free Application for Federal Student Aid (FAFSA Form). However, Federal student loans may not be enough to pay for your tuition, not to mention other costs of attending college.What’s especially valuable about private loans is that you may use them to pay for practically all your college-related expenses, including:
Tuition and fees
Books and supplies
Computer/laptop
Room and board
Transportation
Living expenses
Private student loans help you get you the education funding money you needUnlike Federal student loans, private loans distribution amounts are not solely based on predetermined need – you can apply to borrow as much or as little as you feel you need to cover any of your educational expenses. Just be sure not to over borrow to keep your student loan debt at a manageable level.Depending on the type of private loan you are seeking, many private loan lenders offer qualified borrowers private student loans as little as $500 or as much as $40,000 or more per year to cover your cost of attendance, less other aid you may receive (such as grants, scholarships or Federal student loans).Applying for a private student loan could get you the money you need EASIER and FASTERWhile approval for Federal student loans requires time and the need for financial aid forms, you could be pre-approved for a private loan within minutes of applying and your funds could be sent to you within just days of final approval! Many times the private loan application process is very simple and can even be done either over the phone or online.Not a full-time student? You can still apply for a private student loan!Even if you’re taking just a couple courses, you could still be eligible to receive a private student loan to cover the expenses. Most private loan lenders will give you a loan whether you’re attending college full-time, part-time or half-time.Unlike Federal student loan awards that are based on an individual’s financial need and EFC (Estimated Family Contribution) amount, private loans allow you to apply for as much money as you think you’ll need to cover your educational expenses. Even International students with an eligible U.S. co-signer are eligible for private loans. Most private loan lenders have just a few criteria for an individual to be eligible to apply for a private loan, such as:
Must be creditworthy applicant or have a creditworthy co-borrower;
Must be a U.S. citizen, U.S. permanent resident, or international student with qualified U.S. citizen or U.S. Permanent Resident co-signer;
Must be within the age of majority by your state (typically 18 years of age);
Other qualifications, such as employment status and history, enrollment verification and attendance at a qualified school, and income verification are often required by most private loan lenders.
A plethora of private loan types availableMany private loan lenders have private loan products tailored specifically for your student status, including:
Undergraduate students;
Graduate students;
Medical students;
Law students (Law School and Bar Study Loans) and other professional degree seekers;
Continuing education students;
Kindergarten through high school, especially for private schools (also known as K-12 private loans)
Getting a private student loan or alternative student loan is based on your own creditworthinessBecause private loans are made by private institutions rather than the government, your ability to get a loan is based on your credit history, ability to repay a loan, employment history, debt-to-income ratio and other criteria. As a student, you may not have had the opportunity to build up a solid credit history. That’s why having a co-signer can be in your best interest (no pun intended!).Got bad credit or no credit? No worries, having a co-signer can help you get a private loan!Since the loan amount and your interest rate will be based on several criteria of merit, often a credit-worthy co-signer could not only increase your chance of getting approved but also help you obtain the loan amount you’ve requested along with a lower interest rate. In addition, using a co-signer can help improve your own creditworthiness.Unless you’re employed full-time, have excellent credit and a decent annual income, it is often recommended to include a creditworthy co-signer when you apply for your private loans to increase the chance of qualifying for one. Your co-signer can be a parent, relative or other creditworthy adult.Many private student loan or alternative loan lenders give you various repayment terms and options for greater flexibility and manageability of your private loan balanceMost private loan lenders will defer your payments while you’re in college (length of time determined by the type of program you studied) and give you a grace period of 6 months before you are required to start repayment to give you time to get financially situated after college. To make things even more convenient, many private loan lenders will give you a choice of repayment terms, including:
Immediate payment of principle and interest; or,
Immediate repayment of interest only; or,
In-school deferred repayment of principle and interest until leaving college.
Forbearance options may also be available during repayment should you experience economic hardship.When it comes to paying back your private loans, many lenders give you up to 20 or 25 years based on your original loan balance and type of private loan.No pre-payment penalties mean that so long as you make your minimum payment, you can pay off your loans as quickly as you want, without any additional costs or fees!Many lenders offer their private loan borrowers valuable money-saving benefits. So take advantage of such savings, including: An interest rate discount for automatic payment from a savings or checking account; An interest rate discount for simply making on-time payments. Little or no origination fees, if you or your co-signer has good creditNeed more money to pay for college? Private student loans are here for you!As you start or continue your education, remember that the availability of private loans [http://www.onesimpleloan.com/private_loans.asp?referer=ezineprivateloans] offers you an option to fund your education when you don’t know where else to turn for the money you need.