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The Simplest Ways To Save Money In Your Next Trip

The Simplest Ways To Save Money In Your Next Trip

With the weather outside so frightful, it’s understandable if thoughts of travel are filling your head. Whether you have a winter getaway in mind, or you’re trying to get a head start on summer vacation planning, here are a few money-saving tips that you should keep in mind:

Credit Cards Are The Best Way To Go

While everyone thinks about paying for a vacation from an affordability standpoint, few consider what type of payment to use once there. What method of payment for airfare, lodging, and other accommodations, will you use? Will you use your credit card, debit card, cash, or even checks, when applicable?

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Credit cards are the best way to go. They save on both cost and hassle. They offer a wide array of money-saving benefits and protections that are not available with cash, or even debit cards.

Best Exchange Rates

Currency conversion is a factor whenever you travel internationally. Exchanging dollars for the local currency can either save you or cost you a lot of money. According to CardHub’s Annual Currency Conversion Study, Visa and MasterCard both offer lower exchange rates than local banks or Travelex. Instead of converting physical currency, you should take a Visa/MasterCard credit card with you on your international travels. This way, your money can be converted automatically at the point of sale.

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Complimentary Rental Car Insurance

Most credit cards automatically provide rental car collision and damage insurance coverage. You simply decline the rental company’s supplemental insurance (which is money-saving in-and-of-itself) in order to use the credit card insurance.

Rewards for Usage

Credit cards offer spending-based rewards. Accumulate points to help with ongoing expenses, earn free hotel nights, or even a free flight. Many credit card companies offer impressive rewards bonuses to entice new customers. Presently, the Chase Sapphire Preferred Card will give you a $400 statement credit for spending at least $3,000 during the first three months; the Barclaycard Arrival Card offers $400 to use for any travel-related expense when you spend at least $1,000 in the first three months. These awesome incentives pay you to vacation! Keep in mind that you need excellent credit to qualify for such offers.

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Fraud Protection

If criminals somehow get your credit card information and charge expenses to your account, you won’t be held liable for payment. The four major networks–Visa, MasterCard, American Express, and Discover–offer blanket $0 liability guarantees.

The same protection also covers debit card transactions, as long as you choose to verify your transaction by signature rather than PIN. However, with a debit card, money from your account is removed immediately at the time of transaction. You must make a claim with the bank to get your money back, and to prevent automatic monthly payments from being declined due to insufficient funds. With a credit card, you have the ability to spot and correct fraud before you make a payment on your account.Money-saving is impossible If someone steals cash right out of your pocket or purse–there’s simply no getting it back. If a credit card is stolen however, all you will need to do is deactivate that card, and have your issuer ship an emergency replacement.

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Other Considerations

The above is not meant to say that you should rely exclusively on a credit card for all travel-related spending. That is just not possible. There will always be merchants and service providers who only take cash. Along with a credit card, you should also carry an ATM card that has low, international ATM-withdrawal fees, so you are able to get to your cash, no matter where in the world you are visiting.

If you are planning an overseas trip, make sure to watch out for a merchant practice called “dynamic currency conversion.” This is when a merchant offers to convert your purchase total into dollars, using the reason that it is for your convenience. This convenience is really so the merchant can overcharge you on the exchange rate and increase their own profits.

Bottom Line

These tips and tidbits are a lot to consider. However, by keeping in mind these money-saving ideas, you will be able to plan the perfect trip. Use these tips to get you through the colder months and off to your vacation paradise!

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Last Updated on June 20, 2019

Science Says Guitar Players’ Brains Are Different From Others’

Science Says Guitar Players’ Brains Are Different From Others’

There’s nothing quite like picking up a guitar and strumming out some chords. Listening to someone playing the guitar can be mesmerising, it can evoke emotion and a good guitar riff can bring out the best of a song. Many guitar players find a soothing, meditative quality to playing, along with the essence of creating music or busting out an acoustic version of their favourite song. But how does playing the guitar affect the brain?

More and more scientific studies have been looking into how people who play the guitar have different brain functions compared to those who don’t. What they found was quite astonishing and backed up what many guitarists may instinctively know deep down.

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Guitar Players’ Brains Can Synchronise

You didn’t read that wrong! Yes, a 2012 study[1] was conducted in Berlin that looked at the brains of guitar players. The researchers took 12 pairs of players and got them to play the same piece of music while having their brains scanned.

During the experiment, they found something extraordinary happening to each pair of participants – their brains were synchronising with each other. So what does this mean? Well, the neural networks found in the areas of the brain associated with social cognition and music production were most activated when the participants were playing their instruments. In other words, their ability to connect with each other while playing music was exceptionally strong.

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Guitar Players Have a Higher Intuition

Intuition is described as “the ability to understand something instinctively, without the need for conscious reasoning” and this is exactly what’s happening when two people are playing the guitar together.

The ability to synchronise their brains with each other, stems from this developed intuitive talent indicating that guitar players have a definite spiritual dexterity to them. Not only do their brains synchronise with another player, but they can also even anticipate what is to come before and after a set of chords without consciously knowing. This explains witnessing a certain ‘chemistry’ between players in a band and why many bands include brothers who may have an even stronger connection.

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This phenomenon is actually thought to be down to the way guitarists learn how to play – while many musicians learn through reading sheet music, guitar players learn more from listening to others play and feeling their way through the chords. This also shows guitarists have exceptional improvisational skills[2] and quick thinking.

Guitar Players Use More of Their Creative, Unconscious Brain

The same study carried out a different experiment, this time while solo guitarists were shredding. They found that experienced guitar players were found to deactivate the conscious part of their brain extremely easily meaning they were able to activate the unconscious, creative and less practical way of thinking more efficiently.

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This particular area of the brain – the right temporoparietal junction – typically deactivates with ‘long term goal orientation’ in order to stop distractions to get goals accomplished. This was in contrast to the non-guitarists who were unable to shut off the conscious part of their brain which meant they were consciously thinking more about what they were playing.

This isn’t to say that this unconscious way of playing can’t be learnt. Since the brain’s plasticity allows new connections to be made depending on repeated practice, the guitar player’s brain can be developed over time but it’s something about playing the guitar in particular that allows this magic to happen.

Conclusion

While we all know musicians have very quick and creative brains, it seems guitar players have that extra special something. Call it heightened intuition or even a spiritual element – either way, it’s proven that guitarists are an exceptional breed unto themselves!

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Featured photo credit: Lechon Kirb via unsplash.com

Reference

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