Nowadays, there are many ways to pay an invoice. Especially abroad, many people are thinking about how best to pay. Using a credit card is usually the right solution. But which one is actually better for the holiday and what do travellers have to pay attention to? In this article, holidaymakers will learn why a credit card is advantageous and what different options exist.

Different credit card types

Credit cards can have different conditions, interest rates, and limits. Therefore, it is important to deal with the different types of credit cards. These two different cards are available:

• Debit card: Debit cards are usually linked directly to the checking account and immediately withdraw the money from the account once a payment is made. They are like electronic checks and quite convenient to use. However, they don’t always offer the same protection and reward benefits as a credit card.
• Credit cards: With the credit card, the system works something different. Customers receive a credit line that they can exhaust up to a certain point. This means they borrow money from the bank to make the purchases and pay them back later.
• Travel credit cards: These are specially designed cards that offer travellers special benefits. Vacationers can earn rewards when they make their travel purchases with them. But they can also come with annual fees and interest if customers don’t pay off their balance in full each month.

Consider destinations and needs

Choosing the right travel credit card depends heavily on the individual destinations and needs of the traveler. On the Internet, consumers can compare the offers with tarifcheck.de free of charge to find the best offer for themselves. All relevant information is listed there in order to be able to make an informed decision and simply apply for the credit card. Here are two key factors to consider:

• Influence of the destination on the choice of credit card: Each destination may have unique financial requirements and considerations. Some regions prefer to pay with cash, such as Greece, while others favour cashless settlements, such as France or Italy.

Of course, currencies and exchange rates play a major role in this. Last year, a lot of tourists went on holiday to Turkey due to the optimal exchange rate. Many travelers are therefore careful to choose destinations where they get the most value for their money. Choosing a credit card that is widely accepted in the resort and offers favorable exchange rates can greatly improve the financial travel experience.

• Travel budget and expense planning: Before the holidays begin, it is advisable to draw up a travel budget. The most essential points are the planned expenses for accommodation, food, activities and shopping. The credit card should be adjusted to this set budget to ensure that it is no longer spent. Holidaymakers must find out in advance about the annual fees and interest rates. In this way, travelers cannot exceed their credit limit and avoid high interest rates.

Rewards and Benefits

A big incentive when choosing a travel credit card is the additional rewards that many banks and credit institutions advertise. On the one hand, this creates the incentive to buy more than is actually necessary. While on the other hand, many advantages await customers. Credit card users have the following advantages:

• Cashback offers: This system has existed for quite some time and attracts a lot of customers. The concept of cashback is as follows: Consumers use the card for every purchase and receive money for it. With some credit cards, this is actually possible. This means that users get a percentage of their purchase back, which can add up to significant savings over time. Whether shopping abroad or visiting local stores, cashback islike a small gift that can help with travel expenses.
• Mileage or point rewards: Many people from America know the principle of miles. It’s another popular type of reward when vacationers make their travel purchases with their credit card. Those who have achieved a certain number of miles or points can later redeem the reward for free flights, hotel stays or other travel experiences. In this way, people who would normally not be able to ice several times a year can fulfill this dream.
• Travel insurance and protection services: Travel can bring unpredictable events, from delayed flights to medical emergencies. Many travel credit cards offer protections such as trip cancellation insurance, rental car insurance, and emergency medical coverage. This means that holidaymakers can start their holiday with peace of mind and are much more relaxed, knowing that they are protected in emergencies.

Costs and fees

In addition to all the rewards and rewards, there are of course fees and additional costs that go around with a credit card. The following deductions must be taken into account:

• Renewal fees: The annual fees are incurred regularly if customers want to continue using the card. Some credit cards do not charge an annual fee, while others charge for it, which can vary depending on the type of card. Many cards that require an annual fee come with additional benefits that can recoup the cost. The credit institutions want to retain their customers and therefore accommodate them in this way.
• Exchange rate fees: For people who travel abroad where a foreign currency exists, a conversion fee will be charged when purchasing with the credit card. When people abroad pay by credit card, exchange rate fees may apply. These fees are calculated when the home currency is converted to the currency of the country. It makes sense to look for credit cards that charge low or no exchange rate fees. This is because this fee can sometimes be very high.
• Cash Withdrawal Fees: Sometimes holidaymakers abroad need cash, whether for small expenses or because cards are not accepted everywhere. Withdrawing cash from ATMs is often not free of charge. They can be made up of a fixed amount as well as a percentage of the amount withdrawn. This fee payment is independent of the ATM operator abroad.

When you think about your next trip, you often have a rough destination region in mind. Some love to lie on the beach all day and tan in the Mediterranean sun, while others enjoy the view of the mountains even in the summer months and hike around the Alps for hours. Often, however, you can’t decide which country you want to travel to. Here it is a good idea to take a closer look at various cruise offers . After all, cruises are rarely limited to just one country, but head for many destination ports.

Popular Cruise Itineraries

In order to get to know different cruise routes, we took a closer look at the offer on the website of the popular and established provider MSC Cruises and picked out two routes:

Cruise through Northern Europe

A cruise through Northern Europe is a real cultural highlight – where else can you get to know so many different nations within a few days? In addition, the Northern Europe tour is also suitable for passengers who suffer from fear of flying or prefer to avoid the flight. After all, many tours start and end in the well-known German ports of Hamburg and Kiel.

If you decide to travel with MSC Euribia, you will get to know the cities of Copenhagen, Bruges, Le Havre, La Rochelle, Bilbao, Brest, Southampton and Rotterdam within just 14 days. Since there is not too much to explore in Southampton, you can book one of the day trips offered. So it makes sense that, in addition to London, Windsor Castle or Stonehenge, for example, can be reached within only about 1 to 1.5 hours drive.

Off to the Caribbean

Endless summer, white beaches, pure sun. Especially in the cold winter months, many holidaymakers like to escape the frost and decide on a long-distance trip. And if you feel like exploring different islands and their inhabitants, you can choose between the Indian Ocean or the Caribbean. Let’s take a closer look at the latter. We want it to be warm right away and therefore decide on Miami as our destination airport. MSC Cruises also offers Caribbean cruises from New York – in any case, only summery clothes will go into our suitcase.

The 14-day tour takes us via Jamaica, the Cayman Islands and Mexico to the Bahamas. There, a special destination awaits exclusively for travelers: Ocean Cay MSC Marine Reserve – winner of the TPG Award. Whether snorkeling or sunbathing, pure relaxation is the order of the day here.

If 7 days in the Caribbean are enough for you, you can leave the ship in Miami. Everyone else continues the journey and explores Nassau – the capital of the Bahamas. Other destinations on the round trip are the popular beach resort of Puerto Plata in the Dominican Republic and San Juan, the capital of Puerto Rico.

In between, there are always days at sea that you can use to enjoy the extensive service on board. But what does a cruise ship actually offer in terms of entertainment?

Entertainment on board

One thing in advance: Of course, you can also just take a seat on the lounger on a cruise and sink into a good book. You do it from time to time on holiday with solid ground under your feet.

However, for those who like to move and want to experience a little, MSC Cruises offers an extensive entertainment program.

Activities for children

Let’s start with the young travellers. In general, there are separate club offers for all possible age groups. This means that the offers are perfectly adapted to the needs of the respective age. While the little ones receive special attention in the Baby Club, the “minis” between the ages of three and six are particularly looking forward to the LEGO® Adventure Day.

Children of primary school age compete with their peers in exciting competitions, while the Young Club for 12-14 year olds offers an extensive range of games.

The teenagers will also compete in digital competitions on current game consoles.

Sports, Spa & Fitness

Are you a passionate tennis player and don’t want to let your training slip during your holiday? That’s right: With the exception of the MSC Opera, MSC Lirica and MSC Preziosa ships, you will find a tennis court on the MSC Cruises fleet to hone your groundstrokes.

But friends of ball sports can also actively participate in volleyball, football, squash and mini golf. If you prefer fitness and are not busy due to the power walking round around the ship, you will certainly make friends with the modern gyms. These can be found on all ships in the fleet.

Outdoor

Of course, young and old will find refreshment in the pool facilities of cruise ships. On some selected cruises, however, depending on the selected ship, water parks, high ropes courses, slides and even the robot-based action ride Robotron are offered on board the MSC Seascape.

Evening

Of course, there is also an extensive show programme and mini disco for the little ones on all MSC Cruises ships. However, most ships also have very special extras. So it’s worth taking a look at the equipment of the ships in advance before booking the trip.

Autumn, a season of fascinating changes in nature, offers the ideal conditions for unforgettable hikes. In this article, we’ll explore the magnificent autumn landscapes and the reasons why autumn is the perfect time for outdoor adventures.

The beautiful autumn landscapes

Autumn is undoubtedly one of the most beautiful seasons for hiking. Nature presents itself in all its glory when the leaves of the trees turn into a bright play of colors. The warm reds, vivid oranges and soothing yellows of the leaves conjure up a breathtaking backdrop. The autumn landscapes are a feast for the senses, a real feast for the eyes.

A walk through the forest in autumn makes hearts beat faster. The rustling leaves under the hiking boots produce a soothing sound that drives away the stress of everyday life. The clear autumn air is filled with a scent of fresh leaves and earth that invigorates the lungs and refreshes the senses.

In addition to the forests, the autumnal mountains and valleys also offer breathtaking views. The mountain peaks are often covered by a thin blanket of snow that glistens in the morning sun. The valleys are streaked with fog, which slowly settles over the landscape and creates a mysterious ambience. Autumnal lakes reflect the surrounding trees and blue skies, and the reflections on the surface of the water are simply mesmerizing.

Why hike in autumn?

Why should you hike in autumn? There are many reasons that make this time of year particularly attractive for outdoor activities. First, the weather in autumn is often pleasantly mild. The heat of summer is over, but the bitter cold of winter has not yet set in. This creates ideal conditions for hikes where you don’t break a sweat or freeze.

Secondly, the autumn landscapes are less crowded. Compared to summer, when most people go hiking, the paths are quieter and more peaceful in autumn. You will have the opportunity to enjoy nature in its full glory without being surrounded by crowds.

Thirdly, the autumnal colours are simply enchanting. The photography enthusiasts among us will appreciate the opportunity to capture stunning images of the glowing leaves and picturesque landscapes.

How to prepare for excursions

A hike in autumn requires thorough preparation. Since temperatures can fluctuate greatly, it is essential to take layered clothing, warm jackets and accessories such as gloves and matching socks. You might think that the last two points are not so important, but they are. Therefore, you should choose these accessories wisely, especially if you plan to go on long hikes. Therefore, do not hesitate to contact brands that are known for the quality and reliability of their products. You can find tactical jackets at Beretta, a reliable outdoor clothing brand that offers high-quality products.

In addition, every hiker should opt for hiking boots that are suitable for such excursions and the season, as the paths can be slippery due to falling leaves and moisture. On top of that, the light decreases earlier in autumn, so it makes sense to plan your activities accordingly. It’s better to plan your departures in the morning and return in the afternoon, long before the sun goes down, so you can anticipate any delay and not be left in the dark.

For hiking enthusiasts, the paths through the colorful forests offer an unforgettable experience. Make sure you have a map of the trails with you and follow the guidelines of the national parks for your safety. Take plenty of water and high-energy snacks with you to keep you on your hikes. And don’t forget to bring a camera to capture the magnificent scenery that presents itself.

Within a few years, the number of e-bikes sold has increased significantly. A phenomenon that can be explained by an ecological awareness and the genuine desire of part of the population to change their travel habits. The bikes are health-promoting and your users can get around the city faster than by car. The electric bike therefore has real advantages both in everyday life when commuting by e-bike in the city and when travelling.

Getting around with a city e-bike opens up scenarios and possibilities that should not be underestimated: no more traffic, downtime or parking stress, plus zero emissions, reduced maintenance costs and physical well-being.

The wider use of e-bikes, which can be observed for the first time on the streets of cities, also opens up new opportunities for cycle tourism. While long-distance tours or steep climbs would be a deterrent for many holidaymakers, the e-bike opens up the prospect of an easier, less sporty and more fun cycling holiday.

Users of electric bicycles also have the opportunity to explore other destinations on day trips and return to the hotel or home in the evening. Many cyclists who were no longer able to cover long distances for health reasons suddenly have a new chance to continue with the means of transport.

Advantages of e-bikes

There are numerous benefits to using an electric bike, which can be divided into two main areas: health and savings. These benefits are not only felt by those who use e-bikes, but also by society as a whole. The acquisition costs are higher than for a conventional bicycle due to the technology involved. Still, the electric bike is an excellent way to save a lot of money if you use it for commuting to work or for trips that you usually travel by car for. The e-bike costs you only about 1 euro in electricity costs for 1,000 kilometers ridden (0.001 euros per kilometer!).

The freedom to do sports without sweating

Hills will no longer be an obstacle to cycling, because with the assistance of the electric motor you can effortlessly (but with pedaling) overcome all the hills in your path. The enthusiasm of being on the road with a normal bike often wears off after just a few days. The electric bike offers you a more regular, less intense, but still healthy way of exerting. You constantly have the feeling that you have a favorable wind at your back, even when “riding uphill”.

Many cities and resorts have set up numerous cycle paths. This makes it easier to ride an e-bike. You drive at a good speed and completely safe from the eyes of drivers tired and stressed by traffic jams to your workplace or hotel. With an electric bike, you have the advantage of being able to choose the level of exertion more easily.

What do you have to look out for when buying an e-bike?

Ask friends and acquaintances about their experiences before you buy an e-bike. For the rest, it all depends on your needs and how you want to use it. But as a general rule, it is important to pay attention to the lighting system and the complete damping. Maybe choose a model with a fork at the front to combine it with a suspension seat. Choose tires of a certain width (over 1.5 inches) that will improve driving safety and comfort despite the increase in weight, and provide safety over potholes or tram tracks.

Brakes, motor and battery

Hydraulic rim or disc brakes provide a lot of safety with the increased weight of electric bicycles. A coaster brake can also be combined with many drives. Opt for a model with a brand-name battery, because there are significant differences in the batteries (they decide on the ranges).

Tip: For urban commuters, we recommend the “Asphalt” bike from Mokwheel (RRP 1,699 euros). The asphalt is an e-bike designed for urban commuting. The battery capacity covers daily commuting needs and does not require frequent charging. In addition, the torque sensor is configured to enable efficient power transfer, allowing you to reach higher speeds and cover greater distances.
View changes

The law requires a motor with a maximum output of 250 watts for pedal-assisted bicycles. The capacity of the battery depends heavily on your weight, your personal needs and the distance you want to cover with your e-bike.

There are three standards for the position of the motor, each with advantages and disadvantages: The central motor placed under the bottom bracket is rarer, but it is preferred by many users for stability and riding pleasure. On the one hand, a rear motor ensures direct power transmission and enables energy recovery, and on the other hand, it shifts the entire load to the rear axle. In the end, the front engine is the most economical solution, but at the same time less pleasant to drive.

Weight and size

Also, keep an eye on the weight of the bike. Also consider whether you are taking luggage with you and whether the luggage rack is suitable for it. Also note the permissible total weight of rider, e-bike and luggage.

What is the right frame size for you? The theoretically calculated value is not always optimal. The measurement can determine whether the vehicle is suitable for your size or not and is mainly measured by the distance between the saddle and the handlebars, by the measurements of the seat tube and also by the width of the handlebars. The best thing to do is to try it out!

However, you may need a special solution such as a cargo e-bike or an electric tricycle for adults. Each e-bike has an on-board computer, a display and a simple control panel. If you opt for an expensive electric bike, you will be shown not only the battery life, but also the remaining mileage, your distance traveled, the current speed, etc.

With brand-name bikes, fast spare parts procurement is guaranteed, as is compliance with the legal warranty.

Germany, with its picturesque rivers and lakes, offers a variety of opportunities for water sports enthusiasts. A boating licence opens the doors to these wonderful experiences. But what exactly does this driver’s license include, and why is it so important?

The importance of boating in Germany

Germany is rich in waterways, from the majestic rivers such as the Rhine, Elbe and Danube to the idyllic lakes such as Lake Constance, Lake Chiemsee and Müritz. These waters attract thousands of boaters every year, both locals and tourists. Boating allows people to experience the natural beauty of the country from a completely new perspective. It also offers a wonderful way to relax, away from the hustle and bustle of everyday life.

But in order to navigate these waters safely, it is essential to have the necessary knowledge and skills. Here comes the
SBF Binnen
comes into play, a driving licence specially developed for driving on inland waterways.

Requirements and requirements for the boating licence

Before embarking on the adventure of boating, you must meet certain requirements. First of all, you must be at least 16 years old. Health suitability is also a must, and this is proven by a medical certificate. Proof of reliability, in the form of a copy of the driver’s license or a certificate of good conduct, is also required.

“A boat is safe when it’s in port, but that’s not what boats were built for.” – William Shedd

The way to get a boating license: steps and tips

The process of obtaining a boating license in Germany is thorough and ensures that everyone who sails the waters is safe and competent. The first step is to learn the theoretical basics. This includes understanding the rules of the water, navigation, and safety procedures. After theory comes practice. In 1-2 driving units you learn everything you need to know for the exam. The last step is the exam itself, which includes both a theoretical and a practical part. Another important aspect is choosing the right boat school. It’s wise to research different schools in advance, read reviews and recommendations, and maybe even plan a local visit. The quality of education can vary significantly, and it is crucial to choose a school that not only offers the best value but also has a good reputation in the industry. A good instructor can be the difference between a successful experience and a frustrating one. So it is worth choosing carefully here.

Costs and possibilities for financing

A boating license is an investment in safety and competence. The costs vary depending on the school and region, but on average you can expect to pay around €375. This usually includes learning materials, practical training and exam fees. There are also financing options, such as installment payments, that make it easier for candidates to cover the costs.

Important tips for aspiring boaters

For anyone new to boating, it’s important to always be safety-conscious. Wearing a life jacket, paying attention to weather conditions, and avoiding alcohol while driving are just a few of the basic safety tips. It is also advisable to attend regular training courses and keep up to date with changes in regulations and best practices. In addition, beginners should always remember to build up their skills and knowledge gradually. It’s tempting to venture into deep waters right away, but it’s smart to start with shorter, easier rides and slowly work your way up to more complex challenges. Gaining experience in different water conditions and learning from experienced boaters can also be invaluable. It is always better to be careful and take your time to learn how to boat properly than to take unnecessary risks.

Key Findings and Next Steps

Boating in Germany is a wonderful experience, but safety and competence are paramount. A boat license is the key to this. He ensures that everyone who sails on the waters does so with the necessary knowledge and skill. For those who are considering getting a boating license, now is the right time to take the first step and discover the joys of boating.