Monday, December 23, 2013

Plan Ahead When Traveling This Holiday Season!



Traveling — especially for vacation — shouldn't create more stress in an already hectic life. Knowing what to expect before your pack your bags will help ease your troubles while you travel.

Waiting in a winding airport security checkpoint line is just one of many potential headaches today's travelers experience. Worrying about what to pack, what kind of identification is required, and how much cash to bring are yet others. In order to help ease the stress level before and during your next trip, it might help to review some guidance from the officials who oversee our nation's travel rules and regulations.

What Do the Experts Recommend?


The Transportation Security Administration (TSA) keeps up-to-date information on all rules and regulations concerning travel by air, rail, and sea. At the organization's Web site, vacationers and business travelers alike can review rules and get tips to help make their trips as hassle-free as possible. For example, they can review the "3-1-1" rule, which states that passengers boarding an aircraft are allowed to carry bottles containing up to 3.4 ounces (100 milliliters) of liquid or gels in a single, one quart-size clear plastic zip-top bag. Note that this rule does not apply to prescription or over-the-counters medications, and baby food, baby formula, or breast milk as long as an infant is present. Such liquids, however, are subject to physical inspection.

Other recommendations from the TSA and the U.S. State Department include:


  • Don't carry large amounts of cash. Carry traveler's checks and record the serial numbers, denominations, date, and location of the issuing bank or agency. Keep this information in a separate (but handy) location so that you have quick access to it if you lose your checks.
  • Consider using credit cards instead of cash, but leave unnecessary cards at home. Like traveler's checks, record the information of the cards you bring with you and keep it separate in case of an emergency.
  • Try not to look like a tourist and minimize the appearance of affluence. Dress conservatively and avoid wearing expensive-looking jewelry. Travel light so that you can get around with little encumbrance, and don't pack many valuables. Lock what you do bring in the hotel safe.
  • Consider carrying cash and valuables in several places on your person rather than in one purse or wallet. A money belt is probably the most secure place for cash and traveler's checks, but a sturdy shoulder bag with the strap worn across your chest is a good option, too.
  • Keep your bank's telephone number with you -- in case of a financial emergency, you may be able to have money transferred to a local financial institution or travel agency.
  • Be sure to bring any medication you will need, and consider an extra pair of eyeglasses or contact lenses as well.
  • Make sure your name, address, and telephone number are on the outside and inside of all your luggage. Note that covered luggage tags will conceal your personal information to the casual observer. If you prefer to lock your checked baggage, be sure to use TSA-approved locks, which can be accessed at http://www.safeskieslocks.com or http://www.travelsentry.org.
  • Don't pack wrapped gifts in checked baggage -- they may be opened by security personnel during the screening process.
  • Leave a copy of your itinerary with friends or family members back home.
  • Check your credit cards, and homeowners' and health insurance policies to see what's covered while traveling. You may want to consider purchasing travelers' insurance, which covers such things as an unexpected cancellation of your trip, medical emergencies, lost luggage, and other problems. Be sure to read the policy's fine print, however.
  • Store film in carry-on luggage. Screeners for checked bags may destroy it.
  • Let your children know about airport screening procedures ahead of time, and allow yourself extra time to get through the checkpoints with youngsters in tow. Note that everything you carry on with your family needs to be put through the X-ray machine. Items that are too large (such as strollers) will be physically inspected by the security personnel. The TSA recommends that children who can walk without assistance pass through the metal detectors separately; however, parents can carry their younger children through if they choose. Folks traveling with multiple children may want to request a private screening.
Happy Holidays and Happy Travels!!!
 
 

Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Communications nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall S&P Capital IQ Financial Communications be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content.

© 2013 S&P Capital IQ Financial Communications. All rights reserved.

Tracking #1-202520
 
 
 

Monday, December 16, 2013

Holiday Blues...


Are the holidays turning you into the Grinch??

 
 
The holiday season is supposed to be the most wonderful time of the year! Why then are many of us feeling the holiday blues?  Try some of these strategies to help you from feeling like scrooge this holiday season...
 
  • Practice gratitude often!  Studies show that making a list of the things that you are grateful for and sharing them with others can enhance your sense of wellbeing and make you happier! 
      
  • Stick to your regular routine.  Maintaining a consistent sleep schedule, exercising regularly, and trying not to eat or drink too much this season will help you manage the stress that you may be feeling.      ll
 
  • Set reasonable expectations.  Try not putting so much added pressure on yourself and use some of the awesome holiday idea resources that are out there for ideas. One of our favorite resources for ideas is Pinterest!  Pinterest can really help reduce your planning time and help you to think outside of the box for creative and unique ideas that everyone will love!
     
  • Start new traditions.  Keep your favorite activities that remind your family of the holidays past but create some new traditions this year to help you shake it up!
 

Wednesday, December 11, 2013

The CWMP Elves are Busy This Year!!

 
 

Happy Holidays from the Cornerstone Family to yours!  We wish you an abundance of happiness throughout the many years to come!

 

Wednesday, December 4, 2013

Zero In on Holiday Budgets Before You Spend...



Don't look now because before you know it the season of giving -- and spending -- will be upon us. Don't wait until the credit card bills arrive in January to think about how you're going to pay for your holiday spending. Start now and consider these planning tips.

Have a realistic budget and stick to it. Creating a budget and keeping to it can help you to avoid spending beyond your means. To avoid the overspending trap, make a list of possible gifts and spending limits a month or two in advance. But make sure you cover all your bases. In addition to gifts, include the cost of postage and shipping, travel and entertaining, even wrapping paper and decorations.

Be a smart shopper. Watch the newspapers and advertising flyers for sales or discount coupons for items you plan to buy. Be flexible and realize that you may need to juggle your schedule to take advantage of the best sales. When possible, put off gift buying until after the holidays. This is when department stores reduce sale prices even more to make room for spring merchandise.

Try not to "charge it." It can take the average shopper months -- or even years -- to pay off holiday spending debt. If you must use a credit card, use only one -- preferably a bank credit card. Avoid department store cards, which usually charge a much higher interest rate.

Give of yourself. Your time and talents are often viewed as more meaningful than any gift you could buy. Give an elderly friend or relative a certificate for a home-cooked meal or an afternoon of gardening. Teens can offer to baby-sit, read to the elderly, or wash windows. Homemade items such as jams and jellies or handicrafts also make great, inexpensive gifts.

This year, why not give yourself a gift by planning ahead for the holidays? With a little forethought and creativity you can keep your holiday spirit without losing your wallet.

Because of the possibility of human or mechanical error by S&P Capital IQ Financial Communications or its sources, neither S&P Capital IQ Financial Communications nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall S&P Capital IQ Financial Communications be liable for any indirect, special or consequential damages in connection with subscriber's or others' use of the content.

© 2013 S&P Capital IQ Financial Communications. All rights reserved.

Tracking #1-201393