Home Preparations for Vacationers

The hotels are booked. Your bags are packed. You’ve even checked in for your flights already. There’s a lot of preparation for people who are going on vacation. Most will already have activities planned when they arrive at their destination, but one of the most important parts of taking a vacation is preparing for your return back home. While it is easy to get caught up in the excitement of what will happen “there,” the travel arrangements that take care of what is going on at home can be even more important to having a relaxing trip. Making arrangements for pets and plants, protecting property, and setting up home security, are some of the most important steps before leaving town.

The simplest way to worry less about home while out of town is to have the property covered by the appropriate insurance policies. Homeowners with a bank-financed mortgage will be protected against the threat of fire and most natural disasters, but those who rent will need to consider finding renters insurance before spending large gaps of time away from home. It’s a recommended investment in peace of mind with or without vacation itinerary in the works.

Unfortunately, it is not always practical nor appropriate to take our pets with us on vacation. Most pets, especially dogs, that will be left for more than a couple days will be better off being boarded at a “pet hotel” while owners are away or staying with family. This ensures that they are fed on schedule and given attention daily. It also relieves owners of worrying that their pets are getting into trouble or getting out of the yard while they are gone. In some cases, a pet sitter can be arranged as an alternative to boarding or having to ask a friend or relative to keep the dog at their home. Make arrangements with the pet sitter in advance and define what is expected each day. Some owners prefer that pet sitters spend the night in the home while others just require that they visit daily to change food and water. The type of arrangements will depend on how long the trip is, the type of animal being left, and the personality of the pet and the owners.

Pets aren’t the only living things that need to be taken care of during vacation. Many plants will still need to be tended to. Summer vacations are hard on plants that live in a hot, dry climate. Set timers and sprinklers to water lawns and larger areas. Arrange with a trusted neighbor or friend to come over everyday or every other day to spot water potted plants and plants that will not be watered on an automatic schedule.

Although it is possible to stop mail, it can be even better to have a trusted neighbor pick it up. Having someone come by the house daily will ensure that there is someone checking on the home.

With all the arrangements made to take care of the home, there are still some details to take care of before leaving. Secure the outside of the house by locking all windows, doors, and gates. Set timers on lights and radios to create some activity in the home, and move valuables so they cannot be seen from windows and doors. Security cameras should be set and test any that can be monitored remotely. Tell a close friend, relative, or neighbor that you will be out of town and ask if they will keep an eye on the house to let you know if there is any activity. Turn off appliances and consider any special arrangements that might need to be made such as winterizing pipes if a freeze is expected. Finally, close the garage door, get on the road, and relax. It’s time for vacation.

Where to Avoid Cutting Corners When Traveling

For many travelers, being able to save money and have the adventure of a lifetime on a budget is an important factor. However, whilst there are several great methods of keeping costs down whilst you travel, such as choosing to travel to inexpensive countries, staying in self-catering accommodation, making your own food and using public transport to get around, there are certain aspects of your trip where you might find that it’s certainly worth paying more for your own safety and comfort. Here are some of the things that you don’t want to cut corners on whilst traveling.

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#1. Adventures:

If you’re traveling and want to do something adventurous such as climbing Kilimanjaro, jumping out of a plane, white water rafting for the first time or another extreme sport, then it’s certainly worth splashing out a little extra money for a tour package and experienced guide. Bear in mind that cut-price tickets for these types of adventures can often be dangerous, especially in countries where this type of thing is not heavily regulated. Paying more for a safe and secure experience is always worth it; the last thing that you want to do is compromise your safety or risk your life.

#2. Food:

When it comes to buying food whilst you travel, being savvy about where you eat is important for staying healthy and well. Whilst street food vendors may offer great prices and food that looks and smells awesome, it’s worth erring on the side of caution when getting food off the street. For example, make sure that you can see the food being cooked at high temperatures and ensure that it is still hot when you buy it. If not, then it’s not worth the risk of getting food poisoning; spend a little more money at a well-established and reputable restaurant instead.

#3. Sun Protection:

If you are traveling in a hot climate, then the one thing that you really don’t want to skimp on is protection from the sun. Since using more sunscreen is always the better option, you might find yourself in a position where you need to stock up on more from a local store. Continuing to ensure that you are protected from the harmful UV rays of the sun is an essential whilst traveling, so make sure to invest in a high-quality brand and more than you need.

#4. Insect Repellent:

Depending on where you are traveling, you might be at a higher risk of contracting mosquito-borne diseases, such as malaria. Ensuring that you are well-protected against bugs, insects, and mosquitos at all times is something that you should never cut corners on, as it could be the difference between you returning home healthy or unwell. Invest in a high-quality insect and mosquito repellent, mosquito tablets, and nets for the night time if needed.

When traveling, there are various things that you can do to save money and cut costs. However, some things, such as your health and safety, are too precious to cut corners with.

Do Romance in Style With These Lover’s Paradise Destinations

If you’re looking for a lover’s paradise where you can whisk your partner away to for some quality time together in stunning surroundings then look no further as these places will tick all of the boxes that a romantic destination needs. Time away with your partner should always be special and whether you are getting away from the daily grind, the kids, or you both simply need a break, try out one of these amazing destinations to reconnect, disconnect and embrace beauty, freedom and adventure.

Maldives

An amazing holiday in the Maldives is for many people, the adventure of a lifetime that they’ve always dreamed of doing, and once you take a look at these glorious little islands in the Indian Ocean, you will understand why. I cannot eulogise about the Maldives enough, it is everything that one could conjure and more, turquoise waters, pristine white sand, isolation, tranquility, sunshine and a real oneness with nature. This is the perfect place to sit staring at the stars with your partner or swimming in privacy underneath your very own cabin, sitting on stilts above the lapping ocean.

Turks and Caicos

The Caribbean is widely considered to be one of the most romantic places to get away from it all and the Turks and Caicos islands is undoubtedly the best spot to do just that. Think cocktails at sunset on the beach, a casual swim in warm waters as the sun rises again, days spent relaxing in each others company, free from it all, that is what the Caribbean is all about, and this it was these islands do best. The beauty of the Turks and Caicos over other destinations like the Bahamas and  Jamaica is that the islands are far more spread out, with many fewer tourists, the perfect spot for a lovers break.

Venice

One can’t think of locations and love without mentioning the city which Shakespeare spun into the true home of love. It is not just the reputation which Venice has that attracts couples to it, the city itself appears as though it was designed with lovers in mind. Venice has a waterway which runs like veins throughout the city providing that most timeless experience for a couple, a slow, romantic cruise in a gondola. Here the streets are filled with art, the plazas feature opera singers and dancing, the food and wine are excellent and the accommodation always has an eye on romantic design.

Paris

The only European city to rival Venice would be Paris, a city with an incredible array of romantic experiences just waiting for you. Kissing underneath the Eiffel Tower, dining in a side street Bistro, walking hand in hand under the Champs-Elysees, viewing fine art or taking a moonlight cruise along the River Seine, it is all on offer here in Paris. Some cities really don’t disappoint when it comes to its reputation, and Paris most definitely falls into that category, a city where love is in the air.

What are your favourite romantic destinations? Let us know in the comments.

Low Carb Snacks for Travel

Keto diet is also known as low carb diet. It allows your body to produce ketones in the liver which is used as energy. This diet is also known as ketogenic or low-carb diet. It is usually taken with high fat and protein to maximize its result.

When you eat a low carb diet, your body produces insulin and glucose. Glucose is then used by your body as the main source of energy. With this, the fat in your body is stored. By lowering the intake of carbs, your body begins to undergo to the process of Ketosis.

Advantages of Low Carb Diet

Participating on a low carb diet presents a number of benefits. In this article, we shall be discussing the major benefits of low carb diet and some of the snacks you can munch on during your travel. Here are some of the advantages of low carb diet.

  1. Weight Loss – Most ketogenics lose weight by cutting calories and carbohydrate intake. Since there is little carbohydrates in your body, the stored fat are converted to energy. Thus, this allows your body to burn weight.
  2. Cancer Prevention – There are recent studies where researchers found out that low carb diet can help prevent cancer. If you are consuming processed and pro-inflammatory diet can aid generation of cancer cells. Thus, low-carb diet can help “starve” the cancer cells.
  3. Eliminate risk of heart diseases – Intake of unhealthy food with a lot of sugary and carb-loaded foods can increase your chances of acquiring heart diseases. With this, by maintaining your carb intake will help you lower the risk factors of heart diseases and obesity.
  4. Reduction of Risk for Diabetes Type 2 – There are also studies that suggest improvement of dyslipidemia of diabetes. Moreover, low-carb diet shows benefits in improving blood pressure, insulin secretion and postprandial glycemia.

Low Carb Diet Snacks

Here are some low carb snacks for travel you can try on your next journey.

  1. Beef Jerky

If you are increasing your protein intake but maintaining the carbs, you can enjoy snacks made from meat. Beef jerky gives you that boost when you need to. It is also easy to bring along as it comes in a sealed plastic.

  1. Parmesan Tomato Chips

Here is another salty treat for cheese lovers out there. You can substitute potatoes which are filled with carbs with tomatoes. They are a great alternative as it also has a sour and tangy flavor. You just need to drizzle it with a little bit of olive oil and add a sprinkle of parmesan cheese and Italian seasoning.

  1. Cauliflower Tots

Are you a fan of Tater tots but not its carb content? Here is a great recipe to fill your cravings with this snack. Just replace the shredded potatoes with pulsed cauliflower and you are good to go. You can enjoy this baked or fried.

  1. Kale Chips

This is another recipe fit for chip lovers out there. You can bake Kale drizzled with oil on a hot oven and dehydrate if for a couple of minutes. Kale provides a ton of health benefits. It is packed with vitamins and nutrients that your body needs. Thus, this is great snack while travelling.

  1. Peanut butter with coconut balls

Peanut is a great source of fat. It is also low in carbohydrates. Thus, this food is great for Keto Practitioners. These snack balls are easy to prepare, just mix peanut butter, seeds such as chia and sunflower and form it in balls. You can also include protein powders in the mix to make it packed with flavor and nutritional value. You can check out ketoaholics.com/biotrust-protein-powder-review/ for more details on protein powder. Then, you can finish it off by coating the balls with coconut shreds.

  1. Zucchini Pizza

Zucchini is a great alternative to different ingredients with high carb content. It can replace pasta noodles and bread. With this, we recommend you to try making a pizza using thinly sliced zucchini. Spread a little marinara sauce and top it with your usual pizza toppings.

These recipes are easy to prepare. They are also portable and thus, these are great snacks for travelling. Moreover, their carb content remains low. This provides you a number of benefits for your health. We recommend you to try these snacks whenever you travel. They will fill you up and energize you on the day ahead.

Creative Photobook Design Ideas to Consider for Your Next Project

A photobook is almost the same as a photo album, but it is also completely different. When you create a photo album, you need to print photographs and stick them into position yourself. With a photobook, by contrast, the pictures are actually printed onto the paper itself. This means you don’t have to worry about the quality of your images deteriorating, or of pictures letting go and being lost. Photobooks are the 21st century’s answer to photo albums, in other words. And, as with everything 21st century, you can now make them bigger and better than ever before. Let’s take a look at some occasion for which you might want to create a photobook.

Photobook Suggestions

  1. A newborn baby album. In the first 12 months of a baby’s life, we take thousands of pictures. After that, however, we often forget to look at them. By creating a photobook, however, you will have a permanent record of those precious first few months. Their first real smile, that cute outfit your best friend gave you, their first party. All those firstscan be eternalized in a photobook. Best of all, you can pass it on to your child when they reach adulthood.
  2. A wedding or wedding reception album. You will probably have a professional photographer at your wedding, but lots of people will also take their own pictures. You can put those together to get a view of the experience itself, not just the beauty of the day. This also makes for a great gift for the married couple.
  3. A vacation or getaway album. If you have been on an epic journey, you will have thousands of memories to cherish for a lifetime. To make sure those memories stay alive, you can create photobooks that show each of those enjoyable moments.
  4. A college photobook. When someone graduates, you always wonder what to get them. However, they have just spent about four years in college, growing into adulthood and becoming amazing new people. A photobook that reflects this is a great gift. It is also a fun way to remember you friends from college, your dorm rooms, your sorority or fraternity, and all the fun things you did.
  5. Holiday pictures. Holidays are family gatherings and truly special times, when memories are made and shared. Not only is it a great idea to create holiday photobooks, therefore, it is also a great idea to bring those out during the holidays and remember the fun times that were had.

These are just five options to choose from, and there are many more. Good photo labs that create these books for you will have a variety of templates available that you can use to create a theme for you book. Naturally, you can customize each of the elements of these templates to create something completely unique, if you feel creative enough to do so. Overall, it is the opportunity to create something unique and keep memories alive.

5 Reasons Why You Do Need Travel Insurance

Insurance can be a real pain if you don’t use it, but if you should ever fall into a difficulties then it can quickly become the smartest decision which you ever made. Of course home insurance and motor insurance are usually mandatory but travel insurance poses a different question as the decision is ours. Despite having friends who prefer to fly-by-the-seat -of-their-pants when the go traveling, I would always recommend to anyone who travels, that they buy some travel insurance before they go. There are many options for various types of insurance policies and once you make sure you get the right travel insurance coverage, you can travel with much more peace of mind.  If you needed any convincing, here are just 5 reasons why you need to get insured before you go.

Cancellation

The reason for insurances is because you never know what is around the corner and this is true both on your vacation, and in the run up. You may have a bereavement, an illness, a home emergency or a requirement to work which could cause you to need to cancel your trip. Usually you would be highly out of pocket but you can find trip cancellation policies built in to your insurance coverage to cover the costs should you need to change your plans.

Cancelled Flight

Cancelled flights may not be as common as delays but they do still happen. If you are unlucky enough to be on the receiving end, you can be safe in the knowledge that the incident will cost you nothing but time as your insurance policy can cover you against any money you lose as a result.

Illness/Injury

Illnesses are most certainly not rare when you are in a foreign country, with new climates, new foods and new surroundings. Occasionally a trip to the pharmacy or a doctors may not cost much, but if the illness is more severe and you need hospital treatment, the bills can soon add up, and the same goes with any injuries which you may sustain. Most travel insurances offer sizeable amounts to cover your medical expenses when you are away.

Baggage

There are few things worse than arriving on your much anticipated vacation only to find out that your bag has either been lost or it is delayed, this has happened to me twice, and it is not fun. After such an event it is possible that you spend the first few days, or all, of your vacation without your bag and that means buying new gear. If you have travel insurance you can not only recoup the money back which you spend, but they will also play a key role in locating and returning your bag.

Death Abroad

Naturally something which never happens to you, should someone pass away on their vacation, the cost of flying the body back can often be extortionate given the delicate nature of doing so. Should you have travel insurance in such a tragic situation, you can have everything arranged by the insurers so that you don’t have to worry about making arrangements or paying fees.

Don’t risk not getting travel insurance, it really makes no sense.

The best events and activities for expat families in Singapore

Moving to Singapore with your family is a chance to truly immerse yourself in a culture that is vibrant, ever-changing and brilliantly unique. There is so much to see, do and learn, making the city a popular choice for expats. And for good reason: Singapore ranks second in the Safe Cities Index 2017 (beaten only by Tokyo). In 2014, Bloomberg highlighted its healthcare system as the most efficient in the world, citing it as the place that healthcare costs go furthest (most expats choose to take out global health insurance). Here are a few of the incredible events and activities that expat families can visit and take part. We hope this inspires you to make the most of your new home.

Delicious events for food lovers

The annual Singapore Food Festival is a must for expat families. Since 1994, the Singapore Tourism Board has held the festival to show off the city’s diverse culinary culture. Entry is free, which is ideal for large families with lots of hungry mouths to feed! It is a great chance to sample local delights and multicultural cuisines – from abacus seed (yam gnocchi) and kimchi popiah (spring rolls) to rojak (a local salad with fruits and vegetables). If your kids are finding it hard to settle into their new home, or you just want to keep them engaged with the local culture, then exploring the different stalls and dishes of the Singapore Food Festival might bring back their appetite for the city.

Festivities that show off Singapore’s multicultural character

Chinese New Year is an annual celebration that you absolutely must experience in Singapore. From bright red lanterns and gold money cats lining the streets, to spectacular dragon processions and delectable smells of oriental spices wafting from the city’s restaurants, Chinese New Year is a treat for the senses. It’s also an important part of Singapore’s culture, as the Chinese community makes up more than half of the city’s population. Singapore does not do the celebration by halves: the annual River Hongboa takes place on board a floating platform with colourful fireworks and Chinese zodiac lanterns. The Chingay Parade involves sparkling dancers, wondrous dragons, magnificent stilt walkers and vibrantly decorated parade floats.

The Hindu festival Thaipusam is also an important date in Singapore’s cultural calendar, and is a spectacle for people of all ages. It’s a two-day festival that begins at the Sri Srinivasa Perumal Temple and finishes at the Layan Sithi Vinayagar Temple. The colourful procession travels just under three miles and is an amazing glimpse into the traditions of the Hindus, who prepare spiritually for one month on a strict vegetarian diet. The most committed devotees put skewers through their tongues (which can only be done once the mind is free from material longing and the body is exempt from physical pleasures) and carry spiked kavadis (altars). Others balance wooden kavadis on their shoulders with flowers and peacock feathers, and some simply carry a jug of milk.

Colour, sound and sensation!

Whether you’re living in Singapore with your baby, toddler or teenager (or family members of all ages), you might also enjoy a trip to Sentosa to see the Wings Of Time performance. This is an outdoor night show set against the backdrop of the sea that features lasers, water displays and music. While little ones will no doubt be mesmerised by the bright colours and dancing lights, older children may enjoy the magical story. It is popular with tourists and expats alike who want to escape to a fantasy world for the night.

Staying healthy

There are many ways to have fun and stay healthy in Singapore. From yoga and meditation classes to jogging and going to the gym, there are a lot of widely available fitness options. For kids, there are plenty of swimming pools to splash around in and parks where they can let off steam. As a treat, attractions like the water park Wild Wild Wet are popular for families that want a fun day out that involves lots of exercise and fresh air. Combined with a healthy diet – high-protein, low-fat foods with lots of fibre are widely available in Singapore – it’s possible for all the family to stay fit and healthy while living in the so-called ‘garden city’.

Fun family learning

While you’re getting settled into your new lives in Singapore, consider educational trips to boost your children’s confidence about going to school in a new country. The Science Centre is a popular trip for expats as there are lots of interactive exhibits to inspire budding young scientists.

For parents who want to teach their children about the local culture, the Singapore Discovery Centre could also be worth a visit. It has information about the birth and development of the city, galleries that highlight unique Singaporean quirks and an exhibition that explains the vision for the city’s future. All this makes the Discovery Centre a truly educational experience that could help expat families to feel more in tune with their new home.

These are just some of the exciting events and activities in Singapore that you and your family can explore. From food and culture to science, history and entertainment, you should be able to find activities to inspire family members of all ages and help everyone settle into their new life abroad.

How To Claim Airport Delay Compensation

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Whether you’re heading off on holiday or you’re travelling for business, the last thing you want to be faced with is an airport delay. Not only are airport delays a huge inconvenience that leave you stranded and stressed at an airport, but they also cause a number of problems elsewhere; for example, you may find yourself needing to pay for an entirely new flight or forking out for somewhere to stay overnight. Luckily, if you are unfortunate enough to suffer an airport delay, you could be entitled to claim flight delay compensation.

Can You Claim Flight Delay Compensation?

Flight delay compensation can be claimed by those who have their flight delayed or cancelled. Of course, you won’t be able to claim compensation if the flight is delayed for a short amount of time, but longer waits can result in you being eligible to claim compensation. The amount of compensation you are entitled to will depend on your specific delay; the length of the delay, extra costs encountered and inconvenience are all taken into account. In short, the longer the delay the larger the compensation.

There are different situations when you will be eligible for compensation, but the airline must be at fault. Flight compensation can be claimed if the flight was delayed or cancelled due to technical and mechanical faults, as well as poor weather conditions and strike action in some circumstances. The easiest way to know for sure is to speak to a legal team or flight delay specialist; they’ll take a look at the specifics and will know if you have a case worth pursuing.

No Win No Fee Airport Delay Compensation

A lot of people are put off claiming airport delay compensation as they assume there’s a financial risk involved, but that isn’t the case. With No Win No Fee claims being an option, airport delay compensation can be claimed without the risk. In a No Win No Fee Flight Delay claim, the professionals handling the case do not take a fee upfront. Instead, they only take a percentage of the compensation if the case is successful. So, rather than paying for their service out of your own savings, the cost is recovered through the awarded compensation.

How to Stay Safe on a Long Vacation in South America

When you talk to people about traveling in South America, there are varied opinions about the safety level in countries like Peru, Uruguay, Argentina, and Ecuador. The main concern is the amount of theft, but personal safety in all aspects is a subject of concern. The fact though is that millions of travelers pass through South America every year without a single problem while there. In most cases, it’s all about being smart and aware of your surroundings at all times to avoid the major issues.

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Here are a few tips on how to stay safe when spending a long vacation in South America.

Don’t Flash the Bling-Bling

It’s a reality that in economically poorer countries, local people think all foreigners are rich. What they don’t realize is that only the people who can afford it go traveling while many people who cannot stay home; they only see the ones who can afford it, so their view is skewed. In any case, it’s impossible to make them believe that you aren’t rich, which sometimes can make you an unwilling target.

The best plan is to not wear any jewelry or a watch to avoid attracting attention. When you’re wearing expensive sneakers and branded clothing, people who are wearing copies of similar brands because the real clothing is too expensive for them to become jealous of you. Downplay your wardrobe, leave the electronic gadgets at home that you don’t need, and always be aware of whose eyes are on you.

Most Crime Is Opportunistic

Usually, opportunistic crime is the most common. Not paying attention to your bags when you’re shopping. Staying out later than advisable in a questionable area and not taking a safe taxi from a known taxi company back to the hotel, guesthouse, or hostel. Leaving your smartphone on the bar for “just a second,” turning around to speak to someone and then finding your phone gone when you turn around to pick it up again.

Whenever you travel, you can never have enough travel insurance. For the minimal cost of insuring yourself during your travels, there’s no excuse for getting on the plane without it. This is especially true in South America where the chance of being a victim of a theft is surprisingly high if you’re not careful with what you do and where you go.

Stay in the Safer Parts of Town

You want to stay in the safer parts of town, regardless of whether the hotel or guesthouse costs more. When you cannot walk around safely in the early evening, then it’s time to change locations. It’s not true that every place is unsafe. Just like anywhere else in the world, there are safer parts of every city and questionable parts where you don’t want to be. This is true of South America, North America, and Europe too.

Traveling in South America is safe if you take sensible precautions to ensure your own safety. It’s easy to walk down a dark alleyway alone and get yourself into trouble, but this is true back home too! The smart move is to stay in public places, watch for pickpockets, don’t take anything out of the hotel that you don’t need that day, and use the room or hotel safe liberally.

How To Book The Perfect Party Bus

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When it comes to having fun with your friends or colleagues, nothing gets the part going better than booking a party bus. A party bus ensures that your journey to the designated party spot is just as fun as the actual party. However, your choice of party bus can either make, or break, your party mood. You need to take several factors into consideration to ensure that you get the appropriate party bus for your celebration. This guide will focus on the key factors that you need to include in your party bus decision-making process.

Start your search early

Party buses are quote popular at the moment so you need to book well in advance to ensure that you have a wide selection of party buses that are available on your preferred date to choose from. The longer you delay the fewer your options become, and your dream party bus might just get hired by another group. Also, planning ahead allows you to be more objective with your selection. You might even get a discount for advance booking (or avoid a last minute booking surcharge) which would save you money.

How large is your party?

This is arguably the most important criteria that you should use in selecting your party bus. First of all, know how many people will be joining you on the party bus. Each party bus has a limit and you will find that all party bus renters are very strict about refusing to admit additional partygoers when the limit has been reached. If you book a 30-seater party bus, then you can’t show up with a party of 31. Ensure that you know how many people are attending to avoid any disappointments on the material day.

What event are you celebrating?

The best thing about party buses is that there is one for every occasion. The event being celebrated, and the nature of the guests, determines which party bus will be suitable for you. If you are celebrating a colleague’s birthday with the entire office, then you might go for a less raunchy atmosphere compared to a party that involves lifelong friends celebrating a bachelor party. If you communicate the nature of your party, your Party Bus Toronto company will help you select the most appropriate party bus.

What is your budget?

Your budget determines the options that you have to choose from when booking your party bus. The duration of your party, and any extras that you need, will determine the overall cost of your party bus rental. Enquire to see if drinks are included (and at what cost) or if you can come with your own drinks. Depending on the type of party bus, other optional extras such as disco balls, decorations, snacks, and dancing poles can be included if your budget permits.

Are you working with a reputable party bus rental company?

Read online reviews and check out business accreditation organizations such as the Better Business Bureau (BBB) which is very active in Toronto. Don’t work with a company that has bad reviews, no matter how tempting their prices/terms are.