10 Reasons to Buy an Independent Life Insurance

10 Reasons to Buy an Independent Life Insurance

Your employer may provide life insurance coverage as part of a group plan, and you may be fine with it. However, there are several reasons why your group insurance is not sufficient. Here are 10 main reasons why you should talk to insurance companies about West Palm Beach life insurance purchases independently.

You never know what will happen

10 Reasons to Buy an Independent Life Insurance

Unfortunately, you never know what will happen to you. Anything can happen anytime. If the worst happens, and you are not ready for it, then your loved ones will be left paying all your fees and bills.

Replace your Earnings

If you work at the time of your death, your family will probably need that income to live. A complete insurance policy will help your family recover once you have died by giving them the income you will carry over your life.

Your Funeral is Not Free

Funerals can cost up to $ 10,000 and sometimes even more. Money from your life insurance policy can go to pay this fee, or your family can pay for it. When it comes to that, you may want your family not to worry about funeral expenses.

Protect Your loved ones

Throughout your life you have worked to protect your family. You still want your family to be taken care of after you die. This is what life insurance will do for you. If they have to get on with their lives without you, then they should be able to do it the same way they used to.

You Can not Take It With You

The hard truth is that you can not carry your things with you, but there’s something else left behind when you die: your debt. Regardless of how much you have, this is a debt you may not want to pass on to your loved ones.

Protect Your Business

If you think that life insurance is just for you as an individual, you will be wrong. Life insurance will also keep your business protected from financial losses and liabilities.

Keep Up Your Pension

One thing that many people do not know is that you can actually use your life insurance to extend your retirement savings. If you play your cards correctly, you can put your money into annuities that pay a steady income each month for the rest of your life.

Use Common Sense

Life insurance is just a smart financial move. This is considered a financial asset. Your assets increase your net worth and your ability to get loans and credits. In addition, creditors can not touch protected policy funds even in the event of bankruptcy.

Be Charitable

One of the other benefits of having an independent life insurance policy involves your ability to get your insurance money to go further. A life insurance policy allows you to reward a charity after you die that is far greater than you can give to your own money.

Have a Pure Peace

The biggest reason to invest in a life insurance policy is for your own peace of mind. Although the funds from your life insurance policy will never be enough to replace you, life insurance can protect your family from undue financial difficulties after you leave.

Many people do not realize the importance of West Palm Beach life insurance policy. Having an independent insurance agent helping you find the right life insurance product for you can ensure your family and loved ones are protected after you die. 10 Reasons to Buy an Independent Life Insurance

High-Tech Skiing: 2017’s Greatest Gadgets

High-Tech Skiing: 2017’s Greatest Gadgets

2017 has been a gift for the skiing and snowboarding aficionado, thanks to the release of some incredible new high-tech gadgetry to make your time on the slopes all the more special. From Smartphone apps to clothing, watches to equipment, this has been the year when it’s really paid to get ahead with some top-quality gear.
Already sketching out plans for hitting the pistes this coming winter? These are the finest offerings from 2017 you need to make sure you are taking with you.

 

Leki GoPro Adapter

Designed to capture you and the mountains from all the best angles, this adapter will easily attach to both Leki racing poles and freeride mountaineering poles, offering a far wider variety of shots than a helmet-mounted camera and ensuring you look slick and smooth as you make your way down the pistes.

Snoww Social Tracking App

Not all the best gear need cost the sun and the moon – this is free to download on iPhone but offers an incredible package, combining social media with a video game experience. Using GPS, it can monitor how far you’ve skied, your top speed and energy used, vertical drops taken, and much more. It also allows you to compare your stats with friends, track where they are, and share photos via your online profiles. Make sure you’re king of the mountains and the person to beat!

Powervision Robotics Poweregg Drone

This sleek egg-shaped drone not only looks good but is designed to make you look stunning too – all 360 degrees of you, in fact, with a top-quality 4K HD camera that can capture real-time video from long range. Not only that, but it’s also incredibly practical, being small and light enough to carry with you, and easily operable by remote control.

Suunto Spartan Ultra Sports Watch

The ultimate item for the true pro, this sports watch is packed with amazing features and is the perfect guide for getting the best out of your skiing. Its GPS heatmap allows you to check out the top places for making runs; once there, you can record your speed, altitude and distance, and then share your stats and times with other online users. Don’t let yourself be seen on the slopes and in the après-ski bars without one.

Poc Spine VPD 2.0 Airbag Vest

Keeping yourself protected doesn’t need to look, or feel, bad – thanks to this smooth fitting airbag vest, you can feel comfortable pushing yourself to your limits. Capable of detecting any unavoidable falls you’re due to encounter, it will inflate in less than 100 milliseconds, and is also sensor-fitted to monitor for crashes and cushion your upper body from the impact. Even if you make the odd tumble, you’ll be falling with style.

Before You Hit the Slopes

Looks like you’re all set to go. There’s just one more, slightly less glamorous piece of kit to think about: ski travel insurance. Of course, no matter how much high-tech wizardry you have with you, or how strong your Airbag Vest is, it always pays to have great ski travel insurance cover, so that you can always salvage the best from any bad scrapes you may encounter. For that extra peace of mind, investing in some solid ski travel insurance will ensure you, along with your gear, are safely covered when you’re taking to the slopes – get in touch with InsureMore today to find out how.

Easy Steps to Avoid Student Loan Default

Easy Steps to Avoid Student Loan Default

If you have taken an educational loan to meet your academic career requirements, you will pay monthly installment installments. If you have not made a settlement or forgot to pay it off and your outrageous bills and delays may be a surplus, you may still be entitled to avoid failure, so you should contact your money lender immediately.
To avoid failure, take time to consider and really know your Federal student loan consolidation and the type of debt you get. It’s also important that you do not take more than your needs or above than you think is capable of rewarding. Going for a comprehensive and reasonable financial structure. If you are centered on student loans it is cruel, go to the Student Loan Collection Assistant, established by the US Department of Education, in partnership with the Consumer Financial Protection Bureau. This software provides material on how to get a comprehensive set of refund options that are open to you.

Easy Steps to Avoid Student Loan Default

You must first understand that with the type of financial plan you get, recognize the structure of the borrowing costs you receive, the student interest cost, and the repayment policy for the debt. Read the contract paper carefully before signing as it is a legal paper saying that you give permission to return the debt as per the plan and terms mentioned in the paper. You must return all your educational loans whether you are finishing your education or not. You have to borrow some money according to your need for tuition fees, so you should plan and budget according to your needs. You should ask the financial aid office to request a small amount other than the maximum amount you want. Easy Steps to Avoid Student Loan Default

The loan applicant must obtain details on the consolidation of centralized loans from the official website of the US Department of Education. A student looking for an educational loan should keep all his documents and records current and organized. He has to keep Easy Steps to Avoid Student Loan Default

Final award for financial assistance

Counseling letter for loan

Paper contract

The paper is related to all the loans you have borrowed

The account code for every loan you get

Contact details of loan provider

Scheduled calendar for payment

Details of your monthly payment

The paper work for that you pay your entire loan

Talk to your loan provider when you need help regarding your refund installment, when you graduate, when you leave school, when you change your name, address, or social security code, when you move to another school, whatever your life may have an impact to refund your payment.

If you can not pay off your debts through monthly payments, you should immediately contact your borrower, he can support you to realize the options you have, with this you can reduce your payment to reduce installments, he may consider temporary payments plan revenue, You due to payment period or may delay or increase the duration of the refund

Jasper Arkansas- A Prime Location For Vacationers

Jasper Arkansas- A Prime Location For Vacationers
An escape from daily hassle life for a weekend vacation will fill you with energy, positivity and freshness. If you are nature lover, come to Jasper AR, this is famous for some of the unique natural scenes that can’t be found at any other places. Such locations are prime point of attract that millions of tourists flock around the globe to get relaxation. Jasper caters extremely pleasant spots those attracts significant number of people. Jasper National Park is one of them that earned prestigious popular tourist destination tag and people those come Jasper, hardly drop any plan not visit this national park. It is full with various rare animal, plants those are hard to find outside world.

This is known as the largest park of Canadian Rockies and provides shelter to wide range of wild animals and even some rarest of them. This park is not only famous for its wild animals but also there are hot springs, waterfalls, lakes and mountains those are collectively able to mesmerize a visitor that memory last for years. This park is established over a century years back and declared as World Heritage Site by UNESCO in 1984 due its charismatic scenic, splendid places. Apart from them, rugged mountain peaks, alpine meadows, various ice fields and glaciers are just of the few reasons for which people never drop chance to visit Jasper Arkansas.

People those don’t want to limit themselves with only watching natural scenes; they have plenty of options to enjoy their time. Various activities like camping, fishing kayaking, boating, hiking, safaris are just few from a wide number of recreation activities. No matter whether you are nature lover or adventurous, all your wishes will come true when you’ll land at Jasper Arkansas and it this land will become your dream land within some time that makes the trip precious.

People those love to spend time privately, they have plenty of options to spend their time at cabins those are designed to host couples or family members. Including massive scenic view at the bank of Buffalo River, spending some quality time at these cabins will surely rejuvenate your mind and soul than no one can deny. No matter whether you are newly married and looking for a perfect destination for honeymoon or want to excite your life partner with old memories, choosing such cabins will surely make you overwhelmed while fulfilling your wishes. Come Jasper Arkansas!

3 Rugged Travel Cameras for Adventure Lovers

3 Rugged Travel Cameras for Adventure Lovers

Whether you love hanging out underwater or exploring the Amazonian jungle, in this day and age, we all want to record our experiences for posterity. Unfortunately, even the fanciest smartphone just doesn’t have what it takes to make it in the desert, or survive a dive into the depths of the ocean.
Why should you compromise on quality images, portability, or special features? Good news: you don’t have to! There are loads of brilliant travel cameras on the market specifically designed to survive challenging environments – as well as connect to WiFi, record stunning 4K videos and more.

 

Of course, not all travel cameras are created equal! Here are three of the best that will perfectly capture the moment allowing you to share your adventures with friends and family and create hundreds of jealousy-inducing social media posts!

TRAVELLER’S TIP: Just as essential as the gear is the gadget travel insurance to protect it. Check out Let’s Go Insure’s independent and super cheap gadget travel insurance to bag the best deal.

GoPro HERO5

The GoPro HERO5 is a seriously practical camera – the perfect all-rounder. Easy to slip into a pocket, the gadget is portable and light so it won’t slow you down. Though it has a one-touch record facility (super useful by the way!),an additional feature is voice command. With just a word you can begin filming instantaneously and you won’t miss a thing. This is also handy if the camera is mounted in a less accessible place, such as at the front of a helmet or the handlebars of a mountain bike! The rugged little camera is happy at depths of up to 33ft and records video in a sharp 4K.

Nikon COOLPIX W300

The Nikon COOLPIX W300 is particularly handy for those who love diving beneath the waves and want to capture what they see down there. It is waterproof to an impressive 100ft and its sleek design means it won’t hold you back during dives. The COOLPIX has a great vibration reduction feature allowing you to capture smoother video and sharper photographs. If you do fancy filming any marine wildlife, you won’t be disappointed by the footage as the camera shoots in 4K and Full HD. The COOLPIX W300 is a hardy gadget and is shock proof from over 2 metres.

Olympus Tough TG-5

This travel camera should appeal to the photography enthusiasts out there as there are a whole range of accessories and add-ons available. From cases to extra lenses, you can build your perfect camera and travel with a range of gear to suit the challenges of different environments. From lenses that increase the zoom up to 7 times to an F2.0 aperture lens for shooting on the go, this action gadget is a one-stop-shop for all your needs.

PHOTOGRAPHER’S TIP: Make sure to make the most of the Olympus Tough TG-5’s microscopic modes. These modes enable you to get up close and personal with nature and capture unique images in breath-taking detail.

With these inspiring travel cameras your holiday snaps will never again be dull – it’s time to get creative! And with Let’s Go Insure’s gadget travel insurance you’ll pay the minimum price for optimal cover of your precious purchase. Bon voyage!

How to Choose a Life Insurance Policy

How to Choose a Life Insurance Policy

There are many things to consider when choosing a life insurance policy in Greenville, SC, and every insurance company offers their own pros and cons. The fact that there are various kinds of policies in the insurance industry for good life insurance because not one insurance policy is good for everyone. It’s important to find policies that match your family’s and family’s expectations, needs, and budgets. Here are 5 important factors to consider when looking for a life insurance policy.
Amount of Insurance

How to Choose a Life Insurance Policy

You will have various options regarding how much coverage you will buy in a life insurance policy. Consider the debt on your behalf, the value of your assets, and how much money you have saved. The bottom line considering these things is to determine how much financial burden you will spend on your family after you die. Then, buy enough life insurance so your family will not feel the financial burden of your death.

Policy Type

There are two different categories of life insurance policies. You can purchase a policy of futures or a permanent policy. Term policy is enacted if the insured dies within the policy period purchased. If the individual does not pass, the policy may be renewed after the expiration date. This policy may be difficult to obtain for those over 65 because they are at high risk of death. Future policies can often be converted into permanent policies.

Policy persists to death. The premium for a permanent life insurance policy is slightly higher than a term policy. In this category of life insurance policies there are other subcategories, such as universal life insurance, variable, single premium, and survivor. Your insurance agent can communicate with you in this subcategory in depth and help you determine the right type for you, if any.

Cash Value Projection How to Choose a Life Insurance Policy

Term life insurance policies have no cash value that can be offered by a permanent policy. With a permanent life insurance policy, a small portion of your premium payment is sent to a cash account that grows throughout the year. For some, this can be a very desirable part of life insurance.

Affordability How to Choose a Life Insurance Policy

When considering a life insurance policy, make sure you buy a policy that will run well for your monthly budget. Do not make the mistake of buying life insurance with hard-earned payments every month and diluting your bank account. This will only negate the entire life insurance objective, ie to ensure that there is money in the bank for your dependents after you leave and can not meet their needs. When buying life insurance, there should be a balance between how much you pay and how much your family will get.

Insurance company

Again, every insurance company has their own unique policies to bring to the table. They each have different prices, packages, and incentives. Carefully research the insurance company you are considering. Ask trusted friends and family about what insurance companies they are and their policies they choose to help you find a direction.

One of the best ways a person can research a company is to consult the company itself. Take advantage of free consultation and talk directly with insurance agents. Ask all questions and record to compare. Life insurance in Greenville, SC, and elsewhere in the country, should be carefully selected and carefully selected. With the right policy, you can have peace of mind that your family will be well taken care of, if something happens to you, and it’s priceless.

General Pension Planning Sense Financial planning for retirement is the main focus of our company. Let us help you find the many opportunities available to help you plan your financial future. How to Choose a Life Insurance Policy

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Assorted Kinds of Designs Necessary For Garden Sheds

Assorted Kinds of Designs Necessary For Garden Sheds

Gardens Are only intended for yards and play with fields. Since it’s an essential portion of outside section of your home, it has to be manufactured presentable ample therefore that you may possibly delight in a good deal. One of the of the options, addition of garden sheds has truly been shown to become always a amazing alternative. The layouts which ought to get incorporated has to be picked within a smart method. Plans have to take harmony using the distance readily available from the backyard in addition to usually the main one who matches the full kind of your home. Designs linked to sheds needs to definitely serve the compulsory purpose generally.
Estimation Of Area To Garden Sheds

Assorted Kinds of Designs Necessary For Garden Sheds

Ahead Making plans seeing storage, so it’s quite crucial that you gauge exactly the distance at which the shed has to be set up. But for the distance readily available, additionally the section of the lawn has to be checked. At an identical period, it should be guaranteed that that it’s located far from the home highway. Doing this will protect against pointless congestion of this pathway at the very long haul. At an identical period, you ought to organize a style and design layout on the sheet of newspaper to get advantage. Even although you aren’t a professional architect, then it is going to deliver you a good idea as to how sheds would appear to be.

Access in to Touch Together With Skilled

Ultimately, The materials which are accepted to usage has to be obtained in to top thought. Ordinarily, a backyard shed is fabricated with wood because it’s a less expensive choice. You will Employ an Expert to Find the Optimal/optimally notion concerning layouts to Become Implemented. Moreover, It will Reduce unnecessary entrance of insects Together Side home Bugs which create high degree of destruction. Much better yet to Seek the Services of somebody which stays Immersed in to the various niche, since he copes with many endeavors over a Normal foundation. So He’ll maintain a positive position to urge one of that the Best. Top Time for You to Enhance your own garden in the top Versus a minimal Investment! Assorted Kinds of Designs Necessary For Garden Sheds

Accessing Medical Care in Cyprus: What Covers EHIC

Accessing Medical Care in Cyprus: What Covers EHIC

Cyprus is a beautiful holiday destination, famous for its stunning beaches and full of interesting antiques. A short flight to Cyprus takes you to a beautiful island that makes you feel a million miles from home – but Cyprus is closer than you think.
As a member country AU Cyprus offers reciprocal healthcare, and indeed this is part of its appeal as a holiday destination among Europeans. However, while the European Health Insurance Card (EHIC) offers health benefits in EU countries for UK citizens, it should be remembered that each country has a different health care system. You will not always get the same care as you do with the NHS in the UK. A single trip or annual travel insurance policy is always recommended. Accessing Medical Care in Cyprus: What Covers EHIC

 

What is the EHIC Rule in Cyprus?

If you need medical treatment in Cyprus and you have a valid EHIC, you are entitled to a low cost or sometimes free treatment. It should be noted, however, that your EHIC does not apply in the Republic of Cyprus, which is the northern part of the island where the government has little control over what is happening. If you visit this area, adequate annual travel insurance or even a single travel policy is a must.

As in most EU countries, EHIC does not cover personal care. If you only have your EHIC with you in Cyprus, you need to find a state-funded doctor or hospital. Regular travelers, however, with annual travel insurance may be able to access private health services and reclaim all costs.

Changes in Rules Accessing Medical Care in Cyprus: What Covers EHIC

In 2013, the nominal fee goes into effect for medical treatment in Cyprus. All citizens of Cyprus and EU citizens now have to pay 3 euros for GP visit, 6 euro for specialist visit and 0.50 euros for each treatment received. If Cypriots do not have a medical card, or visitors do not have an EHIC, this fee is higher. Emergency treatment for Cypriot medical cards or EHIC holders costs 10 euros, although pensioners (including pensioners from EU countries) are exempt from paying this.

Hospital visit Accessing Medical Care in Cyprus: What Covers EHIC

Non-urgent hospital visits in Cyprus, such as in the UK, require a referral, and your login will be asked for your EHIC. This entitles you to treat with the same rate of decline as the Cypriot population.

While EHIC is a valuable tool for identifying who you are and where you are from – and thus what kind of medical treatment you want – peace of mind actually comes from having adequate insurance. Single travel policy will be enough if you only take one trip abroad a year. If you are planning on doing some trips to the EU, the comprehensive annual travel insurance policy is the way to go.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.

Keeping your Winter Holiday Green

Keeping your Winter Holiday Green

We live in a time where people are becoming increasingly eco-conscious, and both cor-porations and individuals are doing more than ever to reduce their carbon footprint. This is fantastic news and very important in a bid to protect our planet and reduce the impact of global warming, but there is still a lot of work to be done. The good news is that even small changes can have a huge impact.
As a rapidly growing industry that’s set in natural surroundings, the skiing community must look for ways to keep winter holidays green without compromising on the quality of stays in catered ski chalets and shredding powder on the mountain. If you have a ski trip coming up and want to do your bit, here are a few simple ways to have an eco-friendly holiday.

 

Public Transportation

One great way to protect the environment is to opt for public transportation instead of taking your own car. The local public transport system is usually free with a lift pass, and offers a good chance to make a few new friends along the way. Using the local train network is also a good option if you want to venture outside of the resort and explore.

Recycling in Your Chalet

There has been a huge push to encourage recycling in ski resorts in recent years. Simply separate your rubbish from what can be recycled and take it down to the recycling point. This only takes a few minutes, but has a very positive impact on the environment.

Gear from Eco-Friendly Companies

There are a growing number of eco-friendly ski and snowboard companies that provide gear that does not harm the environment. This includes using eco-friendly waxes on snowboards and skis that are made from sustainable, reclaimed or recycled materials. For a great and guilt-free experience in the snow, why not consider renting or buying this equipment from a company that is doing its part to save our planet?

Chalet Hire from Reputable Companies

One of the easiest ways to go green is to book your catered ski chalet from a reputable company that has actively taken steps to combat damaging the environment. Take your time to research the company, and keep your eyes peeled for those that adhere to an AITO recognised environmental policy.

Getting There

Transport is always a concern when it comes to green holidays. Flying can produce three times more CO2 emissions per passenger than other forms of public transportation, so avoid this if possible. Good alternatives include driving (car shares are even better) and going by train (there are many stations throughout the Alps).

Offset Carbon

If you do decide to fly, you can still do your bit by offsetting your carbon (certain airlines provide this option at the time of booking). A few options include getting a shared transfer or bus from the airport/train station and using a transfer company that offsets their carbon.

Adhering to Resort Environmental Issues

If you choose a resort that has environmentally friendly practices in place, be sure to ad-here to these during your stay. The staff members know how to best protect the site, and they can make it easy for you to do your bit whilst still enjoying your stay.

Never has it been more important for people to reduce their environmental impact than today. Fortunately, this can be relatively straightforward during a stay in a catered ski chalet, and will allow us all to continue skiing without damaging the beautiful surround-ings.