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      "body": "Congratulations @germa66! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@germa66/birthday3.png</td><td>Happy Birthday! - You are on the Steem blockchain for 3 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@germa66) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=germa66)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "body": "<center>![Image of Yaktocat](https://www.globaleye.com/wp-content/uploads/Investment.png)</center>\nWhat do we need money for?\n\nThe most common answer to this will be about money as being the primary source of comfort in our lives. At the same time, money is also the primary reason behind most of our fears and worries. If we emulate our financial fears to our mortal fears such as death or loneliness, even that shouldn't come as a surprise to us. \n\n Never let these concerns make you weak. Rather than letting these fears hamper our emotional and mental state; we should instead be wise enough to be aware of the likelihood of our financial situation transforming.\n\nLet us here learn about the biggest financial fears of people and how can we overcome their effects in our life with a little planning and your financial acumen. This tally is a result of a public survey conducted recently.\n\n<b>1.Living a monthly salary mentality:</b>\nThis trend can be observed more often among young adults, or people who are at the outset of their career. This kind of mindset can result into minimal savings. This can also land you in a cyclic trap of waiting for the salary day, to clear your chunk of bill payments. However, this attitude can be very well overcome in case you have enough savings.\n\nHow do you build ample savings?\n\nThere could be several ways you can accomplish this goals of yours. You can begin with putting a fixed amount out of your monthly income into a savings account. Once you are able to successfully accomplish this for a few months, you can try increasing the amount gradually.\n\nAlways ensure that you are doing it systematically, and if not increase; you are at least not cutting it short. Step by step as your savings start boosting, you can thereafter go on isolating some money for your emergency fund.\n\n<b>2. Losing employment:</b>\nIf you are into a job, then it is apparent that your organization's performance will have a direct impact upon your job, and even whether you will be able to maintain it. Here, an emergency fund can be a valued resource that can help you survive your unemployment fear.\n\nThe Thumb Rule: A wise act here would be to save up to 6-8 months of your salary for a satisfying emergency fund.This emergency stock can ensure to keep you sheltered, in an unfortunate time including the loss of job.\n\n<b>3. Excessive Debt and Homelessness:</b>\nArising out of the fear of joblessness, causes this fear to penetrate our minds. No job means pending bills, rapidly accumulating debts, and sometimes may even land you into losing your home.\n\nHow to ensure that this fear doesn't become true? You should be consistently growing your savings and investments, along with maintaining liquidity. You can consider downsizing to a smaller and an economical housing option. This will ensure that you have a shelter, along with managing other life expenses.\n\n<b>4. Severe Indebtedness:</b>\nIf you have piled up cumbersome debt on your credit cards, student loans, car loans, etc. it may seem really difficult to clear up all. It is truly likely to occur. Debts can result into strapping your cash reserves and consequently, make everything else mount up. This situation becomes more difficult for people with a meager debt-to-income ratio. For those, it can be struggling to qualify for the loans and other financial products they need, or even get a loan with a decent interest rate.\n\nHow to defeat this? Again here, developing a good savings will alleviate your debt fear. Such a person will be able to cover upon his/her unexpected expenses, and also be in a position to place more money up in advance while applying for loans.\n\n<b>5. Stolen Identity:</b>\nPertaining to the increase in security breaches, identity concerns are much quite predictable. Any mishandling of our banking and security info, may lead to draining of our hard-earned savings and credit history. How do we protect our identity? There are certain precautionary measures that can be taken to keep our identity info secure. Let's have a look at a few.\n\nAlways use secure passwords for all of your online transactions that include the input of any kind of banking information. Be cautious of suspicious calls or emails, especially when they are asking for any of your personal security information. Most importantly, being proactive will always help you defeat this fear.\n\n<b>6. Fear of Working Immortally:</b>\nWith people now starting to work at quite an early age, this has become a much avertible fear. Pondering how? Because they have the strongest means, Time, on their side. Therefore, they are able to opt for the pension and retirement plans within their company as early as possible. With this, they can ensure having a sufficient amount at the time of their retirement.\n\nDealing with this fear: How do we empower ourselves to save enough for our retirement? The answer to this may not be very difficult to accomplish. Always put your future wants on a high priority compared to your present needs. If you start saving early and be consistent with your savings habit, then gradually its worth will increase with time and the growth rate. Consequently, your wealth will accumulate enough for your future sustenance.\n\n<b>7. Fear of loss in the Stock Market:</b>\nNever ever risk all your life savings in the Stock Trading. 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      "body": "<center>![Image of Yaktocat](http://www.business-opportunities.biz/wp-content/uploads/2015/05/Top-MLM-898x463.jpg)</center>\nThe best MLM companies are those who embrace the many benefits that multi-level marketing has to offer. Read on to learn more about the advantages that MLM marketing can provide and how MLM leads can change your financial prognosis.\n\n<b>1. Limited Risk Factor </b>\n When we start traditional businesses, we are confronted with the possibility of losing money almost immediately. There are a number of expenses to consider and we are not always prepared to deal with them. As a result, people tend to avoid starting their own business and are scared to become entrepreneurs. Startup costs tend to serve as a strong deterrent in these instances.\n\nBut with the best MLM companies, you are able to get started for just a few hundred dollars. MLM leads are also generated with relative ease, since MLM companies focus on selling products that are used by their prospective clients already. If you take the time to compare the level of financial investment involved in an MLM marketing plan with the investment needed to start a traditional business, you will find that the risk factor is significantly decreased.\n\n<b>2. Passive Income</b>\nMLM marketing offers people the opportunity to stop trading their time for money and allows them to begin earning a passive/residual income almost immediately. When you pay your Internet, cable, electric, gas or water bill each month, those companies are all able to enjoy a steady stream of passive income, without ever having to punch a clock. Thanks to MLM companies and MLM leads, you can also partake in this lifestyle.\n\nAll you need to do is put in the initial effort to draw in the customers and the rest will simply take care of itself. A lot of us are too used to the level of certainty that is derived from trading a predetermined amount of time for a predetermined amount of money and we avoid the lure of MLM marketing as a result. But selling products for the best MLM companies allows us to snatch a far greater piece of the income pie.\n\n<b>3. Low Overhead</b>\nIf you decide to start a traditional business, your overhead costs can be cumbersome. There are employees to pay, space to rent and inventory costs to be considered. With MLM marketing, you can harness the awesome power of the Internet to keep your costs low and ensure that you remain within your budget.\n\nMLM companies tend to get a bad rap, because people falsely believe that they will have to purchase a large amount of inventory during the early stages and recruit people to sell it on their behalf. Thanks to the Internet, this perception is no longer reality. When you do not have to keep up with a high monthly overhead, it is much easier to adapt to changing business climates.\n\nMLM marketing offers you a great opportunity to start making extra income right away. Free Ticket To Income For Life!",
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      "body": "Going berry picking is a great way :). I have a lot of good memories doing that.",
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      "body": "jangan sok tau, gua gk ambil dari situ,.. gua ambil dari sini http://www.amazines.com/Travel_and_Tourism/article_detail.cfm/6217232?articleid=6217232",
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      "title": "Brexit, EHIC and European Travel Insurance",
      "body": "![Image of Yaktocat](http://www.telegraph.co.uk/content/dam/insurance/2016/05/17/97464342_eu-flag-beach_MONEY-large_trans++fOp3sshE0kUyWr3r7zY5DemNX2rRP8fx-3josGgsE1E.jpg)\nThe recent UK referendum resulted in a decision to withdraw from the European Union and that is raising the spectre of higher holiday costs and also the very real possibility that full European travel insurance will be required by all regular travellers to EU destinations.\n\nThe Position Summarised \n At the time of writing, the full implications of the UK’s vote to leave the European Union are far from clear.\n\nIt seems safe to assume that little will change immediately other than the perhaps predictable nervous reactions of the stock and currency markets. That latter one may hit your holiday purchasing power hard, particularly if you’re heading off to North America, and as much of the buying and selling of holiday components (such as aircraft charters) is done in dollars, expect to see a painful impact on overall holiday costs too.\n\nOf course, these things may well stabilise.\n\nMany people alive today travelled extensively on holiday or business (or both) before the European Union existed. Ultimately, there are millions of people in the UK who want to travel - and that is a VERY significant buying-clout and profitable segment for airlines and overseas tourist destinations around the EU. Competition will remain fierce and the rush to deliver eye-catching deals to the market will continue.\n\nThe Broader Perspective\n\nWhile the immediate perturbations will continue to make headline news, they will in all likelihood subside over time. The media will get bored with the subject and move on, and markets will find their natural levels.\n\nWhat is slightly more concerning, though, is how in the medium to long term, things we all currently take for granted may well need to change. One of those is the much-loved EHIC (European Health Insurance Card) and the related basic European travel insurance.\n\nEHIC is the system whereby EU member states agree to treat each other’s citizens in the event of a medical emergency. Any traveller requiring such help will receive the same treatment as a citizen of the country they’re visiting. That’s not to say necessarily 100% free, but huge medical emergency bills are much reduced.\n\nThe wise traveller will always have supplemented that basic provision by taking out European travel insurance to cover those costs NOT considered to be a medical emergency, such as air ambulance back home or additional hotel bills for a family member etc.\n\nNow here’s the tricky part – at the moment, the cost of European travel insurance to the EU is based upon the assumption that much of the cost of any medical emergency would be met by EHIC. The EHIC system only applies to citizens of EU member states - so, you can see the potential problem!\n\nThis might affect travellers seriously by pushing up the cost of their travel insurance by some non-trivial amounts.\n\nWhat’s Likely?\n\nRight now, nobody really knows what will happen to EHIC.\n\nIt may be continued in a different form, which seems the most likely course of action. It’s possible it will be scrapped altogether and travellers will need to be absolutely certain that they have full travel insurance covering emergency medical treatment, just as happens now when visiting the USA.\n\nWhat is certain, though, is that once the dust settles and the UK finally starts to leave the EU, then things in this area will change and the need for comprehensive but affordable European travel insurance will increase.\n\nPatrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in worldwide and European travel insurance policies. Besides offering great deals on travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holidays.",
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      "author": "iosif",
      "permlink": "re-germa66-make-the-most-of-your-wine-tours-in-marvellous-burgundy-20160807t124252985z",
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      "body": "yeah :)",
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      "body": "Thanks for the nice tips and great regions, definitely sounds like more special places one might one to visit. Would love to see more pictures or the spots in reality. I will definitely recommend it to wine fancier Austrian travellers.",
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      "body": "<center>![Image of Yaktocat](http://www.travelandtourworld.com/wp-content/uploads/2016/05/5c187417-6d99-4a2a-a02a-d123932fb9bb.jpg)</center>\nDuring the past few years, many travelers from all over the world started spending their vacations in Dubai. In fact, they fell in love with the city that has transformed to become one of the most amazing destinations in the world that welcome thousands of tourists from various regions around the globe. Today we will be highlighting some of the facts and information about Dubai.\n\nCan you imagine first of all that the crimes’ rate in Dubai is around 0%?! In fact, there are only quite a few incidents of crimes that occur in the city. This is considered to be the highest safety rate to be found anywhere in the world due to the high-tech security systems and the state of well-being everyone is feeling in Dubai. This is considered among one of the reasons why tourists started booking their tours to Dubai. \n\n Would you believe that one of each four skyscrapers in the world is located in Dubai. The city has around 25% of the cranes that are used to construct huge buildings in the world. Several travelers who tour Dubai enjoy watching these marvelous huge constructions and sky capers.\n\nAnother fascinating architectural fact about Dubai is that the sand that was used to construct the Palm Island is enough to build around three Empire States buildings. The amount of sand needed to establish the island was estimated to be around 94 million square meters of sand, while the Empire State Building required only 37 square meters of sand. The city has much amazement that grabs the attention of many vacationers to enjoy their holidays in Dubai.\n\nDubai welcomes a huge number of tourists every year. This number is truly quite enormous to the extent that the number of tourists who visited the city in 2013 exceeded the number of inhabitants of the city of Shenzhen in China, the 10th largest city in the world in terms of population. Tourists who spent their vacations in Dubai in 2013 were more than 11 million.\n\nDubai is nicknamed as well as the city of world records. The city has the largest and highest skyscrapers in the world, the largest mall, the largest fish aquarium, and the biggest artificial marina in the whole world. All these amazing attractions encourage many travelers to spend their holidays in Dubai.\n\nAmong the most interesting highlights of Dubai are the magnificent dancing fountains of the city. Dubai has the largest and most impressive dancing fountain in the whole world with a surface area that exceeds 30 acres and the water jump to a height that is more than 150 meters. This is another reason why many travelers prefer to tour Dubai, in order to view these wonderful attractions.\n\nThere are also some scenes that you can hardly view outside Dubai. This includes, as an example, seeing someone driving his car with a lion or tiger sitting next to him, many of the inhabitants of the city own several wild animals. Travelers from different sections of the world book travel packages to Dubai to enjoy this unique magical ambience.\n\nHave you ever saw an ATM machine where you can withdraw gold and jewelry instead of cash? This is another thing that you can only find in Dubai. There are many other matchless scenes to view only in Dubai like tennis courts on top of skyscrapers, curved style skyscrapers, and shopping malls where a huge aquarium of fish is located in its middle offering the tourists who travel to Dubai enjoy a magnificent shopping ambience.",
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      "body": "<center>![Image of Yaktocat](http://www.zicasso.com/sites/default/files/styles/original_scaled_down/public/cleanup/sampletrip/vineyards.jpg)</center>\nBurgundy is one of France’s most well-known regions. A region with dozens upon dozens of rural hamlets where time has stood still. Burgundy is also home to some of the finest wines produced in the world.\nWine tours on river cruises are the most relaxed and luxurious ways to experience and explore Burgundy. Luxurious hotel barges meander up and down rivers and canals, stopping at some of the greatest vineyards and wineries where you get to taste the nectar of the grapes – amazing Burgundy wine. \n\n<b>Cruising from Vintage to Vintage</b>\nAs you cruise gracefully along the Burgundy Canal on these wine tours, you’ll pass through many different areas – each producing their own unique varieties of wine. Each has a long tradition of wine making and when you try these amazing wines, you’ll be tasting years of love and devotion to just one thing – producing the best wine possible!\n\n<b>Château de Meursault – 900 Years of Excellence</b>\nThis magnificent chateau has been producing wine for centuries. Some of its cellars have been in use since the 12th century and contain hundreds of barrels of premium wines. During your visit you can expect to sample a selection of both red and white wines and perhaps even their vintage Charmes and Perrières Premier Cru.\n\n<b>Maison Jaffelin – the “Newcomer on the Block”</b>\nAs you continue your journey make sure you visit Maison Jaffelin in Beaune. A relative newcomer (founded in 1816), their wines are based on traditions going back centuries. What this winery lacks in size it makes up for with the quality of the wines stored in its impressive, vaulted cellars.\n\n<b>Domaine Bersan at Saint-Bris le Vineux</b>\nStop off at the village of Saint-Bris le Vineux to explore Domaine Bersan. And we really do mean ‘explore’ because this maze of underground cellars was once used as defence system for the village. Today, however, they store exquisite wines with a bouquet and taste to die for!\n\n<b>Puligny-Montrachet</b>\nWith more than 20 wineries, this village is a wine aficionado’s Mecca. The best known vineyard also gave it the second half of its name - Le Montrachet. If you want the ultimate taste experience, then Le Montrachet is where you need to be as this exclusive label produces some of the world’s rarest and most expensive wines.\n\n<b>Philippe Chavy & Coffinet-Duvernay – Boutique Wineries, International Standards.</b>\nIn Puligny-Montrachet you should also take some time during to explore some of the smaller wineries. Two great examples are Philippe Chavy and Coffinet-Duvernay. With wines made from grapes grown in perfect conditions and produced with care and attention, you have a treat in store for you.\n\n<b>Explore Above and Not Just Below</b>\nDon’t miss the opportunity to see where it all starts – the fields where the juicy, sweet grapes are grown.\n\n<b>Vigne de l’Enfant Jésus in Beaune</b>\nThis is one vineyard you have to visit! Known for the quality of the Pinot Noir grapes which produce some of the best vintages ever, you’ll get to see, at first hand, acres upon acres of grapes that are destined to grace your table as fine wine.\n\n<b>Chablis – Not Just a Wine but Also a Town</b>\nThe town gave its name to the dry white wine produced from its succulent chardonnay grapes. Enjoy a quiet and leisurely stroll along the public footpaths that take you around some very impressive vineyards. This is one place you must stop at on any wine tours to sample the wine and food and to drink in the breath-taking scenery.\n\n<b>The Chevaliers du Tastevin</b>\nSince 1934 these bastions of Burgundy culture and heritage have been preserving and promoting all that this amazing region has to offer – wine, food, folklore, festivals and much more. Situated in the beautiful Château du Clos de Vougeot, an ancient winery dating back over 900 years.\nRegardless of how many wine tours you enjoy, there will always be something new to see and discover in what is \n\n<b>one of the most beautiful regions of France.</b>\nPaul Newman is the Marketing and E-Systems Executive for European Waterways, the UK's most respected provider of all-inclusive, luxury barge holidays. Offering holidays to France and other great destinations, itineraries include wine tours and other cultural and themed activities. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience",
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      "body": "<center>![Image of Yaktocat](https://farm1.staticflickr.com/485/19321697496_4e90b3be38_b.jpg)</center>\nKids today are obsessed with being \"connected\"--connected to their friends on social media, connected to the latest celebrity gossip, connected to the hottest trends in technology. It seems that the one thing they're not connected to is nature. How often do your kids spend time outdoors? When was the last time they enjoyed the sunshine? If you're looking to help your kids connect with nature again, try these 3 activities.\n\n<b>Go Camping</b>\nPack up your sleeping bags and leave the technology behind. There are a lot of great camping spots in the Atlanta area, so get out of the city and sleep out under the stars. There are few things quite as refreshing as spending a night or 2 out in the woods, cooking your meals over a campfire and enjoying the fresh air. Whether you go camping for one night or several, it will be a great way for your kids to connect with nature. And if you establish a no-phones policy, you'll reap the benefits of some quality family time too. \nKids not interested in sleeping outdoors? Do a family \"day camp.\" Go find a spot to build a campfire, roast hot dogs, and spend a few hours together. Sometimes, this can be even more effective than forcing your kids into a weekend camping trip that they'll end up resenting.\n\n<b>Go to a Nature Center</b>\nIf you're looking for a more structured way to help your kids connect with nature, look for a nature center in Atlanta. These establishments are built to help foster a love for the outdoors in children of all ages. They'll be able to participate in bird watching, learn how to identify various species of flowers, and enjoy other activities in the great outdoors. \n\nThere are even some indoor activities designed to teach them more about wildlife and nature in general, so even if the weather is bad, it's always worth making a trip to a nature center.\n\n</b>Set up a Scavenger Hunt</b>\nEntice your kids to get outside by setting up a scavenger hunt in a park or along a popular nature trail. Leave clues that will lead them further into nature, and provide a great prize for them at the end, like roasting marshmallows over a campfire.",
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