Essential Safety Information :
	Before you travel, make sure you passport is valid and will not be expire while you are away. Most of the country will not except your passport if it has expired.
	Always take good care of your passport. Don’t give or handover your passport to anyone. You need that to go and come in every country of the world. Without a passport you will not be able to get in the plane.
	Keep your passport with you at all times. If you are visiting friends or family, make sure that your passport is in a safe place. If you are in a hotel or shopping around the town, always check on it.
	Do you have a duplicate copy of your passport? If not, make at least 3 photo copies of your passport. Leave one behind at your permanent address, 2nd copy with you when you traveling but not with the original passport (or keep it with your traveling companion). Incase you lose your passport, you would need the photocopy for your identification. While making photocopy, make sure to copy all the relevant pages of your passport (mainly the page with your photo and profile)
	If you have a scanner – scan you passport and send it to your own e-mail address. It could be very helpful incase if you lose your passport and photocopy can’t be located.
	If incase, you lost your passport, notify the local police authority and contact your embassy immediately. Do not delay on reporting the lost of your passport. Your travel arrangement might
	When it comes to traveling abroad, first piece of document you need is a passport. It is the most important document. Following are some of the very you should keep in mind: be delayed due to lost of your passport. Where else do you need a passport? If you pulled over or stopped by the law enforcement officers in a foreign country, passport is you first identity along with your international drivers license. If you like to use your credit card for your shopping need, passport can be used as your identification. Some Useful Tips: Make sure you have the proper health/immunization requirements . Carry as much currency in travelers checks as possible. Keep a copy of all documents and credit card information in a safe place . Find out some information about your destination. It is to your advantage to know some basic phrases in the local language, basic facts, places of interest, how to get around etc. Check all your travel documents to make sure that they are in order. Passports should be valid for a few months after your return date. Bring your address and telephone book. Make sure you have jotted down important telephone numbers in case of emergency. Check the weather conditions of your destination. Become very alert when you are pushed around or distracted in a crowd. When staying at a hotel, have your keys ready before you reach your room. Every time you are in your hotel room, you use the double lock at all times. If any of your important travel documents such as passport are lost or stolen, immediately notify the local police. If you know that your country has an embassy in that country, report this to them and they can help you process temporary travel documents. For credit cards make sure you call the issuing bank immediately so that they can stop the card from being used illegally. Note: As regulations are liable to change at short notice it is advisable to check details with the Embassy.

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Western food is available in all major hotels and most of the big restaurants in import cities. But local dishes are normally far better and more exotic. Curries of many kinds around, cooked with proper spices and hot curry powders, including Korma, Rezala, Bhoona and Masala Gosht, Chicken, mutton, beef, fish and prawns, Chicken Afghani, Chicken Baghdadi, Chicken Kashmiri, Chicken Tikka, boti kabab, shutli kabab and a variety of fish curries should be tried. Rice in the form of pulao, biriani-with rice and mutton or chicken and khichuri are available in any reasonable restaurant. Those who do not care for rice dishes can try mughlai parata, plain parata or naan, which go very well with curries. Seafood and sweet-water fish are available in most of the towns. Fish-lovers should not miss smoked hilsa, fresh bhetki and chingri (lobster/king prawns) malaikari, Prawn dopyaza.

DRINKS
Chai – the milky sweet tea available almost everywhere.
Lassi – the refreshing yogurt drink. Green coconut water is a fine, safe and refreshing drink. International soft drinks, such as Pepsi, Coca-Cola, Fanta, 7-up, Mirinda, Sun Crest and Sprite are readily available. Hard drinks are available in big hotels and selected restaurants. On Fridays drinking in public areas is not recommended for foreigners.

DESSERTS
Misti Dhohi, sweetened yogurt, Halua: a common dessert ranging from egg halua to carrot, sooji or wheat cream, almond, pistachio, nuts and so on, Sandesh: milk based dessert, one of the best available, Zorda: sweetened rice with nuts, Firni: rice flour cooked in milk, sugar and flavoring, Rasgolla & Kalojam: Two popular milk based desserts and made with sugar, flour and ghee, Ros Malai: round sweets floating in thick milk, Pitha: a blanket term for cakes or pastries including specific varieties such as chitoi, dhupi, takti, andosha, pufi, bhafa and pua,

FRUITS
Mangoes, Lichees, Bananas, Papayas, Jackfruit, Watermelon, Pineapple, Coconut and Oranges.

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The international airport in Dhaka is well-equipped with facilities to handle passenger and cargo flights. The national carrier Bangladesh Biman and a number of major airlines of the world run regular services to and from Dhaka. Biman and a private company fly smaller aircraft to transport passengers to different airports within the country. The Dhaka Sheraton Hotel, the Sonargaon Pan Pacific Hotel and Purbani Hotel run their own transfer services to and from the airport for convenience of their guests. The Parjatan Corporation also runs a similar transfer service with a fleet of comfortable cars and microbuses. The corporation operates a large number of hotels, motels, cottages, restaurants, duty-free shops and package tours in Dhaka and at different tourist spots outside.
In the Sunderbans the visitors can stay in comfortable rest houses, take boat trips along the creeks and from observation towers watch tigers, deer, monkeys, crocodiles and birds. In Dhaka and elsewhere various kinds of oriental and western food are served by the hotels, motels and restaurants. Bangladehi costumes and handicraft are attractive in design and quality and are good value for money. In 1995, foreign tourists numbering 156, 231 visited the country bringing for the national exchequer over Tk. 95 million in foreign exchange.

Climate:
Bangladesh has a tropical monsoon-type climate, with a hot and rainy summer and a dry winter. January is the coolest month with temperatures averaging near 26 deg C (78 d F) and April the warmest with temperatures from 33 to 36 deg C (91 to 96 deg F). The climate is one of the wettest in the world. Most places receive more than 1,525 mm of rain a year, and areas near the hills receive 5,080 mm ). Most rains occur during the monsoon (June-September) and little in winter (November-February).
Bangladesh is subject to devastating cyclones, originating over the Bay of Bengal, in the periods of April to May and September to November. Often accompanied by surging waves, these storms can cause great damage and loss of life. The cyclone of November 1970, in which about 500,000 lives were lost in Bangladesh, was one of the worst natural disasters of the country in the 20th century.
Bangladesh has warm temperatures throughout the year, with relatively little variation from month to month. January tends to be the coolest month and May the warmest. In Dhaka the average January temperature is about 19°C (about 66°F), and the average May temperature is about 29°C (about 84°F).

Required clothing: Lightweight cottons and linens throughout the year. Warmer clothes are needed in the evenings during the cool season. Waterproofs are necessary during the monsoon season.

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Bangladesh – A south asian country which is Lying north of the Bay of Bengal. iT has a total area of 147570 sq .km and population is about 124 million. On land it borders India in the north and west & Myanmar in the southeast. Bangladesh is subdivided into 6 divisions, all named after their respective capitals. These are: * Dhaka Division * Chittagong Division * Khulna Division * Sylhet Division * Rajshahi Division & * Barishal Division

Dhaka Division With an area of 31119.97 sq km, is bounded by barisal and chittagong divisions on the south, sylhet and Chittagong Divisions on the east, rajshahi and khulna divisions on the west. Main Tourist Spots ..

Chittagong Division The most southern areas of Bangladesh with Hills and Sea. Enjoy the longest sea beach of Cox’s bazar, the beauty of hills and rivers in Rangamati, Khagrachori & Bandarban. Buddhist heritages ..

Khulna Division Khulna Division is famous for the Great Sundarban – world largest Mangrove forest & the home of Royal Bengal tigers. Also visit Shat Gambuj Mosque, Shrine of Hajrat Khan Jahan Ali, Mongla ..

Sylhet Division Sylhet Division is known for its tea-gardens & natural resources. Miles of Beautiful greenish view of tea plants attract a huge number of tourists. Sylhet is also famous for Shrines, Waterfall ..

Rajshahi Division Rajshahi Division is famous for Historical and archeological sites like Mohasthangar, Kantajee’s Temple, Paharpur – great Buddhist heritage. Also well-known for its fruit, specially mangos ..

Barishal Division South west part of Bangladesh. A Division of rivers and cannels. Main tourist spot is Kuakata – A Truly Virgin Beach. Other tourist spots of Barishal Division are – Horinghata ..

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Bangladesh is one of the few countries in South Asia, which remains to be explored. Bangladesh has a delicate and distinctive attraction of its own to offer and it is definitely not a tourist haunt like Nepal or India. Bangladesh is like a painter’s dream come true with a rich tapestry of colors and texture. The traditional emphasis of the tourist trade has always been on the material facilities offered by a country rather than on its actual charms. This may be a reason why Bangladesh has seldom been highlighted in the World’s tourist maps.

You’ll appreciate our culture and the environment. These are not simply sight-seeing excursions, but real-time learning experiences. Enjoy an ideal blend of adventure and exploration with comfort and relaxation. Here you find that you are not alone. With us, any place in Bangladesh is a home away from home

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Even the most financial

responsible person can find himself buried in debt. It doesn’t take long for bills to pile up, and you begin feeling the effects of a failed economy first hand.

Whether you have suffered a job loss, or had some other unforeseen monetary emergency, contacting a debt settlement relief organization will have you well on your way to a more secure financial health.

Natalia Osorio Editor of the “Best Debt Settlement Services” website — http://www.BestDebtSettlementServices.com — pointed out;

“…Settling your debt is, in most cases, a more viable option than filing for bankruptcy. The last thing your credit companies want you to do is file bankruptcy. Your creditors would rather have you settle, and are willing to work with you on a payment that is feasible. It is important to work with them when deciding to settle what you owe. However, when you factor in multiple creditors, it is hard to get a handle on managing a settlement with each one…”

That is why debt counseling is so beneficial. After your initial contact, your counselor will handle your creditors for you. They contact each debtor and work out a payment plan equaling percentages less than what you would have originally paid. The best part is that you send one payment per month to the devt relief agency, and they disperse the agreed-upon amount to individual collector. You no longer have to worry about making timely payments or sending out multiply payments at once.

In times of high stress, you are fortunate to have someone on your side. Settling debt with the help of a credit relief agency provides you with strong negotiating power. It also gives you a sense of well-being, knowing that you will pay off your debt in a shorter amount of time for a fraction of the original bill.

Finding the right debt relief company to help you settle is important. Do your homework. Shop around online and check references with the organizations that monitor proper business practices. Get all the details about getting your debt settled before you make any commitment. Also inquire about the processing fees set forth. You don’t want any surprises or hidden costs when you finalize the process.

“…Debt doesn’t go away on its own. Understanding your options and taking action is your first step to recovery. Act now and contact a debt relief counselor. Having someone on your side to help you manage your debt will provide you with restful nights and a sense of hope…” N. Osorio added.

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Like the day you forget to lock the boot, or the time you left the car running while you nipped to the cash machine.

Take a look at our list of how to keep your car as safe as you can.

When you park your car in a car park that requires a ticket in order to exit, make sure you take the ticket with you.

Do not leave any possessions on display; when you leave valuables or possessions in your car make sure you put them in the boot and lock it. If you do not have room in the boot try to hide any valuables under the seats. Mobiles, cigarettes, CD’s and bags are all prime targets for thieves.

Always try and park in a well-lit and public place, or in a car park that has a security guard or cameras in order to deter thieves and joy riders.

Always double-check that you have shut all the windows including the sunroof, as it is easy for a thief to get in by using the sunroof. Finally, double check that you have locked all the doors, and the boot before leaving your vehicle.

Never leave your keys in the ignition, even for a moment while you pop into a shop or to the cash machine. It only takes 3 seconds for a thief to get in and drive off.

Have the registration number of your car etched into every window. This will discourage thieves, as it increases their workload.

Look into getting a good steering wheel lock and an alarm this acts as a deterrent as it will delay a potential thief. Also, many, insurance companies will give discounts on your premium if you have a quality security device fitted.

If you park your car in a driveway at night, it may be a good idea to invest in some good gates or a removable bollard.

Don’t use your mobile when driving.

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The Great Sunshine Way hits many of the important hot spots of the region, including Brisbane, which if you are flying into the region will probably be where your flight comes in, and the Fraser, Gold and Sunshine Coastal regions. This exciting tour route will also take you through some of the most spectacular areas of the country mixing it up with some incredible beaches, towns and the hinterland, you will find that this unique adventure affords you the entire Aussie experience in that laid back Aussie style that really allows you to relax and enjoy the view.

Going along through the Sunshine Coast you’ll see some scenery that is only available here in this region, some of the most stunning you’ll every see in the world. You’ll see two World Heritage locations also, the fabulous Glasshouse Mountains, and the beautiful Noosa National Park.

This is the way to see all the natural beauty of this area without having to worry about where you’re going. The Great Sunshine Way is designed especially for tourists who’ve never been in the area, it’s very simple to navigate and follow, no worries for getting lost.

You will delight in all the sights and sounds of the region at your own pace, allowing you to take a day and just bask in the sun on one of the incredible beaches or stop and take pictures at the views of your choice. It is like a guided tour without the guide allowing you to commune with nature at your own pace and still know where you are heading even after the sun goes down. This exciting tour will ensure that you always know where you are going, making the Great Sunshine Way the best way for vacationer’s to travel while in the Sunshine Coast.

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If you feel like you are being eaten alive by your mortgage payments, you are not alone. Many borrowers who initially agreed to an adjustable rate mortgage are now feeling the brunt of increased payments due to adjusted interest. Or perhaps you have a fixed rate mortgage, but due to a decline in income you are struggling to make the payments that must be made to keep your home. You should consider refinancing your mortgage today to save a bundle.

Save Your Credit Score By Refinancing

Oftentimes, those who signed on for an adjustable rate mortgage did not really understand what they were getting themselves into. An adjustable rate mortgage does just what the names implies, it adjusts periodically based on market conditions and other factors that are determined by the financial markets. Perhaps you are now struggling to meet the payment on your mortgage that has now ballooned out of control. Many people are forced into bankruptcy or foreclosure due to the adjustable rate mortgage. Whether you have a fixed rate or adjustable rate mortgage, if you are having difficulty making your monthly payments, you should attempt to refinance immediately.

Every time that you are late on your mortgage payment you do irreversible damage to your credit rating. Most homeowners do not understand the full implication of making late payments, but the fact of the matter is that late payments are the most derogatory notations that can be entered onto your credit report (other than bankruptcy) and should be avoided at all costs. If you have been late in the past, you should definitely consider refinancing to get a lower payment amount on your current mortgage.

Getting A Fixed Lower Rate

When refinancing, choose a fixed rate mortgage that allows you to make a predictable monthly payment that can fit your budget. Your home is the most important asset you will ever own, so make certain that you do not agree to payment amounts that are truly not within your range. You can refinance your mortgage on terms of up to thirty years, and refinancing for a longer period of time will garner you lower payments each month.

Additionally, many borrowers find that when they refinance they are given a lower interest rate. Perhaps your credit has improved since the mortgage was written, or maybe mortgage rates have dropped. Refinancing to just a half point lower can save you thousands over the life of the mortgage.

Special Deals When Refinancing

Be aware prior to refinancing your existing mortgage that there are additional costs to be paid that are associated with your refinance, just as when you took the mortgage out originally. Look for a lender who offers to share these costs or absorb them completely, such as the cost of appraisals, filing fees, and more. Many lenders are willing to do just that to secure your business.

Online lenders offer traditionally lower rates on mortgage refinance than do local banks that you might have dealt with in the past. Do not feel that you must be loyal to your original lender when refinancing your current mortgage – remember the name of the game is to save money

and get your finances back on track.

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• The Mortgage Refinance Dilemma Despite Low Mortgage Rates, Homeowners Can't Refinance by David Streitfeld of The New York Times reports the difficulty of refinancing a home mortgage due to declining home values. Even though a homeowner is current and can make the lower payments on the new mortgage, the lender won't refinance the mortgage......
• What Causes Mortgage Rates To Change? I'm on a lot of mailing lists, which usually get sold and result in my getting a ton of spam. Most of it is effectively filtered out, but sometimes "relevant spam" filters through. Here's an interesting example from a mortgage company. Did you know that one or more rate changes......
• Weakening Economy Can Mean Good News for Homeowners On Tuesday the Federal Open Market Committee (FOMC) dropped the federal funds rate by 0.75% in an emergency meeting. What does this mean for mortgages? The federal funds rate does not actually directly impact fixed mortgages. Because fixed-rate mortgages are long term loans, they tend to more closely follow long-term......

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