15 Travelers That I Have Met

There are really as many type of travellers as there are people. Here we take a tongue in cheek look at some of the common types.

1. The Complete Budget Traveler

The complete budget traveler travels on a strict budget and does not vary from it, no matter how exciting the recently discovered opportunity is. No extra drinks for this traveller unless someone buys him/her one.

2. The Perennial Party Animal

The perennial party animal has one focus and that is to have fun usually at a bar. These travellers find places to party where others cannot. Perhaps they should be partnered with the complete budget traveler!

3. The Flexible Go-anywhere Traveler

The flexible go-anywhere traveler just chills out where-ever he/she is. There is no need for planning – everything is good. They go with the flow and to not need to know where they are going. Perhaps the traveller that enjoys any experience.

4. The Methodical Planner

The methodical planner does not do anything that is not pre-arranged. Every second is planned and when things go wrong as they inevitably do, they feel unloved. They will always be found where ever the plan tells them to be.

5. The Modern Techie

The modern techie can only travel if he/she has the latest travel accessories and gadgets. Stay close to the modern techie to learn what items works and what items are a waste of money for your next trip.

6. The Avid Souvenir Buyer

The avid souvenir buyer has money to spend and anything that he/she wants to remind them of the holiday. The head for the markets and shops and not interested in spending any time with the perennial party animal. Usually has trouble with baggage weight limits on the homeward journey.

7. The Know it All Traveler

The know it all traveler studies everything from the guidebooks and internet prior to travel. He/she finds great joy in asking the most in-depth questions of the guides or continually interrupts the guide with statements of “fact”. Not sure who the know it all traveller should travel with.

8. The Fancy Photographer

The fancy photography will probably have the most expensive camera (and don’t forget the lens) and take the longest to take any photograph. Other travellers are always waiting for him/her at any special sight. They also like to get out very early to “catch the light.”

9. The Constant Complainer

The constant complainer finds everything on the tour not to his/her usual standard. Usually claim to be frequent travellers and often want to “talk with a higher authority”. Probably should stay home and enjoy the things that are there!

10. The Helpless Traveler

The helpless traveler finds everything a little too much. He/she will ask the most unusual and often useless questions. Often there will be someone on the tour who takes the helpless traveller under their wings to protect them from the others.

11. The “I am looking for myself” Traveler

The “I am looking for myself” traveler is searching for something. It is something unique for each or the “I am looking for myself” travellers. Beat to let them find themselves but make sure that they get about safely.

12. The Incessant Talking Traveler

The incessant talking traveler does not leave anyone alone. They crave a discussion on almost any topic. Often they are quite interesting people but enough is enough.

13. The Travel Light Traveler

The travel light traveler needs only one cabin bag to see the world. They a proud of their achievement but their travelling companions struggle when there is no time for washing clothes. They tend to like to borrow things.

14. The Repeating Traveler

The repeating traveler goes to the same place or holiday each year. He/she can provide at least 101 reasons why you should join them. They take pride in telling you that they have seen three management changes at the hotel and the last manager was better than the current one.

15. The Exercising Traveler

Finally, the exercising traveler rises every morning to a vigorous physical workout. Only stay at hotels with gymnasium and swimming pool. Usually fussy with food and claim to eat “healthy” until the free wine is put on the table.

Whatever type of traveler you are or come into contact with – enjoy the experience and learn from them. Even the most tedious travelers will have something interesting to say.

Posted in Uncategorized | Comments Off

Fancy A Dream Home Get A Home Improvement Loan

Guess where most people spend their time well it’s their home. No wonder that people would like it to be perfect. So would most of the people as well. A perfect home depends on how an individual wants it to be. Perfection varies from individual to the other.

Most people love their home that’s why it should be perfect in fact it should be reflection of perfection. If you love your home as well than it should be as you want it to be not as it is. If that is the case with you and you want your home to be your paradise but you cannot afford it then a home improvement loan can help you in your quest.

A home improvement loan is basically a loan offered to people who want to make major or minor changes to their home. The changes can be major or minor. Examples of the changes are

o Adding or renovations of new rooms

o Central heating

o Landscaping

o Adding of luxuries like fireplaces or swimming pool

o Plumbing roofing or safety repairs

It could be a minor change or a major change which can completely turn around your home. A home improvement loan offers you an opportunity to make that improvement to turn your home into a dream home.

There are various ways by which an individual can go for a home improvement loan.

Secured home improvement loan in this loan the borrower provides a security to the borrower. The security could be any thing either a car or any other asset of the borrower.

Home equity is another type of secured home improvement loan where the security provided by the borrower can be only his home for which the loan has been taken.

Home improvement is basically an equity loan where the security is essential for the borrowing of the loan. However if the loan amount is under £10000 then an unsecured home improvement loan can be borrowed. An unsecured home improvement loan does not require the borrower to provide any kind of collateral to lender. These loans therefore carry a little higher rate of interest (about 1% Р2%) then the secured loans. This is the result of lender covering up for his risk factor. The usual interest rate is around 11.4% (variable)

Everyone in this world has home even people with bad credit history,
People like, CCJ’s, defaults, arrears, late payments or people who have previously filled for bankruptcy. A credit score is given to all UK people who have previously taken loans. A score of below 600 is the one which causes the bad credit history. A home improvement loan is now available to these people as well.

Applying for loans is easy all the people who want to get the home improvement loan need to do is go online and fill in their requirements after they have found themselves a lender. If approved they will get the loan very quickly.

There are other benefits of home improvement as well which many people do not know about.

o If you go for home improvement it increases the value of the home which helps the owners when the owner wants to sell the house. It often helps in getting a better deal for the home as a furnished home would fetch a better price then an unfurnished one.

o For most people pride is the most important thing and a dream home would be the thing that provides that pride.

o For people with bad credit history it is an opportunity to improve their credit score if they follow the repayment plan as it should be

A home can be the best place to be once you come from your work if it is properly maintained. A poorly maintained house is no good to anybody so a home improvement is an absolute necessity. A home improvement loan is designed for people who are not financially capable of going for home improvement with several benefits by keeping the borrowers financial capabilities in mind.

Posted in Uncategorized | Comments Off

Vision Management Concept

Management is termed as the process which starts from planning and moves to organizing, leading and controlling (Robbins (2008).). The management is a vast concept and can be viewed from many prospectives; the management is generally referred with Marketing Management, Financial Management, Human Resource Management and Operations Management etc.One of the traits of leaders is vision that is having a dream for future scenario; the vision statement is present at the profile of every company. It is so important for individuals, groups and corporations that the success and growth is not possible without a vision.It is important to have a vision but it is more critical to manage it. Vision management means managing the vision to achieve the desired outcome. Vision management includes all the activities of planning, organizing, leading and controlling.It is said, “Leaders do the right things and managers do the things right.” Leaders have a vision for future scenario to bring a change to improve a situation. But how a change will come? How a situation will be improved? The answers to these questions come from the concept of vision management. With vision management activities, actions are taken to move the things into favorable situations in order to achieve the vision.Let’s look at the each step in detail.VisionIt is generally said that management starts with planning (Robbins, 2008), but in real situation management starts with a vision, if there is no vision, for which the management activities will take place? It is first thing after which all other actions take place. Like in the organizations, whenever the change occurs, it comes from the top management. Through the vision of the top management and determination to manage the vision, market position of the organizations can be changed. There are lot of examples in Pakistan, like “niralla sweets”, it was started as a very small business now through the vision; it is now a million dollars business. Vision is given by leaders who want to bring change or improve the situation or change the attitude of the people. When people rather mangers have vision, they start other activities to achieve it.The vision is not always realistic; it is made realistic through vision management. ( Maaz Syed)PlanningAfter the vision, planning is done about how to achieve it, what is required to make the situation in favor, what resources are required to achieve the vision and what should be eliminated.Planning for resources is very important but it is also critical to eliminate or minimize unfavorable circumstances, because if these are not minimized, even the abundant resource will not help in achieving the favorable results. Planning includes planning of physical resources, financial resources and human resources (Robbins,2008). Planning is very important after having a vision, because if planning is dumb than all is not well; even best vision and affluent resources will not be useful if there is poor or dumb planning.Planning is very important activity and we all are involved in planning in our daily life, the planning can be short-term or long-term. In Pakistan the planning is generally not given the importance it deserves; especially in public sector because there is no vision so there is no planning.Planning is always made by keeping vision in mind, during planning there should be minimum deviation from the vision; vision should be always in mind to make the planning.OrganizingOrganizing comes next to planning. Organizing refers to organizing the physical, financial and human resources. It is very critical to make the right use of resources.Organizing is linked with vision, in vision management, organizing not just mean organizing resources it also means organizing the series of events that will direct the situation in the favor of vision.Organizing is also very important for vision management; unless resources and scenarios are not organized the vision cannot be achieved, it is the task of managers to organize and make the aisle clear without any obstruction.The vision is well-managed when every thing is organized and there is no hurdle or obstruction in the way, it does not mean that there should be no problem; it means that when there comes any problem, the managers solve the problem immediately and turn the situation in favor to carry out the vision. The independence of Pakistan in 1947 is a bright example of vision management. Quaid-i-Azam had vision and the party members (managers) helped in achieving it, the struggle for independence is a bright example of vision management. We can take this example and implement the lessons in businesses, to achieve a certain position in market, hard work, efforts, competencies, determined people and above all a vision is required.LeadingLeading comes next to organizing in vision management. Leading means leading the people i.e. make people behave and work according to the plan in order to achieve it. The concept of behavior modification is important in leading the vision.Leading the people includes changing behavior of people and make use of their knowledge, skills and abilities in order to achieve the desired outcome. The people use their knowledge and skills and work for the vision which is provided by leaders thus are very critical to vision management. It should be kept in mind that the leaders have vision, they communicate it to the people, but it is achieved by people. The people work according to plan and thus help in achieving the vision. Vision management is not possible without people and thus vision cannot be achieved without people.Leader gives directions and vision and people follow the vision to achieve the leader’s vision and goal. Even competent and most intelligent people cannot work at full capacity unless they have clear direction and a vision to follow. The example of ¬©Microsoft is an example, the company is losing its market position because of low innovation, the people are same, there working has affected the reason is that the company’s vision in obsolete now and the workforce do not have any vision to follow which has caused company to lose its market position. This shows that vision is very important for the success of the companies.ControllingControlling is considered as final activity in management (Robbins (2008.).) and thus it is final activity in vision management.In vision management just like a project, the controlling is a continuous activity and it remains throughout the process of vision management.In vision management, controlling refers to the controlling of every single step that nothing should deviate from the vision. Controlling also refers to controlling the physical resources, finance and behaviors of people so that not a single thing should deviate from the vision.Controlling is the job of leaders and the managers to whom the authority is dedicated by the leader.ConclusionVision management is thus the combination of various management activities which leads to the achievement of vision provided by leaders. Vision management is very important and present every where but it has not been given due consideration. Awareness to vision management will helps the organizations to improve their operations and working environment to better achieve the company’s vision.

Posted in Uncategorized | Comments Off