Virgin Gorda – A place for business and pleasure

Travel is one of those things that doesn’t always need to be about pure holidays, but rather a balance between relaxation, exciting things to do and work. For many of us, we know the stresses of everyday lives and jobs, but have you ever wondered what it would be like to work and holiday at the same time? Virgin Gorda in the British Virgin Islands is to me one of the ideal places to work hard and play even harder.

Imagine waking up in the morning, working for an hour on your laptop from the balcony of one of the beachfront homes in Virgin Gorda and then throwing on some shorts and heading out for a swim. Naturally you can come back refreshed and ready for a bit more work and it isn’t even 12 o’clock yet. It is often the case that in like and business that we can’t find the time to do the things that we want or go the places that we want. If you can’t travel to the beach from home, then why don’t you simply bring it to you. Virgin Gorda is truly the place for your next business vacation. Now that we have the ideas for the work component planned out, here are the amazing things that you could enjoy whilst still keeping your business or job in check.

VIRGIN GORDA SIGHTS

  • THE BATHS BEACH

Be amazed as you will be welcomed by the spectacular maze of massive granite boulders that extend into the sea. Snorkeling in the area is good and most likely you’ll see wide variety of marine life and be stunned by the lively world down under. There are also numerous restaurants that can be found in the area in case you want to grab some of the delectable cuisines the area has to offer.

  • THE BATHS NATIONAL PARK

The Baths National Park is the Virgin Gorda’s most celebrated site. The huge boulders are scattered around the beach and even in the water. Various boulders are much large than houses and form extraordinary grottoes. You can climb between the rocks and dive into the calm pools. The best time to visit the area is early morning and late afternoon if you want to avoid crowds. If you’re looking for a more secluded area and want to get away from the crowds, head to the neighboring shore northward to a much quieter bays namely the Spring Bay, Little Trunk, The Crawl, and Valley Trunk, while on the southern part, you’ll find the Devil’s Bay.

  • VIRGIN GORDA PEAK NATIONAL PARK

.Gorda’s Peak is the island’s highest point standing at 1, 359 feet. In order to reach the summit of this 265-acre park, there are two trails available. There are signs available on the North Sound Road which signifies both entrances. Approximately, it will take about 15 minutes from the entrance up to the wooden observatory tower. At the top, you’ll be astounded by the 360-degree view.

  • SPANISH TOWN

It is known as Virgin Gorda’s serene main settlement located on the island’s southern wind. The Spanish Town, also known as The Valley, is so tiny but it has some shops, marina and a couple of car rental agencies. On the northern part of the town, you’ll find the ferry. If you’re at the Virgin Gorda Yacht Harbour, you can roam around the vicinity and do a little shopping.

  • SPRING BAY BEACH

This is also listed as one of the national parks in the Virgin Gorda. It gets less crowd than the nearby popular protected area, the Baths. It has almost the same features like the huge imposing boulders that make an avenue for magnificent grottoes for swimming. It is also an excellent spot for snorkeling activity. The grounds also include swings and picnic tables.

  • COPPER MINE POINT

This copper mine point was established 400 years ago. It plays an important role in the history of Virgin Gorda. The first settler of the area are from the Cornwall, England and they initiated the construction of the mining industry which flourished in the 1800s. The operation were stopped in 1862. Here once stood a tall stone shaft and small stone structure overlooking the sea part. The route going to the ruins is not well marked. Keep in mind that you need to turn near LSL Restaurant and be mindful of the sign pointing towards your destination.

  • FALLEN JERUSALEM ISLAND AND DOG ISLANDS

You can easily reach the island by boat. It is all part of the National Parks Trust of the Virgin Islands. This area is best for exploring, snorkeling or you want to unwind or be in a solitude state. It features stunning beaches and also one of the best to discover the marine life and the colorful and lively world down under.

  • NAIL BAY BEACH

It is located on the island’s north tip. Here you’ll find three beaches that are idyllic for snorkeling. If you’re a beginner, Mountain Trunk Bay is the perfect spot for you. On the other hand, the Nail Bay and Long beach’s features coral caverns just offshore. There’s a restaurant in the area. Just walk a little uphill and is also a perfect for beach breaks.

  • SAVANNAH BAY BEACH

This secluded beach is just close to the Spanish Town. You can have the entire area all for yourself on this mile-long stretch of soft, powdery sand. Don’t forget to bring your own fins, mass and snorkeling equipment since there are no facilities in the area. The view of the area from above is surely stunning and a photographer’s delight.

 

VIRGIN GORDA SHOPPING

  • ALLAMANDA GALLERY

It showcases the tropical photography of the owner itself, Amanda Baker. It is also a perfect place to browse for cards and other souvenir items.

  • BITTER END EMPORIUM

If you’re looking for local fruits, fresh baked goods, cheeses and gourmet prepared food, this store is the place to be.

  • BUCK’S FOOD MARKET

It is the closest to a full-service supermarket in the area which offers everything from an in-store bakery to fresh fish and produces items. Buck’s food market has three branches.

  • CARIBBEAN FLAVOR

This store sells T-shirts and other vacation needs. If you’re looking for a tropical clothing in linen and other comfortable fabrics, head to Caribbean Flavor.

 

VIRGIN GORDA RESTAURANTS

  • FAT VIRGIN’S CAFÉ

This casual beachfront café offers a much straightforward menu from baby back ribs. Vegetables pasta, sandwiches and fresh fish for lunch and dinner. Try to partner your food with a good selection of Caribbean bear.

  • BATH AND TURTLE

This restaurants allows you to sit back and relax while having well-stuffed sandwiches, pasta dishes, homemade pizzas and house specialty which is the conch soup. There are performances from local musicians every Wednesday and Sunday nights.

  • HOG HEAVEN

Enjoy the stunning panoramic view as you taste the incredible BBQ ribs. It is the perfect stopover when exploring the island.

  • LSL BAKE SHOP & RESTAURANT

You’ll find this restaurant with pedestrian decor along the road to The Baths. Locals love LSL Bake Shop & Restaurant offerings. Have a banana curry shrimp with coconut milk sauce and don’t forget to try also the pork tenderloin pesto inclusive of herb potatoes and a peppercorn sauce.

  • CHEZ BAMBOO

Enjoy a bowl of lobster bisque and even one lobster curry which is one of their specialties. Some of the best-selling dessert is the chocolate cake or crème brûlée.  Stop by Friday night to enjoy live music.

The Future of Auto Insurance and What It Means for You

Car insurance, it might not be the most exciting subject but the reality is that the industry is about to undergo its most significant change since it became a requirement to drive.  This is not an exaggeration, technology is set to revolutionize can insurance and the most important question for consumers is what it means for them.

The Sharing Economy

The rise of services such as Uber and Lyft are causing a massive rethink in car ownership.  One thing that hasn’t been lost is what this means for insurance – especially as ownership rates are expected to decline.

Given that most car owners use their vehicles less than 5 percent of the time, there is something to be said for not owning a car.  Younger generations have already accepted this as fewer are getting drivers licenses.

In fact, this marks a massive shift in American culture as getting a license used to be a sign of freedom.  However, younger generations want mobility without the burdens of ownership and this shift marks a threat to the existing insurance business model – one which relies on statutory requirements to drive demand.   As such, many insurers are shifting their approach and new products such as micro-insurance and passenger insurance are beginning to appear on the market.

These products offer an alternative to cheap car insurance options which had been marketed since the mid-1990’s.  While it is too early to know if alternative auto insurance products will become the norm, there is no doubting that the products represent a reaction to the challenges presented by mobility without ownership of the sharing economy.

Demographics

10 years ago, everyone was talking about ‘The Aging Society’.  However, times have changed and the attitudes of younger drivers are impacting the industry.  It’s not just Millennials, as most of this generational cohort has already reached the age of 30.  Instead, Digital Natives, or the so-called Generation Z, are driving (pardon the pun) the change in attitude.

For this generation, car ownership is seen as more of a burden than a liberator.  This is something that was unthinkable 50 years ago and while it is still early the impact of this change in attitude is reverberating through the car industry.

As mentioned, the sharing economy has risen out of this change in attitude.  But another driver is the rise of autonomous vehicles.  While they are still in the test state, these self-driving vehicles are poised to redefine transportation.

This change will impact insurance as well.  For example, questions of ownership and liability are already being considered by automakers, insurance companies, and automakers alike.  At the heart of the matter are the decisions that drivers make every day and, by extension, who should be held liable when those decisions lead to an accident.

While assigning liability is ‘fairly’ straightforward when there is a human driving, it becomes a more complicated question when the car is driving itself – not to mention when that self-driving car isn’t even owned by any of the occupants.

As such, we are probably witnessing the beginning of a 10- to 15-year process where states experiment with changes to the laws governing the auto insurance industry.  The outcome of these changes will decide the future of the industry.

Focus on Costs

Having a car used to be considered an important part of the American Dream; however, this is changing and with the new views come to an increased focus on the cost of auto insurance.  After all, why should one be forced to pay an exorbitant amount to insure an ‘asset’ they rarely use.

The change is not all bad.  In fact, the focus on cost is beginning to drive innovative insurance products.  These include discounts for ADAS (Advanced Driver Assistance Systems), trackers and other devices.  Not only do these devices allow drivers to get discounts based on their driving behavior, they are also helping insurance companies to better define the risk in their policy portfolios.

InsuranceTech

For insurers technology is not only a threat, it is an opportunity – mainly one to improve processes and reduce costs.  While not all these cost savings are passed on to policyholders, the companies who can more aggressively reduce their overhead while providing a world-class level of customer service tend to come out the winners.

Conclusion

The market for auto insurance is changing more rapidly than it has in years.  With these changes come opportunities for consumers to save on their policies.  For some, this is by doing away with car ownership altogether, while for others it is the integration of technology to track their driving behavior.

What will come next?  It is hard to tell, but the combined rise of self-driving cars and changing demographics point to an industry that will look dramatically different in 10- to 15-years.

Get Funding with Bad Credit A pay day loan is excellent choice

Having low credit or bad credit can be a demoralizing thing. No more so than when you need that credit to secure a loan. Your credit score affects your life in a multitude of ways. Having a good credit score allows you to secure the best rates on your mortgage, your auto loans, and even when refinancing your student loans.

Most people don’t realize that having bad credit doesn’t necessarily reflect on your spending habits. Responsible people can end up with bad credit for a few surprising reasons.

  1. Using only one credit card for everything

Many people are surprised to learn that only using one credit card and using it frequently can negatively can give them a low credit score. This applies even if you pay the balance off in full each month.

While paying off you balance in full each month is something you should definitely be doing, banks also calculate your debt risk levels with something called utilization. Utilization refers to how much credit you’re using, and not the debt load you’re carrying.

For example, if you have one credit card with a $1000 limit and you use $200 of it at all times, that’s a 20% rate of utilization. A high utilization score can have a negative impact on your credit score for two reasons: it suggests that you cannot control your spending and it negatively affects your credit limit increases. This is because banks see you as using too much of your available credit to offer you more.

To prevent this, pay your credit card down more frequently, keeping the balance above zero but still quite low. You can also increase your available credit to make your utilization percentage smaller.

 

  1. Not knowing what’s on your credit score

There are many strange things that can pop up on credit reports. This is why it’s important to know what’s on your credit report by checking it at least once a year.

What’s even more important than knowing what’s on your credit score is knowing how to take action when you see something there that shouldn’t be. Reporting inaccurate information can often be done online through reputable services, or you can report the issue directly to the Consumer Financial Protection Bureau by registering the complaint online. Creditors act much quicker to remove erroneous information when the regulator is involved. 

  1. Paying collection items first

We understand, when something goes to collection the constant harassment by collectors can be downright infuriating. This is why many people pay collection items first and skip or neglect active accounts, like skipping a couple credit card payments.

The issue with this is that once something has gone to collections, the damage is done. However, your credit cards and active accounts can still damage your credit if they are neglected.

By ignoring your credit cards to pay your collection items, you may actually end up with worse credit.

Getting by when the chips are down

If you happen to be a in a tough situation and are suffering from a low credit score, you’ll still need a quick way to get money into your hands. Whether this is to cover an unexpected bill from your car breaking down, or making sure your credit cards get their minimum paid when something else goes to collections, the fastest way to do it is with a payday loan.

Payday loans are a relatively small amount of money borrowed at a high rate of interest that is meant to cover you for a short period of time. It’s important to be able to pay back your payday loan in full, otherwise you will suffer the damages of the high interest payments.