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There is no one “right” way to travel, especially when it comes to the number of partners you choose to travel with as you explore the world. Yes, if you travel with others, you should only travel with those whose presence you enjoy. And yes, I’d argue you’ll have a lot more fun by travelling with some close and adventurous friends rather than travelling through a foreign destination with a group of tourists who barely want to leave the hotel. But, assuming you make a few wise choices regarding the company you keep, there are unique benefits hidden within travelling with one person, with three people, or with a dozen people.

Not that you actually need to travel with anyone else. In fact, the intensity of travelling alone often outclasses anything you’ll experience travelling with others- intense in its highs and its lows. Intense in its connections and its loneliness. Intense in its opportunities for building confidence, and intense in its opportunities for dealing with doubt and fear. And it’s this intensity of often-conflicting experience that makes travelling alone for an extended period of time an absolute necessity for each and every one of us.

Travel is About Growth

A quick aside.

Some people may be put off by the ideal of intensity I’ve used to drum up travelling alone. I understand this. An intense experience can be uncomfortable to think about. But in reality, an intense experience is often more uncomfortable to think about than it is to actually live through. But our discomfort surrounding intensity lies at the heart of every growth opportunity we ever encounter. We grow the most when we feel most alive and when we push through vague anxieties to expand our sphere of comfortable action.

In other words you shouldn’t avoid the intense experiences and the discomfort they temporarily produce- you should run towards them. Sometimes travelling is about just enjoying yourself, but at its heart travelling the world is about running towards intensity, embracing discomfort, and expanding the world you inhabit.

So yes, the thought of travelling alone can sometimes feel scary. That’s sort of the point. Don’t use this fear as an excuse to live in a smaller world than you need to.

Others

When you travel alone your experiences will swing wildly back and forth between being deeply social and deeply lonesome. Often the tone of your experiences changes overnight. One night you meet some new friends you spend hours and hours with as you talk, as you explore, as you bare your souls- as you get drunk together and dance together and as you wander foreign streets late at night together, invincible in the moment. The next day they leave and so does the last person you know in your current location and you’re alone again. In that moment you can be active and reach out and meet others, but you’ll feel shocked how often, in that moment, you’d rather spend your time totally alone.

Through expat bars and hostels and alternative tours, travelling provides you with a never-ending opportunity to meet new people. When you travel by yourself you’ll only ever be as alone as you want to be. You’ll be able to meet others without preconceptions, without strings attached, without checking in to see if everything’s cool with your friends and without worry what others will think about the relationships you build and leave behind. When it comes down to it travelling by yourself provides you with social freedom you could never experience back home or travelling with others.

And that includes the freedom to truly be by yourself. The relief of occasionally spending a day on your own when you’re back home does not, and cannot, compare with the depth of the solitude you will experience when you are alone for hours, days, or weeks at a time in cities, countries and cultures far from your everyday experience. These silent, lonely moments will make you feel so many things, they will give you the time to process and to question and to answer, it’s in those moments of total separation from everything and everyone related to home that you can gain the most perspective on your life and make the hard decisions about who you are, what you want, and how you’re going to get there- decisions you just can’t make when you’re grasping on to even the slightest thread of connection to the life you used to know.

Yourself

I hope I don’t sound like I’m bearing down negatively on others. So many of your opportunities for some semblance of enlightenment will come to you in the company of others. We are intensely, and intrinsically, social creatures. As E.E. Cummings said, “We are for each other,” and every nugget of insight you learn as you travel by yourself exists for the sole purpose of helping you better serve the world and the others who live in it. I’m merely suggesting there are benefits and insights out there in the wild you can only gain when you disconnect completely in the way you only can when you vacate normal life and search for something else on your own.

If you need any greater indication that humans are truly social in nature consider the powerful feelings of doubt and fear you’ll feel when you cut yourself off from others. Even thinking about travelling alone you’re probably thinking that it isn’t something you could ever do. When you leave home on your own you will feel incredibly scared of what you’ll find way out there and whether you’ll be able to handle it. Travelling alone you will repeatedly question pretty much everything about yourself and whether you can even survive, in a basic mental and emotional sense, without continuous close contact with others.

And moving through these cycles of fear and doubt you will learn something- that you can handle it. You cannot only survive but you can thrive. You learn how tough you really are, how little you really need, and with that knowledge of your own inherent indestructibility and with that understanding that life can be great even if you lose everything, you will gain the confidence and courage to actually act on the dangerous insights you accumulate while you travel. Travelling alone not only lets you see what difficult choices you need to make when you return back home, travelling alone lets you know you’re strong enough to risk it all and act on them. Travelling alone makes you both a wiser and a stronger person in a way travelling with others never, ever could.

Yes, travelling alone is more difficult than travelling with others, but at times, especially during those times when you don’t know what to do with yourself or your life, travelling alone becomes absolutely necessary.

 

Many people enjoy travelling and will always do so at any available opportunity. Some people travel often because it is part of their job requirements. There are those who rarely travel but will gladly do so once in awhile especially during vacations. When leaving your home for a night or more, it is always very important to take along with you everything you need to make yourself as comfortable as possible for the period you are away from home. Also take with you everything you need to fulfill the purpose of your travel, such as things you may need if you are on official/ business trips. If you forget something you would have taken for your travel, it may not only frustrate you but also sour your spirit, You may even incur extra expenses because you may be forced to buy something you would otherwise not have bought. So it is important you plan ahead and decide what you need for your journey and what kind of suitcase or luggage bag will be most suitable for your journey. What you may need for your journey and the type of travel bag you will need depends on the length of time you will be away from home and also the mode of your travel. What you may need for a business trip will be different from your needs when going for a vacation. When you have made a good mental recollection of what you need for your travel and your mode of travel (travel by air or drive yourself to your destination), you then have to decide on the type of travel bag to pack your things in. You have to choose the type of suitcase or travel/ luggage bag that will give you the greatest flexibility and allows you to travel light.

Traveling With Luggage Bags /Garment Bags for Official/ Business Trips

Most people prefer to fly if they are travelling for official or business purposes such as attending business meetings or going for conferences. In this case you may be spending a night or two away from home, then your best choice of travel bag may be a carry-on bag with wheels or a messenger bag. The messenger bags and rolling bags are available in many sizes ranging from 13″ to 21″. Each of these travel bags lets you travel light because you can fit your computer into your travel bag. The unique design of each bag allows you to comfortably store your notebook/iPad in addition to clothing and personal accessories in the same bag. Each bag has special overnight luggage section that provides enough room for the clothes you need while on your journey. Each bag is perfect for short official/business trips. Each type of carry-on case has all necessary notebook case features including a zip-down workstation with storage for your mobile accessories, pen loops, key clip and business card holder. The rolling carry-on bags have smooth-rolling wheels and telescoping handle that makes the rolling case a perfect companion for the businessperson on the go.

Some people may prefer to travel with a garment bag, computer /notebook carrying case or a multipurpose handbag (for women). The garment bag is great for protecting clothes while traveling. The clothes stay neat and wrinkle free. The garment bag has multiple pockets and can hold up to 4 garments. It has four interior pockets that provide enough room for shoes and accessories like cosmetic/makeup bags, toiletry bags and curling hot iron cases. It also has one exterior pocket where you can put the book you want to read on the plane or any other thing you want to be handy while you are on the plane. This garment bag is very stylish, lightweight and durable. It has full-length center zipper that gives you easy access to the inside. It also has full exterior zipper closure that ensures that everything inside the bag is secured. When you have packed everything you want inside the bag, you can fold the garment bag into two. The bi-fold bag has two handles that makes it easy to carry. It also has a metal hanging hook that allows you to hang it on a wall. You can then use your multi-purpose handbag or computer/notebook carrying case to carry your computer/iPad.

Some other travelers may prefer to travel with an overnight bag. The overnight bag has zippered main closure with three zippered side pockets and two Velcro end pockets. It has adjustable shoulder strap and carrying handle. It also has a black linen inside lining that makes it great for wiping out and keeping clean.

Travel Accessories- Snoozer – Travel Neck Pillow / Blanket in Velura

Beside the travel/ luggage bags that you need to pack everything you need for your journey, you may consider other travel accessories such as a luxurious Velura covered neck rest that not only carries a soft, easy care Velura 40″ x 60″ blanket inside, but also has an inflatable pillow that allows you to enjoy a warm and comfortable trip. The PVC inflatable pillow is easy to inflate and deflate and the blanket is so soft that it easily folds back into the pillow cover. This snoozer-travel neck pillow/blanket in Velura is a compact, easy to carry travel item that you can use to provide comfort for yourself on any journey. This travel accessory is ideal for business or recreational travelers.

What You May Need When going on Family Vacation

Many families choose to travel by road when on a family vacation; Travelling together in a car is part of the close family experience that every family cherishes and long for every year. Preparing for this long travelling experience for the families can be a sweet challenge for parents, especially when the journey involves very young kids. The thought of how to keep them engaged and entertained all through the long journey can also be daunting.

It is no brainer to say that you need suitcases to pack the family’s clothing and needs while on vacation, The challenge is what type of suitcases do you need. Do you need a suitcase for everyone in the family or do you need to put everyone’s clothing in a common suitcase? Depending on the number in the family and the ages of the kids, you may have a common suitcase for clothing and another for other accessories. Alternatively, each kid can pack his/her accessories in his/her backpack, while you have a common suitcase for everyone. In another arrangement, you can let everyone in the family use a garment bag to pack both his/her clothing and accessories. This is one of the “sweet-bitter” choices parents have to make.

Use A Thermal Cooler Bag to Pack Enough Cold Drinks For Everyone While On The Journey

Depending on the length of the journey you might want to travel with enough cold drinks packed in a thermal cooler bag. The thermal lining of the cooler bags prevents the drinks from absorbing heat as such the drinks will remain cold for a very long time. The idea is for you not to stop to buy cold drinks each time any member of the family wants something cold to drink. Having sufficient cold drinks handy when you need them gives you enough driving time and also lets you stop only when you need to break the journey for any other thing other than just buying some cold drinks.

Make Your Kids Comfortable With Kids’ Travel Accessories

Besides having enough drinks handy for anyone who needs it during the journey, it can also be a challenge to keep the kids comfortable during a very long journey. You can keep your kids comfortable all through the journey by allowing them to use kids’ travel accessories such as travel buddies. Kids’ travel buddies are ultra soft neck pillows that allow kids to snuggle with their buddy while “visiting the land of dreams!” These buddies that are available in different animal characters are perfect for strollers, cars and any other place kids drop off to sleep.

Scosche backSTAGE pro II Vehicle Mount for Tablet PC

Apart from providing cold drinks for your kids when they need them and making them (kids) comfortable while they sleep during the journey, keeping the kids engaged during the course of the journey is another challenge. Some parents allow the children to read their books during the journey, and play their video games when they are tired of reading. These are good ways to keep your kids engaged. Another way is to have them watch videos/movies on iPad while you drive. In this instance, backSTAGE pro II is very suitable. Use the backSTAGE pro II to securely and rugged mount your iPad 2 to the back of any headrest so that your children can enjoy hands free viewing of movies, apps, games while you drive. This device is ideal to keep your family entertained with ease when you are on a long journey. The backstage pro II has a charger that plugs directly into the headrest mount and provides a continuous charge to your iPad 2. It has wireless IR headphones for private listening and a USB port that supports flash drive use for viewing images.

These are some of the things you need to consider when preparing for a business trip or family vacation, to ensure that you have the most comfortable journey whether you travel by air or travel by road with your family on a vacation.

 

While most of us enjoy holidays and traveling, many find the associated travel anxiety tough to bear. Travel anxiety isn’t a disease but it is rather the fear of the unknown. Fear of travel is usually caused by several factors. Some people may worry about their house and pets when they are away while others might have had unpleasant traveling experiences during their previous trips. Others are afraid of flying. Some fret that the trip will turn out to be a disaster and worry about all of the details. All of these are examples of worries related to travel that can lead to varying degrees of uneasiness. Regardless of the causes or intensity of your anxiety, it can really compromise the pleasure and excitement of your trip.

Although, travel anxiety is common in both experienced and novice travelers, most travelers have positive traveling stories to tell. Probably, they learned how to manage their anxieties and have regained the joy of travel. It is not too late; you can also overcome travel anxiety by following a little advice. The following 5 tips to stop travel anxiety could prove invaluable to you in planning your next holiday.

5 Tips to Stop Travel Anxiety

1. Spend time making Preparations Prior To Your Trip

From past experiences, to think of the details and annoyances that bothers you about traveling. For example, you think that your house will be in a mess once you step out of the door hire a house cleaner to clean your home prior to your return. If flight travels frightens you, you can equip yourself with your iPod or your favorite book to keep you busy while you’re traveling. Simply make a list of those things you think you’ll require in your trip and those things you won’t want to be left running while you are away. The time spent organizing, planning and taking care of all the details well in advance will help to stop travel anxiety.

2. Don’t Procrastinate

Some people are well aware of their travel anxieties and they’ll often avoid taking care of the details; eg. booking a ticket, packing, etc. They will make excuses, avoid and procrastinate due to previous poor experiences with traveling. Just because you have travel anxiety doesn’t mean that avoidance will eradicate your fears. If you really want to take control over travel anxiety, get yourself involved in the action by preparing early and taking care of all necessary details. Keep in mind, travel fears are just made up fears and they are never real.

3. Learn How to Cope Up With Flight Phobia

For those people who worry about flying, you may wan to dig a little deeper to find the root of this fear. Get to know exactly what frightens you. Are you are acrophobic or claustrophobic? Perhaps the mechanical sounds bother you or air turbulence puts the fright into you. All of these fears are irrational meaning you can counter them with rationality. Airlines have strict safety measures on board. Once you are aboard, try to listen to attendant instructions to calm your nerves. Also, use anything that you like such as music to disrupt your thoughts while you are traveling.

4. Meditate

To effectively manage their travel anxiety, many individuals use meditation to gain control. Meditation makes use of a kind of self-hypnosis, so you can calm your nerves and mind down. Various self-hypnosis scripts designed specifically to ease travel anxiety can be found online. Meditate on these scripts and your mind will be at ease during your time of travel. The scripts are great tools of converting people’s subconscious minds into a friend rather than a foe. Instead of having a subconscious mind that is deep-seated in travel anxiety, you’ll have a subconscious mind that is confident and not frightened of flights.

5. Get rid of the Unknowns

Illuminate your travel shadows by doing a research prior to your trip of things you’ll expect to encounter once you’re at your destination. Apart from visiting various travel blogs, you can also use travel guides to become well-informed with your destination point. Go online and checkout your accommodation so you will know what to expect. Have your looked into travel from the airport to the hotel? What about meals and special dietary requirements? The little unknowns add up and will add to your travel anxiety.

Besides the 5 tips to strop travel anxiety strategies listed above also ensure that you maintain proper communication using Facebook, MySpace, etc. Keeping the communication channels open with loved ones back home will keep you connected.

Observing the 5 tips listed above is a great way to start you on the path of happy travels. Best of luck!

 

There are two levels of answers to the question of why people travel. The first is the obvious one, and probably the reason we give ourselves and quote to others. We travel so that we can see sights, experience other cultures, attend events and learn more about the world.

These are exciting reasons. But there are deeper reasons for traveling that have less to do with what we do when we travel, and more to do with what traveling does to us. These five sets of changes to ourselves are at the heart of what makes travel so compelling.

Travel Enriches You, Before, During & After

The anticipation of a trip is almost as stimulating as the trip itself and the memories afterwards. Knowing what you have ahead, and imagining it in detail, lends excitement to life, and relieves the tendency to fall into a workaday rut. The more detailed the image of the trip, the more a future trip will excite you in advance.

During the trip itself, daily life can be intense. Living in these moments fully, and noting everything around you, makes for heightened living. Clearly, this kind of intensified experience is a quality of a style of travel that takes you beyond the bus and out into the streets and squares, landscapes and waterways, of the places you are visiting. Independent travel is a world apart from “contained” travel.

Travel Broadens Your View of the World

Through travel you gain a framework for the history and significant touchstones that brought you to your current life and point in time. Now you are standing in the evil Borgia pope’s office, surrounded by the very walls that contained the man with sufficient power to write a Papal Bull-a mandate-that claimed all the wealth of the Western Hemisphere for Spain and Portugal, and secured it for the next 200 years. As you pause in the spot where that happened, the events and significance come alive with new meaning.

Now you are looking down at the stairs that lead to a tunnel connecting the home of Leonardo da Vinci with the royal palace across street. It was through this tunnel that King Françoise traveled to sit and talk with his genius friend. And now you are in Bayeux, where the French William the Conqueror built his naval vessels to cross the English Channel and claim the throne of England.

Each of these experiences broadens your view of the world and your firsthand sense of time and place.

Travel Makes You More Vibrant and Interesting

Travel gives you something to look forward to… to prepare for… to study for… and later to share. You will bring home stories. Life can get somewhat monotonous if you let it, particularly after you retire and your work life ends. Anticipation is worth at least as much as the trip itself and the memories that follow the trip.

How much better to have travel stories and observations to share then to have your conversation limited to your latest doctor visits and your frustrations with the weeds in your lawn.

Travel Re-Energizes You

Travel, and the anticipation of travel, recaptures your enthusiasm. You look ahead with excitement instead of experiencing the dulled-over feeling that comes from repetition and routine.

Travel challenges you to be at your most effective and focused level. Comfort zones may be comfortable. But it is good for you to be taken out of your comfort zones regularly. Otherwise, your social skills can begin to atrophy, and your ability to think on your feet and solve problems may decrease due to disuse.

Travel Improves Your Health and Well-Being

Travel gives you a reason to stay healthy. And it keeps you sharp longer! The challenges of travel test your acuity on a daily basis. Travel can be demanding, especially if you are not being “led around by the nose” on a group trip. You know you will need to be on your toes – to be situationally aware – to pay close attention. You will need to walk extensively, including up and down hills and stairs.

Generally by the time you return home from a trip, you will be in better shape than you have been for months, or even years. And if you begin immediately to anticipate another trip ahead, you will have a genuine incentive to keep up these improvements and be ready for the next time.

Changes and Benefits

These changes and benefits to you from travel can become permanent ones. Your life will become punctuated with enrichment, you will think more broadly. You will find yourself incorporating deliberate lifestyle changes learned during travel. You will be more vibrant and interesting as you are periodically re-energized. And you will experience enhanced health and well-being.

All things considered, this makes travel a bargain.

 

Travelling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to travelling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The euphoria to travel outside of one’s domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.

A lot of people will do anything and everything just to actualise their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Travelling, especially international travels, is a form of education for the travellers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even marital opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travellers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they don’t take any steps towards mitigating such risks.

At this juncture, you may be tempted to ask the question: “What are those risks that are associated with international travels?” Very good question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As interesting, fun, enjoyable, profitable and educative as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travellers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as “travel health insurance” or “travel medical insurance”.

These international travel risks are many and varied, and they include, but not limited to:

• Sudden illness in the country of destination requiring urgent medical attention and/or hospitalization.
• Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
• Loss of checked-in baggage
• Loss of valuable items such as international passport, drivers’ licence, national identity card, etc.
• Personal liabilities abroad
• Emergency dental cases
• Hijacking
• Arrest by law enforcement agencies requiring bail and legal defence

Another question that may be asked at this juncture is: “Do travel insurance policies cover all the above-mentioned risks?” And the answer is a big YES, and so much more.

Covers and Benefits Provided by Major Travel Insurance Policies

Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.

• Medical Expenses and hospitalization abroad
• Emergency Medical Evacuation
• Repatriation after treatment
• Emergency dental care
• Repatriation of family member travelling with the insured
• Travel of one Immediate Family Member
• Emergency Return Home following Death of Close Relative
• Repatriation of Mortal Remains
• Medical Assistance
• Legal Assistance
• Pre-Departure Services
• International General Assistance
• Abroad Information Assistance about lost Luggage and Passport,
• Delivery of Medicines
• Legal Defence
• Advance of Bail Bond
• Hijacking in means of Public Transport
• Loss of Passport, driving license, national identity card abroad
• Compensation for in-flight loss of checked-in baggage
• Compensation for delay in the arrival of luggage
• Delayed Departure
• Location and forwarding of baggage and personal effects.
• Accidental Death
• Permanent Disability
• Personal Civil Liability
• Trip Cancellation Expenses

Risks Not Covered By Travel Insurance Policies

Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

• Participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
• Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
• Events arising from terrorism, mutiny or crowd disturbances;
• Events or actions of the Armed Forces or Security Forces in peacetime;
• Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
• Participation in bets, challenges or brawls, save in the case of legitimate defence or necessity;
• Pre-existing Illness or injuries
• Participation in competitions, sports, and preparatory or training tests;
• Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
• Participation in competitions or tournaments organised by sporting federations or similar organisations.
• Hazardous winter and/or summer sports such as skiing and/or similar sports.
• Work-related accidents
• Internationally and locally recognized epidemics.
• Illnesses or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy;
• Death or injuries as a result of suicide or attempted suicide or any self-inflicted injuries.
• Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance;
• Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;

Where to Buy Travel Insurances

Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.

Using Your Travel Insurance

After you have bought your travel insurance policy, whether it is self-purchased using the provider’s online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while travelling. This is so important because you may be required to produce that document by relevant bodies.

You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.

Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company’s telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.

You should endeavour to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices.

Summary and Conclusion

There are other benefits that travel insurance policies provide which cannot be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are enormous.