Wetsuits and wildlife: Diving Around the World

Wetsuits and wildlife: Diving Around the World

Thanks to the ever-expanding technology, we know more about the underwater world than ever before. The beautifully rotated fish hovered on our screen in this amazing Sunday documentary. However, if watching from the couch is not your jam, wrap your wetsuit and remove the dive insurance as it is time to uncover what the sea and sea should offer – first hand.
Chills and Thrills in Norway

Wetsuits and wildlife: Diving Around the World

When people imagine their diving vacations are typically turquoise, sun-fired seas, but true explorers know that the high seas have a lot to offer.

Imagine: a sleek black shape flashing beneath you, blinking white caught your attention and you glimpsed the iconic and pointed fins of it. A sensation of terror flows through you – this is a killer whale. Known to prey on seals, dolphins, and sometimes even adult whales, fortunately these beasts are not interested in humans. What will you do to swim with the undisputed king of the sea? If the answer is “anything,” take a decent wetsuit and go to the frozen beaches in Norway – where hundreds of killer whales are hunting.

Ma Tai Anyone?

If plunging into ice water is not for you then head to the warm Hawaiian beach. Here you will find an equally interesting example of marine life – the spectacular manta ray!

The typical form of this ray is well known by nature lovers. However, until you get up close and personal, it’s hard to understand their size. At Garden Eel Cove, Hawaii you get a chance to do just that. At dusk, a powerful light box is placed in the water, pulling plankton and providing an all-you-can-eat buffet for hungry manta rays. So close you can touch them, you will experience manta rays in a unique way. And you’ll have time to enjoy the celebration cocktail later! Wetsuits and wildlife: Diving Around the World

Hissy Matches in Brazil

Whether we’re afraid of them or have three pets, the creeping and silent snakes are unbelievably dazzling.

Safe to say, this holiday advice may not be for those who are struggling to watch the snake scene in Harry Potter without closing their eyes. However, if you’re fearless type I can not recommend this Brazilian trip enough. Beautiful green anaconda can be found hiding in the wetlands of the Bonito region and, believe me, is a nightmare. Ginormous anaconda can grow up to 20ft! Do not you want to touch it?

What Great Teeth You Have Pak Wolf!

Living with serpentine creatures, Wolf Eel makes her home in the oceans of British Columbia. This cute wolf fish can grow easily up to 10 feet but see if you can see the young – the striking color.

The name of Wolf Eel must be taken seriously: the inhabitants of this oceans have sharp teeth and are known to give humans a painful bite! However, they are rarely aggressive and you will soon feel strange with these ugly people.

If, like me, you want to experience as much as the world, do not forget to take the right insurance to keep you protected wherever you go. Let’s Go Insure diving insurance is ideal for travel as you spend more time under the waves than relaxing on the sun loungers!

Ethan Bailey is an experienced adventure traveler and insurance expert with Let’s Go Insure team. Ethan’s spirit is to inspire his clients to go further, deeper and higher on their journey and his expertise in providing ideal insurance allows them to do just that. If you’re looking for the best diving insurance Let’s Go works with the most experienced underwriters, intermediaries, and insurance to offer competitive insurance without sacrificing protection.

How to Shop for Auto Insurance

How to Shop for Auto Insurance

When you set out to buy a car, you usually take the time to consider your needs and budget. The same consideration is just as important when shopping for car insurance. We were flooded with car insurance ads every day; It’s hard to know which one is best for you and your family. Start your search by finding out your state insurance requirements, which can range between $ 40,000 to $ 100,000 per accident. Choosing the amount of coverage you need is the most important factor. Once you decide on the type of coverage you need, you can easily compare policies online to find an agency that offers affordable car insurance in West Palm Beach, or in your area.

Three Types of Auto Insurance

Insurance coverage is the cheapest option and usually includes damage caused by an accident. It is designed to treat damage to other cars or injuries to persons involved in an accident; It usually does not cover damage to you or your vehicle.
Collision insurance covers the required repairs after the accident. To ensure your repair costs will be taken care of, get a list of approved workshops from your agency.
Comprehensive coverage pays for damage due to theft, floods, vandalism, and damage caused by events other than collisions. Some comprehensive plans also include damage caused by uninsured drivers.

How to Shop for Auto Insurance

If you have taken a loan in your car, your lender may have rules about what kind of coverage you need; most lenders require comprehensive coverage. If you own your car directly, you can decide which type of coverage is best for you, as long as you comply with state laws.

Tips on Choosing the Best Car Insurance

Whether you purchased the first auto insurance policy or reviewed your current policy, take the time to compare multiple agencies. We recommend checking your rates every year. You can choose to get a personalized quotation from an agent, or save time using an online comparison tool.
Choose an insurance agent with good ratings. If you are dealing with a reputable company, they will most likely send online customer reviews. Find comments regarding claims, payments, and customer service. Another great resource is the insurance department in your state. Most countries publish a report stating how many complaints a car insurance company receives.
Choosing the right deductible can save you money. A higher reduction will reduce your overall premium, but it will cost you more if you have an accident. A lower reduction means less than a pocket at the time of the accident, but a higher premium along the way. If you have a good driving record and have no accidents in your records, you may want to consider a higher deductible.
Taking advantage of all possible discounts is the best way to make car insurance more affordable. Most insurance companies offer discounts for older drivers, married drivers, and safe driving records. You can also save money by purchasing a car with anti-theft protection and anti-lock brake system. You may be offered a discount to bundle your car and home insurance; However, you should check shared and separate costs before making a decision.
Ask which insurance company they offer for future savings. Some companies have programs that reduce your deductibles for safe driving every year, or you may have the option of keeping your deductible the same after your first accident. How to Shop for Auto Insurance
In the past, most people bought car insurance from agents; there are now companies that allow you to buy insurance by phone or online. Most major insurance companies still rely on local agents to take care of their customers. Your agent can help you find affordable car insurance in West Palm Beach, or in your area. How to Shop for Auto Insurance

Private Tours from Falmouth Cruise Port, Jamaica

Private Tours from Falmouth Cruise Port, Jamaica

Private tours from Falmouth Jamaica is the best way of enjoying your short sojourn on the island. Falmouth located between the famous resort towns of Montego Bay and Ocho Rios is strategically placed. The port of Falmouth was developed by Royal Caribbean Cruise Line in conjunction with the Government of Jamaica.
Founded in 1769, Falmouth has a colorful history. It was the first town in the western hemisphere to have piped water, and had the busiest port in Jamaica during the late 1800s to early 1900s.

 

If you will be arriving on a cruise at Falmouth, you are in a great position to choose from any of the many excursions available. Ocho Rios which is just 60 minutes east of the port is home to some of the best tourist attractions on the island. Excursions such as the Dunn’s River, Blue Hole Secret Falls, horse-back ride and swim and river tubing are just few.

Dunn’s River is the premier tourist attractions in Jamaica and it is one of those places that everyone should do at least once. Blue Hole on the other hand is another water falls but offer a totally different experience which most conclude to be better than the Dunns. Another great river activity is river tubing on the White River with water swift enough to give a bit of Adrenalin rush.

Montego Bay on the other side of the port is just 30 minutes away. Excursions such as Rose Hall Great House, Golfing on any of the many courses, shopping, Rockland Bird Sanctuary among other things. This is a once in a life time experience where one can hand feed humming birds that live in the wild.

Private Falmouth transportation to your favorite attractions is the way to go. In order to fully immerse in the culture one has to be able to control your times and this is what you get with a Private Falmouth Tours. Certainly there are organized shared service available from the cruise lines. However, I’m sure that you would agree that private tours with a local as the potential to be the much better than the cookie cutter type.

Pre-booked your private Shore Excursions and get the best out of your day. Plan well and save both time and money. Jamaica has something for everyone including you.

Great news for the Galapagos Penguin

Great news for the Galapagos Penguin

The Galapagos Islands wildlife has fascinated us ever since the naturalist Charles Darwin brought them to the attention of the world through his remarkable journey of discovery in the early 1800s. His research in the archipelago forms the basis of what has become his revolutionary theory of natural election.
In subsequent years, this offshore island group of Ecuador has become a popular place for ecotourism. There are several places on Earth that offer such insights into our natural world intrigue and, for wildlife enthusiasts, the Galapagos vacation can be one of their most memorable life experiences. Great news for the Galapagos Penguin

Among the unique endemic species, the rare and endangered Galapagos Penguin is one of the most sought-after sightings. By 2017, after decades of declining population, researchers have seen a spurt in bird growth, and there appears to be some good news for the most endangered penguin species on the planet – and that’s also good news for wildlife lovers who visit the Galapagos holiday area. Great news for the Galapagos Penguin

A bonanza breeding

The reason for buying gold recently did not result in an overnight success. Many bird nests that have been used for the last 40 years have been destroyed by floods or followed by the Sea Iguanas. So, in 2010, a team of researchers from the University of Washington began working on a project that included the construction of 120 artificial penguin nests, with the goal of providing as many opportunities as possible to breed for the species.

The nest is made by digging the tunnel into the lava landscape, or by lava plate accumulation. The nest has been dubbed “penguin condo” and has been built on three island islands: Isabela, Bartolomé and Fernandina. The aim of the researcher is to ensure that when food availability is abundant (when the breeding is most likely to occur), the birds have access to a safe nest to protect their eggs and keep them cool.

The nest is monitored twice a year and in the last visit by researchers, the number of teenage penguins is more visible – and, in fact, they account for about 45% of the total population.

Current events

The increase in breeding is directly correlated with La Niña weather events, which bring rich and nutrient rich flows into the seas around the archipelago. In recent years the El Niño event (which brought the current slower and warmer, created a scarcity of food sources), consequently for the penguin population has been devastating. It is estimated that there are less than half of these days as in the 1979-73 and 1982-83 pre-El Niño years. Great news for the Galapagos Penguin

By providing a means for species to utilize favorable nesting conditions, artificial nests have played an important role in the regeneration of this population. In the hope of another La Niña in the spring of 2018, it is hoped that this breeding crush will continue and increase further. The Galapagos Conservancy has supported this program since 2013, and the body recognizes the valuable work of this dedicated group of researchers. Their long-term goal is to increase the population to a certain point so as to survive the adverse climate fluctuations, and representatives will return to the islands in February 2018 to examine the nest and share their findings.

A privilege of experience

For wildlife enthusiasts who visit the region on the Galapagos holidays, it is still a privilege and an unforgettable experience to see species in their natural habitat. In the coming years, the population can regain its prevalence over the last few decades – proving that in some cases, human intervention can be positive rather than harm world wildlife.

Great news for the Galapagos Penguin

 

Master the art of travel photography

Master the art of travel photography

Taking photos while on vacation is not an unusual activity. Tourists do it all the time to remind themselves of the wonderful moments spent there, but if you want to do more, you should try travel photography. This will require some exercise to master and you may have to go to a photography class to be really great at it, but the results are not in vain. Not only will you capture the beauty of the places you see in more detail, but also develop new fun hobbies. Here are some tips that can help you along the way.
First of all, there are equipment problems. Of course, most people believe that the higher end of your camera, the better the photo will change, but it is only valid to some extent. DSLRL camera quality is superior to pocket camera and smartphone, but only if you know how to adjust the settings. To learn this, you can go to NYC photography class and you can find out all about aperture, exposure, lighting and framing. However, if you do not have a budget, iPhone camera can also be very useful. Their quality has improved greatly and you can capture stunning frames without having to travel with a large camera.

Master the art of travel photography

Secondly, you need to do some previous research and find the best photo spots. Be open to suggestions and think outside the box. Take the “traditional” shorts, but go off the beaten path as well. Try to understand what makes each location unique to you and experiment with your location, angle, and subject. Your photos do not have to look like travel cards. Instead, you can capture the beauty of a place by capturing unusual angles and subjects. For example, if you go to a crowded city, do not just take pictures of skyscrapers; try street photography or take pictures at night, when the city reveals a new face. To get used to all the travel photography techniques, you should go to a photography course. Most major cities offer it, so you can find photography courses of Montreal, New York, Paris and many others. Master the art of travel photography

Third, you must be patient and persistent. Do not just photograph the building on leave. Immediate shots are great if you plan on photographing human subjects, but when working with landscapes you have to take some pictures until you find the right frames and lighting. For best results, return to the same place several times a day for several days in a row. In addition to finding locations from multiple perspectives, you may find something unique when you wait: a bird flies across an old temple, a mother and baby passing by, or just the sun that reveals the beautiful colors on the roof. Last but not least, do not forget that exercise makes perfect. Take as many photos as possible and do not be disappointed if your first trip photos are not National Geographic material, as they will get better over time.

Packing Tips for Travel Worldwide

Packing Tips for Travel Worldwide

You are leaving weeks of exciting and round-world adventure and no doubt everything you’ve done over the last few months has continued to this day. You’ve updated your passport, purchased your flight tickets, booked accommodation in different cities, bought annual travel insurance and you’re now ready to start packing for this long-awaited adventure!
Not sure where to start? We’ve covered some practical tips when you start packing for your trip.

Packing Tips for Travel Worldwide

Luggage or backpack

While the debate continues over whether a suitcase or rucksack is best on a round-the-world trip, we believe hybrids are ideal. You want a double-wheeled bag as a backpack for mobility and maximum comfort. You never know when you have to run to catch a train or bus that goes to the next destination, and have a bag that you can steer or ride comfortably will make it much easier. In addition, choosing a cloth bag because of the difficult problem favored because it allows your goods into the storage more easily.

Less is more Packing Tips for Travel Worldwide

When you have to decide what to take with you, there are items that are not appropriate for negotiations, such as passports, money, credit cards, and annual travel insurance information, as well as special items such as prescription eyeglasses. But when it comes to packing clothes, shoes, toiletries and equipment, remember less always more, and more stuff can be bought on the road if needed.

In fact, packing for any climate and situation you might face on your journey is almost impossible! We recommend three out of each clothing category: three pairs of pants, three shirts, three pairs of socks, three pairs of shoes – you get the idea. Remember that you will be able to wash your clothes on the go – a good bonus for packing light.

Try choosing pieces that can be mixed and matched and made from a cloth that dries quickly. If you have items that can serve a dual purpose, such as women’s sarongs that can be used as beach towels, skirts, shirts and scarves, the better! If you are not sure about the item, choose not to pick it up. Wear minimal toiletries, as these items will weigh you and can be purchased overseas, as per your requirements.

Get Packing

Save space in your bag by rolling clothes instead of folding and stacking. Pack socks and underwear shoes and the contents of every possible cavity. Wear large items on the plane, such as hiking boots or winter jackets, to save space in your luggage. Place all essential items, such as passports, money, annual travel insurance information and electronic goods in a safe and accessible place close to you. As an additional security measure, take a photo of your document and take a photocopy in a different place than the original.

Getting your stuff together for a trip around the world does not have to be a chore! Light and smart packing will go a long way in ensuring you have everything you need to make this trip an experience of a lifetime.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.

Find Reputable Cash for Home Property Buyers

Find Reputable Cash for Home Property Buyers

To be honest, almost all individuals are when having to buy big tickets like a house that is really dubious. There are many people who speculate to buy a house that is free from money down, because it takes time and difficult process. Discussing your home in such a press with family and friends will most likely make you fast becoming a customer.
No different from other deals, choose a new customer (also no different from other purchases), then wait for the final when the last dealer handles something else. Commercial properties provide income for the long term. Industrial properties offer ties and stocks. Commercial properties include weak diversity. Industrial variations remain a fantastic inventory by appearing as long-distance revenue and diversity. This is a higher turnover deal. You own a house that you are considering buying in warzone.

Home is not a useless cost; But it’s not really an incredible resource that lets you get something in the future. If you are planning on buying a house for $ 200,000, you may need a mortgage to get a purchase. Find Reputable Cash for Home Property Buyers

The best thing is the fact that home made is determined by the ideas and explanations you want. So, you can choose the perfect house there are many nice homes available on the market. You will likely be expelled from your own home when you receive your home, as long as you have to pay rent and sometimes even trouble. Remember who is just looking for a house. Realize that if you replace a home with a profit, you tend to provide and buy a slum. You realize how simple it is to buy a house with money. This is a less complicated method because you will be using the kind of supplies you need as well as ready to be part of your home search process.

You are likely to have the ability to identify funded sellers offering this mode. Then there are not some simple steps associated with purchasing property with the money you need to check to get your dream home in that case. Although a short sale can negatively change the credit rating of this home promotion, sometimes it’s a great way for everyone who tries to get home to get home your wishes and save a lot of money just a little. There’s often something quick “about this, although it can be called a short purchase.For anyone considering to invest in a short home purchase, you have to make sure that the bank approves it.

Customers may have the traits they desperately need to actually find. It is difficult to find a home customer in an insufficient market situation. Regardless of how you find your vendor, it’s usually stress that you want to help them. Must promote your home quickly? We buy a house for cash.

The big gain in the rise in commercial properties is the result of the remarkable results provided by commercial properties. There may be an undesirable local economy because you can buy cheap homes in some areas o f the country. This is a tough market, as well as the profits that individuals show for property.

Many resources from commercial investment houses tend to change. Some say it is an amazing method to generate profits quickly. Remember that you will not spend much money from your own publishing. Obviously, you can not make important changes to it and earn revenue if you do not get a home for a minimum price.

That will cost you an excellent energy-friendly device to get a house around it. If you have to be a new brand in many agents, this area and sometimes even developers together by assessing the cost of getting your personal home. Bank is very active, it may take a long time to get a short sale. Usually there is a deposit required by the customer. Obviously, a house has been acquired by you before the previous case, has a mortgage, you will probably make a payment. Find Reputable Cash for Home Property Buyers

Anything you’ve ever planned to learn about Pistol

Anything you’ve ever planned to learn about Pistol

In many ways, a gun is an investment decision. They can be expensive and they may also turn on interest that can make you a little more comfortable. But how can you get the marker you will get pleasure from? Just read on and you can do this.

Anything you’ve ever planned to learn about Pistol

Pay attention to the child’s readiness whenever he gets a new weapon. Smaller weapons can be very risky to the safety of babies and toddlers who naturally regulate every little thing in their teeth. Make sure the really new weapons are usually held away from the small ones. Possible weapons for older children can only frustrate younger children. Anything you’ve ever planned to learn about Pistol

Very good weapons should be protected in addition to fun. Regarding young adults, look for firearms that demonstrate this basic safety with its precision. You can find a gun that can explode properly in terms of the exact instructions are usually encouraged. Teenagers usually master enjoying yourself simultaneously. Learning as a result of participation is the best education and learning.

Introduce the little teen to the gun by giving him the gadget weapon he can live with. Any toy toys along with non-lethal main points are always preferred. Your child can easily test his goal gain. Many model markers come with a focus on where your baby can easily train smaller number of films. Anything you’ve ever planned to learn about Pistol

Make sure the label is connected with a rifle. Currently, you do not find many markers that contain harmful fractions like these people years before. But, there are still some out there. Such a rifle may harm your son or daughter, if he consumes an integral part of the idea.

Bring your young children while shopping for guns. Unless you know what they want, predict where the firearms they will enjoy will go on strike and will also be missed. This will ensure that people get something they will appreciate. In addition, the item assures you that you are not wasting your hard-earned money on any firearms that will not be provided.

If almost all the weapons you get on your child are only on battery power, make sure you release them when your child really uses them. It picks the surprise of how easy it is for young people to take a power supply outside any firearms with a sip or even gnaw at the idea. Certainly not possible give them allow you to try this.

Find a firearm that contains an excellent arrival plan. Create the kind of rifle a young person can have. By knowing the alternative insurance plan of this store, it can help you save a lot of trouble.

Discover Ireland’s Grand Canal on a Barge Cruise

Discover Ireland’s Grand Canal on a Barge Cruise

For your next holiday, take a barge cruise down the Grand Canal and travel from Dublin to Shannon to discover all Ireland has to offer. You can admire the gorgeous green countryside and delightful little cottages that line the waterway, while diving into its interesting and intricate history as a commercial route which allowed the surrounding towns to prosper.
Length and Route

 

The Grand Canal in Ireland extends for 117 kilometres. Passing through Leinster, it flows from Ringsend in Dublin to the Shannon Harbour in County Offaly. This is the main route, built to connect the capital city with the country’s midlands. The waterway does also have another run that spreads from Lowtown in Couty Kildare to the River Barrow in Athy. There are also various branches that link up with four other towns, though it’s worth mentioning that your barge cruise will probably stick to the main route.

Along the way, you can enjoy beautiful views of Irish towns and villages with their charming little cottages, while admiring the many bridges that arch over the smooth water. The fauna and flora also remain untouched, with grassy towpaths and side roads lining the waterway and adding to the iconic Irish countryside feel.

History of the Grand Canal

Though the canal was closed to commercial traffic in the mid-twentieth century, it has since been restored to its former glory and regularly welcomes a variety of boats and barge cruises. It still features the original 43 locks, five of which are, from an engineering point of view, particularly interesting as they are double locks. Back in the day, these would have allowed the traffic to move faster as two boats can pass at once and there’s more chance of reaching a lock that’s in your favour. The lock-keepers’ cottages have also been refurbished to celebrate the history of this canal…

Relationship with The Guinness Factory

…And what a history it is! The Grand Canal played a crucial role in the creation and development of the Guinness factory. In 1759, two years after the construction of the canal began, Arthur Guinness founded his famous brewery. Thanks to the waterway, he could transport heavy loads of the raw materials he needed far more cheaply and effectively than by road. It was also an ideal way of exporting his finished product. When you pass through the eighth lock on a barge cruise, keep your eyes peeled for the Guinness filter beds which are still used by Arthur’s company today.

Impact of the Famine

In the first half of the nineteenth century, Ireland’s economy began to fail. As people lost their jobs, the Commission for Public Works set them to work on creating the canal. This was a successful scheme until the potato crops failed and the Great Famine broke out. Work had to be halted as labour became scarce. Eventually, trade and commerce on the canal declined, particularly as the construction of the railroads had just started.

By the 1980s, the Grand Canal had become something of a dumping ground. Thankfully, in 1986 it received a funding injection that sought to rejuvenate the canal and restore it to its former glory. Today boat traffic from barge cruises has increased and thousands are able to enjoy this historic waterway.

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury barge cruise itineraries. 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.

Reasons to Live in Retirement Communities

Reasons to Live in Retirement Communities

It is difficult to accept the changes that occur with age. If you have family members that reach the point where it is challenging to keep abreast of the tasks required for home ownership, you are already facing this problem. It’s hard to embrace the fact that the person you love, or maybe yourself, may need less responsibility and have to move away from the family home. Many are reluctant to even consider let alone make such changes. It’s possible that you have a preconceived idea of ​​what a retirement community is like, and maybe that’s not very positive. There are so many new areas that are specifically aimed at seniors, and they have a beautiful living environment. It will be worth your while to check out one, like PebbleCreek Retirement Community. There is no harm in looking around and seeing what they offer. This can help make your decision making process easier. Reasons to Live in Retirement Communities

Benefits to Living in Retirement Communities

The first thing you’ll find is there is no yard work or home care needed. These tasks are sometimes too physical with age, but you want your home to look good inside and out. In the retired community, all these things are kept for you. You do not have to worry about mowing the lawn, shoveling snow, changing light bulbs, and many other things. If you really love gardening, some communities have areas that you can adopt; You do not have to let go of everything. You will find a good balance for you, but the option of not having to take care of these items is a bonus.
Switching to such a community can also improve the relationship you have with your family. Often you find that you are very dependent on grown children or other family members to take care of everything. You may feel that you are being a burden and will choose not to ask when something needs to be done. It may also be tense if the schedule does not allow things to happen soon. Both sides of the situation may be a struggle, and it is difficult on the parent relationship of the child. If there are other options available for help, you may find that when you do these things together it will be much easier.
The social interactions found in the pension community are very important. There are many activities on offer, and some people are involved. This can give you a chance to try new things while meeting new people. There may also be facilities in your community that allow you to swim, play golf or tennis, or have walkways. It gives you the option to stay fit and healthy without having to travel to do so. Easy to make friends in this environment because there are many people, all at the same stage in life. If you live in the neighborhood, it’s hard to find a place to meet people. Reasons to Live in Retirement Communities
There are security factors to consider as well. Most communities will have some kind of security by reason of limiting access to those who do not live there. Many homes or apartments will also be part of an emergency response system, allowing residents to remind someone if they have a problem. It can entertain the family as well.

Reasons to Live in Retirement Communities

You still have to evaluate and make the best decision in your situation. As you weigh the options you have, be sure to visit places like PebbleCreek Pensions Community, or others in your area. They will give you more information, which will help you decide what to do next.