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The first point to make is that what follows is not financial advice.

Just what methods of funding would be suitable for you will depend a lot upon your own personal financial situation. As that isn’t known here, please keep in mind that the points below are generalities that may or may not apply in your unique circumstances.

Finding finance

In the majority of cases, there are typically four potential sources of motorhome finance:

  • your bank;
  • the dealership;
  • a finance company you’ve found yourself;
  • friends, family or your own financial resources (e.g. a retirement lump-sum).

As this is about finding finance, the last one above won’t be discussed further.

The other three have their strengths and some issues to consider.

Your position

Whoever it is you’re asking to advance motorhome finance, they will typically be looking for you to bring certain things to the table:

  • evidence that you can afford the repayment schedule (usually in the form of regular income);
  • a price for the vehicle proposed that makes sense when viewed against its realistic market value;
  • an identity and address that can be easily verified against things such as the electoral register– this is to prove that you are who you say you are;
  • a financial contribution towards the price. This is sometimes called “the deposit” and it is a way of reducing or sharing the risk with the lender. Typically, the more of your own money you’re including as the deposit, the easier you should find it to secure funding at attractive rates (assuming all other things are equal);
  • an acceptable credit history record. Contrary to some myth, credit history issues are NOT usually a showstopper but they may affect how much you’ll need to pay for your finance.

Bank funding

This has a major attraction for some in that it’s familiar. Banks have also cleverly positioned themselves in the marketplace over generations so that they sound like solid pillars of the community – and that still appeals to some.

On the downside, you might find that:

  • they’re rather slow to make decisions;
  • it’s possible they’ll demand a higher contribution from you than some other potential providers;
  • you may wish to keep your vehicle purchasing affairs private in terms of your bank’s view of the totality of your engagements;
  • the banks can be risk-averse and less receptive to luxury vehicle financing than some other sources.


Dealerships have a big advantage – they know the finance providers who are likely to be receptive to applications relating to motorhome finance. This route might for example, help to keep the deposit you need to provide at a lower level.

It might save you a lot of time and trouble because it’s one-stop shopping.

Things to keep in mind might include:

  • some may prefer to keep the business of finding finance and driving a deal on a motorhome, separate (though due to the high demand for motorhomes and the fact they hold their prices, this might be less of an issue than it would be with cars);
  • do review the finance proposition from the dealership just as you would any other, looking at interest rates and so on.

Finance companies of your own choice

Remember, every time you make a loan application and it’s refused, that will potentially damage your credit score. So, avoid making large numbers of random applications in the hope you’ll get a favourable outcome and instead look for companies that have a track record in motorhome finance.

Look at all the usual factors including:

  • whether they’re a fully regulated company;
  • the interest rate they’re apply in AER terms;
  • how long they’ll allow repayments over;
  • the maximum age of the vehicle they’ll accept;
  • any conditions or penalty clauses etc.

Take your time reviewing their proposition and if you’re not really comfortable with financial concepts, get objective advice from someone who is.

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If you travel a lot then chances are you are stress out a lot. Stress is all around us. From our workplace to our home, we can’t seem to escape the effects of stress, or can we? While we all know that stress is not good for us, we don’t all know how to get rid of it. Actually, everyone probably has their own means of reducing or lessening stress. Some of the measures that people take to lessen their stress include: sipping on hot tea, listening to music, and taking long walks in the park. Did you know that books can provide you with an outlet and an escape from the stress of everyday life? According to an article on the Mayo Clinic, reading for just thirty minutes per day can work to de-stress your life. Books are vessels that can transport you to another world or another galaxy all together. From living someone else’s life to brushing up on your skills, reading a book can reduce your stress instantly. According to some new research, reading is more effective and works faster at relieving your stress than drinking a cup of tea, listening to music or going for a long walk. Why is this the case you may wonder? Because reading involves deep concentration. Deep thought can act as a distraction which can help to reduce tension and stress immediately.

If your bookcase is looking a little empty these days than it might be time to refill those shelves and what a better place to start looking the largest selection around of books at Barnes & Noble. At Barnes & Noble, you will find the best selection of books ranging from fiction and non-fiction to self-help and children’s books and with their partnership with Groupon Coupons you can save lots of money.

Before browsing the superb selections at Barnes & Noble be sure to see Groupon Coupons first for money saving coupon codes as well as printable coupons. Act now and get 10 percent off every purchase with this code. Enjoy $5 off with this promo code. Save with free shipping when you use this code. Save more on textbooks with 90 percent off when you use this code on new and used textbooks. Act now and get 20 percent off the Samsung Galaxy Tab A Nook with this promo code. Get 30 percent off one kids item with this code. Act now and get up to 75 percent off books with this code. Enjoy a free DC comic with this code. Get express shipping when you use this code. Get $5 off any $40 or more order when you use this promo code. Enjoy free shipping when you order $25 or more. Get up to 75 percent off clearance books and gifts with this code. From up to 50 percent off top sellers to 50 percent off with deals of the day you will always be saving when you use Groupon Coupons first.

When you shop Barnes & Noble with Groupon Coupons you don’t have to decide between fiction and non-fiction. With the savings, you will be able to buy both!

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Traveling is something everyone enjoys and you should be looking forward to your vacation rather than worrying about the possibility of being hacked while traveling. Unfortunately, this is a possibility and knowing how to best protect your devices is important. This article will shed some light on ways your phone can be in danger and how to protect it, as well as other electronic devices while traveling.

Use Passwords that are Difficult to Detect

It is all too common that people use passwords that are easy to remember such as birth dates, pet names, anniversary dates, the current city they live in. etc. However, using a password such as those can make it easy for someone to hack. Instead, try using passwords that include special characters, acronyms, and numbers in a combination that would be difficult to figure out. If you need to use an important date so that you can remember the password, try adding in some special characters to make it a stronger password. Also, changing your password every six months or so for extra protection.

Keep Your Software Up-to-Date

Before you take off for your trip, be sure to update your antivirus software for added protection on all of your devices. All manufacturers’ offer updates every few months and it is vital to your protection that you check the website for any updates that are available and get those installed before you leave. Android virus scan can also detect any possible concerns prior to your trip so that you are less likely for an issue while away.

Mobile Device Security

While the above tips apply to mobile devices and laptops, mobile device security is probably most important, as you are more likely to be using your phone or tablet while traveling. Before leaving for your trip, all of your devices should be password protected in order to access the device and the Bluetooth protocols should be disabled in order to avoid the possibility of someone connecting to your device.

If you are traveling soon and need a trusted app for protection, Android AVG antivirus for mobile devices is truly the best form of protection you can have for your mobile devices.

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We are fortunate to live in an age where cheap air travel, and affordable cruises, allow us to access exotic and exciting resorts that, not so long ago, would have been available only to the very wealthy. Where once a family holiday would have been taken somewhere closer to home, nowadays it is not unusual to spread our wings, and to visit somewhere far removed from the holiday resort of old. The only problem facing the holidaymaker now is choosing where to go, such is the sheer variety of possible places to visit.

Take Puerto Vallarta, for example; a glorious resort on the Bay of Banderas, a stunning stretch of Mexico’s Pacific Ocean coast, this wonderfully friendly and welcoming city is a place where you can take a holiday and enjoy not only superb beaches and amazing weather, but also indulge in local culture and experience the nightlife. We recommend Puerto Vallarta vacation rentals as your accommodation of choice, as there are many to choose from and the privacy and convenience you are afforded will be unrivalled.

Why Puerto Vallarta?

Puerto Vallarta was largely developed during the colonial years of the 19th century, and this is reflected in the architecture, particularly in the Old Town region. It is a small city that now features a mix of the old and modern, and the central plaza is a charming place to sit and have a drink and relax. There are many charming shops, friendly street cafes, galleries and museums, and it is a very welcoming city that is largely pedestrianised.

However, for many people, it is not the city itself that is the attraction, but the stunning beaches. There are many along the bay that offer peace and tranquillity – plus wonderful soft sand and amazing weather – and you will find great variety. Dome are secluded small beaches with a very intimate feel, others are lined with restaurants offering glorious seafood dishes – more of that later – and each has the benefit of the wonderfully clear and beautiful ocean waters lapping at the shore.

Indeed, so clear are the waters here that diving – both snorkelling and scuba – is extremely popular. The shores are home to wonderful rock formations and coral reefs that harbour a wide variety of undersea wildlife, and you are sure to see some fantastic creatures that you will not see elsewhere. Indeed, the rock formations rise out of the sea in spectacular fashion across the bay, and are an iconic site in the region.

If you are lucky enough to be in Puerto Vallarta at the right time of the year you may even be able to enjoy watching pods of whales frolicking in the waters, a sight that is one to be cherished, so it is worth checking your tourist information if you want to catch this spectacular sight.

Food and Fun

Mexico is famous for its varied food, and it is part and parcel of the culture of this wonderfully friendly country. You will find a wide variety of excellent restaurants in Puerto Vallarta – some of them with sea views – and you simply have to try the local specialities. Grilled red snapper, served in a unique garlic and spice sauce, is a wonderful local dish, while you will also find a variety of raw fish and other seafood dishes, served in lime juice, which are well worth a try. On the beach itself you will find vendors selling grilled, skewered meat served in a local speciality hot sauce – a great snack that is completely unique to the region. Then there’s the local drinks: you can’t visit Mexico and not try a tequila – but be careful, it is strong stuff!

After a relaxing day on the beach or in your luxury villa, you will want to let your hair down, and Puerto Vallarta is no stranger to a party. You will find lively bars throughout the city – the Old Town region is a particular favourite – and there are a number of great nightclubs in this small and friendly city, so you can get some music on and enjoy yourself thoroughly. It’s a great city to enjoy yourself in, and one that you will find suits your requirements in every way.

Choose Your Villa

The sheer choice of accommodation in Puerto Vallarta is impressive; whether you are a couple looking for a romantic break, or a large group of perhaps a couple of families there will be something to suit your requirements and your budget, and you will also be pleasantly surprised at how affordable a villa holiday can be. You get complete privacy and the convenience to come and go as you wish, plus you can choose between a self-catering or part-catered villa. If you choose the former, the range of fresh produce available at local markets is quite wonderful, so you can cook al fresco on your outdoor equipment, as and when you wish.

Your villa will be beautifully furnished with all the amenities you need in a home from home, and you will likely have a villa with a pool, so you can relax outdoors and enjoy the beautiful Mexican sun. Easy to reach from the local airport, which is served by flights from many countries, Puerto Vallarta really is the ideal holiday destination, so check out vacation rentals now, and book you and your family a holiday in this glorious and exotic resort that you will never forget.

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Norfolk is a lovely county in East Anglia and is popular with caravan holiday enthusiasts.

If you’re thinking of heading east, here are a few ideas if you’ve never visited the area before.


This was one of mediaeval England’s most important and wealthiest cities. Its wealth was built on its wool trade and its proximity to the East Coast ports that in those days were so important in English trade to Germany, Scandinavia and Holland.

As a result, if you love history, you’ll like this city and its many attractions. Why not try:

The Norfolk Broads

This is a very large area of the county which comprises marshlands, rivers and lakes.

It’s world-famous for its wildlife and boating water-based holidays. That might sound odd in a caravanning context but of course there are some excellent sites in the area and you can get around on the water without basing your entire holiday on a boat.

It can be busy here in July and August, so if possible, try and visit outside of the peak holiday weeks.


This is a Victorian town that sits on the very far northern tip of the county’s coastline.

It’s a pretty town with a flavour of Victorian yesteryear with just one example of this being the pier with its theatre at the end. There are lots of little cafés and interesting shops.

It’s a charming place and quite evocative. Don’t forget to sample the legendary Cromer Crab while you’re there.


This is one of the UK’s great stately homes and also the residence of Her Majesty the Queen at certain times of the year.

More correctly in fact, this is an estate. It’s a fantastic place to visit and in addition to the house itself which has its own chapel, there’s also a museum and some incredibly beautiful gardens.

Most guidebooks recommend you allow a minimum of 4 hours to get around and see everything. Look carefully at the opening times and dates on the estate’s website though.   There are some times in the year when the estate is not open.

North Norfolk Railway

Do you like steam trains? Then you’ll love it here!

The line from Sheringham – Weybourne – Holt is world famous for its steam days, galas and some great trips. The programme changes regularly so check out their website for the latest news once you have your dates confirmed.

Getting ready

There are some fantastic sights to see in Norfolk but don’t let their attractions cause you to forget the basics.

Here are a few ancillary tips:

  • remember that the east coast of England has some beautiful beaches and open spaces but it can also experience some wind coming off the North Sea. Even in summer, it’s worth remembering those wind breaks;
  • don’t forget to make sure that you’ve fully checked your caravan prior to departure and that your touring caravan insurance is fully up-to-date;
  • some Norfolk caravan sites can be busy in the peak season, particularly those in close proximity to the Broads. Booking ahead in July and August is highly advisable.

Enjoy yourself!

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If you are a regular traveller, whether for business or pleasure, you will know the importance of taking some time for yourself to relax. This is especially so if it is for business and you have a busy schedule, so it is vital you have ways to take time off and settle back. Of course, you will have your own particular choices when it comes to relaxation, but we thought we’d help out with a few of our own suggestions, so here goes!

Enjoy the Sun

If you are heading to sunny climes, you’re about to experience something we rarely see in the UK – the sun! Take some time off to sit outside and enjoy the warmth, whether it’s on the beach or on your hotel room balcony. It’s a surprisingly relaxing experience, and one that – if you are careful and you keep your skin well protected – is good for your health. It’s amazing how refreshed and ready for the next day a little sunshine can make you!

Have a Drink

We’re not suggesting you go all out and get drunk! However, there’s no reason why, in the evening when your work is done – or when you are enjoying your holiday – a couple of drinks in a bar or at the hotel can’t be enjoyed. This is time you can spend either chatting to other guests or relaxing on your own, perhaps with a book or the newspaper.

Take a Bath

Here’s the scene: you’ve had a busy day exploring the area, or perhaps getting those business meetings out of the way, and you are feeling very tired. What better way to relax than a nice, hot, foamy bath? And, to make it even more relaxing and enjoyable, what about using a luxury bath pillow? These portable, inexpensive and very relaxing devices attach to the side of the bath, and provide support and comfort for your head, neck and shoulders. They really do make a simple bath into another experience altogether, and we found details of the ten best brands at a great site called, which includes specifications and price comparisons. They also have reviews of many other household items, so it’s well worth a look.

Go for a Walk

Wherever you are, you should take the time to get to know the area, and if it is a safe place to do so alone, why not go for a leisurely walk? You’ll find plenty of advice on where to go in local travel guides, and it is always great to experience places you have never seen before.

Go Swimming

If your hotel or complex has a pool, take advantage of it! A nice swim in the warm water followed by a relaxing lie by the pool is a great way of winding down, and will leave you ready for the rest of the day.

That’s just five ideas, and we have many more, so feel free to add your own and, most of all, enjoy your relaxing travelling.

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Your perfect cruise holiday can ultimately see you dishing out a lot of money for the pleasure. The most desirable destinations and attractive cruise liners can often lead to an expensive outlay, something which can put off potential customers.
However, if you prepare properly beforehand and take steps to reduce your outgoings whilst aboard the ship itself, a cruise holiday can be more attainable for regular customers. Here are 5 ways to best go about saving money for your cruise:

1.     Know When to Book 

Most holidaymakers will have a pre-determined time of when they can go away, during the school holidays for example. If this is the case, it is best to scour all the deals online as soon as possible for your preferred dates, keeping an eye out for potential deals. By booking early, you will also be able to guarantee your preferred room choice and place on any excursions taking place.

The end of summer usually causes the following summer’s deals to open up and even though you’ve just returned from on holiday, you may be looking at something a little different for the following year!

Alternatively, you can also try booking as late as possible as a way to save money. If this is a realistic option for you, finding a spot at the last minute will often be much cheaper than usual. Cruise companies will look to recoup as much money they can or fill up places left by cancellations.

2.     Consider Off-Peak Seasons

Cruises during off-peak periods are generally less expensive than in the high season. Booking within these times, i.e. at some point in the school year, will save you money and also provide more freedom on a less crowded ship.

Christmas and New Year are also hugely popular, due to special performances by big celebrities and parties on the Disney cruise liners have been known to be incredibly popular as people look for an alternative festive season.

If looking for an off-peak cruise, knowing when to book for depends on many variables such as the location and weather conditions. Do research beforehand on your preferred destination and which season is the most feasible option.

3.      Book Online 

Although some people still prefer using the travel agent as a way to book their cruise holidays, completing the process online can often unearth some great deals. Going alone will require more preparation on your part however, especially with your travel arrangements to and from the cruise liner. Keep an eye out for sales, last month was National Cruise Week and Cruise1st were offering deals as a part of this here.

You can use comparison websites to reveal the cheapest options for your favoured location and time. Emailing different cruise companies enquiring of any deals or possible reductions is also something worth checking out.

4.     Stay Efficient Onboard 

Experienced cruisers will tell you that onboard living isn’t necessarily cheap, no matter how much you have saved during the booking process. Pack carefully; take all the important items you need to prevent spending money needlessly on overpriced goods. Don’t be drawn into some of the extras offered from certain sections of the boat.

Also, be prepared for some unexpected additional charges. Cruises are rarely all-inclusive and some of the more exciting activities, such as visiting the casino or spa, are only available at extra cost.

5.     Cheaper Excursions

Cruising to the Mediterranean or Arctic won’t be much of an experience if you don’t leave the ship and take in the amazing sights. The cruise liner will most likely offer their own excursions tours at a cost, although it is possible to vacate the ship at your own free will.

Research all the local tourist hotspots and the most efficient way to see them all because your time off the boat is limited. In addition, you should also stock up on food, drinks and personal items whilst on land in order to save excess spending onboard.

Although the most desired cruise holidays on the most prominent ships are generally quite expensive to take, there are many ways to save money both at the booking stage and whilst at sea. Scout around for the best deals online, not forgetting the most efficient way to reach your embarkation point, and also pack resourcefully to save money whilst on the ship.