duration for travel for life program

The Ultimate Guide to the Duration of Travel for Life Program

What is the Duration of Travel for Life Program?

The Duration of Travel for Life program is a unique and innovative initiative designed to enable individuals to embrace a nomadic lifestyle while maintaining a sustainable income. It offers a flexible approach to work and travel, allowing participants to explore the world while earning a living remotely. This program empowers people to get free from there traditional job system and create their own path, you have to immerse yourself in diverse cultures, breathtaking landscapes and unforgettable adventures.

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1 – Are Your Ready Duration of Travel for Life Program ?

Are you ready to start a journey that can change your life? Look no further than the Duration of Travel for Life program . In this brief information , we are going to bring you all essential information about this transformative program that can unlock the doors to new horizons, experiences, and opportunities. So, buckle up and get ready to start your journey with us!!

Read More – Become An Europe Railways Travel Agent & Earn 5X Of Your Income !

2. How Does the Program Work?

The Duration of Travel for Life program operates on the principle of leveraging digital technology to create a location-independent work environment. Participants have the freedom to choose their destinations and travel at their own pace, working remotely. This means you can be sipping coffee in a cozy café in Paris one day and diving into crystal-clear waters in Bali the next, all while staying connected to your work and clients. The program offers a wealth of resources, support, and a global community to ensure a seamless transition into this exhilarating lifestyle.

Read More – Start Your Affiliate Marketing With Voy Trips Now

3. Benefits of the Duration of Travel for Life Program

3.1 Freedom and flexibility: With the Duration Of Travel for Life program, you have the freedom to choose when, where and how you work. Say goodbye to the 9 to 5 routine and embrace a life of ease and adventure.

3.2 Cultural Immersion: Traveling opens doors to new cultures, traditions, and perspectives. In this program immerse yourself in different communities globally therefore you have a options to learn new languages and expand yourself worldwide.

3.3 PERSONAL GROWTH: Just step out from your comfort zone and try to unlock new business doors . The Duration of Travel for Life program challenges you to adapt, be resilient, and discover the best version of yourself.

3.4 Professional Development: Contrary to popular belief, working remotely can enhance your professional skills. This program enables you to master time management, communication, and adaptability – all highly sought-after skills in today’s interconnected world.

4. Success Stories

The Duration of Travel for Life program has transformed the lives of countless individuals around the globe. Let’s delve into a couple of inspiring success stories that exemplify the transformative power of this program:

4.1 Sarah’s Story: Sarah, a freelance graphic designer, joined the program to escape the monotony of her office job. She traveled to various countries, drawing inspiration from local art and culture. Today, she runs her successful design agency while experiencing the world.

4.2 Mark’s Story: Mark, a software developer, wanted to explore different tech ecosystems worldwide. Through the Duration of Travel for Life program, he connected with remote teams across continents, broadening his knowledge and honing his skills.

5. How to Get Started

Are you eager to start your life changing path? Here are the steps to get started with the Duration of Travel for Life program:

5.1 Research and Planning: Familiarize yourself with the program’s requirements, guidelines, and available resources. Determine your desired destinations, assess your financial situation, and create a detailed plan for your new adventure.

5.2 Remote Work Opportunities: Identify your professional skills and explore remote work opportunities in your field. Leverage online platforms, freelancing websites, and professional networks to secure projects and clients who embrace remote collaboration.

5.3 Networking and Community: Connect with fellow participants, seasoned travelers, and digital nomads. Start attending meetups with knowledgeable persons and engage in online communities to expand your circle , share your experience and gain valuable sympathy.

5.4 Embrace the Journey: Pack your bags, bid farewell to your comfort zone, and embrace the duration of travel for life. Just fit yourself in new working community and cultures and perfectly grab new opportunity for your growth.

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Home » Articles » How to travel the world for life (and work while you travel)

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written by Benny Lewis

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How to travel the world for life (and work while you travel)

Today, July 10th , is my 32nd birthday! But it's also my 11 year travel anniversary .

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Back in 2003 I left Ireland this day with no return ticket, and 132 months / 574 weeks / over 4,000 days later, I'm still on the road with no home or place I can call a base. Everything I own in the world weighs 23kg/50lb and comes with me.

On my 8 year travel anniversary, I wrote my site's most popular post ever by sharing the 29 most important life lessons I learned while travelling the world. And last year on my 10 year anniversary, I took those top-10 life lessons and presented them in a professionally edited video to summarize my travels visually.

This year, I'm doing something different and sharing my most practical tips on how you can travel the world (long-term) like I have, without winning the lottery (or having a mega savings). All throughout my travels – for over a decade – I've paid my way from money I earned while travelling .

So, how do I travel the world?

First, you don't need to save up money for years before you can travel the world. So many people make this mistake in mentality, and as a result they put off their travel goals for years unnecessarily. In fact, starting a travel lifestyle right now is well within the possibility of many people. I realize that there are exceptions, and some people might not want to travel the world long term like I do, so today I want to give you a heap of ideas for how to manage your own travel goals, whatever they may be.

I'll tackle four key points:

How to lead a cheap travel lifestyle
How to score cheap flights
How to get the cheapest (and sometimes free) lodging
How to work while you travel

If you're really serious about starting a travel lifestyle, I'll also share the best links for further reading on travel hacking. To get you started, you can't get better than checking out Nomadic Matt , since I learned a lot of the strategies I now use myself from his book How to travel the world on $50 a day .

(Oh yes – since it's my birthday, as a present request I'll ask that you share this post on your favourite social media site ( Facebook wall, retweet , Google+ share etc.) if you found it useful. Thanks! 🙂

How to travel the world for cheap

Before we discuss how to travel cheaper, it's very important to tackle how to live cheaper . This applies to you right now, even while you are settled.

If you have expensive habits now in your settled life, those habits will follow you into your travel lifestyle and rack up unnecessary expenses. It doesn't need to be this way.

So how expensive is your current life? Before you start travelling, track your actual expenses now and see where they go. Do you eat out a lot? Spend a lot on fuel costs? Does most of your money go to car or home insurance payments?

The good news is that if you start travelling for the long-term, you can live cheaper in part because you'll no longer need to spend hundreds of dollars of month to pay for your car, its insurance, its gas… and all the other major expenses that comes with leading a settled life. When you think about it, with all of these major expenses, leading a settled life is expensive!

But if you're finding that the biggest sticker shock comes from your lifestyle habits, then you'll have to make some tough choices.

Can you cut back on coffee, cigarettes and beer in exchange for extra cash you can put towards train tickets to the distant corners of the world?

Not everyone can, or wants to. But if you can save just ten dollars a day by living a cheaper lifestyle … just 10 dollars a day! … that's enough to pay the cost of your entire monthly rent for a hut on the beach in India or Thailand.

Think about that for a minute.

You might consider making other cheap lifestyle choices, like keeping a vegetarian diet and learning to cook from home. In a lot of countries, you can rely almost entirely on the use of public transport instead of a car, or get around on a bike. You can share accommodation costs by having room-mates. You can choose to be happy with the current technology and clothes that you have instead of updating them every few months.

These changes can increase the amount of your expendable cash dramatically .

After you learn to decrease the cost of your life in general, this will absolutely spill over into savings for your travel life. Then, I recommend you:

Follow these 25 travel on the cheap tips from myself and Graham Hughes (who has visited every country on earth on a shoestring budget)
Get rid of all your stuff. Use sites like Ebay , craigslist , gumtree , go to 2nd hand shops, the options are endless. There is no physical item that you actually can't live without unless it is the clothes on your back, food, or your means of earning money (for me, that's my laptop). This will both give you a financial boost and allow you to travel with all your posessions and not need to pay for storage or rent back home.
Learn how to travel with everything you own carried along with you.
When eating in a country, don't forget to try to get a place with a kitchen if you can (many youth hostels have one) and cook your meals. Otherwise, try to eat out at lunch time instead of dinner, since many places do lunch specials. Cities like Berlin and Paris have great “business lunch” options that offer several courses for just a few euro. Also, do indeed visit tourist sites, but leave the area when it's time to eat, since you'll be paying tourist rates. Find out in advance where the locals eat .

My number one biggest tip by far for how to travel for cheap is to learn the local language . This will save you heaps of money. I honestly feel this is one of the main reasons that I've been able to afford to travel so long – I've avoided paying the “English speaking tax”, and trust me, that tax exists pretty much everywhere that English is not the native language.

How to find cheap airfares

When your general lifestyle is less expensive, the next biggest expense people imagine is flights .

Flights, I'll admit, can cost thousands of dollars. But if you know where to look, there are several ways to make these dramatically cheaper than you think. Here are some rules to live by when checking out flights.

Never go to the airline's own website. Instead, use “meta-search engines” while check and compare the rates for multiple travel sites at once. Also, try to book tickets around 3 months in advance, and choose flexible criteria – especially for the exact day of travel. See what the cheapest day is during the week or month around when you can fly. You can save hundreds of dollars by flying even a single day earlier or later! And try multiple searches on several of the following websites until you get the best results:
www.skyscanner.com
www.momondo.com
www.kayak.com
www.expedia.com
www.hipmunk.com [This site ranks flights by “Agony”, taking inconvenience into account]
For long-haul, cross continental flights, use flightfox.com. For $49 they can save hundreds or get you nice upgrades. Definitely worth it for many people. I got Lauren's return flight (from US to Spain to live with me for 3 months, then from Ireland to US for Christmas) for $450/€330, because of some strange rule where we added an extra leg to Canada 2 days after she landed in DC that she didn't even take. This website did the research for us in a way you wouldn't get on the above meta-searches.
If your goal is to fly a lot, you can use “Round-the-world tickets”, which can cost about €3,000+ depending on the number of continents you want to visit. You can book through airtreks.com or flightcentre.com , but it's better if you can save miles through credit card sign-ups. This is more appropriate if you want to travel the world for a year and know where you want to go in advance. Using the above options and buying individual tickets still tends to work out cheaper most of the time though, and allows for more flexibility.

How to find cheap or free lodging

For those of you travelling very fast and moving around once every few days, travel will be more expensive, but you can reduce costs by getting last-minute prices on hotels on sites like laterooms.com , lastminute.com , hoteltonight.com , priceline.com , hotwire.com (name your price – you won't know where you'll stay until you've paid).

I can understand why people think long term travel is not possible for them, when they think it's a $1-200/night hotel stay, but the fact of the matter is that long term travellers do not tend to stay at hotels .

Instead, we:

Stay for free with couchsurfing , servas (reference letter required, mostly US senior travellers), hospitality club , globalfreeloaders ( I use Couchsurfing a lot for its search feature to find language learning partners too )
If you speak Esperanto, Pasportaservo.org is like the above sites with the only catch being that you communicate with your hosts in a language you can learn in a few weeks ! ( Here's how well my girlfriend did with just an hour a day for 6 weeks )
Use wwoof.org (World Wide Opportunities on Organic Farms – about €20 per country membership – you work on a farm and get free accommodation, as well as the amazing experience)
House-sit at housecarers.com , mindmyhouse.com , caretaker.org – This is more suited to stays of a month or longer; you get free accommodation in exchange for keeping an eye on pets, gardens, and other chores.
Stay in youth hostels – as low as just $5/night in countries like Thailand, cheaper across Europe. Find your options on hostelworld.com or hostelbookers.com .
For stays of a few days or a few weeks, I highly recommend staying in a serviced apartment. For mid-range budgets this is my go-to choice. Find your home away from home on 9flats.com , airbnb.com , homeaway.com , roomorama.com , or wimdu.com .
Go camping! You are only paying for the space and can access water, electricity and other services as required in specialized campsites for a fraction of the cost of alternatives.
Here is more on how I find accommodation while travelling

How to work while travelling

Most people think they have to save their pennies for months or years in advance until they have “enough” money to travel and live off of for a while. Unfortunately, this can only last you so long (unless you have won the lottery, in which case send a donation my way! 😛 ). The fact is that you can earn while on the road.

There are two ways to do this:

1) Get a job on-location

If you are an EU citizen you can do this automatically in any other countries in the EU. In most other situations though, you need to obtain a visa in advance.

As an Irish citizen, I got a J1-visa to work in America twice when I was a student (this was part of the 6 months of travel I did before my 11-years-non-stop travel, so I am actually approaching 12 years depending on how you count it…) I applied for this through the Irish organization USIT . They also offer Irish people working visas in many other countries. Your country may have an equivalent service.

In most other situations, you may have to see in advance what your options may be. If you are a student, your university most likely offers study abroad options, and definitely use your network of friends and colleagues to see if any of your fellow students have experience working abroad.

If you are looking for a job on your own, it is actually usually much easier to get hired by a company before you travel, and then have that company arrange the visa. This was a possibility for me the first time I went to the US, because I worked as a summer school teacher for a university, which was experienced in hiring foreigners, so I actually didn't need to arrange the working visa myself.

Finally, have a look at the country's embassy website and see what they recommend for working visas.

What work can you do on-location?

The easiest way by far that English speakers can work abroad is to do it as an English teacher . In countries were English teachers are in high demand, the school will arrange the visa and all logistics for you.

I've done lots of work as an ESL teacher myself, all based on an initial weekend affordable TEFL certificate I got from i-to-i , and then building upon my experience earned to get me higher paid jobs with time, eventually working for prominent schools like Berlitz and Wall Street Institute. I've also worked the following jobs on location, to give you an idea of your options (your options expand immensely if you learn the local language – don't forget to sign-up to my newsletter for a week long crash course if you aren't sure how):

Youth hostel receptionist
Store manager
Photographer
Basic office work
Engineer (what my undergraduate degree was in – in this case I worked as an intern)
Go Kart race controller
Computer repair / on-site tech support
Lots of English teaching
On-site translator

You may find other work depending on your work skills and the opportunities available.

2) Get a location independent job

I worked on-location for my first years travel, but the catch was that my wages remained stagnant for all work other than teaching English, since I moved every few months and had to start over from scratch again.

That's why the future of many jobs (not all of course) is that they can be based online , and you can take them with you around the world!

Here are a few ideas:

If you are good at languages, and willing to go through training for it, become a freelance location independent translator . I found my initial work on proz.com
Teach your native language online . You can become a teacher on italki for instance and take your students with you wherever you go. My girlfriend did this for her first months of travel with me, and was working full-time with the work she got.
Become an online coach – while I do this myself to help people expand the popularity of their websites and craft their language learning projects, there are many ways you can implement this. I once met someone who earned her living coaching people to give up smoking (her background was in psychology) over Skype!
Write an e-book or sell a course online. My site fi3m premium supports this completely free blog (no spammy irrelevant advertising anywhere here – that's a really poor way to do anything but cover hosting costs) through a video course and resource database. I used to sell an e-book too. You can distribute this yourself if you put the time into creating a really high quality free site/Youtube channel/podcast or similar that sends traffic to it. You can also sell it directly on Amazon (self published) or through various other channels. Note that traditional publishing is not a good way to earn a living for most people – my book is an international best seller and this does not translate into money in my pocket because of traditional publishing logistics.
Take a skill that you have and see if it works online. Here is a list of 64 ideas to work online depending on the skill. You can also see if job openings are available through various online advertising boards, or a job outsourcing site like Upwork .

What kind of working visa do I need?

The question of how you manage the logistics of working online is tricky because there are no international laws that govern such things. What many of us do is simply set ourselves up legally and officially in our home country – so we have a bank, and pay taxes there.

Then we stay in a country on a tourist visa – a grey line depending on where you go. I actually have a business visa while I'm in America right now, since its immigration tends to be the most strict about what I can and can't do here – this is despite the fact that I am not actually technically employed for any of my time here, but my book tour is business of sorts. In most countries though, a tourist visa is OK for online workers. (Disclaimer: Please don't take what I'm saying here as legal advice – I accept no responsibility if you run into issues!)

You aren't legally working in the eyes of many countries as you are not taking any money or employment from its citizens, only spending, as any tourist would. In case you are wondering, the “3 months” in my blog title comes from the 3 month visas I typically have as my limit in most places 😉

How do I set myself up as a business?

Whether you should operate as a freelancer or start your own business depends on too many factors for me to cover here, most important of which being the kind of work you'll be doing, but you can contact a lawyer in your home country if you are unsure.

You can receive payments directly to your bank account (when I was a freelance translator, my clients were European and bank transfers within Europe are free – working with American clients is a pain in the ass to be honest because they are one of the few first world countries that still insist on printing your money on dead trees, i.e. snail-mailing checks/cheques).

Another solution is to set up a pro or business paypal account, but keep in mind that you do pay fees for many transactions and withdrawals.

When everything is combined – working and travelling long-term is easier than you think

A really cool benefit of working location independently is that you can earn in a strong currency like the euro/dollar/pound and spend in a cheaper country where that money will take you really far. Leveraging currency differences is another thing that allows “technomads” to travel so extensively.

The combination of everything I've said in this post, namely

SPENDING less through a minimalistic lifestyle
Finding cheaper flights through a bit of research
Finding cheaper or free accommodation, especially through slower travel
Working online and earning in a stronger currency, while spending in a weaker one

Means that long-term travel is absolutely sustainable. I break some of these rules sometimes, like this year I'm travelling very fast on my book tour, and accommodation is much more expensive as a result, but flights are still cheap, we eat in as often as possible, we earn online, and we generally don't spend much otherwise.

This kind of fast-travel wouldn't be sustainable for me in the long-term, but we'll be back to three month stays later this year, and back to saving plenty for intensive periods like this.

Benny Lewis

Founder, Fluent in 3 Months

Fun-loving Irish guy, full-time globe trotter and international bestselling author. Benny believes the best approach to language learning is to speak from day one .

Speaks: Spanish, French, German, Italian, Portuguese, Esperanto, Mandarin Chinese, American Sign Language, Dutch, Irish

Have a 15-minute conversation in your new language after 90 days

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Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines' holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

Despite the chaos, holiday travel shows no signs of slowing down this year. About 50% of Americans plan to pay for flights or hotel stays this holiday season, according to a NerdWallet survey conducted by The Harris Poll in September among over 2,000 U.S. adults. They will be referred to as “2023 holiday travelers” going forward.

More than a third of 2023 holiday travelers (35%) say they will keep their usual holiday travel plans this year, regardless of expense. And given the rising cost of gas , a quarter (25%) of those traveling say they’re flying rather than driving.

If you're determined to get your dose of festive cheer, you may wonder if it's worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let's take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn't capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That's almost back to 2019 pre-pandemic levels (419.7 million).

On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.

Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.

The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019.

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

Insurance aside, one way to lower the risk of disrupted travel is by adjusting when or how you fly. Nearly 2 in 5 2023 holiday travelers (35%) in the NerdWallet survey plan to avoid busy travel days by extending the duration of their holiday trips.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

Whether your trip is nonrefundable.

Where you're going.

If your credit card has built-in protection.

What your health coverage is at the destination.

Let's assume you're traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

Some travel credit cards offer basic trip cancellation or interruption, baggage delay coverage and rental car coverage up to a certain dollar amount. If you think the options your credit card provides are good enough, you won’t need additional coverage.

If you don't have a credit card with built-in protection or the limits aren't high enough for you, look into buying a stand-alone travel insurance policy.

You can opt for the trip insurance your airline offers, buy it directly from an insurance provider or get it via an online travel agency such as Expedia . You can also compare quotes from travel insurance marketplaces you can find online. The cost of your policy will depend on the details of your trip.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-5x Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1.5%-5% Enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.

Matched Cash Back Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

on Capital One's website

2x-5x Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.

75,000 Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

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Goa Roadmap and ‘Travel for LiFE’ program

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Context: During the G20 Leaders’ Summit in Delhi, the leaders endorsed the “Goa Roadmap” and the “Travel for Life” program, both aimed at boosting the tourism sector.

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Ministry of Tourism organised the Global Launch of ‘Travel for LiFE’

On World Tourism Day 2023, the Ministry of Tourism, Government of India, orchestrated the global launch of “Travel for LiFE,” a pivotal program under Mission LiFE, dedicated to the tourism sector. This initiative, in collaboration with the Ministry of Environment, Forest and Climate Change (MoEFCC), United Nations World Tourism Organization (UNWTO), and the United Nations Environment Programme (UNEP), took place at Bharat Mandapam, New Delhi.

The event was graced by the presence of distinguished figures, including Mr.Ajay Bhatt, Minister of State of Tourism and Defence; Ms. V. Vidhyavathi, Secretary (Tourism); Ms. Leena Nandan, Secretary of Ministry of Environment, Forest and Climate Change; Mr. Rakesh Kumar Verma, Additional Secretary, Ministry of Tourism, alongside other officials.

Mr. Ajay Bhatt highlighted “Travel for LiFE” as a testament to India’s commitment to fostering sustainable tourism. He emphasized that the recent G20 Leaders’ Summit showcased India’s dedication to global unity and collaboration, aligning with collective aspirations for a sustainable future. He encouraged travelers, businesses, and citizens to embrace this program, pledging to travel responsibly, respect the environment, and appreciate the rich diversity of our world. The Travel for LiFE program, a facet of Mission LiFE, charts the course toward a sustainable planet Earth.

Ms. V. Vidhyavathi provided an overview of Travel for LiFE, emphasizing its multifaceted dimensions. The program seeks to inspire tourists to undertake simple actions that contribute to environmental conservation, biodiversity preservation, local economic improvement, and the preservation of the socio-cultural fabric of local communities. It aims to foster conscious and deliberate resource utilization across the tourism value chain.

Ms. Leena Nandan underscored that Mission LiFE aims to promote sustainable lifestyles through mindful resource use. She stressed that addressing climate change requires positive and proactive environmental actions by governments, organizations, and individuals.

Mr. Rakesh Kumar Verma, in his welcome address, highlighted the G20 New Delhi Leaders’ Declaration (NDLD), which recognized tourism and culture as catalysts for sustainable socio-economic development and prosperity.

The event marked the launch of the Travel for LiFE program across two verticals: Travel for LiFE for Cleanliness, a national campaign to clean tourist sites and monuments in alignment with the Swachhata campaign, and Travel for LiFE for Rural Tourism, encouraging tourists to explore rural and lesser-known regions, thereby promoting sustainable rural tourism and empowering local communities.

The “Travel for LiFE” program aligns with Sustainable Development Goals (SDGs), including Decent Work and Economic Growth (SDG 8), Sustainable Cities and Communities (SDG 11), Responsible Consumption and Production (SDG 12), Climate Action (SDG 13), and Life Below Water (SDG 14). With its broad range of actions, Travel for LiFE, directly and indirectly, contributes to almost all the SDGs.

The event also marked the launch of the national “Tourism for Tomorrow” competition for case studies and best practices, aligning with the key priorities of the Goa Roadmap. The Ministry of Tourism will recognize and support SDG-driven Tourism Best Practices in India through this competition.

Additionally, a Design Challenge competition for Institutes of Hotel Management affiliated with NCHMCT (National Council for Hotel Management and Catering Technology) under the Ministry of Tourism, Government of India, aims to develop innovative solutions in the field of edible cutlery.

In line with the Swachhata campaign, the Ministry of Tourism, Government of India, has planned a massive cleanliness drive at 108 identified tourist locations. This initiative aims to ensure cleanliness, sanitation, and the reduction of single-use plastic while promoting eco-friendly alternatives. Students from schools and colleges, as well as members of Yuva Tourism Clubs (YTC), have been actively involved in this campaign.

The event was also recognized and awarded the Best Rural Tourism Village Awards, celebrating their efforts in cultural heritage preservation and sustainable development through tourism. Awards were presented to 35 Rural Tourism Villages, with distinctions in Gold, Silver, and Bronze Categories.

The hospitality industry has a task cut out to achieve sustainability goals – Nakul Anand

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Travel & tourism to witness major resurgence due to chinese travellers, related posts, virtual pata wellness and luxury travel conference and mart 2021, 137 mountain peaks opened to foreigners for mountaineering and trekking, international travel can safely restart without waiting for vaccines, says wttc.

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Personal Finance

Citi thankyou rewards program guide 2023.

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more .

Citi ThankYou Rewards is the card issuer's answer to similar flexible rewards programs from American Express, Capital One , and Chase . You can earn points in the Citi ThankYou Rewards program with a selection of credit cards from Citi, including both cash back credit cards and travel credit cards . That said, you'll unlock a wider selection of redemption options for rewards if you opt for a Citi travel credit card like the card_name .

The good news about Citi ThankYou Rewards is the fact these points are so easy to earn. You can sign up for Citi credit cards to earn generous welcome offers upfront, yet you can also earn points for each dollar you charge in purchases to your card. From there, Citi ThankYou points are worth an average of 1.8 cents each depending on how you redeem them. We'll break down all the ways you can use Citi ThankYou points and each option's average point values in the sections below.

How did we determine the value of Citi ThankYou points?

The value of Citi ThankYou points is based on how much various redemption options yield, including cash back, gift cards, travel through the Citi portal and transfers to Citi airline and hotel partners. Note that the average value of rewards is boosted by the outsized redemptions you can get with Citi airline and hotel partners when redeeming miles for a premium travel redemption.

Also note that the maximum average value of Citi ThankYou points (1.8 cents per point) is predicated on having a Citi travel credit card like the card_name or the older—yet still valuable—Citi Prestige® Card, which is no longer accepting new applicants. If you opt for a Citi credit card that is geared to earning cash back instead, you'll get a lower average point value overall.

Credit cards that earn Citi ThankYou points

There are several credit cards that earn Citi ThankYou points. The right card for you depends on which categories you spend the most in and how you want to redeem rewards.

What is the value of Citi ThankYou points?

The value of Citi ThankYou points depends largely on how you decide to cash them in. Here's a rundown of the average values for these points based on the available redemption options.

Booking through the Citi ThankYou travel portal

First off, you should know that the Citi ThankYou program has its own travel portal that works similar to the Chase travel portal or AmexTravel.com. This portal lets you book airfare, hotels, car rentals, and other travel directly with your points for ultimate convenience.

Point redemptions through the Citi travel portal are worth one cent each no matter the type of travel you redeem for. If you have 30,000 Citi ThankYou points, and you go to book airfare, for example, your points will be worth $300 in flights.

The good news about the Citi travel portal is the fact you can book with a combination of points and cash. If you had 30,000 Citi points and found a flight for $400, for example, you could redeem your rewards for a $300 cost reduction, pay the $100 remaining fare in cash and book the exact flight you wanted.

Transferring to partners

Citi offers a range of airline and hotel partners that can offer exceptional value if you know how to use them. These partners include both airlines and hotel partners, including popular options like Air France /Flying Blue, Virgin Atlantic, Accor Live Limitless and Wyndham Rewards.

Note that consumers with a Citi travel credit card get access to all the transfer partners in the program, whereas cash back credit card customers only get access to a few. Ultimately, this is why having the card_name or the older Citi Prestige® gets you a higher average point value overall.

The chart below shows the full list of Citi ThankYou transfer partners and their transfer ratios:

Citi ThankYou transfer partner list

How can you get an average value of 1.8 cents per point or more with Citi ThankYou partners? You can do this by moving rewards from an eligible Citi account to a partner (usually an airline, but sometimes a hotel partner) and making a premium redemption from there.

Consider this example:

Imagine you want to travel to Oslo, Norway in June of next year, and you have a stash of Citi ThankYou points to spend. You could transfer your rewards to the Choice Privileges program and get a transfer ratio of 1:000:2,000, thus doubling your rewards to spend on hotels.

In that scenario, you could transfer 8,000 Citi points to this program, wind up with 16,000 Choice Privileges points and book the Comfort Hotel Grand Central in Oslo for 16,000 points per night.

This hotel has a nightly cash rate of 2,549 Norwegian Krones in June, or $234 USD, so you would be getting a rewards value of a little under 3 cents per point for the 8,000 Citi ThankYou points you transferred.

Now let’s look at an airline partner—specifically, Virgin Atlantic. Imagine you wanted to fly from New York City (JFK) to London, England (LHR). In that scenario, you may be able to book a one-way flight for as little as 10,000 points plus $151.70 in economy class.

For the same travel date, however, you could book the same flight for $466.20 in cash.

When you subtract the $151.70 in airline taxes and fees, this leaves you with a price difference of $314.50. Since the flight would set you back 10,000 Virgin Atlantic points that transfer from Citi at a 1,000:1,000 ratio, this gets you a point value of over 3 cents per point.

You can also use Citi ThankYou points to make purchases on Amazon.com, and doing so will get you a rewards value of 0.8 cents per point. This means 10,000 Citi ThankYou points are worth $80 in Amazon merchandise, which is not the best redemption but not half bad, either.

The same redemption value is also offered for purchases made through PayPal, which could include any of the millions of global retailers that let you pay with this online payment platform.

Shopping with other retailers

You can also redeem Citi ThankYou points for merchandise with other retailers, including Walmart and CVS. However, the redemption values are not great at all since you have to redeem 1,250 Citi ThankYou points for $10 in merchandise.

Also, you can only redeem rewards at these retailers in blocks of $10 for 1,250 points, so this can leave you paying the cash difference for purchases even when you have extra Citi points to spare.

Cash back value

Having the card_name , Citi Prestige®, the card_name , the card_name , or the AT&T Points Plus® Card From Citi helps you get a rewards value of one cent per point in this category.

Citi credit cards also let you redeem for cash back in the form of statement credits, direct deposit, or a check in the mail.

Gift cards value

You can also redeem Citi ThankYou points for a broad range of gift cards from restaurants, retailers, travel brands, and more. The point value you can get for gift cards varies, but you can easily get one cent per point in value if you're flexible on the type of gift card you get.

You can sometimes even get more than one cent per point in value due to Citi's gift card "sales" that change over time. Here's an example of a $25 Hulu gift card you can redeem for 2,250 points. You could also get a $100 Hulu gift card for 9,000 points.

Citi ThankYou points calculator

The Citi ThankYou points calculator can help you figure out what your rewards are worth based on how you plan to redeem them.

Alternative cards to Citi ThankYou points

Citi ThankYou points are a flexible rewards currency you can earn with various Citi credit cards, but there are other flexible currencies out there. The most popular programs include Chase Ultimate Rewards, American Express Membership Rewards and the Capital One Miles programs.

Each of these programs offer the option to redeem rewards through a travel portal or transfer points to various airline and hotel programs if you have an eligible rewards credit card. However, each program has its own unique transfer partners to learn and understand, so you'll want to compare these programs before you decide.

Also, Chase Ultimate Rewards, American Express Membership Rewards, and Capital One Miles let users redeem rewards for non-travel options like cash back, gift cards, and merchandise, albeit with different rewards values overall.

If you're interested in checking out alternatives to the Citi ThankYou Rewards program, consider the following programs and rewards credit cards:

How to combine ThankYou points

The Citi ThankYou Rewards program lets users combine all their rewards points in a single account provided all points belong to the same person. To do this, Citi says you should log into your Citi account and head to the section that says "Manage My Account." From there, you select the option to "Combine My Account" from a drop down menu.

There may be notable benefits that come about if you combine Citi ThankYou points across multiple cards and you happen to have the Citi Premier® Credit Card or the Citi Prestige®. In this scenario, combining Citi points from other Citi ThankYou cards into your Citi travel card account would unlock the potential to transfer points to all Citi ThankYou airline and hotel partners instead of just a few.

How to share ThankYou points

You can also share Citi ThankYou points with someone else and without incurring any fees. There are some "gotchas" though with this option, so make sure you read the fine print and understand the terms before you move your points to another person's account.

Essentially, Citi lets you share up to 100,000 Citi ThankYou points with another person within a calendar year; the same maximum applies to how many points someone can receive. However, shared points must be used within 90 days of the transfer or they become invalid. This means you should only transfer points to another person if they can use them right away.

Also, people who have the Citi Double Cash® Credit Card are not eligible to share points.

What are the worst uses of Citi ThankYou points?

You can redeem your rewards however you want, and there's no need to feel bad about getting less than optimal value. However, some redemptions are less lucrative than others.

The worst uses of Citi ThankYou points include:

Shopping through Amazon or PayPal.com (0.8 cents per point).
Merchandise through Walmart or CVS (0.8 cents per point).
Point transfers to partners that give you less than one cent per point in value.

At the end of the day, you should always try to get at least one cent per point in value for Citi ThankYou points. After all, all Citi cards available to new applicants today offer one cent per point if you redeem for options like cash back or statement credits, so this is the bare minimum you'll want to shoot for.

If you love to travel, you can also get one cent per point in value for airfare, hotels and more through the Citi ThankYou portal. Even better, transferring points to partners can get you an average value of 1.8 cents per point and potentially more than that.

TIME Stamp: Citi ThankYou points are especially valuable for travel

The Citi ThankYou Rewards program is best for people who travel and want to sign up for a travel credit card like the card_name . However, Citi customers with cash back cards like the card_name and the card_name still get access to a variety of redemption options, plus point transfers to a handful of airline and hotel partners.

If you are looking for a flexible rewards currency, however, you'll also want to compare this program to American Express Membership Rewards, Capital One Miles and Chase Ultimate Rewards. Doing so can help you earn the most valuable rewards based on your normal spending and redemption habits.

Frequently asked questions (FAQs)

How much are 50,000 citi points worth.

If you redeem Citi ThankYou points for cash back, 50,000 points can be worth $500. If you redeem for point transfers to partners, 50,000 points are worth an average of $900.

How many Citi points equal $1 dollar?

Generally speaking, 100 Citi ThankYou points equal $1.

How much is 10,000 Citi points worth?

A stash of 10,000 Citi points can be worth $100 in cash back or an average of $180 in travel if transferred to airline or hotel partners and redeemed wisely.

What does 20,000 Citi Points get you?

You can redeem 20,000 Citi points for $200 in cash back or travel in most cases. If you transfer points to an airline or hotel partner first, you'll get an average of $360 in value.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

Should you buy travel insurance for holiday travel?

Published: Nov. 05, 2023, 11:50 a.m.
NerdWallet | special to cleveland.com

Holiday travel can be taxing even without the added stress of disruptions such as cancellations, flight delays or lost bags.

Last winter, Southwest Airlines’ holiday travel meltdown left millions of travelers stranded and angry. Travelers were still filing for compensation for ruined trips weeks later. Consumer complaints against U.S. airlines to the Department of Transportation in February 2023 increased sixfold compared with February 2019, forcing the agency to temporarily stop reporting more data as it processes complaints.

If you’re determined to get your dose of festive cheer, you may wonder if it’s worth paying extra for travel insurance this year. The survey found that 21% of 2023 holiday travelers plan on buying or have already bought travel insurance for their holiday trips, up from 16% last year.

Is flying truly worse?

The post-pandemic travel surge is real. But has the flying experience honestly gotten worse? Let’s take a look at the numbers.

The Department of Transportation releases reports on the performance of the 10 largest airlines and their marketing carriers. An analysis of data through June 2023 (which, it should be noted, doesn’t capture the complete picture of summer travel) by the U.S. PIRG Education Fund found:

The number of airline passengers for the first half of 2023 increased by 11%, to 419.2 million, compared with 2022. That’s almost back to 2019 pre-pandemic levels (419.7 million).
On-time performance for flights in June fell to 71.3%, worse than a year ago. The on-time rate for the first half of 2023, at 76.5%, was slightly better than in 2022, but worse than in 2019.
Flights are fuller this year than they were before the pandemic. More than 419 million passengers traveled in both the first half of 2023 and the first half of 2019. There were, however, fewer flights operated in 2023 — nearly 3.5 million compared with nearly 3.9 million in 2019 — meaning the same number of travelers had fewer flight options.
The flight cancellation rate in June fell to 2.1%, better than a year ago. The cancellation rate for the first half of 2023, at 1.6%, was half of what it was in 2022 and better than in 2019.

So, while travel returns to pre-pandemic levels, travelers have fewer flight options. Given those gloomy statistics, travel insurance is at least worth considering this year.

» Learn more: The busiest days to fly during the winter holidays

What type of travel insurance should you get?

The type of insurance you should buy depends on a few factors, including:

Whether your trip is nonrefundable.
Where you’re going.
If your credit card has built-in protection.
What your health coverage is at the destination.

Let’s assume you’re traveling domestically and already have health insurance coverage. Depending on your age and health, you may not have to pay extra for medical coverage. Note that only some travel insurance policies cover pre-existing conditions .

If you don’t have a credit card with built-in protection or the limits aren’t high enough for you, look into buying a stand-alone travel insurance policy.

Flying home for the holidays may not get any better this year, but having travel insurance could give you some comfort during your trip.

The Fun Things in Life Are Giving Us Buyer’s Remorse

The steeper price we pay for tickets and travel changes our standards for a good time.

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(6 minutes)

Isa Jones paid $375 for a ticket to a local music festival, more than twice what she remembers paying more than a decade ago. “It’s like my happy place,” she said, justifying the expense.

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Enrollment is open for ACA health plans. Here's what's to know about choosing one

Julie Appleby

Open enrollment started Nov. 1 for Affordable Care Act health insurance marketplaces. Carmel Wroth/NPR hide caption

Open enrollment started Nov. 1 for Affordable Care Act health insurance marketplaces.

For millions of Americans who buy their own health insurance through the Affordable Care Act marketplace, the end of the year brings a day of reckoning: It's time to compare benefits and prices, and consider changing to a new plan, or enroll for the first time.

Open enrollment starts Wednesday for the ACA's federal and state exchanges. Consumers can go online, call, or seek help from a broker or other assister to learn their 2024 coverage options, calculate their potential subsidies, or change plans.

In most states, open enrollment lasts through Jan. 15 , although some states have different time periods. California's, for example, is longer, open until Jan. 31 , but Idaho's runs from Oct. 15 to Dec. 15 . In most states enrollment must occur by Dec. 15 to get coverage that begins Jan. 1.

Health policy experts and brokers recommend all ACA policyholders at least look at next year's options, because prices — and the doctors and hospitals in plans' networks — may have changed. Here's what else you need to know.

People bumped from Medicaid may be eligible, and could make it another record year for signups

ACA plans are now well entrenched — an estimated 16.3 million people signed up during open enrollment last year. This year may see even larger numbers. Enhanced subsidies first approved during the height of the COVID pandemic remain available, and some states have boosted financial help in other ways.

In addition, millions of people nationwide are losing Medicaid coverage as states reassess their eligibility for the first time since early in the pandemic. If you're one of those ousted, be aware you could be eligible for an ACA plan. You can sign up as soon as you know you're losing Medicaid coverage — even outside of the open enrollment season.

Applying for health insurance doesn't have to be confusing. Here's a handy glossary

Shots - Health News

In some states, hundreds of thousands dropped from medicaid, assistance from brokers comes with new strings.

An important caution: Don't wait until the last minute, especially if you are seeking help from a broker. Consumers this year will be asked to certify that they voluntarily agreed to brokers' assistance and that their income and other information provided by brokers is accurate.

It's a good protection for both parties, said broker Joshua Brooker , founder of PA Health Advocates in Pennsylvania. But brokers are concerned the requirement could cause delays, especially if clients wait until right before the end of open enrollment to apply.

"Brokers will need to stop what they are doing right at the end before they click 'submit' and wait for the consumer to sign a statement saying they reviewed the policy," Brooker said.

Your premiums could go up — shop around

While some health plans are lowering premiums for next year, many are increasing them, often by 2% to 10% , according to a Peterson-KFF Health System Tracker initial review of rate requests. The median increase, based on a weighted average across its plans for each insurer, was 6%.

Premiums, and whether they go up or down, vary widely by region and insurer.

Experts say that's a big reason to log on to the federal website, healthcare.gov , in the 32 states that use it, or on to the insurance marketplace for one of the 18 states and the District of Columbia that run their own . Changing insurers might mean a lower premium.

"It's very localized," said Sabrina Corlette , research professor and co-director of the Center on Health Insurance Reforms at Georgetown University. "People should shop to maximize their premium tax credit, although that might require not only changing to a new insurance plan, but potentially also a new network of providers."

Most people buying their own coverage qualify for the tax credit, which is a subsidy to offset some, or even all, of their monthly premium. Subsidies are based partly on the premium of the second-lowest-priced silver-level plan in a region. When those go up or down, possibly from a new insurer entering the market with low initial rates, it affects the subsidy amount.

Household income is also a factor. Subsidies are on a sliding scale based on income.

Subsidies were enhanced during the pandemic, both to increase the amount enrollees could receive and to allow more families to qualify. Those enhancements were extended through 2025 by President Joe Biden's Inflation Reduction Act, passed last year.

Online calculators, including one at healthcare.gov , can provide subsidy estimates.

Medicare shoppers often face a barrage of unsolicited calls and aggressive ads

You may qualify for lower deductibles and copays.

In addition to the premium subsidies, most ACA enrollees qualify for reduced deductibles, copayments, and other types of cost sharing if their income is no more than 2.5 times the federal poverty level, or about $75,000 for a family of four, or about $36,450 for a single-person household.

ACA plans are grouped into colored tiers — bronze, silver, gold, and platinum — based largely on how much cost sharing they require. Bronze plans offer the lowest premiums but usually the highest copayments and deductibles. Platinum plans carry the highest premiums but the lowest out-of-pocket expenses for care.

Cost-sharing reductions are available only in silver-level plans and are more generous for those on the lower end of the income scale. New this year: To help more people qualify, the federal marketplace will automatically switch eligible people to a silver plan for next year if they are currently enrolled in a bronze plan, as long as the enrollee has not made an adjustment in coverage themselves.

There are safeguards built in, said insurance expert and broker Louise Norris , so that people are auto-enrolled in a plan with the same network of medical providers and a similar or lower premium. Additionally, nine of the states that run their own marketplaces — California, Colorado, Connecticut, Maryland, Massachusetts, New Jersey, New Mexico, Vermont, and Washington — have enhanced their cost-sharing reduction programs by extending eligibility or increasing benefits.

Some 26-year-olds will get to stay on parents' plans longer

Happy birthday! Existing federal marketplace rules allowing adult children to stay on their parents' plans though the calendar year in which they turn 26, rather than lose coverage on their 26th birthday, were codified into regulation .

States that run their own markets can set similar rules, and some already allow for longer periods on a parent's plan.

Networks may be small – check that your doctors are covered

Insurance plans often try to reduce premiums by partnering with a limited set of doctors, hospitals, and other providers. Those can change year to year, which is why insurance experts like Norris say enrollees should always check their plans during open enrollment to ensure their preferred physicians and medical centers are included in the network.

It's also a good idea, Norris said, to look closely for changes in prescription drug coverage or copayments.

"The general message is, don't assume anything and make sure you check to see who is in the network," Norris said.

Last year, the Biden administration set rules requiring health plans to have enough in-network providers to meet specific driving time and distance standards. A proposal to limit how long patients wait for a routine appointment has been delayed until 2025.

What we still don't know

A few things remain uncertain as the end of the year approaches. For example, the Biden administration proposed this summer to reverse a Trump-era rule that allowed short-term insurance plans to be sold for coverage periods of up to a year.

Short-term plans are not ACA-compliant, and many have fewer benefits and can set restrictions on coverage, including barring people with health conditions from purchasing them. As a result, they are far less expensive than ACA plans. The Biden proposal would restrict them to coverage periods of four months, but the rule isn't final.

Also pending: a final rule that would allow people to sign up for ACA coverage if they were brought to the U.S. as children by parents lacking permanent legal status — a group known as "Dreamers."

KFF Health News , formerly known as Kaiser Health News (KHN), is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF — the independent source for health policy research, polling, and journalism.

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Helping therapists find adventure and freedom through travel jobs

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Understanding Travel Therapy Pay Rates

Today I’m going to help you understand your travel therapy pay rates. In other words, how much money can you make as a traveling therapist? Where does that money come from? And how does the pay actually work? If seeing travel therapy pay rates has left you confused in the past, I’m here to help make it clear.

Travel Therapy Pay: How Does It Work?

As traveling therapists , we get paid differently than we would on a normal salary or hourly rate – such as at a permanent, full-time job.

But why is that? For one, we don’t work annually. Instead, we’re working on a week-to-week basis (for our 13-week contract), so we don’t discuss pay in terms of an annual salary. We also don’t discuss pay in terms of a strict ‘hourly’ rate, because we often receive tax-free stipends as part of our weekly pay.

So as a traveling therapist, you’re going to be paid a taxed hourly rate . Pl us you receive a stipend for housing, meals, and incidents (which is usually untaxed, as long as you meet the requirements of a proper tax home ).

If you maintain a “Tax Home” at your permanent residence and travel to an assignment away from your home for work, you can get a tax break on the stipend part of your pay for housing. At the end of the day, since you don’t have to pay taxes on that part of your pay, you often end up making more money after taxes than at a regular job, where all of your pay is taxed.

The thing to understand here is that you’re not just getting paid for the hourly work that you do. You’re also receiving reimbursement for the expenses that come with being a traveler and not living in a place full-time.

And some travel therapists can receive additional reimbursements for things like their state license, scrubs, and mileage/travel to get to the assignment.

Your pay is going to be broken into segments that make up your “Pay Package“: Hourly Rate + Stipends/Per Diems + Reimbursements .

a visual of a travel therapy pay rate package broken into taxed and untaxed portions

Who pays you as a travel therapist? & What is a Bill Rate?

Now we’re going to talk about who is actually paying you – in other words, who you work for! This will help you understand what a bill rate is and what factors are determining your take-home pay.

It’s important to note that you’re an employee of your recruiting company , not the contract facility where you’re working. The recruiting company is the one paying your salary and providing you with benefits. Your travel therapy pay will come from the recruitment office, and you’ll be negotiating your pay package as a traveler with your recruiter.

The money that the recruiting company receives from the facility (hospital, home health agency, SNF, etc) is called the ‘Bill Rate’.

To keep things simple, the bill rate is the hourly rate that the facility is paying for travelers . It’s the money that you and the recruiting company share for the work done. Yup, it’s the money that pays you, but it’s also the money that the recruiting company uses to pay their recruiters, pay for insurance costs, and the coffee brewed in the break room.

A lot of times, the recruiting company might not tell travelers exactly what the bill rate is. Here’s a great article that Blue Pipes shared about why that is .

When you’re talking to your recruiter about a potential job they’re going to talk to you about your “ Weekly Take-Home ”. The weekly take-home is the money that you’re going to make every week (between your stipends and hourly rate).

a photo of a permanent therapist versus traveling therapist discussing pay rates

Who determines the travel therapy bill rate?

Because we get paid by our staffing agencies, it is a common misconception that the staffing agencies set the travel therapy bill rate. This is false.

The travel therapy bill rate is actually determined by the facility that is employing you. So the hospital, school, home health agency, clinic, etc are the ones who determine the rate. They then submit that rate to the staffing agency and the agency uses that rate to determine your pay package.

How do you calculate a “Weekly Take Home” number?

You take the hourly rate and multiply it by the hours you worked. For example, $20/hr x 40hrs = $800

Then, you subtract out the taxes you have to pay on that amount, which depends on your state and your tax filing status (for example single/married and if you claim dependents).

So let’s say you owed 30% taxes, it would be $800 x 70%= $560 after taxes

Then, you’ll add in your weekly stipends, for example, $1000/wk total for meals/housing/incidentals.

So if your pay was $20/hr + $1000/wk stipends, your “weekly take home” amount would be: $560 (after taxes) + $1000 (untaxed) = $1560/wk after taxes!

Is there money outside of the Bill Rate?

Nope, not at all. The bill rate pays for everything when it comes to working as a traveling therapist. It pays your bills, your housing, the bills of your recruiter, and keeps the recruiting office running.

The goal of the whole traveling healthcare industry is to get qualified skilled travel therapists (you!) to a place that needs us to fill a gap in their patient care . So the facility that needs the assistance is going to determine the hourly rate they can afford to pay, to have us come.

Our recruitment agencies do a ton of work for both the travelers and the facilities. They also take away some of the liability. Most of them carry extensive medical malpractice policies to cover their therapists if they get sued (which happens).

Remember, we work for the agency, not the facility, so everything from medical malpractice to short or long-term disability is paid for by them. These things can be crazy expensive, and they only get that money from the bill rate.

It’s important to note that the bill rate is not “our” money as travelers. Only part of it is (the pay rate). The bill rate was designed to be shared between us and every person who helped get us to that job.

How much say do you have in what you get paid?

Once the money gets to the travel company, they’ll decide how to divide it up for the traveler (you!). And this is where you’ll have some input into your weekly take-home. The money can be allocated in different ways to maximize the tax benefits for you and the agency. As long as they’re following the IRS guidelines for per diems , they can put more money towards your housing/food stipend. This money goes untaxed (usually) and less money towards your hourly pay (which is taxed).

The really important thing here is that none of this is ‘free’ money. There isn’t any free money lying around. You can think of this as a pie. You and the recruiting company are sharing the pie, and you can cut the pie in various ways to make the deal sweeter for both parties. No matter how you cut it though, it’s always the same pie.

Some recruiting companies use gimmicks to make it seem like you’re getting more out of the deal. They’ll say things like, “You’ll get a tuition stipend!” or “We offer bonuses for this or that!” but as a savvy traveler, you’ll know that the money has to come from somewhere .

Either, that money comes directly out of the bill rate for that specific contract, or, the travel company might allocate a particular budget to a department to give out money for things like licensure costs or bonuses. At the end of the day, don’t get dragged into the ‘extras’ because it’s always going to affect your weekly take-home pay.

How much money do travel therapists normally make?

Your pay as a travel therapist is still going to vary greatly. (I know by this point you just wanted me to tell you how much money you’ll make!) Your travel therapy pay will be determined by the facility, the location, season of the year (e.g. flu season tends to have higher contract rates), and your recruitment company. This is all very important to keep in mind if you’re trying to compare your weekly take-home pay between two agencies or two potential contracts.

What’s a typical range?

At the time of writing this article, a typical range for a traveling therapist’s pay is going to be around $1500-1800/wk after taxes (for Speech Language Pathologist!). That’s the typical range for physical and occupational therapists as well. If you’re a PTA/COTA, you could see pay typically between $1000-1300/wk.

Home health is typically the highest paying traveler job, while an SNF Is typically going to be the lowest. Outpatients, schools, and hospitals tend to fall somewhere in the middle. Higher paying areas are typically on the west coast – particularly in California. And of course, your travel company makes a difference too! That will be determined by how much they keep for their own overhead.

What percentage of the bill rate do travel therapy agencies keep?

According to SIA (Staffing Industry Analysts) data, staffing agencies on average keep 23% of the bill rate for their gross margin and approximately another 5% of the bill rate to pay your benefits. If the staffing agency has to pay a vendor for access to a job (this is very common), another 3-9% of the bill rate might go towards paying the vendor.

The means that you might receive anywhere from 25-35% on average of the bill rate in your pay. These numbers can definitely vary.

Breakdown of a typical travel therapy pay package

51% package goes to travelers hourly rate
21% to tax free housing, meals, and incidental expenses
5% to travelers benefits such as workers compensation, malpractice insurance, health insurance, and other benefits
23% to the travel therapy staffing agency gross margins which goes to pay all of their business expenses (payroll, staff, offices, office supplies, desks, marketing, consultants, lawyers, etc.)

Here is a visual to help you understand:

An image describing the breakdown of travel therapy pay from the bill rate

Nothing is Free

The biggest take away that I hope you learn from this article is that nothing in a travel therapy pay package is free. Everything you get in reimbursement from your pay package all comes from one bill rate. Don’t be fooled with tactics like “free housing”, “free bonus”, or “free CEU or scrub reimbursement”. They are all a distribution of your money.

The Bottom Line

So as you can see, one of the biggest benefits of working in traveling healthcare is the ability to make more money . Your travel therapy pay will be higher than you would at a typical full-time job where you live. But there are so many factors that go into your travel therapy pay. And understanding bill rates and take-home pay can be confusing. Here’s my biggest advice that I hope you take away from this article.

Don’t focus so much on bill rates. Instead, learn to read your pay packages and how to get high offers.
NOTHING IS FREE! Everything comes out of your bill rate and if you increase one thing (such as a reimbursement), you will be lowering something else over the course of your contract.
Always keep in mind the benefits that you need, as they can impact your take-home pay a lot.
Look out for overtime and extra shift bonuses
Try and work with 3 honest recruiters and compare offers between each assignment you are setting yourself up for fair pay every time!
Use the fair pay calculator from Nomidcare – this is the tool that will help you negotiate!

Learning and understanding how pay works before you dive in and get started as a traveler is so important! To learn more, check out this Comprehensive Course for Travel Therapists . I have an entire lesson on understanding and maximizing your pay! Please contact me if you have questions about getting started with your travel therapy journey and get recommendations for great recruiters from Nomadicare ! Nomadicare is who I use to connect with recruiters when I need to find a new one!

How I Became a Traveling Speech Therapist
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Travel OT: The Ultimate Guide

Buying Annual Travel Insurance Over 65

How long is your trip?

Some annual travel insurance plans limit the length of covered trips. If you're planning an around-the-world trip or a long stay abroad in a remote area, consider purchasing an AllTrips Premier Plan that covers emergency medical transportation for trips up to 90 days.

Are you planning any high-risk adventures?

When you're shopping for annual travel insurance over 65, you should look for a plan that includes emergency medical and dental care, as well as coverage in case of a travel accident. But keep in mind that many annual travel insurance plans will not cover your medical care if you sustain injuries from high-risk activities. Examples include skydiving, caving, mountain climbing or participating in any athletic competition.

Do you have any pre-existing medical conditions?

A special consideration for people buying annual travel insurance over 65 is existing medical conditions, which many plans do not cover. What does that mean? An existing medical condition, as a travel insurance plan may define it, is an illness or injury that you were seeking or receiving treatment for, or had symptoms of, on the day you purchased the plan or at any time in the 120 days before you purchased it. Talk to your travel insurance provider about options for travel insurance with coverage for pre-existing conditions.

What's in your suitcase?

In 2012 major U.S. airlines reported nearly 1.8 million pieces of luggage as lost, stolen or damaged on domestic flights. When you're buying annual travel insurance over 65, look for a plan that offers coverage for the contents of lost, damaged or stolen baggage. Check the fine print, too. Does your yearly travel insurance plan cover actual price - the amount it would cost to buy a similar item? Or actual cash value - the item's current market value? Having receipts for your valuable property is essential. Also, some annual travel insurance plans have limits for the total dollar amount covered. So when in doubt, leave the diamonds at home.

Planning and Luxury Adventure Travel For Seniors
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Legendary Indiana basketball coach Bob Knight dies at 83

BLOOMINGTON, Ind. – Iconic as he was controversial, Bob Knight for decades embodied the spirit of basketball in a corner of the world mad about it. His hard-nosed, fundamentals-driven style and attention to detail became deeply rooted in the culture of the sport for basketball fans in southern Indiana and elsewhere, his admirers standing as ardently by him as his critics often chastised him.

At the height of his success, few in the sport were more recognizable, or more noteworthy.

Knight died in Bloomington, according to a post on bobknight.com , a website that represents Knight and his foundation. The school later confirmed Knight's death, announcing his passing ahead of the Indiana women's exhibition game Wednesday at Assembly Hall. He was 83. 

Knight was renowned for his extremes — an irrepressible winning habit juxtaposed against a fiery temper — which brought him both fame and notoriety. Each helped define one of college basketball’s most distinctive personalities for his 42 years as a head coach.  

An Orrville, Ohio, native who played at Ohio State collegiately, Robert Montgomery Knight was part of Fred Taylor’s 1960 national championship-winning team that also included future NBA Hall of Famers John Havlicek and Jerry Lucas. 

Remembering those we lost: Celebrity Deaths 2023

Knight would make his greatest impact running his own sideline. After graduating from Ohio State, Knight briefly worked as a high school assistant before taking a similar position at Army, under Tates Locke. He replaced Locke as head coach in West Point in 1965.

Over six seasons, Knight won 102 games at Army, with four 18-win seasons and only one year under .500. That work prompted the move that would come to define both Knight’s career and the program that lured him away from the service academy. 

50 years ago, IU hired Bob Knight. 'Knight will never make it here.' Oops.

In 1971, Knight was hired as head coach at Indiana, a Big Ten school with two national championships but some ways removed from its best years under Branch McCracken. Knight almost immediately restored the Hoosiers among college basketball’s elite, advancing to the Final Four in his second season and winning a national title in his fifth. 

His 1975-76 team remains the last in Division I men’s basketball to complete a season undefeated , 32-0.

Those teams were widely considered his best, or at least the most reflective of Knight’s tenacious style.

Between 1974 and 1976, Indiana lost just once, in a regional final to Kentucky with star forward Scott May severely limited by injury. Members of both the 1974-75 team and its immediate successor have since suggested the former squad might have been the better overall, even if the latter finished its undefeated season and won Knight’s first national title. 

But 1975-76 returned a hardened core of experienced players and good defensive balance. It battled all the way to the national final before losing Bobby Wilkerson to injury. Just as it had lost May.

“Coach didn't write anything on the board, and for a while he didn't say a word,” Scott May told Sports Illustrated in 1995. “Then he said, ‘If you guys want to be champions, if you want to make history and do something that maybe no other team will ever do, you've got 20 minutes to prove it.’ And that was it. Somebody told me later he had waited two years to be in a position to say that.”

Knight would go on to win two more national titles at Indiana, in 1981 with future NBA Hall of Fame point guard Isiah Thomas, and in 1987, when Steve Alford set what was then an all-time Indiana scoring record.

Calbert Cheaney would later break that record, and the Big Ten career scoring mark as well, among the most notable of dozens of records with Knight’s fingerprints on them. 

Of Indiana’s top 25 all-time scorers, 14 played some or all of their careers for Knight. Five of the Hoosiers’ top 10 rebounders did the same. So did 10 of Indiana’s top 15 assists leaders.

In total, Knight won 662 games at Indiana, most in program history by some distance. Among Big Ten coaches with at least 10 seasons service in the conference, only Bo Ryan and Thad Matta surpassed Knight’s win percentage (.731), and neither spent anywhere near as many years in the league. 

Knight’s 353 conference wins were a Big Ten record until 2022, and his 11 league titles tied him with former Purdue coach Ward “Piggy” Lambert for most all-time.

When he retired in 2008, Knight’s 902 wins were an NCAA Division I men’s record, one later surpassed by Duke coach Mike Krzyzewski, who played for Knight at Army and coached under him for one season in Bloomington. 

Controversy often accompanied his successes.

Knight was infamous for his temper, which he directed at everyone including referees, administrators, officials and his own players. He was accused of assaulting a police officer in Puerto Rico in 1979, while coaching a U.S. team there in the Pan American Games. His comments about sexual assault in a 1988 interview drew nationwide criticism. 

But Knight was forever and inextricably attached to two incidents.

In 1985, during a home game against Purdue, incensed by an officiating decision to the point of drawing a technical foul,  Knight then threw a chair from the IU bench across the Assembly Hall floor while Purdue guard Steve Reid stood at the line to shoot free throws. 

In 1997, Knight was captured on videotape with his hand around the neck of one of his players, Neil Reed, during practice. The videotape was later published by CNN/SI. 

That topped a mounting series of incidents that moved IU’s administration to put Knight on a “zero tolerance” policy for bad behavior. When he allegedly grabbed an IU student on campus in the fall of 2000, he was fired from his job. 

Knight eventually took the head coaching job at Texas Tech, where he won 138 games and qualified for the NCAA tournament four times in six-plus seasons in Lubbock. 

After retiring in 2008, Knight worked for ESPN as a college basketball analyst before largely retreating from public life.

For nearly two decades, he also retreated from — and at times publicly scorned — the university where he enjoyed his greatest success.

Knight spent almost 20 years estranged from his former program, uninterested in reconciliation following his dismissal in 2000. But that cold war would eventually end.

With no forewarning or fanfare, in April 2019, Knight  attended an IU baseball game against Penn State. Unannounced, the former Indiana coach was guided through the Bart Kaufman Field crowd in a golf cart driven by an athletics employee. He took in the game, then departed as quietly as he had arrived.

Later that year, Knight and his wife moved back to Bloomington. Former players stopped in to visit. Knight's relationship with IU appeared to be thawing.

It did for good on Feb. 8, 2020. Flanked by his son, Pat, and numerous other former players, Knight took the Assembly Hall floor to thunderous applause during a halftime ceremony held in his honor.

"This," former Hoosier Randy Wittman said that afternoon, "is where he belongs."

Mike Woodson, who alongside Wittman and a close circle of others helped persuade Knight to finally return to Indiana, was hired from the NBA to coach his alma mater in March 2021. From that point forward, Knight was a fixture behind the scenes, regularly attending team practices. Knight lived out his final years in Bloomington.

Perhaps the most poignant public moment in his later years between Knight and the fan base that adored him for nearly three decades came in March 2017. 

Knight co-hosted a speaking engagement in the gymnasium at Bloomington High School North alongside longtime confidant and former Bloomington Herald-Times sports editor Bob Hammel. Knight and Hammel spent the evening reminiscing about Knight’s tenure, trading memories and interacting with a crowd nearly 3,000 strong.

Near the end of an event that ran more than two hours, Pat Ryan, wife of the late IU president John Ryan, took a microphone and spoke to Knight.

“Thank you, on behalf of all of these people,” she said. “We miss you.”

As Knight stood to exit the gym, the crowd rose to its feet in applause. Knight waved.

“I’ll remember that until I’m gone,” he said. “You are the best fans in the history of college basketball.”

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Quiz on Empowering Youth with ‘Travel for LiFE’!

Travel for LiFE – A Sectoral Initiative of Mission LiFEwas launched by the Ministry of Tourism during the Third G20 Tourism Working Group (TWG) meeting in Srinagar on May 24th 2023.

In line with the philosophy of Mission LiFE, an initiative to bring individual action to the forefront of climate change, Travel for LiFE has been formulated in convergence with the National Strategy for Sustainable Tourism.

Travel for LiFE aims to sensitize and mobilize the power of youth in the country to position India as a Global destination for sustainable Tourism. The program enlists activities under the two major pillars of the National Strategy i.e. Information Education and Communication (IEC) and Capacity building.These activities are further categorized into simple and easily implementable everyday actions and are more effectively implemented if it is driven by the young population of the country. The program also proposes various contests such as clean up and plantation drives, local rides, co-creating experiences with locals, etc and social media awareness campaigns to engage the youth and others in the process of implementation. With over 65 percent of India’s population being composed of youth, there is an opportunity to utilize the youth’s potential to influence tourists’ and tourism businesses’ to adapt to more sustainable practices thereby bringing India closer to achieving the U.N SDGs.

To acknowledge and felicitate the participants the Ministry of Tourism is running the quiz . Each participant of the quiz shall be rewarded with an e-certificate

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Rates are available between 10/1/2021 and 09/30/2024.

The End Date of your trip can not occur before the Start Date.

Traveler reimbursement is based on the location of the work activities and not the accommodations, unless lodging is not available at the work activity, then the agency may authorize the rate where lodging is obtained.

Unless otherwise specified, the per diem locality is defined as "all locations within, or entirely surrounded by, the corporate limits of the key city, including independent entities located within those boundaries."

Per diem localities with county definitions shall include "all locations within, or entirely surrounded by, the corporate limits of the key city as well as the boundaries of the listed counties, including independent entities located within the boundaries of the key city and the listed counties (unless otherwise listed separately)."

When a military installation or Government - related facility(whether or not specifically named) is located partially within more than one city or county boundary, the applicable per diem rate for the entire installation or facility is the higher of the rates which apply to the cities and / or counties, even though part(s) of such activities may be located outside the defined per diem locality.

2024 University-National Oceanographic Laboratory Marine Technical Internship Program

The U.S. Academic Research Fleet of UNOLS-designated research ships will host 1 long-term (approximately 6 months) and 12-14 short-term (2-12 weeks each) marine technical internships in 2024. Departure dates will depend on the schedule of each research cruise. We will first select candidates for internships starting in Winter, Spring, and then in Summer and Fall. Apply early if you are available the entire year in 2024; applications will stay on file.

The selected interns will work with marine technicians and other crew members on shore and at sea and learn how to operate and maintain a variety of scientific and navigational equipment in support of shipboard scientific research. Interns will work, eat, and sleep aboard the research vessel, and be provided lodging off ship as needed. Shipboard sleeping arrangements vary vessel to vessel. The program will pay a stipend of $600 per week plus airfare, lodging and other approved travel expenses. Internship projects will vary from one hosting organization to another and correspond to the objectives set by each specific cruise mission. Previous interns have worked on cruises to support science projects ranging from chemical oceanography to marine biology, seafloor mapping surveys, geological studies, ROV missions, and much more! Many successful internships have resulted in job offers. Please email Maria Osiadacz, Program Manager, [email protected] , with questions about the program and life aboard research vessels.

To apply, read the requirements listed below, prepare your documents and complete the online application:

ONLINE APPLICATION FORM

Requirements:

Applicants must be at least 18 years of age and be U.S. citizens, U.S. nationals, or U.S. permanent residents.
A valid U.S. passport is required for internships that require international travel.
Applicants must be enrolled in or graduated from an accredited higher education institution in the U.S.
Applicants should be interested in the field of Marine Technology in support of oceanographic research.
Previous time at sea is not required, but highly desirable. Being on a multi-week research cruise is not a good time to learn you are not able to work due to motion sickness.
Applicants may be required to provide proof of COVID-19 vaccination and be tested before boarding the ship.

Required references and supporting documents (in PDF or Word format only):

Contact information for three (3) professional references.
A cover letter addressed to Maria Osiadacz, Program Manager, describing why you are interested in Marine Technology, and why you believe you’re an ideal candidate for the internship program.
Your most current professional resume.
A copy of your unofficial transcript(s).
A letter of recommendation from an instructor or a supervisor, preferably someone who has knowledge of your technical skills. If your professional reference prefers to submit a letter directly to the Program Manager, please share this link with them: 2024 UNOLS-MATE Internship Recommendation Form

Anyone who applied to the 2023 program or prior can contact [email protected] to request a copy of previous application responses. A new application form with updated supporting documents is required to be considered for the 2024 program.

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