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Africa

Some moments I could portray with my camera during my time in Africa. I was in Africa for 6 months working as a volunteer in Mozambique. I had many different tasks and carried with my camera everywhere I went in.
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@alise Hi, yes I am from Colombia, and you?
Cool, but arent you from Colombia ??
For 6 months. Now I am back in US
those photos was really nice !! :) looks really good !I love it ! How long did you stay in Africa?
@keykekeke When did you come? it is a wonderful place
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How can I get my refund back from Flair Air?
Some passengers are ready to go on a trip to their dream destination, but suddenly due to some issues, their plan fails to execute, and they cancel their flight tickets that they have booked on Flair Air. In this situation, passengers are not aware of how they can ask for a refund from the airline. Sometimes, they ask from Flair Air Customer Service but cannot understand the process during the calling process. Flair Air is a low-fare airline with many facilities that will benefit the passengers.  Some passengers are not aware of the airline's facilities and how they will claim their money back for canceled flight tickets. The process is as follows: Here are steps to get the money back from Flair Air: * Before requesting money back from the airline, passengers need to cancel their flight tickets. * Open the official site of Flair Air, and tap on the ‘manage my trip’ option. * A tab will prompt on the screen, where you need to enter your ticket's credentials like the number and last name of the traveler. * Tap on the cancel the button option, and flight tickets will get canceled. Immediately after canceling the flight tickets, passengers need to search for the ‘refund link’ present on the airline's homepage.  * Fill out the form with the relevant details as asked by the airline. Submit the form to the airline.  * If forms are accepted by the airline, passengers will be credited with all the refunded money by the airline in the same way it was paid for the flight tickets. If there are cancelation charges by the airline, passengers have to pay them, or they will get deducted from the refunding money. For the passengers who cannot get the money back from Flair Air, they can follow the steps given above in the points. Some passengers might ask How Do I Get In Touch With Flair Air? They can call them on their official contact number and ask the solutions to the questions. 
How long does it take for Lufthansa to refund?
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Going on Vacation This Summer? Welcome to the 'Revenge Travel' Economy
The clock had not yet struck noon on a recent sunny day in Copenhagen, but the hour didn’t stop Hannah Jackson and her friends from ordering a bottle of Champagne. After the waiter at one of the outdoor restaurants that line the Danish capital’s colorful harbor popped the cork, the four women from Texas gleefully toasted to their European adventure. “This is my first trip in more than two years,” said Jackson, 32. “We are celebrating every moment we can.” Because no phenomenon can be real until it can be hashtagged, the travel industry has been quick to brand the impulse driving Jackson and countless others this summer as “revenge travel.” Likerevenge spendingand evenrevenge bubble-tea drinking, the phrase refers to consumers’ increased willingness to cough up cash after 28 long months of lockdowns and restrictions. In travel’s case, that means a newly unbridled demand for vacations that are more frequent, more indulgent, and—more than anything—far from home. That demand got a boost on June 13 when the U.S. stopped requiring a negative COVID-19 test for entry. But as it rises to and even surpasses pre-pandemic levels, a host of challenges, from inflation to war to, yes, the lingering threat of COVID-19, casts a shadow on the rosy predictions of a rebound. Will this be the summer in which the travel industry does indeed get revenge on the pandemic? Or will its hopes be dashed once again? “The truth is that tourism is rebounding very, very quickly,” says Luís Araújo, president of the European Travel Commission (ETC), which represents the continent’s national tourism organizations. “It’s quite impressive.” At this juncture, revenge travel looks to be off to a good start. Among Europeans, 70% are planning vacation trips between now and November, according to an ETC survey. The numbers are almost as strong among Americans, with 65% planning leisure trips within the next six months according to MMGY Travel Intelligence, a global marketing and research company based in Kansas City. According to Mastercard, bookings on short and medium-haul flights have surpassed pre-pandemic levels. And travel searches for the first quarter of 2022 were above their 2019 levels, according to Google, while searches for passport appointments jumped 300% in the first three months of this year. “Pent up demand is already delivering rapid growth,” says David Goodger, Europe director for Tourism Economics, a U.K.-based company that provides forecasting and analysis to the travel industry. It’s driven, he adds, “by excess savings accumulated during the period when people couldn’t spend or travel as usual.” Those extra savings are affecting not only the amount of travel people are undertaking but the kind of travel as well. After decades of appealing to budget travelers with low-cost flights and party buses, many European destinations are emerging from the pandemic with a new emphasis on upscale travel. “A lot of enterprises, big and small, have spent the past two years renovating their facilities, upgrading, investing in their hospitality—adapting to the new needs of the customer,” says Araújo of the ETC. “We also see a lot of countries adjusting their communication to high-end travel.” Certainly companies that specialize in high-end travel are experiencing a boom. At Black Tomato, a luxury tour company with headquarters in London, the interest in itineraries that have guests island hopping in Greece or bottling their own perfumes in Provence is at record levels. “Demand for Europe is insane right now,” says Brendan Drewniany, director of communications. “We’re advising our clients that if they want to go to specific destinations in Europe at this point they’re going to have to be pretty open-minded about alternatives.” Those extra savings are affecting not only the amount of travel people are undertaking but the kind of travel as well. After decades of appealing to budget travelers with low-cost flights and party buses, many European destinations are emerging from the pandemic with a new emphasis on upscale travel. “A lot of enterprises, big and small, have spent the past two years renovating their facilities, upgrading, investing in their hospitality—adapting to the new needs of the customer,” says Araújo of the ETC. “We also see a lot of countries adjusting their communication to high-end travel.” Certainly companies that specialize in high-end travel are experiencing a boom. At Black Tomato, a luxury tour company with headquarters in London, the interest in itineraries that have guests island hopping in Greece or bottling their own perfumes in Provence is at record levels. “Demand for Europe is insane right now,” says Brendan Drewniany, director of communications. “We’re advising our clients that if they want to go to specific destinations in Europe at this point they’re going to have to be pretty open-minded about alternatives.” But we have been here before. In fact, the notion of revenge travel first emerged ahead of the summer of 2021, when everyone thought the worst was over and the world would soon open up again. In many ways, it did. Domestic travel in many places surged to nearly 90% of its 2019 rates that summer, and, as MMGY senior analyst Leanne Hill points out, tourists spent unusually high amounts that were, she says, “largely revenge-travel oriented.” But slow vaccine rollouts and adoption rates, coupled with the slew of ever-changing travel restrictions and newly emerging virus variants ultimately stymied expectations. International tourism was down 67% in July 2021 over its rates that same month in 2019. This time around, the obstacles to the fulfillment of travel fantasies, vengeful and otherwise, are less about the virus (all of the experts TIME consulted agreed that there was little tolerance for more lockdowns and restrictions) than other ills that have sprung up in its wake. “Inflation and staff shortages is the twin-headed monster threatening the travel recovery this summer,” says Tourism Economics’ Goodger. Staffing shortages are cutting into service across Europe. Many hotels have responded by automating some aspects like check in, and trimming once routine benefits like daily room cleaning. Restaurants from Copenhagen to Madrid have cut their operating hours and, in some cases, shut down altogether. But perhaps nowhere is the impact of the shortage on travelers clearer than in the scenes of chaos emerging from airports across Europe and the United States: flight cancellations, long waits for baggage that frequently fails to appear altogether, excruciating lines through security. “Demand is ramping up much more quickly than businesses, having shed workers during the pandemic, have been able to recruit for,” says Goodger. And although American travelers are, according to MMGY estimates, planning on spending an average of $600 more per trip than they did a year ago, it’s unclear, analyst Hill says, “whether that’s because of increased costs or overall willingness to spend more.” There are clear signs, she adds, inflation is definitely starting to bite. “We’re beginning to see travel intentions start to erode slightly, particularly among travelers making less than $100,000.” Those concerns are echoed among Europeans travelers, according to the ETC, which found that while only 7% of travelers expressed concern about inflation and costs affecting their vacations in 2021, 13% do so now. At the high end too, pricing is “definitely a real challenge,” says Black Tomato’s Drewniany. “Hotel properties are all still recouping and it’s not that they’re trying to be extortionist, but prices are definitely worse. So it’s a challenge to explain and translate that to clients.”
Ai nên là người quản lý chi tiêu trong gia đình?
Nói đến việc quản lý tài chính trong gia đình, phụ nữ chẳng hiểu nổi vì sao đàn ông lại có thể chi tiền triệu cho một bữa nhậu. Trong khi đó đàn ông cũng cảm thấy vô lý khi vợ mình mua chiếc túi xách hết cả nửa tháng lương. Tiền bạc đôi lúc là vấn đề chính gây ra xung đột giữa vợ chồng nếu cả hai không có sự thống nhất và trao đổi thẳng thắn với nhau về tiền. Vậy vợ chồng nên quản lý thu chi thế nào để không gặp trục trặc trong hôn nhân? Câu trả lời sẽ có trong bài viết dưới đây. Tiến sĩ Giáo dục Nguyễn Phương Chi, tác giả của Blog nổi tiếng “The Present Writer” đã chia sẻ 3 cách quản lý thu nhập phổ biến trong gia đình. Mỗi phương pháp đều có những ưu nhược điểm riêng. Vì vậy bạn cần cân nhắc kỹ khi áp dụng cho gia đình mình. Nếu có thể, hãy thử nghiệm cả 3 phương pháp này trong ít nhất một tháng để biết được phương pháp nào phù hợp với mình nhất. Kiểu 1: Chỉ vợ hoặc chồng giữ tiền Có thể thấy, đây là kiểu quản lý tiền bạc phổ biến nhất trong mỗi gia đình Việt. Vợ hoặc chồng sẽ là người nắm giữ toàn bộ thu nhập và phụ trách chi tiêu cho cả gia đình. Hầu hết trong mỗi gia đình Việt vợ là người quán xuyến hết tiền bạc. Ưu điểm Thu nhập được kiểm soát tập trung, chặt chẽ và dễ dàng quản lý. Nhược điểm Áp lực trong mọi quyết định tài chính sẽ đè nặng lên một người, người còn lại dễ trở nên bàng quan và thiếu sự đồng cảm nếu đôi bên không thường xuyên chia sẻ. Giải pháp:  Trong gia đình, ai cũng muốn mình là người có quyền đưa ra quyết định tài chính. Tuy nhiên, chuyện quản lý tiền bạc lại là vấn đề chung. Bất kỳ quyết định nào liên quan đến tiền bạc đều nên có sự đồng thuận của cả hai để xây dựng sự tin tưởng ở nhau. Ngoài ra, tiền nên được giao cho người có khả năng quản lý tài chính tốt hơn chứ không nhất phải là người vợ hoặc người kiếm được nhiều hơn giữ tiền. Người cầm tiền cũng phải là người biết sắp xếp thu chi rõ ràng và minh bạch, luôn có sự thỏa hiệp trong mọi quyết định tài chính của gia đình. Kiểu 2: Tiền của ai người nấy giữ Đây là kiểu mỗi người sẽ tự quản lý thu nhập của mình, chỉ đóng góp một phần vào chi tiêu chung của gia đình như tiền sinh hoạt, ăn uống, học phí cho con cái,... Tiền của ai người nấy giữ và chỉ đóng góp cho khoản chung của gia đình. Ưu điểm Đôi bên sẽ có được sự tự do tuyệt đối với đồng lương của mình sau khi đã đóng góp một khoản cho gia đình. Mọi thứ đều được phân chia rạch ròi, tránh va chạm lẫn nhau. Nhược điểm Thiếu cái nhìn tổng quát về tình hình hình tài chính chung của cả gia đình: Người này có thể không biết người kia kiếm được bao nhiêu tiền và chi tiêu vào những gì? Khi gia đình có những mục tiêu tài chính lớn như mua nhà, mua xe, đầu tư hay tiết kiệm thì sẽ rất khó để thống nhất và thực hiện hiệu quả. Thiếu công bằng nếu một trong hai người không có nguồn thu nhập ngang nhau. Đôi khi sẽ gây ra áp lực hoặc bức bối cho người còn lại khi không đủ tiềm lực tài chính để đáp ứng cho các khoản chi tiêu chung của gia đình. Giải pháp: Trong hôn nhân không nên có bí mật tài chính giữa hai người. Do đó, cả hai vợ chồng nên công khai thu nhập và phân chia tỷ lệ đóng góp cho gia đình theo mức thu nhập của mỗi người. Chẳng hạn nếu người chồng có thu nhập cao hơn, chi tiêu nhiều hơn thì có thể đóng góp 60% lương tháng cho quỹ chung thay vì chia 50-50 như thông thường. Đồng thời, rạch ròi trong tài chính là tốt nhưng vẫn cần có sự trao đổi thường xuyên giữa vợ chồng để gắn kết và thực hiện mục tiêu tài chính chung hiệu quả. Kiểu 3: Hai túi tiền thông nhau Vợ chồng sẽ hợp nhất thu nhập của mình lại và cùng nhau quản lý chi tiêu đồng đều. Thu nhập sẽ được phân chia cho các khoản cố định hàng tháng, khoản tiết kiệm, đầu tư và có cả khoản tiền tiêu riêng của mỗi người. Để dễ dàng theo dõi, vợ chồng nên có một tài khoản ngân hàng chung, khi một người rút tiền để chi tiêu cho việc nào đó, người còn lại cũng sẽ theo dõi được. Cùng chia sẻ và quản lý tài chính trong gia đình sẽ giúp cả hai gắn kết hơn. Ưu điểm Mọi thứ đều rõ ràng và minh bạch. Vợ chồng có tiếng nói chung, phấn đấu vì mục đích chung nhưng vẫn có sự tự do nhất định. Nhược điểm Chi tiêu không tập trung nên khó quản lý và đôi khi tạo ra sự bất đồng nếu cả hai không thường xuyên trao đổi và có kế hoạch tài chính chung rõ ràng. Giải pháp: Trang bị kỹ năng quản lý tài chính cá nhân và dựa vào điểm mạnh của đối phương để đưa ra những quyết định tốt nhất. Cần có sự thống nhất trong kế hoạch phân bổ thu chi cho gia đình. Nếu nhận thấy cả hai có một vài điểm bất đồng ý kiến, hãy trình bày rõ ràng về quan điểm của mình để cùng nhau tìm ra cách giải quyết phù hợp. Sau cùng, dành cho những cặp vợ chồng hay chi tiêu qua thẻ chung, bạn cần sử dụng thêm app quản lý chi tiêu để dễ dàng theo dõi và kiểm soát nguồn tiền. Hiện nay, một số ứng dụng đã cho liên kết với tài khoản ngân hàng có thể kể đến như Misa, Money Lover, Mint, YNAB,... Tựu chung, không quan trọng ai là người giữ tiền, quan trọng là vợ chồng bạn chọn được cách quản lý thu chi phù hợp với hoàn cảnh gia đình mình. Điều quan trọng để tài chính gia đình luôn ổn định và bền vững đó là đôi bên cùng tin tưởng và chia sẻ với nhau. Đồng thời phải luôn trau dồi những kỹ năng quản lý tài chính cần có để nâng cao chất lượng cuộc sống gia đình mình. (Bài viết tham khảo từ tác giả Nguyễn Phương Chi - The Present Writer.)  Để cập nhật thêm nhiều kiến thức và phương pháp quản lý tài chính hiệu quả. Hãy nhấn nút “ĐĂNG KÝ NGAY” ở phía dưới để nhận thông báo mới mỗi ngày. Nguồn: https://redbag.vn/blog/ai-nen-la-nguoi-quan-ly-chi-tieu-trong-gia-dinh/
Stunning South Africa
Photographer Michael Poliza From his site [http://images.michaelpoliza.com/] Biography Michael Poliza has never been a man to do things by half measures. His entire track record shows somebody who jumps into projects with both feet, immersing himself completely in the subject matter and fast being seen as a leader in whatever field he chooses. Michael just grins when somebody mentions he’s lived three lives. To an outsider, the trio might seem highly divergent. But look more closely and they have very similar themes, all shaped by his uncanny ability to detect a new direction in the early phases, and then to work unstoppably in mastering the subject matter and pushing the boundaries of what is deemed possible or probable The first of Michael’s lives was in television. By the time he was a teenager, he was as well known as any actor could possibly be in Germany at that time, and he appeared in more than 100 television shows and films. His second incarnation was as a businessman. After catching a glimpse of the digital future while spending time in the USA as an exchange student, he returned to Germany and built an impressive business in the IT sector. In 1997, Michael began his third life focusing on digital media. His Starship Millennium Voyage had journalists and photographers join him to cruise around the globe and document the state of the world’s wild locations. And that’s where his publishing experience began: the book of the voyage quickly became a bestseller of more than 50,000 copies. The voyage over, Michael turned his attention to the game reserves and nature parks of southern Africa. Thanks to a friendship with Wilderness Safaris, he had freedom of access in return for the use of his images – a truly symbiotic relationship that saw the development of a significant body of wildlife and landscape imagery. The resultant book AFRICA was launched to massive acclaim in 2006. “Poliza has taken wildlife and landscape photography to a new level,” the Cape Times raved. Great Britain’s Daily Express was no less unequivocal: “If ever a book could take your breath away, this is the one.”