continue reading » The Servicemembers Civil Relief Act (SCRA) is designed to protect individuals on full-time active military duty who have been materially affected by their service. A recent CompBlog back-to-basics post examines one significant aspect of the SCRA: the 6% interest rate limit.The SCRA limits interest rates on debts incurred prior to active duty at 6% for the duration of the servicemember’s period of military service. Interest includes service charges, renewal fees, or any other charges (except bona fide insurance) with respect to an obligation or liability.The limit does not apply to debt incurred during or after active duty service, so it does not apply to new advances under an existing credit card or home equity line of credit program.This is true even if the open-end plans were established prior to active duty.In order to receive reduced rates, the servicemember must provide a credit union with a written notice and a copy of the military orders calling the servicemember to active duty, as well as any orders further extending military service, within 180 days of release from military service. 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Experts from Booking.com, a global leader in connecting travelers to the world’s largest selection of amazing accommodations with more than 1.500.000 overnight stays each day, combined highly important data from more than 128 million actual guest reviews with a survey that involved 19.000 passengers from 26 different countries and discover the most significant travel trends in 2018.”As technology advances, so do our travels. Technology allows us to plan the perfect vacation and helps us explore in more detail and safely, bringing us more flexibility and options than ever before. At Booking.com, we build and design everything according to our users and fulfill their wishes and needs when it comes to researching, booking and enjoying the trip. As their expectations evolve and new trends emerge, we are excited to see how advanced technology can continue to help people have the best experience of 2018.Said Pepijn Rijvers, Marketing Director at Booking.com.Interestingly, according to research, global travelers consider Croatia the most popular location from television series they want to visit in 2018. We are transmitting the collected data from Boking.com for travelers from Croatia and eight trends related to their travels in 2018.1. New technological solutionsDuring 2018, innovative technological solutions will be even more useful for travelers when getting to know a destination or accommodation before booking. Artificial intelligence and digital technology help users when it comes to smartly collecting destination information, changing the way we explore, book and experience travel. Almost a fifth (18%) of passengers from Croatia claim that they do not mind that the computer plans an upcoming trip based on data from previous trips, and half (50%) do not care whether they communicate with a real person or a computer provided they receive answers to questions that interest them. More than half (52%) of travelers from Croatia would like to try everything first with the help of virtual reality, while 58% believe that personalized recommendations for destinations and activities encourage them to book. Technology allows us to make decisions easier, and in 2018 it will certainly continue to help us on the way to unforgettable stays and experiences.2 ..From dream to reality2018 is the year of dreams come true since 61% of travelers from Croatia have a list of destinations they want to visit during their lifetime, and the majority (86%) will try to visit one or more destinations from their list as early as next year. The desire for new experiences is more important than material goods and continues to be the main driver of unforgettable travels. Passengers in 2018 will have less patience and higher expectations, and will use technology to ensure the desired enjoyment of the moment.The list of plans and wishes of travelers from Croatia will most often include some of the tropical islands, since almost half of the passengers (40%) plan to visit some of the paradise islands in 2018. More than a third (36%) want to see some of the wonders of the world, 34% want to treat their palates to some local delicacy, and 29% want to learn some new skill on the trip. Other most popular activities you must try in 2018, according to travelers from Croatia, include a visit to one of the famous theme and amusement parks (27%), a visit to health-oriented destinations (27%) and a unique cultural event (25%).3. Back to childhoodJust like new experiences, travelers will return to their favorite childhood memories in 2018. By merging the future with the past, travelers will be inspired next year to return to once-favorite destinations to explore in a whole new way. In 16, 2018% of travelers from Croatia will consider visiting the location where they spent their vacation in childhood.The popularity of travel involving a return to the past stems from the sense of nostalgia and happiness that these destinations evoke. Travelers say that the destinations of former family vacations are the most beautiful memories, even more than childhood love or a family pet. Millennials seem to be even more sentimental with 28% of young travelers from Croatia between the ages of 18 and 34 planning to return to their favorite destinations for former family vacations. 59% of passengers from Croatia in 2018 intend to post on social networks every day, so we can expect that all these nostalgic places will return to the future and be immortalized on social networks for future generations.4. Icons of pop cultureWith the whole world at our fingertips, we are increasingly relying on a variety of sources as inspiration for new destinations. In 2018, television series, movies, sports and social media are increasingly influencing the booking decision as travelers seek more and more pop culture in search of inspiration. Reading blogs or watching Youtube recommendations will encourage ideas for 29% of travelers from Croatia, and locations from television, movies or music videos will be crucial for 20% of travelers from Croatia in the coming year. Almost a quarter (24%) of passengers will be inspired by a trip to a major sporting event, of which 43% of the world’s passengers will be thinking about a football summer in Russia.The most popular locations from TV series that global travelers want to visit in 2018 include Croatia, Spain and Iceland inspired by Game of Thrones (29%), London as we watch in the series Sherlock and The Crown, (21% and 13%), New York and Manhattan from the Billions series (13%) and Los Angeles as we can see in the Entourage series (10%).5. Find your way to prosperity The trend of wellness travel does not abate in 2018, with almost twice as many passengers from Croatia planning to travel with an emphasis on health and well-being in 2018 compared to 2017 (from 12% of respondents in 2017 to 21% in 2018) . Travel that includes walking will be especially emphasized. Hiking – the perfect way to enjoy the local landscape – will be the perfect way to explore next year. That is why 64% of passengers from Croatia stated that in 2018 they want to go on hiking or mountaineering trips. A new generation of walkers put on their walking shoes.Other activities inspired by health and wellness that are among the first on the schedule of travelers from Croatia in 2018 include going to a spa or enjoying beauty treatments (40%), cycling (36%), water sports (27%), rest with full body detoxification (33%), going to yoga (16%), going to the gym (23%). Enjoying such activities is popular with travelers from Croatia – 61% say that their vacation is more important than material things, and almost half of travelers (48%) say that for them going on vacation is a moment when they can look back on the past. period and make better lifestyle decisions – decisions that are easier to make by going on a trip with an emphasis on health and wellness.6. Economic awarenessTravelers are becoming more experienced every year, especially when it comes to finding ways to make the best use of their money. Many of them base their travel decisions on finances. And in 2018, passengers will become even more financially aware, with 45% of passengers from Croatia considering the economic climate in the destination before making a travel decision, and 37% when considering travel during the year will take into account exchange rates. 22% of passengers from Croatia will go on vacation with the goal of buying products that are cheaper at the destination they are going to than in Croatia, and 22% plan to make more purchases in duty free shops at the airport in 2018.As they gain more and more confidence to follow their own intuition, travelers from Croatia feel less and less pressured to follow others. More than half of them (59%) want to travel more independently in 2018, so increasing value is placed on personal endeavors, seeking the best deals and composing their own arrangements – all with the help of applications and technology. Almost half of Croatian travelers (44%) will use more travel applications in 2018 – with the continuous development of stress-free travel technology in 2018. This includes technology for determining geographical locations, which gives the traveler directions to accommodation in the app), or planning activities during the holidays in just a few simple steps on your smartphone – which 33% of Croatian travelers expect to work in 2018.7. A short break with friendsIt seems that 2018 will be the year of group travel. When asked who will keep them company on trips in 2018, the answer that experienced the largest increase compared to 2017 was traveling with a group of friends – an increase from 23% to 30% of passengers from Croatia.Since experience seems to be the most important thing in 2018, people are, along with the destination, equally important for creating memories. Traveling with friends is the best escape from everyday worries, reducing stress and bringing you closer to friends. The world is just a click away and it has never been easier to find the ideal accommodation and look for new adventures with a large group of friends in every corner of the world.Traveling with friends also has a financial advantage, as 4 out of 10 (42%) travelers from Croatia claim that holidays with friends allow them to stay together in accommodation facilities that they could not afford on their own.8. Live like locals, no s to themIn 2018, private accommodation will be especially popular – not only for travelers who want to stay in this type of accommodation, but also for owners who are considering renting their home to others. Almost half of Croatian travelers (49%) claim that they would rather stay in private accommodation (cottage or apartment) than in a hotel, and three out of ten (27%) would consider renting their own home on the accommodation booking page.When it comes to the role of the host, passengers say that it is not necessary for the hosts to always be present. In 2018, it will be important for travelers from Croatia that the host is available to them, but not too aggressive (54%), and 18% want a host with whom they do not have to communicate at all. Only 2% of travelers from Croatia think that it is important that the host has a lot of knowledge and advice about local specialties and sights of the location.
The Wisconsin men’s cross country team gets its final tune-up before the Big Ten Championship meet this Saturday as they travel to West Salem, Wis., to participate in the Jim Drews Invitational hosted by UW-Lacrosse.The No. 2-ranked Badgers are coming off a 5th place finish at the Notre Dame Invitational Sept. 30.Junior Chris Solinsky finished first in the race, capturing the first victory of his collegiate career.Whether head coach Jerry Schumacher sends out his top runners will determine how UW performs this weekend at the Maple Grove Country Club.Unlike many of his fellow coaches, Coach Schumacher does not run many of his top runners in all of the meets the team participates in. At Notre Dame, Schumacher did not run defending national champion Simon Bairu, who won his previous meet at the Roy Griak Invitational.Regardless of whom Schumacher decides to send out Saturday, they will be getting one last chance to compete before the Big Ten Championship meet in two weeks.This meet could be the final test for the Badgers, another chance to get runners experience, or an opportunity to rest top runners.The only certainty is that, come Oct. 30, Schumacher will have his team ready to defend its Big Ten Conference title when they head back to Les Bolstad Golf Course in Minneapolis.On the women’s side, the Badgers will head to Terre Haute, Ind., Saturday to participate in the Brooks Pre-Nationals at the LaVern Gibson Cross Country Course.Coach Jim Stinzi’s crew hopes this weekend will be a preview for later in the season, as the LaVern Gibson course is where the national meet is held.The No. 27-ranked Badgers entered the polls for the first time this season after finishing in eighth place at the Notre Dame Invitational.Junior Katrina Rundhaug led the Badgers at the Notre Dame meet with a 16th-place finish and was followed by freshman Alicia Pabich, who finished in 34th place.Rundhaug leads the Badgers into Terre Haute, where she competed at the national meet last year. This is the last chance for the women to get ready for the Big Ten Conference meet in Minnesota in two weeks.The pre-national meet should give them another opportunity to prepare for the conference meet, where they will face No. 2 Michigan, No. 5 Illinois, No. 10 Minnesota and No. 17 Michigan State.