What Is Life Insurance?

Life is gorgeous, however conjointly unsure. no matter you are doing, but sensible and arduous you're employed, you're ne'er certain what life has future for you.
It is so vital that you simply don't leave something to likelihood, particularly ‘life insurance’. As death is that the solely sure issue in life, with the exception of taxes, it pays to insure it well beforehand.
Let us make a case for.
If you were to travel by the definition, “life insurance” could be a money product that pays you or your dependants a total of cash either once a collection amount or upon your death because the case is also.
However, if you were to know the term clearly and conjointly appreciate its importance in your life, contemplate “life insurance” as a back-up arrange for all times. insurance in its simplest kind means that being ready financially, come back what might. It ensures that your family associate degreed you receive backing just in case you're ineffective to herald the much-needed financial gain yourself (maybe thanks to associate degree accident, retirement, or untimely demise).
In legal terms, insurance could be a contract between associate degree insurance holder (insured) associate degreed an insurance underwriter (insurer). below this contract, the insurance underwriter guarantees to pay a pre-decided total of cash (also referred to as “Sum Assured” or “Cover Amount”) upon the death of the human or once an explicit amount.
The significance of getting a insurance is to avail the "peace of mind" that it brings on. However, having associate degree adequate quantity of insurance effectively sets your mind freed from some vital queries like:
• what is going to happen to my family financially once I die?
• however can my married woman and youngsters watch out of their expenses once i'm no more?
• however can I give for my family just in case I lose my job once associate degree accident?
• however do I make sure that i'm able to fund my child’s higher education?
• however do I guarantee associate degree financial gain once my retirement?
Now, so as to possess a financially secured future, you (the insured) ought to pay the insurance underwriter (insurance company) a “life insurance premium”, that is either an everyday annual payment or a one-time payment because the case is also.
Types of insurance – ancient and Market connected
There area unit many kinds of insurance plans for specific desires.
One of the classes is “traditional insurance plans” like insurance (pure protection), endowment and a refund plans. Such plans provide multiple edges in terms of life cowl and returns, so providing safety and security to the insured. These policies area unit thought of unhazardous. this can be as a result of they supply a hard and fast profit (Cover Amount) just in case of death of the human or at finish of the term.
The other class is “market-liked plans”, conjointly referred to as ULIPs (unit connected insurance plans). These give each protection and savings combined with flexibility to the coated person. As these merchandise area unit connected to capital markets, they'll have the potential to deliver higher returns than ancient plans. However, with high returns there's a risk of low returns in addition, which can rely on the market’s performance.
Why you need to get life insurance?
Life, as we all know it, will throw a surprise at any moment. Surprises area unit welcome as long as they're pleasant. Rude surprises utterly take US by the hook!
A heath emergency, an accident, or overtime – these area unit some eventualities that you simply and your family should be ready for. that's wherever the importance of insurance lies.
In alternative words, verify insurance as your replacement as so much as financial gain is bothered. Thus, serving to your family and you endure any reasonably money issues, if you're ineffective to require care of them. As easy as that!

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What are the different types of health insurance?

Different types of insurance plans meet completely different desires. after you compare choices, it is important to know however they're structured.

Health Maintenance Organizations (HMOs) and Exclusive supplier Organizations (EPOs)

HMOs and EPOs might limit coverage to suppliers within their networks. A network may be a list of doctors, hospitals, and alternative health care suppliers that give medical aid to members of a selected health arrange. If you utilize a doctor or facility that may not within the HMO’s network, you'll have to be compelled to pay the total price of the services provided.

HMO members typically have a medical aid doctor and should get referrals to visualize specialists. this can be usually not true for EPOs.

Preferred supplier Organizations (PPOs) and Point-of-Service plans (POS)

These insurance plans offer you a alternative of obtaining care inside or outside of a supplier network. With PPO or POS plans, you'll use out-of-network suppliers and facilities, however you’ll have to be compelled to pay quite if you utilize in-network ones. If you have got a PPO arrange, you'll be able to visit any doctor while not a referral.

If you have got a POS arrange, you'll be able to visit any in-network supplier while not a referral, however you’ll want one to go to a supplier out-of-network.

High Deductible Health arrange (HDHP)

High Deductible Health Plans generally feature lower premiums and better deductibles than ancient insurance plans. As of 2013, HDHPs ar plans with a minimum deductible of $1250 per annum for individual coverage and $2500 for family coverage.

If you have got associate HDHP, you'll be able to use a health bank account or a health compensation arrangement to get hold of qualified owed medical prices. this could lower the number of federal tax you owe.

Catastrophic insurance arrange

A harmful insurance arrange covers essential health edges however includes a terribly high deductible. this implies it provides a sort of "safety net" coverage just in case you have got associate accident or serious unhealthiness. harmful plans typically don't give coverage for services like pharmaceuticals or shots. Premiums for harmful plans is also under ancient insurance plans, however deductibles ar typically a lot of higher. this implies you want to pay thousands of greenbacks owed before full coverage kicks in.

In the Marketplace, harmful plans ar offered solely to individuals beneath thirty and to some low-income those who ar exempt from paying the fee as a result of alternative insurance is taken into account unaffordable or as a result of they need received "hardship exemptions". Marketplace harmful plans cowl three annual medical aid visits and preventive services at no price. when the deductible is met, they cowl an equivalent set of essential health edges that alternative Marketplace plans provide. individuals with harmful plans don't seem to be eligible for lower prices on their monthly premiums or owed prices.

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5 New Year's Reality Checks for Your Health and Wealth

For many folks, a brand new year represents a chance to dedicate time and energy to obtaining physically match. For others, the prime focus of their improvement efforts are their finances. And Ellie Kay and Danna Demetre, co-authors of "Lean Body, Fat Wallet," say the principles and habits that may assist you thin and gain a healthier body ar identical because the ones that might lead you to money security.

Here ar 5 reality checks to assist you establish your money downside areas and tackle them head-on in 2014.

1. put on your commercial enterprise "bathing suit," and shine a bright lightweight on your full credit image. Demetre says an excellent reality check before you enjoys a high-calorie treat is to do on your swimsuit and judge if you are wherever you wish to be together with your weight. If not, she says, keep that image of yourself within the mirror in mind once you are close to depart to eat.

Similarly, obtaining associate correct image of your credit history is that the opening move keep your borrowing and disbursement in restraint. Checking your credit report can offer you a true-to-life image of wherever you are at without delay. Kay recommends obtaining credit reports from all 3 bureaus (Experian, TransUnion, and Equifax) at annualcreditreport.com to ascertain all of your debt in one place.

2. tread on the "scale," and see what proportion you are paying in interest. Your scale offers you a rapid answer concerning what proportion you weigh, and the way way you're from what you see as your ideal weight. nevertheless most people ar within the dark concerning what proportion our debts very weigh. "This is sometimes the only biggest shocker that gets customers to vary their disbursement habits," says microphone Warren, a private finance professional and author of "Guerrilla Credit."

Warren offers gradual directions on the way to weigh your debt burdens: "When you get your 1098s from your mortgage investor and student loan corporations, add those [the interest portion of your payment] along. currently add in interest paid on such things as automotive loans, installment loans, and credit cards. If you happen to possess taken out a day loan, pawnbroker's shop loan, or perhaps title loans, then add that as a part of it additionally. Once you have got the full, divide that range by 365. that's what proportion you're paying each single day in interest alone to some bank or different establishment that might be going into your savings or investment accounts."

3. Target "fat," not "muscle," by hard your debt-to-income quantitative relation. Not all additional pounds ar equal. The goal of correct diet and exercise is to lose fat, not muscle. identical goes for trimming down debt -- some debt is unhealthy (the flab) and a few is structurally necessary and useful (the muscle).

"Some debt, like mortgage debt, will be deductible for tax functions ... and student loan debt will assist you build bigger wealth over time," says Warren. debt does not have any useful characteristics. "I'm talking concerning credit cards, store/merchant cards, title loan corporations, pawnbroker's shop loans, and even day loans."

Add up all of your debt and divide that range by your total financial gain. Warren says that a debt-to-income quantitative relation of half-dozen p.c or less that you just ar actively paying down may be a sign that you are on the proper track. "If it's any higher, you wish to urge serious concerning sound out this debt," he says.

It's important to come back up with a proper play for debt payoff. "Use a mastercard payoff calculator thus you'll see however long it'll want pay off your mastercard debt if you simply build the minimum payment," Kay says. (Check out this debt payoff calculator at Bankrate.com.) "Then begin grappling those debts one at a time. As presently as you have paid off one, you'll double up your payments on succeeding."

4. Count calories and pennies. "I'm against strict diets, however folks want a reality check on what they are very overwhelming," says Demetre. "Just keep track for every week or 2 and use a tool sort of a Fitbit to watch your activity level. folks haven't any concept that you'll gain twenty pounds in one year if you systematically consume two hundred additional calories daily."

Just as you wish to count calories and monitor your activities to ascertain what you have got returning in and going out, you wish to trace your financial gain and expenses, says Kay.

Warren recommends following your disbursement to the penny for thirty days. "You'll be astonished at however simply the money slips through your fingers," he says. "So produce a budget and fathom what you'll pay cash on and what you cannot. Then keep on with it."

5. Check on your semipermanent money health. Any exercise you are doing currently has semipermanent advantages for your future health. identical goes for retirement savings. for workers with a 401(k), Rob Jupille, president of RTJ money Management, recommends that you just check your 1st pay stub in Gregorian calendar month to make sure you have maximized your contribution. That manner you'll build any changes for succeeding pay amount in order that you begin the year setting aside the proper quantity.

When it involves exercise, a rich gymnasium membership does not get you an improved physical exertion than you'll get at your native Y. Same goes with investments. High fees aren't the mark of top quality, that is why it is vital to review your investment prices and see if there ar cheaper alternatives.

"If you hold mutual funds, specifically raise your broker what the expense ratios ar for every of your holdings," says Guy Penn, principal and founding father of G. M. Penn Wealth Management. Review your investment prices. "Find out precisely what you're paying in commissions. forever keep asking, 'Can we tend to get identical results at a lower cost?' Eliminate any hidden expenses that may erode your investment gains over time."

The Best set up Is One that you will Follow

Whether you are observance your weight or your bottom line, Demetre and Kay say you have got to develop a property, realistic set up. "You have to be compelled to raise yourself if your set up are a few things you'll keep on with on most days for the remainder of your life," says Demetre. 

Fight against the "all or nothing" construct, she says, and take tiny steps starting without delay instead of happening a crash diet or savings binge. "It cannot be one thing you stop when ten days. It takes twenty one days for a habit to become deep-seated, thus it is vital to be realistic concerning your uptake and exercise from the start."

Kay says identical recommendation applies after you establish your budget. "You cannot base your budget on ne'er uptake out as a result of you will set yourself up for failure," says Kay. "But perhaps you'll cut it back to once every week or double a month or opt for less expensive meals."

Kay associated Demetre suggest having an responsibleness sidekick, somebody you'll share your goals with World Health Organization can assist you stick with your set up. If you wish to eat less or pay less, it forever helps to share your frustration -- and your triumphant moments.

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Americans' Average Credit Card Debt Falls in 3Q

LOS ANGELES -- a lot of Americans fell behind on their mastercard payments within the third quarter, once several shoppers historically hit stores for back-to-school provides. Even so, the national late-payment rate remained near its lowest level in six years, credit coverage agency TransUnion same Wednesday.

The rate of mastercard payments a minimum of ninety days owed rose within the July-September quarter to one.36 p.c from the previous three-month amount, once it absolutely was one.27 p.c -- very cheap level on records going back to 2007, the firm same.

The third-quarter card delinquency rate was down from one.50 p.c within the same amount last year, however.

"The mastercard delinquency rate generally rises within the third quarter, part attributable to back-to-school defrayment," same Toni Guitart, director of analysis and consulting at TransUnion's monetary services business unit.

That's expected to happen once more within the current quarter, as several shoppers hit stores for the vacation season so delay payments on their credit cards till early next year. TransUnion comes the mastercard delinquency rate can increase to around one.48 p.c within the fourth quarter.

Since 2007, the late-payment rate on credit cards has averaged regarding two.2 percent, TransUnion same. The firm attracts its figures from information culled from just about each U.S. shopper United Nations agency uses credit.

Many Americans stay reluctant to require on high-interest mastercard debt when taking steps to extend savings and pay down balances throughout the nice Recession.

Card balances are dropping over the past year and stay close to traditionally low levels.

In the third quarter, individual mastercard debt fell one.3 p.c versus constant quarter last year to $5,235. it absolutely was basically flat compared to the previous quarter, TransUnion same.

Slow, tho' steady, job growth and tiny wage gains have created several Americans a lot of reluctant to charge merchandise and services.

Americans deflate on victimization their credit cards in Sep for the fourth straight month, in step with the FRS.

Consumers exaggerated their borrowing by $13.7 billion to a seasonally adjusted $3.05 trillion, however the rise was driven entirely by higher borrowing for car and student loans, that rose $15.8 billion. mastercard debt fell $2.1 billion.

The string of declines in mastercard debt can probably be patient shopper defrayment, that accounts for seventy p.c of economic activity.

Meanwhile, the amount of recent mastercard accounts opened by shoppers exaggerated half-dozen p.c to eleven.1 million within the second quarter from a year earlier. the information lag by 1 / 4, therefore the latest TransUnion figures cowl the April-June amount.

While the numbers indicate lenders ar sign language up a lot of borrowers to new credit cards accounts, the new signups ar well in need of the pace before the 2008 monetary crisis. within the second quarter of 2007, new card originations destroyed seventeen.7 million, TransUnion same.

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2016 Chevrolet Camaro: Smaller and Lighter? Look Out, Next-Gen Mustang

 WHAT IT IS: The classic all-American four-seat performance auto. A convertible is additionally a certainty. The sixth-generation model can draw inspiration from the Euro-styled second-gen Camaro RS (1970–1981).

WHY IT MATTERS: Today\'s model has thrived as a roomier, cheaper different to the war vessel, and as a supply of pride to the haters of  Ford, Dodge, and foreign rear-drive coupes.

PLATFORM: The Camaro moves to gramme\'s Alpha element set (Cadillac ATS and alternative future GM models) to save lots of important weight and price.

POWERTRAIN: Expect eight-, six-, and four-cylinder offerings, the last to meet rising mpg obligations whereas fighting a growing list of four-cylinder-equipped foes, together with the SRT acanthopterygian, Subaru BRZ, Scion FR-S, Ford pony, and Hyundai Genesis auto.

COMPETITION: See on top of.

WHAT may GO WRONG: gramme designers may misinterpret Camaro\'s skinny sales lead over pony and neglect critically required interior upgrades.

ESTIMATED ARRIVAL AND PRICE: Late 2015 as a 2016 model, with a base value within the mid-$20,000 range.

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2016 Nissan Z: Sorry, Z Fans, No Return to Roots Just Yet

WHAT IT IS: The seventh generation of Nissan's picture sports automobile. Despite rumors of a 240Z boot, a downsized Z is unlikely, as Jewish calendar month does not have Associate in Nursing applicable design to remake the Z into a lighter, more cost-effective sports automobile adore the descendent FR-S/Subaru BRZ twins. Expect an idea automobile showing within the next eighteen months to point a brand new style direction. The styling can split up the immediate past whilst time as|while|when|as} the remainder of the package steams ahead on abundant the same course.

WHY IT MATTERS: in an exceedingly lineup fraught with scotch four-cylinders paired with CVTs, the Z is the maximum amount Associate in Nursing outlier because the GT-R. however Jewish calendar month wants the Z to tend the hearth, reminding the globe of the Datsun days once reasonable performance was additional of a company priority than cross-dressing crossovers. Godzilla could also be the halo automobile, however it currently prices six figures.

PLATFORM: The Z can share a chassis with the Infiniti Q50. This new iteration of Nissan's entry-luxury sedan rides on Associate in Nursing updated version of the venerable FM platform that underpins the present Z. Jewish calendar month can do what it will to stay the burden down, deploying additional Al together with different pound-paring measures.

POWERTRAIN: The VQ V-6 could be a simple task, however increased with direct injection to form a minimum of 350 H.P.. Not even CVT-crazy Jewish calendar month is crackers enough to null the Z's six-speed manual, that ought to soldier on aboard the present seven-speed automatic. do not expect to examine the Q50's performance hybrid system within the Z, however a Mercedes-designed, turbocharged four-cylinder can be offered. Jewish calendar month are going to be building the smaller-displacement engine, destined for the Q50, in Tennessee.

COMPETITION: Audi TT, Chevrolet Camaro, Ford pony, Hyundai Genesis motorcar.

WHAT would possibly GO WRONG: We're undecided the Z will survive another generation saddled with a platform designed for larger, heavier sedans. Its thirsty V-6 might close up consumers desirous to drive their playthings daily, however a additional economical four-cylinder might not supply sufficient  performance to uphold the Z-car image.

ESTIMATED ARRIVAL AND PRICE: Early 2015, with a base worth slightly below $35,000.

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Top 50 luxury Hotels in the world

   Compiling a list of the world's 50 best hotels is a difficult task. The amount of top quality hotels in the world today is enormous and seems to grow by leaps and bounds every year. Our goal in compiling this list was not just to include those hotels offering the most luxurious settings and finest service, but also to provide a wide variety of experiences, highlighting the many different ways excellent hospitality can be enjoyed. In the making of this list, many outstanding hotels had to be left out due to lack of space. Perhaps your favorite hotel is not here, then again maybe it is! Whatever your choice, you are sure to discover here a world of luxurious options waiting to be explored. Enjoy!

 Mandarin Oriental, Hong Kong, China

The 130 year old Mandarin Oriental provides the perfect balance between East and West. High-tech wizardry next to old world charm and ambience. The floor-to-ceiling windows provide a stunning view of Victoria Harbor. The hotel prides itself on incredible service and even better food – wonderful modern French cuisine at the Pierre and legendary breakfast buffets.   Visit site

Trump International Hotel & Tower, New York, United States

Designed by Philip Johnson and Costas Kondyli, this super modern 52-story high rise is a Forbes five-star hotel with style to spare. Huge floor to ceiling windows provide an incredible view of Central Park. Features a five star French fusion restaurant on the main floor.

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  Langham Hotel, London, England

Victorian high society pristinely preserved, the 150 year old Langham is considered Europe's first Grand hotel with classic luxury to spare. Thanks to a $120 million renovation it has lost none of its charm. Features an incredible indoor pool located in a former bank vault, glamorous Artesian bar, and fantastic modern European cuisine at Roux at The Landau. Visit site

Soho House Berlin, Germany

Set in an fabulously restored 1928 Bauhaus building, this sexy eight floor hotel has 40 individually designed rooms all with unique amenities. Features the Club Floor restaurant, Cowshed Spa, a rooftop pool, 30 seat movie theatre and famous Red Room resting space. The only problem with this magnificent boutique hotel is that it's for private members only ! Visit Site

Hotel Amigo, Brussels, Belgium

 

Classic luxury art it's finest. The 174-bedroom Flemish-styled Hotel Amigo in Brussels is the epitome of Belgian chic. Featuring Flemish tapestries and Surrealist paintings alongside characters from Tintin storybooks! For outstanding cuisine check out the incredible Italian and Mediterranean dining at Ristoranti Bocconi, cocktails at the wonderful Martini Club, and tea at Bar Amigo. The hotel was bought and refurbished by the Rocco Forte Hotel Group in 2000. Visit site

Four Seasons Resort Hualalai, Hawaii, United States  

Looking for high-level luxury? Pamper yourself with five-star treatment at the Four Seasons Resort Hualalai. This incredible hotel includes seven unique swimming pools from saltwater ponds to infinity pools as well as deluxe spa services. Prefer the ocean? Check out the beautiful beach with bungalows carved into black lava and private tiki huts. Visit site

Wentworth Mansion, South Carolina, United States

Built in the late 1800s, the elegant Wentworth mansion combines old world charm with new world amenities. Enjoy the huge rooms with chaise lounge, bay windows and Jacuzzi tubs! Little touches like complimentary hors d'oeuvres and evening brandies and sherries make for a special atmosphere. Staff are extremely helpful. Includes an on-site spa.  Visit site

Four Seasons Gresham Palace, Budapest, Hungary

Acclaimed as one of the finest examples of art nouveau architecture in central Europe, Gresham Palace features 19th-century stained-glass portraits and gold mosaic towers. Includes a beautiful inner courtyard and fantastic view of the Danube. Classic luxury at its finest! Visit site

Hotel de Crillon, Paris, France

Built for King Louis XV in 1758, this ornate palace hotel comes with suites and salons stuffed with gilt, mirrors, and Baccarat crystal, as well as Aubusson carpets and Wedgwood medallions.  Don't worry about being lost in the past, because the hotel has been updated with flat-screen televisions and high-speed Internet. Temporarily closing in autumn 2012 for major renovations. Visit site

Le Sirenuse, Positano, Italy

Le Sirenuse, is a fabulously restored 18th-century villa with museum-quality antiques and hand-painted ceramic-tile floors. The 63-room hotel features an alfresco champagne-and-oyster bar, Aveda spa, and a small fleet of vintage wooden speedboats for sightseeing up and down the spectacular Amalfi coastline. Five-hundred candles are lit each night in its romantic restaurant overlooking the tiled dome of the town's Renaissance church. Visit site

Ritz-Carlton Shanghai, Pudong, China

Arguably the largest and most luxurious rooms available in China, each one features onyx panels, Chinese artwork and fresh flowers. Penthouse suites feature living rooms with fireplaces, oversized bathtubs and walk-in closets. The lobby is designed in Shanghai’s 1930s Art Deco style with dark woods and chrome. Other public areas feature Spanish sandstone and marble, silver leaf covered walls and Chinese lanterns. Located in the top floors of a contemporary 58-story tower in the city’s financial district. Visit site

Ritz-Carlton Beijing, Financial Street, China

Located in the city’s business hub, in a beautiful 2007 chrome-and-blue-glass tower featuring huge white marble yin and yang sculptures. The interior is reminiscent of an English country manor. Incredible burnt-orange and celadon rooms are covered in off-white wallpaper. Includes a large 1,500-square-foot spa, with aqua-therapy. Visit site

Peninsula Hotel, Tokyo, Japan

Designed by architect Kuzukiyo Sato to look like a huge Japanese lantern, this 24-storey amber property is made entirely from Namibian granite. The Peninsula is a successful combination of traditional Japanese hospitality with simple luxury. The two-story lobby has ivory walls and wooden lattices, as well as a huge 1,300-bulb concave chandelier that resembles a swarm of fireflies. Spacious rooms feature horse chestnut sliding doors and gold-painted ceilings.

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Amandari, Bali

For by tranquil and peaceful vacation nothing compares to the minimalist Amandari. Overlooking the rice terraces of the Ayung River Gorge are a gathering of private villas designed as a Balinese village. The "rooms" are free-standing thatched-roof suites surrounded on three sides by glass and featuring private gardens and Balinese stone gateways. Visitors can consult with a bomo or local faith healer or get Ayurvedic massages. Visit site

Amansara, Siem Reap, Cambodia

Located close to the Angkor Archaeological Park the majestic Amansara hotel is the former guesthouse of Cambodia’s King Sihanouk. Built in French colonial style, the resort features minimalist gray and white low-slung chalets. Public areas graced with white lotus blossoms and orchids. Includes a beautiful slate pool for bathing. Visit site

Domaine des Hauts de Loire, France

Two hours from Paris, in the Loire Valley, on a 178 acre forested plot lies a beautiful 19th-century hunting lodge turned into a magnificent hotel with 32 empire-style guest rooms.  This small, intimate hotel arranges hot-air balloon and helicopter rides giving a spectacular view of the region as well as tours of a neighboring chateaux. Best of all, the price is only $250 a night. Visit site

Ashford Castle, County Mayo, Ireland

Given its extreme age the Ashford Castle has gone through many evolutions. It was built in the 13^th century as a crenellated castle. The current central building, a French style chateaux, was added in the 1700s and the entire structure was redesigned as a hunting and fishing lodge in the 1800s. Today as a hotel it has 80 spacious bedrooms with soft traditional furnishings in relaxing shades and heavy sash curtains on the windows. Considered one of Ireland's finest five-star resort hotels. Visit site

The Lanesborough, London, England

A St. Regis Hotel, the opulent Lanesborough is located in a Georgian-style building just off of Hyde Park. This luxurious hotel features oak paneled walls and high ceilings (check out the Buckingham Suite for a good example). Each visitor is treated a private guest and cared for by personal butlers. Now that’s class. Visit site

Villa San Michele, Florence, Italy

What happens when you turn a 15th-century Franciscan monastery with wonderful views of Florence into a luxurious resting spot for travelers? Simple, you get one of Europe's most delightful and picturesque hotels in Europe. Spectacular artwork abounds here including a 1642 Last Supper fresco by Nicodermo Ferruci and a facade attributed to no less than Michelangelo. Visit site

The Stafford, London, England

A country house feel in the middle of London? It's possible if the name of the hotel is the timeless Stafford. Located behind Green Park, this stately town house hotel comes with its own 17^th century stable courtyard. Famous for its incredible wine cellar, the Master Sommelier will be happy to give you a private wine tasting of the hotel's best vintages of Burgundy or Bordeaux. Visit site

Chiva-Som, Hua Hin, Thailand

Looking for a tranquil and peaceful environment in which to recoup and reenergize? Thailand's Chiva–Som meaning "Haven of Life" is the perfect place. Staffed by over 80 health and wellness professionals, the staff is expert at rejuvenating wellbeing of mind, body and spirit. The resort's physical design perfectly matches its function fusing Western utility with Eastern calm. 57 beautiful rooms with private balconies or terraces provide spectacular ocean views. Thai gardens and a carp filled lake add to the all-encompassing tranquility. Visit Hotel Site

Four Seasons Hotel, Milan, Italy

Luxury and history combine at the Four Seasons Hotel Milan to create an unforgettable experience. The hotel is located in a beautifully refurbished 15th-century convent with walls stunningly frescoed with depictions of Milanese nobility. Choose from any one of 118 intimate rooms and suites of pure extravagance and relax in the hotels famous Il Foyer lounge. Close to the city's hottest shopping district. Visit hotel website

The Dolder Grand, Zurich, Switzerland

Perched in a beautiful forest high above Zurich, this sophisticated luxury hotel offers breathtaking views of the city. Guest rooms are a stylish combination of earth colored Jura limestone and hardwoods. On the fun side there are also four signature suites inspired by pop icons and famous artists. Topped off by the spectacular Dolder Grand Spa, the Dolder is the perfect combination of pleasure, relaxation and exclusivity. Visit hotel website

Villa D’Este, Cernobbio, Italy

The most esteemed hotel in an area famous for its resorts, the Villa d'Este is an opulent hotel built on a regal 25 acre, 16th-century estate, overlooking the stunning Lake Como.  The splendor and grandeur are moderated by distinctive quaint touches. Guests, for instance, are invited to join the hotel chefs as they gather herbs in the garden for the day's meals. Visit hotel website

Bauer Il Palazzo, Venice, Italy

In the heart of Venice, lies a highly unique boutique hotel combining soul, romance and culture. Built in the Venetian-style palazzo, the Bauer combines an eclectic mix of the finest Italian décor including Rubelli and Bevilacqua fabrics, Murano glass chandeliers, sconces, sculptures and deco furniture.  A truly unique blend of style and luxury. Visit hotel website

  

Hotel D'Angletterre, Copenhagen

Arguably the most beautiful hotel in all of Scandinavia, the famous 300 year old Hotel D'Angletterre is the epitome of beauty and grace. Some 120 rooms and 20 suites are all furnished with the finest antique furniture and feature marble bathrooms as well as incredible views of the green gardens. Enjoy the in-house spa and many other five star amenities. Located just minutes from the Royal Palace, Royal Theatre and famous Stroget shopping district. Visit hotel website

The Venetian Resort and Casino, Las Vegas, United States

Towering above Las Vegas in shimmering white, the Venetian Resort and Casino is an outstanding hotel in a city famous for its outstanding hotels. Part hotel, part amusement park/fantasy world - the Venetian is one experience you will not soon forget. Features include the quarter mile long Grand Canal waterway complete with gondola rides and performances along the walkway, the 70,000 square foot Canyon Ranch spa, a 120,000 foot casino, the Grand Canal shopping center with 80 world class boutiques, Madam Tussaud's famous wax museum, and entertainment by world class acts. Visit hotel website

The Adolphus, Dallas, United States

Built in 1912, the Adolphus is considered a Baroque masterpiece, that helped usher in a new age of sophistication and European charm in American hospitality. Venetian tapestries provide a background to a Victorian Steinway and other ornate furniture. Home to the rich and famous, the guest registry is packed with name of VIPs. Located in the center of Dallas. Visit hotel website

Hotel Regina , Paris, France

The imposing Hotel Regina offers high class accommodations in the finest style of the Belle Époque. The hotel's interior boasts antique furnishings and artwork, molded cornices, and beautifully restored frescoes. The hotel's 120 rooms all sport fine linens and frescoes. Enjoy world class French cuisine at the in-house restaurant or check out the stately English Bar and Tea room. Just a short walk from the Louvre. Visit hotel website

Chelsea Hotel, Soho, New York, United States

Located in one of New York's most vibrant neighborhoods, the historic Chelsea Hotel has been home to the rich and famous for over a hundred years. No two rooms in the spectacular hotel are the same, from funky art deco, to Baroque to Belle Époque, the Chelsea has it all. No wonder this eclectic hotel has been immortalized in film, literature and song. Not to be missed. Visit hotel website

St. Regis Hotel, New York, United States

A 1904 Beaux Arts landmark, New York's St. Regis hotel is home to the rich and famous when they visit New York. Recently renovated to the tune of $100 million, this spectacular hotel features the gamut from Louis 15th furniture to dozens of hi-tech amenities. Located next to one of the hottest shopping districts in the world. Visit hotel website

Huka Lodge, Taupo, New Zealand

Rustic luxury at its finest, the Huka Lodge, provides a rich, warm environment in which to relax and experience nature. The main building features its own library, conservatory and hunting lodge complete with weapons and trophies. Throughout the hotel are large fireplaces with warm log fires, richly woven carpets, wool fabrics and fine decor. For guest rooms the hotel provides some 20 spacious suites all decorated in the finest New England style. Visit hotel website

  

Al Maha Desert Resort, Dubai

 

Hidden among the red sand dunes of the Al Maha desert and wind peaks of the Hajar Mountains lies an incredible oasis located amongst the palm groves. Resembling a Beduin camp, the Al Maha Desert Resort features luxury tents each overflowing with original artworks and antiques. Organic meals featuring the finest and freshest western and eastern dishes are provided to the guests. A cornucopia of thrilling physical activities completes the offering including safaris, horseback riding and camel trekking, jeep rides, falconry and archery. Visit hotel website

Palazzo Sasso, Ravello, Italy

This five star hotel frequently tops the list of Italy's best hotels. Located in a spectacularly refurbished 12th century palazzo, the hotel's suites feature 17th century antiques, Frette and Bulgari appointments along with Vietri tile floors. Offers an incredible view of the Mediterranean sea. Visit hotel website

Shangri-La's Barr Al Jissah Resort and Spa , Oman

Inspired by royal Arabian palaces the Shangri La offers six star service in the middle of a rugged mountain strewn desert. The hotel's 180 luxury suites all have views of the sea, balconies and terraces along with butler service and complimentary pre-dinner cocktails served in your room. The excellent in-house restaurant looks out over the hotel's private 100m Mahhara beach. An in-house spa provides a venue for soothing relaxation and rejuvenation. Visit hotel website

Hotel Plaza Athene, Paris, France

Built in 1911, with a view of the Eiffel Tower, this opulent luxury hotel is frequently named as France's best. The rooms are overflowing with Art Deco, Regency and Louis XVI furnishings. The cuisine is out of this world thanks to world famous chef Alain Ducasse's French restaurant featuring a 35,000-bottle wine cellar (ask for a private wine tasting).  If you prefer simpler fare, the house bars include La Terrasse Montaigne and Le Galerie des Gobelins, featuring harp music and delicious pastries. The in-house Dior spa helps complete the package. Visit hotel website

The Four Seasons Hotel, Prague, Czech Republic

Elegance and style permeate the Four Seasons Hotel Prague located on the banks of the Vltava River with spectacular views of the Prague Castle. The hotel is an eclectic mix of the finest neo-Classicist, Baroque, and neo-Renaissance styles making any guest feel immediately like royalty upon entering. The hotel offers a world class spa and fine dining in the Cotto Crudo Italian restaurant. Visit hotel website

Cavas Wine Lodge, Mendoza, Brazil

Located in Brazils' finest wine region and surrounded by a 35 acre vineyard, the Cavas Wine Lodge offers wine lovers a rustic getaway in a spectacular location overlooking the Andes. The grape reigns supreme here and canopied 50 year old grapevines provide cover for guests as they walk to their rooms. Even the house spa therapies use grape skins and seeds. A truly unique experience. Visit hotel website        

  

Four Seasons, Chiang Mai, Thailand

Nestled in the Thailand's lush northern region, lies a luxurious yet intimate hotel – The Four Seasons of Chiang Mai. The hotel creates instantaneous tranquility with its Zen like atmosphere and helpful staff legendary for their attentiveness. Unique touches include its famous outdoor cooking school and recently added Four Season’s Kid’s Club, making this a perfect location for family vacations in the Far East. Visit hotel website

Four Seasons at Marunouchi, Tokyo, Japan

Hyper-modern luxury perhaps best sums up the Four Seasons at Marunouchi, located in the Tokyo business district. Rooms are all equipped with 3-D televisions, surround sound speakers and egg-shaped tubs along with wall to wall windows providing full skyline views. Suites tend to be small, elegant and strongly sound-proofed. For exercise and rejuvenation hop on a hotel supplied Bianchi bicycle and take a ride to the nearby Imperial Gardens or enjoy a special Raku massage at the in-house spa. Visit hotel website

Montage Beverly Hills; Beverly Hills, California, United States

Looking for a luxurious sanctuary among the hustle and bustle of Los Angeles? The Montage is a spectacular Spanish Colonial-style hotel located in the heart of Beverly Hills. Rooms come equipped with mosaic-tiled marble bathrooms and flat screen televisions. But it’s the little touches which make the difference, such as pillows custom-embroidered with your initials. Visit hotel website

The Inn at Palmetto Bluff, Bluffton, South Carolina, United States

Rustic charm with a down South atmosphere, the Inn at Palmetto Bluff provides a first class experience with a unique South Carolina feel. Located along the May River are 50 cottages each featuring pine floors, a personal fireplace and Italian bed linens.  First rate entertainment opportunities abound including an on-site Jack Nicklaus Signature golf course or fly-fishing and alligator spotting in the marshlands. In the evening, enjoy an incredible fresh seafood dinner at the inn's River House restaurant. Visit hotel website

Anavilhanas Lodge, Rio Negro, Amazonas, Brazil

Considered one of Brazil's foremost hotels, the Anavilhanas is a "Jungle Lodge" featuring wooden rooms with crisp white linens located in the middle of a pristine rain forest on the banks of the Rio Negro river. Visit your neighbors (monkeys, macaws and dolphins!) by canoe or foot or explore artisan studios in nearby Novo Air village. Visit hotel website

Singita Sabi Sand, Kruger National Park Area, South Africa

Famous for what is outside the hotel as much or more than for what is inside it, the Sabi Sand offers three luxury lodges in the middle of a world class game reserve. Herds of elephants, leopards, giraffes and zebras are frequent guests of the area and provide for breathtaking viewing. Suites are designed by up and coming African designers and include private fireplaces and outdoor showers. If you prefer to "eat out", you can share a meal with locals in a nearby village. A vintage safari feel infused with glamour and elegance. Not to be missed. Visit hotel website

Amstel Intercontinental, Amsterdam

Grand European Elegance at its finest, the Amstel has some 80 traditionally yet impeccably furnished rooms and suites. Located on the banks of the Amstel River, the hotel presents an island of tranquility and beauty right in the middle of the city. The hotel's main restaurant, La Rive, has a four starred Michelin rated cuisine. Visit hotel website

Taj Lake Palace, Udaipur, Rajasthan, India

The Taj is an 18^th century palace situated on a manmade island in Lake Picola with a view of the Maharaja’s palace. Opulence and extravagance abound here with endless courtyards and corridors, stone inlay, gilt moldings and mirror. The many exclusive rooms and suites boast mosaics, stained-glass windows, silk bolsters and hand painted motifs. Excellent rooftop restaurant called the Bhairo. Visit hotel website

  

Westin Bund Center, Shanghai, China

Only ten years old and already famous, the Westin Bund is built to resemble a throne with a crown on top – fitting for a hotel that makes one feel like a king.  Guest rooms made of marble and glass boast oversized shower heads, Jacuzzis, embroidered lanterns and spectacular views of the 400-year-old Yu Garden. The wonderful Stage restaurant allows guests to watch as the chefs publicly prepare their amazing dishes. Visit hotel website

  

Whiteface Lodge, Lake Placid, United States

Built in 2005 using local timber and stone, Whiteface Lodge is all-suite resort that exudes warmth and friendliness along with plush luxury. Perfect for family vacations or those looking to get away with friends, the Lodge is considered a home away from home for many aided by the extremely friendly staff. The sepia-tinted suites all boast slate floors and cast iron fireplaces. Rustic elegance at its finest. Visit hotel website

Ritz-Carlton New York, United States

An elegant refuge in the middle of a frantic city, the Ritz Carleton is a 33-story town house like tower located on Central Park South. Dark hardwoods and polished brass abound here lending an air of a well-heeled gentlemen’s club. Guest rooms all feature Frette linens, brocade drapes and seven pillows. An outstanding hotel that makes one feel like royalty. Visit hotel website

Leela Palace Kempinski, Bangalore

An art-deco hotel that draws its inspiration from the royal palaces of Bangalore? Whatever the motivation, the result is spectacular. Outside a feast for the senses, with a cornucopia of marble fountains and waterfalls. Inside opulence beyond imagining, including copper domes, endless chandeliers, gold leaf paintings, timber floors and hand tufted rugs. The in-house Jamavar restaurant is not to be missed! Visit hotel website

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