Spain Travel

iExplore Community: Spain Tourism, Things To Do In Spain, Spain Travel Keyword Search: -- Home Trip Finder Travel Guides Community Special Offers Store My iExplore Journals & Reviews | Travel Photos | Get Answers | Find a Travel Buddy | Earn Rewards advertisement Community Join the iExplore Community for FREE! Search for Travel Reviews Search for Travel Photos Write Reviews & Post Photos Find a Travel Buddy Ask a Question Log In: Email Address: Password: Not a member yet? Join now for free! What is the iExplore Community? First-hand travel reviews and photos from everyday travelers like you. Members Spotlight Irene writes: "Frankfurt is a vibrant metropolis of shimmering skyscrapers, a charming old world town center, and i"... read more icheapa writes: "Good eats for cheap. This is my list of dining experiences in the diverse cuisines in Chicago. So"... read more Search in Travel Reviews Travel Photos Members All Sections Advanced Search Spain Activities Lodging Dining Culture Nightlife Experiences Journal Name: Solo Travel around Spain Member Name: islandgirl83 (Register or Login to see this member's profile!) Type of Trip: Pleasure Date Created: 11/3/2005 Description: I traveled for the first time on my own around the country of Spain by train. I visited seven destinations in Spain, including: Barcelona, San Sebastian, Madrid, Cordoba, Sevilla, Granada, and Valencia. I did this trip over the course of 3 weeks, staying in youth hostels and cheap hotels. Entry Category Member Recommendation Content Rating Solo Travel around Spain Overview N/A Hostel New York Lodging Recommended Lolo Urban House- Enjoy San Sebastian Lodging Very Highly Recommended Barbieri International Hostel Lodging Somewhat Recommended Mad Hostel Lodging Highly Recommended Albergue Juvenil Cordoba Lodging Highly Recommended Hostal Buen Dormir Lodging Recommended Funky Backpackers Hostel Lodging Recommended Home Youth Hostel Lodging Very Highly Recommended Old town San Sebastian Bars and Pubs Very Highly Recommended Dancing Madrid Bars and Pubs Highly Recommended Radio City Bars and Pubs Very Highly Recommended La Carboneria Live Performers Very Highly Recommended Museu Picasso Museums Very Highly Recommended Surfing San Sebastian! Other Sports Highly Recommended Parc Guell Parks and Zoos Very Highly Recommended Mirador San Nicolas Popular Sights Very Highly Recommended Ciudad de las Ciencias Popular Sights Very Highly Recommended Most Recent Spain Journals Solo Travel around Spain Pilgrimage to El Rocio 4 Weeks in Spain 2005 Spain There's more to Spain than museums advertisement Spain Photos About Us Advertise Site Map Privacy Policy Travel Agents Contact Us iExplore has not reviewed the content found on this community page and does not endorse the information found therein.Please refer to our terms of use . Why iExplore? | Advertise | Site Map | Privacy Policy | Travel Agents --

Travel Insurance

QBE Insurance Group - Home Page If you can read this your browser does not support javascript or this feature is currently switched off. Please update your browser using one of the following links or enable javascripting via your browser settings. Click here to download Internet Explorer 6 Click here to download Mozilla QBE Insurance Group "QBE Insurance is Australia's leading International General Insurance and Reinsurance groups and one of the to 25 world wide." Core underwriting entities Standard & Poor's Rating = A+ Our Vision internationally recognised as a highly successful general insurance and reinsurance group; a builder of shareholders' wealth; a developer of "can do" people; and an organisation that excels in the continuous delivery of new and proven quality products and services. Our Values increasing the long-term wealth of shareholders; customer satisfaction and retention; employee satisfaction; and integrity. Divisions Group Annual Report Press Releases Shareholder Centre Financial Centre Webcasts Australia "QBE Insurance Australia, protecting people in all walks of life - from the home to the office and beyond" From our humble beginnings as the North Queensland Insurance company we have grown into a sophisticated provider of general insurance products. Our strength is our diversity. We provide over nine broad categories of general insurance. We provide comprehensive protection for peoples' homes, their lifestyles, their work environments. As a group, QBE works together to improve our customer service, our technology and our products. QBE Insurance - Aviation QBE Insurance - Commercial - QBE Mercantile Mutual QBE Insurance - Compulsory Third Party - CTP QBE Insurance - Corporate QBE Insurance - Personal - WQBE - Western QBE QBE Insurance - Professional Liability QBE Insurance - Surety QBE Insurance - Trade Credit QBE Insurance - Travel QBE Insurance - Workers Compensation Application for Credit Limit Endorsement QBE Insurance - Europe QBE Insurance - Asia Pacific QBE Asia Pacific: Our Vision Increasing Accountability Local Knowledge - Specialist Expertise Thriving on Complexity Our Vision - QBE Asia Pacific We aim to be recognised within the Asia Pacific markets as: a highly successful provider of specialist insurance solutions a team of results-oriented entrepreneurs with high levels of expertise and integrity a strong and ethical business partner an organisation that thrives on innovation and excels in the delivery of quality products and services a builder of customer value and shareholder wealth Increasing Accountability & Litigation For Asia Pacific companies to thrive in today's challenging business environment, they must be smarter, quicker and more entrepreneurial. They constantly face new business exposures and challenges arising from government regulation and common law. The margin for error has been squeezed in business today, and managers are confronted by the global trend of increasing accountability and litigation. They need specialist insurance solutions, backed by technical expertise. Equally as important, they need risk management experts with specialist knowledge who can translate the global into practical solutions at the local level - and then provide the on-the-ground resources when they are needed most. QBE Asia Pacific Operations has developed considerable strengths to best serve clients. Our history of commitment to the Asia Pacific markets means that we've developed a wealth of knowledge and experience. Local Knowledge - Specialist Expertise Five of our operations were established in the late 1880s, and four more were established in the early 1890s. Building on this strong foundation, we entered four additional markets in the 1970s and 80s, and five more in the 1990s. We now have over 18 QBE operations in various markets throughout the Asia Pacific region. Each market features different characteristics and dynamics, and local market knowledge can make all the difference for clients. For example, QBE operates in: Mature markets such as Singapore, New Zealand and Japan Emerging markets such as Indonesia and the Philippines Developing markets such as Thailand and Malaysia Small markets characterised by tightly knit communities, such as Vanuatu and Micronesia Markets that are rapidly moving toward more open economies, such as Vietnam and China Markets that have seen new opportunities emerge from the return to their motherland, such as Macau and Hong Kong Markets that operate under French customs and law, such as New Caledonia and French Polynesia Markets that have experienced political and social upheavals, such as Fiji, Papua New Guinea and the Solomon Islands In each of these markets, local knowledge is invaluable. And with the internationalisation of trade and business practice, businesses also need an underwriter with specialist insurance expertise, vast global experience and solid financial strength. Thriving on Complexity Ours is a complex business, and we thrive on that challenge. It is also a dynamic one, with growth driven by an acquisition strategy and a commitment to the professional development of our local teams. We are a grass roots company that is international in every sense of the word. The combination of local knowledge and specialist expertise provides important benefits to clients and intermediaries. In Asia Pacific, it's the QBE difference! QBE Insurance - QBE Asia Pacific - Specialist Risks Unit QBE Insurance - QBE Asia Pacific - Marine Risks Network QBE Insurance - QBE Asia Pacific - Hong Kong QBE Insurance - QBE Asia Pacific - Indonesia QBE Insurance - QBE Asia Pacific - Macau QBE Insurance - QBE Asia Pacific - Mainland China QBE Insurance - QBE Asia Pacific - Malaysia QBE Insurance - QBE Asia Pacific - Philippines QBE Insurance - QBE Asia Pacific - Singapore QBE Insurance - QBE Asia Pacific - Thailand QBE Insurance - QBE Asia Pacific - Vietnam QBE Insurance - QBE Asia Pacific - Fiji QBE Insurance - QBE Asia Pacific - French Polynesia QBE Insurance - QBE Asia Pacific - Japan QBE Insurance - QBE Asia Pacific - Micronesia QBE Insurance - QBE Asia Pacific - New Caledonia QBE Insurance - QBE Asia Pacific - New Zealand QBE Insurance - QBE Asia Pacific - Papua New Guinea QBE Insurance - QBE Asia Pacific - Solomon Islands QBE Insurance - QBE Asia Pacific - Vanuatu QBE Insurance - the Americas QBE Insurance Group Limited, is an insurance and reinsurance company publicly traded on the Australian Stock Exchange. Its history dates back over 116 years when the Company was founded in Australia. Since then the Company has grown to have operations in 47 countries with over $2 billion dollars of capital writing in excess of $3 billion dollars in premium. QBE the Americas operations commenced in 1986 when the QBE Insurance Group established a presence in the U.S. QBE the Americas now conducts business through its five companies, QBE Reinsurance Corporation, QBE Insurance Corporation, QBE Aseguradora de Riesgos del Trabajo S.A.,Argentina, QBE Del Istmo, Panama and QBE Brasil Seguros S.A. Lloyd's The Lloyd's division comprises QBE's share of the Lloyd's syndicates managed by Limit. The 2001 results are the first to contain a full year of activity from the acquisition of Limit in August 2000. Gross written premium for the Lloyd's division was $2,182 million, compared with $547 million last year. Net earned premium was up 273% to $1,365 million. Significant progress was made during 2001 towards achieving the objectives set out in last year's annual report. The rationalisation of the structure of the Lloyd's division continued with the merger of syndicates 79 and 2999, the closure of the under-performing syndicate 456 and the disposal of the property and aviation syndicate 318. This resulted in a significant reallocation of QBE's capital towards its best performing Lloyd's syndicates. Our exposure to poor performing US liability business was significantly reduced. QBE is now the sole capital provider to each of Limit's syndicates, other than syndicate 386 where our share has increased to over 40%. For the 2002 underwriting year, QBE provides 78% of Limit's aggregate capacity compared with 72% in 2001. The tragic events of 11 September overshadowed the year and the World Trade Center (WTC) loss had a significant impact on performance. In addition, upgrades were made to prior year outstanding claims provisions, principally to reflect adverse development on US liability business seen across the market. These upgrades have been substantially mitigated by reinsurance protections and provisions established on acquisition to allow for deterioration. Consequently, the result for the year largely reflects the performance of the 2001 underwriting year. The claims ratio was 72.9%, compared with 59.4% for last year. The combined operating ratio was 108.6%, compared with 101.1% last year. Excluding the WTC loss, the combined operating ratio would have been 101.0%. The movement in the commission ratio from 27.3% to 24.6% reflects the change in the mix of business during 2001. The decrease in the expense ratio from 14.4% to 11.1% reflects the synergies and savings delivered by the integration of QBE's former Lloyd's operations with Limit, partly offset by residual post acquisition integration costs during the year. 2001 was a transitional year in the market cycle with the rate increases anticipated at the start of the year not materialising until at least the middle of the year and, in some cases, not until after the impact of 11 September. We are now seeing substantial increases in premium rates across all classes of business underwritten within the Lloyd's division. These rate increases, together with a high level of business retention, new business opportunities and the reallocation of QBE's capital, should ensure profitability for the 2002 underwriting year. Our objectives for 2002 are to: take advantage of the dramatically improved rating environment and return all areas of underwriting to strong profitability; seek further rationalisation of the underwriting and operating structure in order to improve capital efficiency and our expense ratio; acquire further capacity on syndicate 386 as it becomes available; and be actively involved in the reforms proposed for the Lloyd's market. Our business at Lloyd's remains highly dependent upon the quality and commitment of our underwriters and their business franchise. I thank them for their efforts and achievements, which have ensured that QBE's Lloyd's division is now ideally positioned to take advantage of the hard market conditions now prevailing at Lloyd's. Steven Burns, Managing director, Lloyd's division Global Trade Credit "QBE Trade Credit, World-Wide credit solutions in an increasingly volatile business environment" QBE's Trade Credit underwrites $30bn of domestic and export trade credit from units in Australia, New Zealand, Asia and Europe having extensive experience in assessing risks in over 150 markets. We are a Standard and Poors A+ rated company. Supported by a product range of tailored solutions to your credit needs, QBE is uniquely placed to offer our clients the opportunity to conduct business in a secure environment. Established in 1962, we have in the last four decades risen to become the largest Australian Insurer offering both Domestic and Export trade credit insurance and have expanded offshore to service our clients locally around the world. QBE Re QBE Re is a leading global reinsurer providing treaty and facultative reinsurance, direct insurance, and other financial products to its varied clients. QBE Re conducts business through three Divisions: Australia, Europe, and the Americas. As a global reinsurer, QBE Re underwrites traditional and financial products covering all major lines and classes of business. Through its divisional network of companies, QBE Re excels in providing regional expertise and service tailored to local-market needs. For additional solutions from QBE Re, please visit our local teams: QBE Insurance - Australia QBE Insurance - Europe QBE Insurance - the Americas

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Escape Rental - worldwide vacation rentals. Home | Search Vacation Rentals | List Your Properties | Owner Login | Visitor Login | About Us | Contact Us | Links Canada (146) United States (1275) Mexico (116) Caribbean (153) Central America (28) South America (36) Europe (747) Africa (23) Asia (17) The Charming Villa Nuba apartments , Perugia Italy Spectacular Oceanfront Brand Spanking Ne , Cabo San Lucas Mexico Vacation rentals worldwide We offer thousands of vacation rentals by owner all around the world in the most exciting places - in mountain retreats, seaside resorts, exciting cities, romantic countryside and many more. Our list includes villas, apartments, cottages, ranches and hotels. All vacation rentals are located in the most popular destinations. Let us help with your holiday plans - we can help you find a comfortable "home away from home". Finding vacation property with Escape Rental is easy. Select a destination, find a vacation property you like and book it directly. All the properties have a large number of pictures, a detailed description, a list of amenities, rates and contact information. You can contact the property owner directly- either by email or phone. USA: Alabama · Arizona · California · Colorado · Connecticut · Delaware · Florida · Georgia · Hawaii · Idaho · Illinois · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Mississippi · Missouri · Montana · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · Tennessee · Texas · Utah · Vermont · Virginia · Washington · EUROPE: Belgium · Bulgaria · Croatia · Czech Republic · France · Germany · Greece · Holland · · Ireland · Italy · Malta · Norway · Poland · Portugal · Romania · Russia · Spain Sweden · Switzerland · Turkey · UK · MEXICO : Acapulco · Cabo San Lucas · Cancun · Cozumel · Playa Del Carmen · Puerto Vallarta · San Jose del Cabo · CARIBBEAN: Anegada · Antigua & Barbuda · Bahamas · Bermuda · Cayman Islands · Dominican Republic · Grenada · Jamaica · Puerto Rico · St. Croix · St. John · St. Lucia · St. Martin · Virgin Gorda · CENTRAL AMERICA : Belize · Costa Rica · Cuba · Honduras · Trinidad & Tobago · SOUTH PACIFIC: Australia · Fiji · TOP DESTINATIONS : Amsterdam · Bali · Barcelona · Berlin · Buenos Aires · Canary Island · Cannes · Cape Cod · Cape Town · Destin · Disney · Edinburgh · Florence · Ibiza · Kauai · Key West · Lake Tahoe · Las Vegas · London · Lisbon · Madrid · Mallorca · Maui · Miami · Miami Beach · Monterey · Myrtle Beach · New Orleans · Nice · Oahu · Orlando · Paris · Prague · Rio De Janeiro · Rome · San Diego · Savannah · Sydney · Tuscany · Venice · Francais Español Deutsch Home | Search Vacation Rentals | List Your Properties Owner Login | Visitor Login | About Us | Contact Us | Links 2002 Escape Rental ™ . All Rights Reserved. Property owners : Register today! Visitors: Register today! How do I search for properties? How do I register? How do I make a reservation? How do I list my properties? How do I update my listings? Tell A Friend Bookmark EscapeRental Escape Rental: info@escaperental.com

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Japan Travel

Japan Travel Information | Lonely Planet Destination Guide worldguide | shop | thorn tree forum | travel services | travel ticker | theme guides | on the road | postcards | travel links : Explore Japan Japan Hyperbolic, kitty-cute, switched-on, serene. At a Glance Fast Facts WORLDGUIDE Introduction Background Info See Image Gallery Events Transport Money General RELATED Thorn Tree Forum Postcards Travel Links More Places Check out our other destinations: Within Japan Kyoto Nagoya Osaka Sapporo Tokyo View Map Click here Feature Attraction Mt Fuji Japan's highest mountain stands 3776m (12388ft) high. When it's capped with snow, it's a picture-postcard perfect volcanic cone. Fuji-san last blew in ... more Whether you end up taking photos of a reproduction Eiffel Tower, surfing an indoor wave, musing in a Zen temple, shacking up in a love hotel or kipping down in a capsule, you'll do best to come with an open mind and be prepared to be surprised. Somewhere between the elegant formality of Japanese manners and the candid, sometimes boisterous exchanges that take place over a few drinks, between the sanitised shopping malls and the unexpected rural festivals, everyone finds their own vision of Japan. When To Go Spring (March to May), with its clear skies and cherry blossoms, is probably the most celebrated Japanese season, but it's a holiday period for the Japanese and many of the more popular travel destinations tend to be flooded with domestic tourists. Autumn (September to November) is a great time to travel: the temperatures are pleasant, and the autumn colours in the countryside are fantastic. Mid-winter (December to February) can be bitterly cold, while the sticky summer months (June to August) can turn even the briefest excursion out of the air conditioning into a soup bath; on the plus side, major tourist attractions will generally be quieter at these times of the year. It's also worth considering peak holiday seasons when you plan your trip. Moving around and finding accommodation during New Year, Golden Week (late April to early May) and the midsummer O-Bon festival can be a real headache. Factoid Inking the King Japanese tattooing ( irezumi ) is often considered the world's best. The practice was banned under the Emperor Meiji, but revived after Prince George (later King George V) was tattooed, in 1881, by master tattooist Hori Chyo. SPONSORED LINKS Enquire Accomodation Reviews Find Lonely Planet author reviewed places to stay * Required Fields Country * Please select Argentina Australia Austria Belgium Brazil Canada China Cuba Czech Republic Denmark Egypt England Estonia Finland France Germany Hungary Iceland India Ireland Israel & the Palestinian Territories Italy Japan Malaysia Mexico Morocco Netherlands New Zealand Poland Portugal Russia Scotland South Africa South Korea Spain Sweden Taiwan Thailand Turkey USA United Arab Emirates Vietnam City * Please select Travel Services · Flights · Hostels · Hotels · Travel Insurance More Services › Disclaimer: We've tried to make theinformation on this web site as accurate as possible, but it isprovided 'as is' and we accept no responsibility for any loss, injuryor inconvenience sustained by anyone resulting from this information.You should verify critical information (like visas, health and safety,customs and transportation) with the relevant authorities before youtravel. text & images © lonely planet 2005 about us | privacy | feedback | advertising FAQs worldguide | shop | thorn tree forum | travel services | travel ticker | theme guides | on the road | postcards | travel links