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Working holidays and gap year programs Home | About Us | Destinations | Insurance | Request Brochure | FAQs | Offers | Contact Us | Working holidays , gap year jobs and volunteer work programmes abroad. Whether it's a gap year programme, volunteer opportunity, backpacking trip, working holiday or career break the Work & Travel Company offers full support packages. or click for a call back Australia 9am - 7pm Monday to Thursday 9am - 5.30pm Fridays Age 18 - 30? You can obtain a working holiday visa for up to 12 months. Click here for a great choice of programmes to help you work and travel in Australia . Age 31+? Never mind! We can still help with a tourist visa, insurance and other great stuff. How about joining Conservation Volunteers for a few weeks?. Thailand Temples, Beaches, Trekking & Volunteer Placement. Central & South America Learn Spanish in one of the top Spanish schools in one of 8 countries... Over 100 different volunteer projects with local, national and international organisations, schools and orphanages - Teach English, Community development, Nature Conservation and much much more! India Volunteer projects and camps, beaches, tropical treks and jungle Safaris. Nepal Experience local life on this new programme teaching English for 4 to 8 weeks, learn yoga, the culture and Nepali language. Canada Work in Canada for up to 12 months - we guarantee you a job before you go! Africa Join our wildlife volunteer programmes, helping to care for injured or orphaned animals at a rehabilitation project, or assisting with valuable research in the field. Help out on our community projects working with orphans, providing medical care, or helping a family build their home. Mongolia One of the last great adventure destinations in Asia! USA Student? Spend the summer working in America. Graduate, young professional or skilled worker? Advance your career with a 12-18 month placement. Malaysia Unique experiences in a unique country, diving, trekking and Orang-utans. New Zealand Age 18 - 30? Like Australia, you can obtain a working holiday visa for up to 23 months. We can find you work and get you set up with all you need. China An exciting new programme for ambitious and adventurous people who want to teach and experience amazing China. Mini Gap Year Abroad Need to get away this summer? If you have only a few months in which to travel, join one of our 2-3 month ' Summer Mini-Gaps ' to far away places. The Complete Gap Year Plan your own round the world trip , we can help make your plans come true. Click here to request a brochure Click here to contact a Programme Manager Click here to book a place on a programme Grown Up Gapper? Click Here Background Location Parents Page The Complete Gap Year Australia USA New Zealand Africa Malaysia Central & S. America Thailand India China Mongolia Canada Flights Travel Insurance Stop Overs Request a Brochure Download Brochure Terms & Conditions Australia USA Student's Summer Programme USA - Career Training New Zealand Southern Africa Central & S. America

Austria Travel Guide, climate:

Austria Travel Guide - Information and Advice Austria Travel Guide Information and Advice Austria Map | Austria Pictures Vienna Pictures | Vienna Travel Guide exodus specialises in “The different holiday”, offering the widest selection of walking, adventure, cycling, mountain biking, wildlife, cultural and winter holidays, and overland journeys across all seven continents! exodus: Homepage | Austria Tours | Brochure Request Austria Travel Guide, climate: Best: May - June, September for summer activities with less crowds and less heat than July/Aug, or Dec - March for a deep white winter. Worst: The country is rarely over hot or hideously overcrowded but July, August and Christmas are very busy times, while Oct/November can be miserable - dark, wet and grey. Length of stay: Minimum worthwhile stay, not incl. flights: Vienna and Salzburg - 4 days Recommended: At least 2 weeks to take in Vienna, Salzburg and some country/mountain activities. Main Festivals in Austria : mid May- June: Vienna Festival - wide range of arts, especially music, naturally, but also dance and theatre, sometimes challenging pieces, all set in magnificent buildings. mid July-Aug: ImPulsTanz - a dynamic and diverse dance festival across the whole of lovely Vienna. End July - end August: Salzburg Festival - opera and concerts. 'Europe's most prestigious summer musical event.' Very large, very expensive. Every year in Mozart's pretty home town. Dec 31st, Kaiserball - waltzing into Vienna's glamorous ball season is this, the ultimate in smart dances, set in the magnificent Hofburg Palace. No expense spared. For some precise dates, more suggestions and information see European Festivals or Arts Festivals Austria activities guide: Hiking: The Alps in summertime offer a zillion stunning, well-marked walking routes, open along with the spring flowers in late May. The Zillertal Alps are particularly scenic and leg friendly, and Zell am Ziller is a good starting point. Lifts help the less fit. Climbing: Plenty of challenging climbs available, with northern Tyrol being especially popular . Skiing: With all those mountains and snow Austria is a great downhill and cross-country ski destination, tho' not cheap. Tyrol and Vorarlberg are most popular. Hangliding & paragliding: Due to the excess of high places and affluence of the country, gliding is commonplace and kit can be rented easily from ski resorts. Rafting /canoeing: Land Salzburg [Salzburg Alps] has superb locations for watersports from quiet canoeing to wild white water rafting. Speed boats are restricted. Biking: This country is extremely bike friendly, with rental machines available from most railway stations and dedicated tracks everywhere. The best long route is the Lower Danube Cycle Track, running beside the river from Vienna to Naarn and passing many gorgeous medieval towns on the way. River Cruises: Lengthy and a bit slow on sights . If your travel time is limited don't bother with the Danube. Night life: Austria is culturally more about classical music than techno raves, tho' the natives do know how to have a good time. Austria Star Guide: Monuments *** Shopping and souvenirs ** Walkability ***** Food Quality and Variety *** Value for Money *** Hotel Prices and Value *** Beaches no sea! Wildlife ** Landscape ***** Local People **** Architecture ***** Safety ***** Nightlife and Clubbing **** Health Problems none Museums ***** Why Travel to Austria? It's efficient, safe, uncrowded [by locals - total population is about 8m], and has stunning towns and magnificent mountains . The rise and fall of the Hapsburg dynasty [1278- 1914] and the Austrian Empire is a monumental story, gone but not forgotten by tourists gaping at the mass of gothic, baroque and rococo royal relics or listening to present day concerts by long-dead Vienna inhabitants - Mozart, Strauss, Brahms and Beethoven to name but a few. Museums offer a lot more than Hapsburg lifestyle samples and cover many topics in great depth and style. The climate offers a comfortable heat in the summer and acceptable cold in winter, encouraging year-round outdoor activities, particularly summer hiking and winter skiing. Transport systems are brilliant and road access to other European cities is easy. Locals are friendly and many speak English. Downside: -Food is heavy and dedicated to carnivores. Vegetarians may have a hard time finding suitable body fuel. -German is more a language of command than conversation. Where to travel in Austria: 1] ***Vienna, a superbly walkable, beautiful, interesting city. Vienna page 2] **Salzburg. Mozart's home is a pretty little town - well, the old bit is - but heavily travelled and without much space to permit tourists to relax and enjoy its rampant baroquery properly. The castle towering over Salzburg is sturdily interesting, as is the cathedral, the Residenz [palace] and the nearby graveyard/catacombs, but the focus is more on where Wolfie the Wonder Boy grew up or Sound of Music locations. It's a very long day trip from Vienna so stay over and visit the 16thC town of Krems , magnificent Melk Abbey and Hellbrunn Palace on the way. Also worth a look, 48km from Salzburg, are the ice caves of Eisriesenwelt , near Werfen. Dramatic, elaborate shapes and frozen waterfalls line the 42km of explored caverns, tho' not all is open and guides may be necessary. Fascinating but cold and slippery so not suited to very young or old travellers. 3] ***Salzkammergut is a vista-overload resort area of mountains, lakes and charming towns just east of Salzburg. In the summer it offers walks and water sports, in winter skiing. Key towns are Bad Ischl [fashionable spa resort], St. Wolfgang [on Wolfgangsee Lake] and Hallstatt . 4] ***Grossglockner Road. If you have wheels and it's May-November then this stunning 50km mountain/glacier route will really honk your horn. Start the tortuous tour from Zell am See. 5] *** Innsbruck [Tyrol] A lovely, partly medieval city surrounded by spectacular peaks, it functions perfectly as a summer resort or winter sports base, though it doesn't have immediate access to slopes. Nearby is Seefeld, a prime ski resort that offers more than just slopes and Mutters , 'the most beautiful village in Tyrol' and romantic in any weather. 6 ] ** St Anton am Arlsberg [Tyrol] Near Switzerland this is another picturesque Tyrolean town with some of Europe's best skiing at reasonable prices. The Blue Danube? Not likely, muddy green at best. There is an explanation for the name however... Napoleon had never lost a battle when he came across the white coated Austrian army at Aspern, around the Danube, in 1809. The French, in blue coats, lost, and their bodies were thrown into the Danube. Due to poor dye quality the colour ran into the water, turning it temporarily blue. Strauss remembered the great victory in 1867 by calling his latest waltz, 'The Blue Danube.' Austria Tours Tour operators offering tours to Austria can be found in our listings here: Austria Tours For links to Tourist Offices, Embassies, Cheap Air Tickets, Currency Converter, Climate, Language advice, other online Travel Guides and more, visit Bugbog Travel Directory Map of Europe Visas: EU citizens and nationals of USA, Australia and New Zealand do not need visas for visits up to 90 days. Electricity: Electric sockets are 230v and take 2 round pin plugs. Safety: Crime is rare and more likely to be opportunistic theft by transient East Europeans rather than locals. Language: German is the native language but most Austrians under 50 speak excellent English. Cuisine Guide: This is not good weight-loss country . National dishes tend to be heavy, saucy and meat oriented - hardly surprising for a place with no coastline - while local cheeses, pastries, beers and wines are excellent and too tempting by half. Street snacks tend to be of the sausage, pickles and chunky bread variety. About the only thing that will not pile on the pounds is the superb coffee. Money: The currency is the Euro and prices are fairly high. ATMs are plentiful and most Traveller's Cheques accepted. If you plan to travel Austria you may find these other Bugbog guides to Europe useful: Germany Travel Guide Hungary Travel Guide Czech Republic Travel Guide Belgium Travel Guide Italy Travel Guide France Travel Guide Greece Travel Guide UK Travel Guide Travel Pictures | Destination Finder | Exotic Places | World Festivals | World Wonders | Safari Wildlife | Beaches | Top of Page European Places | Walking Tours | Travel Health | Travel Safety | Travel Directory | English Speaking Places | Tours Gap Year | Site Map | Travel Guide Homepage | Contact | Press | Advertising | Legal | Maps | Travelogue © 2000-2005 Bugbog

Cruise Vacations | Discount

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Orlando Vacation Packages Orlando

Delta Vacations - Orlando vacation package Orlando travel packages Membership log in E-mail address: Password: Remember me. Not A Member? Forgot Your Password? My Profile Related Links delta.com Vacation Protection Plan Special Group Rates SkyMiles Membership Last Minute Deals Home Orlando Vacation Packages Orlando Vacation Packages Your complete Orlando vacation package is just a few clicks away! Couched in a setting of comfortable tropical temperatures, warm breezes, and beautiful sunsets, this premier family vacation destination offers top attractions, exciting theme parks, world-class golfing, vibrant nightlife, and incredible shopping. Enjoy the fantasy and grandeur of the Walt Disney World ® Theme Parks. Feel as if you're actually a part of the movies at Universal Studios ® and experience legendary and mythical classics at Universal's Islands of Adventure SM . And don't forget to visit Shamu at SeaWorld Adventure Park ! Orlando offers an abundance of family fun! Create your perfect Orlando vacation package with Delta Vacations. Delta Vacations makes it easy to create your own customized Orlando vacation package in just a few clicks! See for yourself why purchasing a Delta Vacations package is right for you. Start planning your Orlando Vacation Package right now! More fun-filled vacations from Delta Vacations: All-Inclusive Vacation Packages Aruba Vacation Packages Bahamas Vacation Packages Cancun Vacation Packages Caribbean Vacation Packages Colorado Ski Vacation Packages Disney Vacation Packages Europe Vacation Packages Family Beach Vacation Packages Family Vacation Packages Florida Beach Vacation Packages Florida Vacation Packages Hawaii Vacation Packages Jamaica Vacation Packages Las Vegas Vacation Packages Maui Vacation Packages Mexico Vacation Packages Orlando Vacation Packages Ski Vacation Packages South Beach Vacation Packages Waikiki Vacation Packages Walt Disney World® Vacation Packages -- Wednesday, December 28, 2005 Save $300 on a Golf and Spa Getaway Earn 10,000 Bonus Miles to London 3 Night Packages to Turks & Caicos from $790 Search all Last Minute Deals -- Announcing Daily Flight Service Salt Lake to Cancun begins 6/1/05 Atlanta to Moscow begins 6/1/05 -- Member Registration ® 2005 Delta Vacations. All rights reserved. delta.com | Site Map | About Us | Privacy Policy | Legal Notices | Customer Care | Web Compatibility | Travel Agents ### ISHQWEBCVGNET01 ### ### --

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