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Travel Information of Vietnam Travel Information of Vietnam Map of Vietnam (50 KB) General Information | Climate & Weather Conditions | People and Culture Local Customs | Currency | Things to Know | Visas & Passport | Customs Regulations Travel to the Country | Travel within the Country | Sightseeing | Dining and Drinking Entertainment | Useful Phrases 1. GENERAL INFORMATION Vietnam borders with China in the north, Laos and Kampuchea in the West, and the Pacific Ocean in the east. Its lies in the centre of South-East Asia. Vietnam's territory stretches from Lung Cu village (Ha Tuyen province) in the north to Rach Tau hamlet (Minh Hai province) in the south. It is a S-shaped pennisula, with thousands of off-shore islands and archipelagoes; the biggest of which are the Hoang SA (Paracel) and Truong Sa (Spratly) Archipelagoes. Vietnam's mainland covers 331,689 square kilometres . According to archaeological discoveries made at Do Mountain, it is believed that life in Vietnam began as far back as 300,000 years ago. Officially, the history of Vietnam stretches back 4,000 years when it was founded by the Hung Kings. It was then named Van Lang. When speaking upon the history of Vietnam, it is important to note the large role played by the French in Vietnam. It began in 1858, when the French took over Danang in southern Vietnam. Over time, more and more territory was won over by the French. It wasn't until 1954, when the French surrendered to to the Viet Minh, ending the French Indochina War, that the French colonial control in Vietnam ended. The immediate image in the minds of most people at the mention of Vietnam is that of the war fought against the United States some twenty years ago. Most people think of the country only in terms of the American conflict in Indochina. The war ended nearly twenty years ago, and today, despite lingering signs of past American involvement, the situation in Vietnam is markedly different. People have finally begun to look at the country from another perspective, now that travelers and tourists from the West are being welcomed into what was once a forbidden country. It may take a bit more effort and tenacity to plan an excursion into Vietnam than it would for another Southeast Asian country, but Vietnam has much to offer in terms of culture and sights. Top 2. WEATHER CONDITIONS The weather in the southern part of Vietnam is tropical. It is monsoonal in the north, bringing a hot, rainy season from mid-May to mid-September and a warm, dry season from mid-October to mid-March. Occasional typhoons from May to January bring extensive flooding to the middle regions of Vietnam. Top 3. PEOPLE AND CULTURE The vast majority of the population is Vietnamese with minute percentages of Chinese. The Viet culture originated on the delta of the Red River and the Ma River where the Viet people cultivated paddy fields. They led a simple farming life in small villages, usually living around a communal house. Today the people living in the countryside follow this lifestyle. The Viet people are influenced by Confucianism, in particular the principle of respect for their elders. In spite of the immense suffering of the Vietnamese and the somewhat ruined state of the country, they are generally warm and friendly, and surprisingly, the Vietnamese bear little if any resentment or bitterness toward Americans. Children in the streets will commonly greet visitors with the name Lien Xo, which means Russian, but they will easily be corrected if you respond, "Hello!" or "Good morning" and explain you are an American, European or Australian, etc. Ethnic Groups: The country is predominantly 85-90% Vietnamese, 3% Chinese, ethnic minorities include Muong, Thai, Meo, Khmer, Man, Cham, and other mountain tribes. Languages: Vietnamese is the official language; French, Chinese, English, Khmer and tribal dialects (Mon-Khmer and Malayo-Polynesian) are also spoken. Religion: Buddhist, Confucian, Taoist, Roman Catholic, indigenous beliefs, Islamic and Protestant. Top 4. LOCAL CUSTOMS Be firm, yet diplomatic when dealing with officials who will often be very rigid. In the case of misunderstanding, patience is the best policy. Small gifts such as cigarette lighters, pens, foreign cigarettes, liquor, perfume and even shampoo are greatly appreciated by anyone you wish to make friends with in Vietnam. Out of politeness, always ask permission before taking photos of people. The same rule of thumb also applies to photos taken in places of worship. Permission will almost always be granted. A gentle handshake is the most appropriate manner of greeting. Be very discrete about giving anything to beggars frequently encountered in Ho Chi Minh City. If anyone is seen giving handouts to a beggar, he or she may end up being pursued by a mob of other beggars. This does not help create a good image for foreigners; it gives them instead the reputation of being easy to hit up for money. Beware of pickpockets. Keep your ID and passport in a safe place and carry only photocopies of those items. Remove your shoes before entering Buddhist pagodas. Small donations placed in the boxes found in temples are appreciated. It is acceptable to keep your shoes on within Chinese pagodas. Never let the soles of your feet face other people or any sacred monument, such as a statue of Buddha. Top 5. CURRENCY The Dong (D) is the official currency in Vietnam. Exchange rate is approximatley 1 USD = 15,000 Dong (Sep 01) Bank notes currently in circulation are in denominations of 100 / 200 / 500 / 1,000 / 2,000 / 5,000 / 10,000 / 20,000 and 50,000 Dong Notes under 200 Dong have little value and are rarely used. The U.S. dollar is more or less a second currency in Vietnam. Other foreign currencies are not readily accepted. A large supply of US$1, US$5 and US$10 are almost essential for tipping, for small expenses and for hotel bills. U.S. money is so common that change will frequently be given in dollars. You may bring in an unlimited amount of foreign currency as long as it is declared on the forms provided by customs officers. Foreign currency can be exchanged for dong at your hotel or at the State Bank of Vietnam. Top 6. THINGS TO KNOW Population: About 78 Million People Capital: Hanoi Flag: The flag of Vietman is red with a large yellow five-pointed star in the center. Shop Hours: Shops run from 7 or 8am to 11 or 11:30pm. Some are open from 1 or 2pm to 4 or 5pm. Bank Hours: Most banks are opened from 7am or 8am to 11am or 11:30am Some are open from 1pm or 2pm to 4pm or 5pm. Holidays January 1 Solar New Year's Day January/February Tet (Tet Nguyen Dan). The most important Vietnamese annual festival. This marks the new lunar year and the advent of spring. This is a three-day holiday, usually at the end of January or the beginning of February (according to the solar calendar) February 3 Anniversary of the Foundation of the Communist Party of Vietnam April 30 Liberation Day, the day on which Saigon (Ho Chi Minh City) fell to Hanoi in 1975. This holiday is commemorated nationwide. May 1 Labour Day May 19 Birthday of President Ho Chi Minh September 2 National Day of Vietnam Time: +7:00, Vietnam is 11 hours ahead of Eastern Standard Time and 14 hours ahead of Pacific Standard Time. Tipping: Tipping is not customary in Vietnam, but it is enormously appreciated. A 5-10% tip for a meal is a very small amount of money, but to the average Vietnamese, it could easily equal a day's wages. Avoid tipping too much, as it will set a precedent for others. Restaurants: Government-run restaurants catering to tourists add a 10% service charge to the bill. Porters: Porters, if they are available, can be tipped with American coins. Hotel maids: Government-run hotels catering to tourists charge an automatic 10% service fee. Taxis: Generous tips are not necessary. A small gratuity, however, is expected by cab drivers. Top 7. VISAS AND PASSPORT Passports and visas are required for entry into Vietnam. The best place to obtain a visa for Vietnam is Bangkok. The visa will specify where you will be arriving and where you will be leaving, in addition to how long you can stay. Formerly, tours had to be booked to obtain a visa, but this is no longer the situation. Potential visitors to Vietnam must fill out three applications for entry and exit visas, accompanied by three passport photos 4cm x 6cm. One of the applications must be sent to the most convenient diplomatic or consular mission of the Socialist Republic of Vietnam. The other two applications/photos are carried with you and handed in at the first point of entry. If you require Asia Travel to assist you in the application, please send an email with the following information to:asiatrav@asiatravel.com: Surname and first name Date and place of birth Nationality Present place of residence Profession Time and point of entry and exit Some Embassies of the Socialist Republic of Vietnam: Australia 6 Timbarra Crescent O'Malley ACT 2603 Tel (062) 866059 France 62, rue Boileau 75016 Paris Tel 4524-5063 or 4527-6255 Mexico Sierra Ventana 255 11000 Mexico, DF Tel 540-1612 Thailand 83/1 Wireless Road Bankok Tel (02) 251-7201 United Kingdom 12-14 Victoria Road London W8 5RD Tel 937-1912 Top 8. CUSTOMS REGULATIONS Duty-Free Items Visitors may import 200 cigarettes, 50 cigars or 250g of tobacco, 1 liter of wine, 1 liter of liquor and an unlimited amount of film. Commercial goods and items of high value being taken out of Vietnam require export permits from the Customs Service. Antiques may be confiscated permanently. No local currency may be taken out of the country. The Customs Service Headquarters 21 Ton Duc Thang St. Ho Chi Minh City Tel 90095 Top 9. TRAVEL TO THE COUNTRY Airports Noi Bai International Airport H anoi Tan Son Nhat Airport Ho Chi Minh City Fares are significantly lower for those flying to Ho Chi Minh City. Although flights are available from the capitals of most Southeast Asian countries as well as from Sydney and Melbourne, the best place is from Bangkok as visas are easiest to obtain there. Airlines Vietnam Airlines (International) 116-118 Nguyen Hue Blvd. Ho Chi Minh City Tel (08) 292118 Vietnam Airlines (Domestic) 27b Nguyen Dinh Chieu St. Ho Chi Minh City Tel (08) 299980 Air France Dong Khoi and Le Loi St. (Caravelle Hotel) Ho Chi Minh City Tel (08) 241278 Aeroflot 4H Le Loi St. Ho Chi Minh City Tel (08) 93489 Thai Airways 116 Nguyen Hue Blvd. Ho Chi Minh City Tel (08) 292118 Philippine Airlines Ho Chi Minh City Tel (08) 292200 MAS 116 Nguyen Hue Blvd. Ho Chi Minh City Tel (08) 30695 Trains There are currently no train lines running between Vietnam and its neighboring countries. Buses Traveling by road from Cambodia is a slow and expensive alternative to flying. It is highly advisable that travelers fly in instead. Ships and Ferries There are no official passenger services. Travelers may be able to ride on a cargo ship to Ho Chi Minh City, Danang or Haiphong from Hong Kong, Japan, Thailand, Singapore and France. Check with the local shipping and travel agencies for rates and availability. A ferry service runs from Cambodia to Chau Doc in the Mekong Delta. Top 10. TRAVEL WITHIN THE COUNTRY Cars Car rentals are currently not in existence. Cabs, which are unmarked cars without meters, can typically be rented for the day for US$30 to US$40. Trains The Vietnamese railway system runs from Ho Chi Minh City to Hanoi along the coast and links with Haiphong and the regions further north. Odd-numbered trains travel South, and even-numbered trains travel north. The fastest trains take at least 36 hours from Ho Chi Minh City to Hanoi. Reservations should be made a day or more in advance. The major setback to the railways is that tourists are charged many times more than Vietnamese people in the form of an outrageously high surcharge. For long distance traveling, it is best to fly. Buses The bus system runs almost everywhere within the country, with stations built around the country dividing the territory into regions. Buses tend to be slow and unreliable. Top 11. SIGHTSEEING Ho Chi Minh City This is the largest city in Vietnam. It is the industrial, commercial and cultural center of the country. The central city area is still called Saigon. WAR CRIME MUSEUM This museum exhibit crimes committed by the Americans during the war. Photographs of the famous My Lai massacre, human embryos, genetically deformed babies and innocent civilians being tortured can be seen on display. An array of US armored vehicles, artillery pieces, bombs and infantry weapons are displayed in the courtyard. You can also see a guillotine used by the French to de itate troublemakers in the riots of the 1920s and a model of the famous tiger cages used by the South Vietnamese to house VC prisoners on Con Son island. The War Crime Museum basically reveals a different side of the stories about wars - the innocent victims of modern warfare. HISTORICAL MUSEUM Built in 1929 by the Societe des Etudes Indochinioses, it was formerly named Blanchard dels Brosse. A big statute of President HoChiMinh stands in the main lounge of the museum. The museum has an excellent collection of artifacts illustrating the primitive age, bronze age, the Tran dynasty and the Le Dynasty. Take a look at the array of musical instrument especially the special monocord of the one string musical instruments. There are many valuable relics taken from Cambodia's Angkor Wat. REUNIFICATION PALACE In 1868, the Norodom Palace (original name) was built for the French Governor-General of Indochina. A striking modern architecture was built when the original buildings were damaged by bombs. Rebuilt in 1962, it comprises of a ground floor, 3 main floors, two mezzanines and a terrace for helicopter landing. The palace includes many tastefully decorated rooms such as the reception room, the cabinet reference room, the study rooms, the credentials presentation room and the banquet room. It also has a basement with a network of tunnels connecting to the telecom centre and war room and one of the longest tunnels which stretch all the way to the Revolutionary Museum. The grounds outside contain one of the first tanks to burst through the gates of the palace to signify the end of the Vietnam War as well as the fighter plane which dropped further bombs towards the end of the war. Independence Palace was renamed the Unification Palace to denote the spirit and strong will for national independence and reunification Ben Thanh Market The Ben Thanh Market, formerly the main railway terminal, is the largest of the markets scattered throughout the city. A wide variety of goods are available, from imported electronics to imported perfumes. Notre Dame Cathedral This Catholic church was constructed in 1883 and is located near the Tu Do (Dong Khoi) Street, the former red-light district. Presidential Palace This building is now called the Reunification Hall. The center was built as a modern administration center and is where the war and the American involvement in Vietnam ended in April 1975, with tanks invading the compound. Guided tours will take visitors through the various rooms within the complex. Cholon Ho Chi Minh City's Chinatown. Sights include the Binh Tay Market, the An Quang Pagoda (District 5) and the scenic Thien Hau Temple. Vinh Nghiem Pagoda A modern Japanese-style Buddhist temple, easily one of the largest and most impressive in Ho Chi Minh City. Tay Ninh Cu Chi Tunnels An extensive network of nearly 200 miles (322mi) of Viet Cong tunnels used in the French Indochina war and American war. The tunnels have complete facilities, from kitchens to printing presses and even street signs, all of which were used to aid the NLF (National Liberation Front) military. Tours involve a description of the tunnels, after which tourists are allowed to crawl about the maze. Located in Tay Ninh (suburb of Ho Chi Minh City), 24 miles (39km) northwest of central Ho Chi Minh City. CAO DAI TEMPLE Cao Daism seeks to create the ultimate religion by fusing Buddhist, Taoist, Confucianist and Catholic beliefs into a synthesis of its own. Witness the solemn ceremony of the unique religion - Caodaism at Caodai Holly See at its noon tide prayer service with followers dressed in red, blue, yellow and white robes. There is the divine eye above the altar, the religion's official symbol. The temple has nine levels which signify the nine steps to heaven, each level marked by a pair of multicoloured dragons. MEKONG DELTA One of the world's largest delta, the Delta Region is formed by the various tributaries of the mighty Mekong River which begins its journey to the sea in Tibet and winds its way for 4500 km through China, Burma, Laos, Thailand, Cambodia and Southern Vietnam. The vietnamese name for the Mekong is Cuu Long which means "nine dragons" and this is represented by the nine exit points of the Mekong River as it flows into the sea. The land of the Mekong Delta is renowned for its richness. Known as Vietnam's breadbasket, it produces enough rice to feed the entire country with a sizeable surplus leftover. Take a sampan ride that meanders through small villages and experience the simple lives of the Mekong people Vung Tau Beach Located at the mouth of the Saigon River is the popular Vung Tau beach resort. Pineapple Beach is probably the most pleasant, with its villas and generally tranquil atmosphere. The temples are a definite must-see. The Niet Ban Tinh Xa is the largest temple in Vietnam. Tourist accommodations are available at the Hoa Binh Hotel, as well as the Thang Loi, Thang Thai and Tho Nguyet. Nha Trang The central region near Nha Trang features some of the most beautiful beaches in Asia. The ocean waters are transparent, and the sands immaculate, attracting more and more visitors in recent times. Tours cover the Cham Ponagar complex, the north tower of which was built in 817 A.D. Ruins of the long-deceased Champa still stand as a testament to this once prominent kingdom. Dalat The mountain resort among the Central Highlands has scenic surroundings as well as remnants of the French colonial era. The Ethnic Minority Museum is certainly worth visiting for those interested in the costumes, gongs, ornaments and other artifacts collected by locals from the Lam Dong province. As another point of interest, there is even an old abandoned nuclear power plant. Danang City Known as Tourane under the French, Danang is a seaport of endless stretches of unspoiled sandy beach midway between Ha Noi to the north and Ho Chi Minh City to the South. The city was also the center of civilization of the Champa Kingdom, a kingdom which flourished In the area as early as the 2nd century A.D. Appealing stone sculptures (from the 4th-14th centuries) of Vishnu , Shiva and other Gods of this Kingdom can still be found in the Cham museum located in the center of the city Towards the coast south of Danang are five large hills known as the Marble Mountain. Mysterious caves within the mountains shelter altars delicated to Buddha, Bodhisattvas and The different genies arising from the popular beliefs of the area's inhabitants. With its own international and domestic airport, Danang provides an ideal stopover based for excursions to the ancient town of Hoi An, the imperial city of Hue and My Son-site of the Ruins from the Cham civilization. Cham Ruins For those interested in seeing all that these fifteen towers have to offer, plan on spending a minimum of one day. These towers are located at My Son in the Duy Xuyen district. Cham Museum The Cham Museum built in 1915, expanded in 1935 , completed in 1936, is in a lovely setting And has large, open well lighted rooms with around 296 statues and artifacts of the Cham People dated back to the 7th century. Marble Mountains Consisting of five limestone peaks, about five (8km) miles south of town. They can be explored by following the paths leading to the peaks. Non Nuoc Beach China Beach, one the most wonderful beaches of Vietnam , was once an in country rest and Recreation centre for the US military during the Vietnam War. Hoi An Ancient Town Forty-five minutes by land south-east of Da Nang is the ancient town of Hoi An, which was one of the most important trading ports in Southeast Asia for merchants from China, Japan and afar for a couple of centuries ago. Originally a seaport in the Champa Kingdom, by the 15th century It had become a coastal town under the Tran dynasty. Also served as the hub of East-West c ultural exchange, Hoi An's ancient past is superbly preserved in its fascinating temples, pagoda, shop houses and home which make up the town's old quarter. Walking in the streets of this ancient town, one can observe the influence of the architecture, Sculpture and decorative styles of China and Japan and the skill of former Vietnamese architects Who have absorbed their influences and created something similar yet somehow uniquely different. HUE Hue, the imperial city, the citadel-city of Phu Xuan was originally built up during the end of 17th Century and became a political capital as well as the Imperial City of Nguyen Dynasty from 1802 till 2nd September 1945 when the Communist Party, leaded by President Ho Chi Minh had declared the Independent of the Nation and took over the power from the defeated Japanese Governor. Nowadays, this small & poetical city of 280.000 habitants becomes one of the main tourism site of Vietnam destination by its splendid tombs of the Nguyen emperors, several notable pagodas especially the Thien Mu Pagoda, the remains of Citadel as well as the romantic Perfume River where a cruise tour with Hue music performance in the moonlight was always provided since long time ago. Normally, visiting Hue within a day is a bit rush but still enough time to cover the main attractive sites such as The Citadel, The museum of antique, the tombs of Khai Dinh and Tu Duc emperors and a 02 hours cruise with stop over at Thien Mu pagoda. Citadel & Forbidden City This forbidden city of 10km. perimeter has 4 main entrance gates and well defended by kilometers of rampart was built in 1804 by the first emperor Nguyen Anh on a site chosen by geomancers and look likes a Chinese forbidden city in Beijin. Some parts of this forbidden city were totally destroyed during the war where now are under reconstruction providing UNESCO & Japanese non-government associations' fund. Lucky thing is most of the main area such as the citadel (the Imperial Enclosure), Flag Tower were remain intact where received hundred of visitors daily. The Museum of Antique (Imperial museum) This beautiful hall which house the Imperial Museum was built in 1845. The most precious artefacts were lost during the war (1954-1973) and the liberation day (1975) but ceramics, furniture and royal relics are remain until the present time. Khai Dinh Emperor's Tomb This is the final monument of the Nguyen Dynasty. The complex features ceiling murals, frescoes and a dragon staircase. Located on the slopes of the Chau E Mountain, six miles (10km) south of town. It takes almost 10 years (1920-1931) to finish this grandiose concrete tomb which is completely unlike the others tombs where there was a mixture of typical Vietnamese & French colonial architecture. After climbing 36 steps passing by rows of elephants, horses, civil & military mandarin you will be reached the main building where a full original artefacts are displayed to the public. Tu Duc Emperor's Tomb The most impressive of the tombs and pagodas at Hue. Located at the tributaries of the Perfume River, seven miles (11km) south of Hue, this complex has beautiful architecture, intricate decor and military statues. This majestic and serene tomb with lake view, grove of pines, temples, living house area is the most expensive tomb which was completely terminated after 5 years by thousands of labor-worker (1863-1868) for this intellectual-poet emperor. Minh Mang Emperor's Tomb The most impressive of the tombs and pagodas at Hue. Located at the tributaries of the Perfume River, seven miles (11km) south of Hue, this complex has beautiful architecture, intricate decor and military statues. Thien Mu Pagoda & Perfume River Cruise Unlike the typical boat used to provide in the past the present Hue cruise is providing a motorized boat which carry a 2 hours cruise along Perfume River including a 30 min stop over Thien Mu pagoda. This pagoda located on the hillock overlooking the Perfume River, built in 1844 by Thieu Tri emperor, 21m-high octagonal tower with seven-storey is one of the most famous structures in all over the country and become an unofficial symbol of Hue until now. Hanoi One Pillar Pagoda Built in the 11th century, this pagoda sits on a stone pillar in the middle of a pond. This is one of the more unusual structures in Vietnam. Lenin Park (Thong Nhat Park) Built over a former marsh, this park surrounds a large lake containing a statue of Lenin, often the object of jokes among the locals. The park itself is quite beautiful. Tran Nhan Tong Street. National Preserve of Cuc Phuong This national park is one of the last tropical primeval forest reserves on Earth. There are 64 species of fauna and thousands of species of flora, many of which are extinct everywhere else in the world. Bizarre and fascinating species of animals from flying lizards to monkeys dwell within the park's 61,000 acres. Caves and grottoes, where various artifacts have been discovered, are located in the mountains within. Ha Nam Ninh Province. It is located approximately 62 miles (100 Km.) southwest of Hanoi. Thu Le Park Located northwest of Hanoi in the Thu Le village. Haiphong Cat Ba This island is the largest in the Cat Ba archipelago. It is potentially one of the major beach destinations in Southeast Asia. This region has beautiful beaches and pristine waters. Within the mountains are caves and grottos. Located 36 miles (58km) east of Haiphong. Halong Bay One of Vietnam's most beautiful areas, Halong Bay has fascinating limestone formations, coves for nighttime excursions, sheer cliffs, grottoes, arches and scores of small islets. Top 12. DINING AND DRINKING Vietnamese food varies from region to region. Almost 500 traditional dishes have been recorded! Rice and noodles are staple foods, served with nearly all meals. The most popular dishes are nema rn (spring rolls), bn thang (noodles with sliced pork, eggs, shredded chicken and shrimp), shellfish steamed with ginger and sea crabs fried with salt. Among common ingredients used are: shark fin, duck, pork paste, fish, spices, fruits, vegetables, crab meat, lobster and oysters. Imported beer is available in Vietnam, although a number of domestic beers are brewed. Rice wine is very popular, and there are many brands available. There is a variety of fruit wines such as apricot, orange or lemon. Soft drinks are processed from the many varieties of tropical fruits available. Water from the tap should be avoided, even though it has already been filtered and sterilized at 10C. If you must drink it, boil the water first. Top 13. ENTERTAINMENT Vietnam is not the place to go for the latest in nightspots, but a number of large hotels have nightclubs and dance halls. Bars are fairly easy to find, even in smaller hotels. Try asking the locals for the current popular spots. Top 14. EMERGENCY NUMBERS Police: 03 Ho Chi Minh City Police Station 161 Nguyen Du, Quan 1 Tel 99398 or 97107 Open from 8am-11am and 1pm-4pm Hanoi Police Office for the Registration of Foreign Visitors 63 Tran Hung Dao, Hanoi All visitors must register with the police within 48 hours of arrival. If you are on a tour, this should have been taken care of (but check anyway). Fire Department: 08 First Aid: 05 International Dialing Access: Available at major tourist hotels and post offices Country Code: 84 City Codes: Hanoi: 04 / Ho Chi Minh: 08 When calling from within the same city, delete the city code from the number. When calling to another city from within Vietnam, use the entire city code. When calling from outside Vietnam, delete the first digit (0) from the city code. Top 16. USEFUL PHRASES Greetings - Chao ong (ba) How are you? - Ong (ba) co khoe khong? Fine, thanks - Cam on rat tot My name is ... - Tn ti l ... I don't understand - Ti khng hi Restaruant - nh hng Telephone - din thoai Hotel - khch san Top Asia Travel || Vietnam Hotels & Resorts

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Tim Leffel's Cheapest Destinations Tim Leffel's Cheapest Destinations Places where a fistful of dollars will pay for weeks of hotels, train rides, and meals. December 12, 2005 Student Travel (Usually Cheap Travel) Thanks to Kathleen Crislip who runs the student travel section of About.com. She mentioned The World's Cheapest Destinations in her holiday gift feature: Top 10 Best Student Travel Books 2005. I feel kind of guilty being on this esteemed list since my book came out a few years ago. But I am hard at work on the home stretch of an updated version, due out sometime around the end of February next year. No earth-shattering changes, but much of Eastern Europe has gotten more expensive, especially for Americans, and a few up and comers have gotten more attractive. New additions will be Argentina, Nicaragua, and Romania. I want to keep the number at 21 though, which means a few will drop out and become "honorable mentions." I'm also adding a short bit on East Africa, since more than a few backpackers make that trek down the coast. Having just gotten back from Botswana and South Africa, however (more on that in the next blog), I stand by my assertion that just because a region has a lower per-capita GDP than where you come from, it doesn't mean it's a bargain. If you are a student traveling on a budget, as opposed to a trustafarian who just wears the uniform of the rebellious disenchanted, you need to go where your limited funds will go a long way. This means avoiding the places 90% of college kids on summer vacation set off for: Western Europe, Australia, the U.S., Canada, and New Zealand. Yes, it sounds cool to say you spent your summer bopping around London, Paris, Amsterdam, New York, and Sydney, but you'll come back with a debt load rivaling next semester's tuition. Look beyond the obvious--it'll be much more of an adventure, and you can live it up on the cheap. Posted by Tim Leffel at 10:43 AM November 29, 2005 A Home Abroad vs. A Home at Home Many long-term travelers daydream about not just passing through the places they go, but actually picking one and moving there. Their friends and relatives might tell them it's risky, but is it really more risky than buying something in our current overheated home markets? After all, with housing prices through the roof in most developed countries now, buying land or a house overseas is looking like a safer bet. I won't say more since I wrote a long article on the subject for the current issue of Offshore Real Estate and Investment Quarterly , put out by the publishers of EscapeArtist.com. But I will add that when you start reading EscapeArtist and International Living on a regular basis, you realize that some people don't just daydream about buying a little place of their own overseas someday--they really do it. Lots of them. Every month. Then after they get there, they often find they're spending a small fraction of what they did at home. A safer investment and cheaper living--a nice combination. Posted by Tim Leffel at 12:20 AM RSS Feed Forbes Best of the Web Buy The Book Untitled Document The Worlds Cheapest Destinations provides a capsule overview of 21 great travel bargains, with cost information for lodging, restaurant meals, local transportation, and attractions, including what you can get for a buck or less in each country. From the Great Pyramids to the Taj Mahal to some of the best snorkeling and diving spots on Earth, this book will show you where to have a fantastic experience without spending a fantastic fortune. Free Excerpt From The Book (PDF file - requires Adobe Acrobat Reader) Buy the Book Links Cheapest Destinations Web Site Destination Articles Search Search this site: Recent Entries Student Travel (Usually Cheap Travel) A Home Abroad vs. A Home at Home "Cheap" Travel is Relative More Reasons Not to Take a Cruise U.S. Survey - Our Airlines Suck Responsible Tourism - Your Job Too (Relaxed) Travel Is Good for Your Health Charities Block Famine-Relief Savings Do Your Homework Before You Travel Yo, What About Guatemala? Archives December 2005 November 2005 October 2005 September 2005 August 2005 July 2005 June 2005 May 2005 April 2005 March 2005 February 2005 January 2005 December 2004 November 2004 October 2004 September 2004 August 2004 July 2004 June 2004 May 2004 April 2004 March 2004 February 2004 January 2004 December 2003 November 2003 October 2003 September 2003 August 2003 July 2003 June 2003 May 2003 April 2003 Find Other Blogs Popdex Blogarama BlogUniverse BlogWise Eatonweb Globe Of Blogs Powered by Movable Type 2.63

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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. 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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

Switzerland Travel

Switzerland, Switzerland Travel Advice, Ski Switzerland, Skiing in Switzerland, Swiss Ski Resorts, Swiss, Switzerland Information,Jungfrau, Verbier, Saas Fee and more Swiss Skiing, Ski Europe, Poll Thai Resorts, Poll France Resorts, free travel newsletter About Activelifestyle | Contact | Activelifestyle total solutions package Snow reports Search Activelifestyle Select from list Partner hotels Brochures on-line Alpine routes Alpine ski maps EU golf maps TH golf maps UK Ski tours Golf video Ski video FREE Newsletter Snow Sports Gear SkiGear SkiJackets SnowboardBoots Ski Switzerland, Europe's spotless land of lakes and mountains. If skiing in Europe is your dream or if you do it frequently, skiing in Switzerland is a wise destination choice. World class ski resorts are all over Switzerland. World class ski lifts and mountain transportation will safely and comfortably get you into ski country, and some of the best hotels and restaurants in Europe will see to your comfort in Switzerland. Wining and dining in Switzerland are excellent activities and the Swiss kitchen, although underrated is certainly one of the best. Select from the resorts featured here-we will be adding more soon. Information for Travel in Switzerland Zermatt.com Saas Fee Château d'Oex Les Diablerets Leysin Villars Engelberg Luzern Verbier Switzerland.com Andermatt Crans-Montana Veysonnaz Adelboden Gstaad - Saanenland Davos St. Moritz Jungfrau Region.com Grindelwald Interlaken Lauterbrunnen Mürren Wengen Activelifestyle "news you can use" Advertise here pay per result Pay per click, per request or per month, change when you want, full reporting actone@activelifestyle.com Hotels in central Courmayeur Request here for great prices, great locations, and fast, friendly service Link to ME form with hotel list Activelifestyle "news you can use" Property Paradise? Invest for income or to live in Thailand. Paradise is yours. www.thailandpropertytimes.com Got something to say? Say it to a global audience. 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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 Iriomote-jima Dense jungle blankets much of Iriomote-jima, an island that could well qualify as Japan's last frontier. Trekking through the interior, you may find ... 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