Update: Fluid App v1.9 – 70+ App Downloads!

Last week, we proudly released the world’s only interest free credit app. After months of intense engineering, we finally shipped our product. It’s an amazing experience for me and my entire team. Our friends at LendIt Conference and CrowdfundInsider has both covered our story. For that we thank then. You can take a look at these news pieces here and here.

Our journey to help 22 million university students to build credit doesn’t stop here. We’ve uncovered a few bugs in our initial release and we shipped another version, version 1.9 two days ago. We resolved an issue that plagued how your password was initially set and we also fixed a bank login issue that prevented applicants from completing the application. These are all issues that we should have caught but didn’t, for that I promise that we will strive for a better experience moving forward.

In our initial first week of release, we’ve had over 70 downloads and many feedbacks from our friends and family. We appreciate everyone’s comments, emails and most importantly your believe in us to make a difference in people’s lives.

In the coming weeks, we have planned a few more releases address a variety of features both to help our customers understand our app better and also giving our operations staff better tools to service our customers. We are very excited to start a dialog with our university students seeking help with their credit needs. Please call us at 1-888-4-FluidFi or email us at support@fluidfi.com. We’d love to hear from you.

Please help us to engage a whole new conversion with the best and brightest minds in our universities on credit and credit education. Here are few talk off points for older siblings to their younger siblings or parents to their kids:

  • Borrow only what you need
  • Make on time payment and watch your credit score grow.
  • Keep your spending in control
  • Look at fine prints for fees and interests

Until next time, please take a look at our app and share this with a college kids you know.

From all of us at Fluid, thank you!

Tim

Fluid: Travel Credit Card Comparison – Capital One vs. Chase vs. Bank of America

You need your travel rewards to be ready when you are because top travel credit cards help you earn points toward a free trip faster! If you’ll be spending your credit card rewards on travel, then a travel credit card is certain to give you the biggest return for your hard-earned buck.

From airfare to hotel lodging to car rentals and more, travel credit cards offer you a no-hassle experience by making it easy to get travel loans. And when you’re traveling abroad, cards with no foreign transaction fees are invaluable. In addition to high earning rates, many cards offer incredible introductory bonuses.

Since figuring out the best travel credit card can be difficult, we have compared and highlighted below the best travel credit cards:

I. For a quick overview, this chart will help:

Name
Transaction Fee
Miles or Points reward
Purchase APR
Verdict
Capital One Venture Rewards Card
$0 intro for first year; $59 after that
Unlimited 2x miles on all purchases, one-time 40,000 bonus miles once you spend $3,000 on purchases within 3 months from account opening
13.74% – 23.74% (Variable)
Great travel card with flexible reward usage, 40,000 intro bonus miles (equivalent to $400 in travel), no blackout dates or restrictions
Chase Freedom Unlimited
0% Intro for 15 months from account opening on purchases and balance transfer fee is 5% of the amount transferred, $5 minimum.
No annual fee
Unlimited automatic 1.5% cash back on every purchase
Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
15.74-24.49%.
(Variable)
Great travel card. Redeem for cash – any amount, anytime
Cash Back rewards do not expire as long as your account is open
BankAmericard Travel Rewards Credit Card
0% Intro for 12 billing cycles for purchases
No annual fee, no foreign transaction fees
Unlimited 1.5 points per $1 spent on all purchases,
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
15.74% – 23.74% (Variable)
This is a low interest travel rewards credit card issued by Bank of America with a $0 annual fee. Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees

II. For a detailed comparison, our analysis here will help:

Capital One® Venture® Rewards Credit Card

  • Offers a one-time bonus of 20,000 miles (equal to $200 in travel) when you spend $1,000 on purchases within 3 months from account opening
  • No annual fee, enjoy a low intro APR on purchases for 12 months; 12.74%-22.74% variable APR afterwards.
  • Earn unlimited 1.25 miles per dollar on every purchase, every day and pay
  • Miles don’t expire and there’s no limit to how many miles you can earn
  • Capital One offers zero foreign transaction fee and is perfect for simple travel rewards.
  • Travel when you want with no blackout dates; fly any airline, stay at any hotel, anytime
  • no blackout dates or restrictions

Chase Freedom Unlimited

Chase Freedom is great for earning cash back hassle-free

  • Enjoy unlimited automatic 1.5% cash back on every purchase
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74-24.49%.
  • Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Redeem for cash – any amount, anytime
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

BankAmericard Travel Rewards Credit Card

This is a low interest travel rewards credit card issued by Bank of America with a $0 annual fee. Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees

  • Enjoy unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don’t expire.
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days – that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.74% – 23.74% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account

Get Money from Fluid to Travel

Are you a student interested in travel loans? FluidFi.com is the avenue you seek. Fluid App allows students to borrow money interest free. Fluid’s micro-loan product has 0% interest and $0 fees. Students pay back in 3 or 6 months terms and borrow again. No other financial product beats this. Also, Fluid is designed specifically to build credit for college students in America. Fluid reports repayment activities to national credit bureaus from day one to truly build credit for students. Most credit card companies have been removed from American campuses resulting in students having very limited ways to build credit while in college. This is an unbeatable advantage.

 

The Fluid Difference:

  • Builds your credit score
  • Enjoy 0% interest rate
  • Zero transaction fee
  • Student friendly and highly interactive app
  • Pay back in 3 or 6 months terms and borrow again.
  • All repayment activities will be reported to credit bureaus from day one to help you build your credit score.

Download FluidApp from app store today to enjoy 0% interest rate and build your credit score!

Ugly Truth Behind Capital One Secured Card

We have a lot of recently graduated university students come to Fluid wishing our product was available while they were in school to help them build credit. For those that are still in college, don’t wait any longer. Go to Apple iTunes App store and download Fluid App. Start building your credit today buy borrowing a small amount of money and pay back on a monthly basis at no cost to our students.

Bad Financial Products Hurting Students

There are some ugly and unsavory products out there that prays on the fact that college kids have no real option to build their credit while in school. These products such as sub prime credit cards or secured credit cards asks for a deposit upfront as a requirement to build credit. Most of us don’t have the up front cash to get it started. Some of of these so called rebuilding credit products such as Capital One’s Secured Card is a shining examples of a bad product gone wrong.

Secured Card Fees

Starting with fees. Capital One’s secured credit card requires you to put down $50 to $200 dollars just to get a credit card. What do you get in exchange? Just $200 of credit line. You can slowly work yourself up to $1,000 but there are other stipulations such as that you can’t have more than 2 credit cards with capital one. There are a list of criteria that are unfriendly to college students. Such as you have to $425 dollars of discretionary income after rent and mortgage. Most of our college students doesn’t have a steady income year round and sometimes their room and board is supplemented by parents or school. Left overs from part time jobs or other part time income won’t satisfy Capital One’s secured card requirements.

Secured Card High Interest Rate

Whether it is cash advance or purchase, Capital One’s secured card charges students 24.99% APR. This annual percentage rate is an compounding interest rate, meaning that there is interest on interest. If you ever leave a balance on the secured card and only paid the minimum, it will take many years to pay off the high interest rate and you might end up hurting yourself financially in the long run.

The other aspects of this 24.99% APR is that it is not a fixed annualized percentage rate. Looking closely into the fine print, this rate various depending on an bank borrowing rate or Prime Rate. If Prime Rate goes up and you have a balance left on this secured card, your rate could go up without notice and your ability to pay off the entire balance is hampered again.

Secured Cards Are Not For Students

Capital One’s secured card is really for someone that’s playing catchup after graduation, worse, got bad credit because of lack of financial education. We talked to a few college graduates that are already in the work force. For various reasons, they didn’t build credit while in college and got a rude awakening when they found out that they had no credit or credit score. There only option was to use high fee and high interest secured card and it took them on average over 2 years to build up their credit. Without a good credit score, they end up with expensive forms of financing when it comes to student loans, car loans and unable to purchase a home because of it.

Our friends wished someone should have educated them about credit while in college and that they wished that there was a good product available to students to build credit while in school. Instead of waiting for years after college to get a decent credit score, they could have done it and saves all that time by building credit in school.

Fluid App

At Fluid, we believe that there should be a better product for students to educate themselves with credit and a product that actually helps students to build credit. Fluid is an app which you can use to borrow a small amount of money. Each month, you pay it back and that activity is then reported to credit bureaus. Your payment history is one of the most important elements of a good credit score. On time payments, borrow what you need and keep your spending in check are the three hallmarks of keeping a healthy financial life and are the foundations of a great credit score.

A great credit score will allow you to purchase an apartment or a home, lease the car of your dreams and refinance or consolidate your students loans into a low single payment. Why not start today by downloading Fluid App from Apple iTunes App store and give it a try. It’s free to use.

Team Fluid

 

 

Read This Before Applying For Discover “Student Card”

Before you apply for that Discover Student Card, there are a few things you should know. In 2010, the U.S. government banned all banks and credit card companies from going onto campus and advertise their financial products. In fact, the U.S. government passed a law forbid companies like Discover and Capital One to be within 1,000 feet of any university campus?

Why?

The bottom line is Discover Card and Capital One’s high Interests and fees. These companies found a way to pray on our university students and entice them with t-shirts and pizzas to sign up for credit cards that the students can’t afford to pay back. On top of that, these credit card companies charges students over 24% plus compounding interests. If you are ever late on your payment, there is a $35 to $37 late fee. Capital One made millions off of the backs of students and that was the reason why the U.S. government passed a law called The Credit Card Responsibility Act. Fast forward a few years, these products with very similar terms are creeping back into the public eyes.

Facts & Fine Print

Let’s get to the chase. Discover charges students 13.74% – 22.74% APR (annual percentage rate). If you own $500 dollars to discover on their credit card, it will take you over 2 years and $135 interest to pay off your debt. If you are ever late on your payment, you have to fork over $37 and if one of your payment bounced, you have to fork over another $37. Any student or parents reading this need to think twice about getting themselves into a product like this.

It could hurt you

Missing a payment or two because of high interest rate and high fees from Discover Card can hurt you. Just like on time payments are reported to the credit bureaus, missing payment or late payment are also reported to the credit bureaus. If you end up with a credit card from Discover and you got tripped up by high interest rates and high fees, Discover will report this to the credit bureaus and they may end up offering you a disservice.

Thanks to federal regulations, credit card companies have to disclose their fees and interest rates. However the real terms and fees are hyperlinked on Discover’s website and it’s hard to find if you aren’t careful.

Compounding Interest

Okay, for all your business and finance majors, this might be a review. However for the rest of us, compounding interest is what credit card companies like Discover charges you. To put it simply, compounding interest is interests on top of interest. Let’s say that you own $500, and you are only making minimum payments each month and you are carrying a balance on your credit card. The interest accrued on your balance is added to the total balance and the credit card company is charging you an interested on the prior interest and balance together. This is a single biggest factor on how students get into mountains of credit card debt. The credit card companies wants you to pay the minimum payment so they can keep on charge you interest on top of interest. Get educated on compounding interest here: https://en.wikipedia.org/wiki/Compound_interest

The Fluid Differnece

Fluid App believes there is a better product and better solution for our students. A product that carries 0% interest and 0% fees. We don’t believe in penalizing students, we believe in rewarding students. We don’t believe in making millions off of the back of our college students, we believe in financial education.

Fluid is an app where you can borrow up to $500 dollars and pay back in 3 to 6 installment payments. We report this activity to all consumer credit bureaus so you get the benefit of building a great credit score.

Ever wonder about what your cross town rival college is doing with their credit score? Fluid provides a head to head contest between all universities on their average credit score. If you do well, your school will do well. Help your university rank higher by borrowing less, making on time payments and be careful with student credit cards that will cost you a fortune.

Yours,

Team Fluid

Download Fluid App at: https://itunes.apple.com/us/app/fluid-app/id1157853544?mt=8

Why should I care about credit? I am invincible!

We know that you got into an awesome college of your choice. You finally moved away from your parents. The adrenaline and anxiety is overwhelming. Roommate, workload, classes and friends at home are occupying everyone’s mind. For someone of us, the next four years is awesome, emotional, tiring and exhilarating at the same time.

You attend every class, nailing those exams, making great life long friends and most importantly getting ready for the next stage of your life.

If you are in Princeton, Yales, Stanford or Duke, your average GPA is 3.28, 3.51, 3.55 and 3.44 respectively. If you study Engineering, Math, Biology or Chemistry, your GPA is 2.90, 2.90, 3.02 and 2.78 respectively.

We become obsessed with numbers.

There is another number that could be as important as your GPA, that is a credit score. Often, we hear from our students that they found out about not having credit after graduation. When they are apply at SOFI, Common Bond for a student refinance loan, or getting their first new car at Ford or Toyota, they are all of the sudden comforted with the harsh reality of not having any credit.

What is credit?

Credit is a measure of your capacity to borrow and pay back. A number that measures that capacity is called a credit score. Some of us might have heard of a type of credit score called FICO. It is a company called Fair Isaac that takes information from your credit report to calculate a credit score. It uses things such as how long you have been on credit bureau’s radar, are you paying your financial obligations on time and so forth. It is a score typically between 300 to 900. The higher the score, the better FICO thinks your ability to borrow and pay back is.

There is just one problem…

You have to have credit to get a credit score. Where do you start?  Am I already too late to build my credit? How come no one has talked to be about credit? My parents told me that credit card is bad and you shouldn’t spend more than you earn. Some of the credit card products are bad with high interests and fees and we all agree that you shouldn’t overspend. However, have a great credit or credit score is essential to get the best pricing when you refinance your student loans, buying that shinny new car or even getting the apartment you really wanted.

What are my options?

7 years ago, the government essentially prevented large banks and credit card issuers from going on campus and advertise their products. The reason was to prevent credit card companies to over charge students with fees. The gesture is commendable but the unindented consequence is that the banks were reporting these activities to credit bureaus and in a way, helping students to build credit. That option is no longer available.

In come Fluid. We are now offering a great app served up right on your phone to offer a no cost micro loan to help you build credit while you are in college. Instead of finding out about credit and credit score after college, Fluid will equip you with knowledge and put a product in your hands that actually build credit. Signing up with Credit Karma and Nerdwallet has it’s perks but they don’t offer a finance product that actually help you build credit. Using Venmo to pay your friends is a great way to settle your bills, but you have to have some dough to start. Fluid solves both of these problems.

Give us a try and we love to hear your thoughts on this product: Download it here: https://itunes.apple.com/us/app/fluid-app/id1157853544?mt=8

Team Fluid

Tour Agency Review Part 4: Contiki vs. The Yacht Week vs. Intrepid Travel

Source: Stride Travel

Contiki vs. The Yacht Week vs. Intrepid Travel

In previous posts, we have reviewed tour operators offering group travel deals to Millennials, and particular focus has been on Contiki Tours, TheYachtWeek and Intrepid Travels. Here is the concluding part of this series and we will be comparing the 3 tour operators.

  • Contiki Tours, European Travel Ventures (TheYachtWeek) and Intrepid Travels are all college student friendly tour operators offering group travel opportunities.
  • While Intrepid tours are more (but not limited) about cultural diversity and exploring native lifestyles at destinations, Contiki trips and TheYachtWeek offer more contemporary experiences and activities.
  • While fees for Contiki and Intrepid trips would virtually cover all expenses except for some extra basic comforts which might be optional, TheYachtWeek requires preparing for unavoidable extra expenses to cover yacht fuel, tips for skippers and many more.
  • Going on TheYachtWeek, tourists are at liberty to select their yacht mates but with an equal gender ratio, however, Contiki and Intrepid form the tour groups on behalf of their tourists, bringing together like-minded individuals in most cases.

Unique Trip Features of each Tour Operator:

  • Contiki Tours has been around for 55 years and is undoubtedly a giant in the travel industry. This tour operator covers destinations in over 60 countries and offers 8 trip packages to globetrotters between 18-35 years of age. The trip packages include Camping, Easy Pace, Festivals and Short stays, Discovery, High Energy, Sailing and Cruise, Winter and Ski and Indepth Explorer trips. Each trip is organized to cater for different travel preferences both on land and water. Common to all the packages is the “ME Time” which allows for some DIY exploration, provision of air-conditioned coaches to convey tourists around destinations as well as well-trained tour guides to provide necessary support. With Contiki, solo travelers and couples are welcome and trips can be embarked upon at an affordable fee.
  • TheYachtWeek is mainly for water travel and caters for tourists within the age range of 20-30. If your goal is to sail across new destinations all week, amidst wild fun and sufficient booze, then this is a perfect group tour for you. The Croatia, Greece Athens, Montenegro Adriatic, Spain Mallorca, Italy Sicily, Caribbean British Virgin Island and the Croatia Ultra Festival are the 7 main routes available for TheYachtWeek exploration. Whichever route you choose, you will have lots to eat and drink and also enjoy a lot of partying, beach activities and sightseeing.
  • Our third tour operator, Intrepid Travel is notable for small group travel based strictly on local culture. The Homestay feature of the trip styles makes it preferred for college students who are enthusiastic about cultural diversity. The Basix trip style presents an affordable trip style for tourists on a tight budget, however, the Original and Comfort trip styles presents added benefits to travelers who don’t mind spending a bit more. Intrepid also ensures local leaders are available on all the tours to provide support in respect of food recommendations and attractions.

Now that you have accurate information about different tour operators for group travel, what is holding you back? Certainly not finances as Fluid’s financial passport presents an unrestricted access to any destination you want to explore. There is nothing as cool as getting up to $1000 in credit to finance your student travel dreams and paying back within 90 days at zero interest! Visit here to learn more.

Fluid Tour Agency Review Part 3: Intrepid Travel

Source: Adventure Tourism

In continuation of our travel partner review series aligned to assist college students in taking the right travel decision, we will be exploring another giant in the tourism world today! For Millennials and young travelers who would love to explore new destinations on a fun tour, Intrepid comes to mind.

Intrepid is famous as the world’s largest small group adventure travel company focusing on grassroots trips. Headquartered in Melbourne, Australia, Intrepid was founded in 1988 by Darrell Wade and Geoff Manchester and has since grown to offer over 1500 itineraries across all continents.

The uniqueness of Intrepid revolve around different travel styles, all focusing on local culture and places. Also, the average group size of 10 across all the tours allows tourists the real freedom and flexibility to get the best of adventures. Intrepid is the choice tour operator among college students and solo travelers as the company ensures affordability and prioritises group travel made up of like-minded people whether they will be meeting for the first time or not.

To cater for a wide range of travellers, Intrepid has 3 major travel styles. Here:

  • Basix Style: This is perfectly designed to provide budget travelers with an amazing adventure devoid of bank breaking. Its unique features include plenty of free time to experience more of the destination, comfortable accommodation that includes homestays with locals, group activities such as market visits, orientation walks and more. Transportation around the destinations is included as part of the adventure and this might include riding on donkeys. Basix trips can be embarked upon with as low as $324.
  • Original Style: Trips in this category are termed “Original” because travelers get to enjoy real life adventure reminiscent of trips in the 80s when the first set of Intrepid tourists hit the roads. Think of a relaxed travel experience with enough free time and a balance of group activities. Accommodation includes lodging in tourist-class hotels, homestays and camping. There are different trips in this category, such as Best of Morocco, Everest Base Camp, Ulury Adventure, Southern Ocean Wildlife Adventure and more.
  • Comfort Style: With this trip style, travelers get to enjoy all the thrills of adventure with more comfort and of course for a little bit more. Travelers enjoy more included meals, comfortable hotels, more leader-led activities, more private transport and a more relaxed travel pace. Trips in this category include Classic Nepal, Antarctic Express Crossing the Circle, Egypt Experience, Sensational Sri Lanka, Bhutan Discovered and more.

To ensure real life experiences built around the cultural values and people of each destination, Intrepid utilizes the services of Local Leaders for all trips. These individuals are familiar with the terrain and well trained to assist tourists with food choices and recommend attractions. This also adds to the local experience. You can find more about Intrepid trips here.

In order to provide the needed financial support for college students who make a large percentage of travelers to these destinations, Fluid Travel is up with an amazing social credit system where student travelers can receive up to $1000 to finance their travel dreams with up to 90days allowed for repayment at 0% interest rate! Sign Up to learn more.

Tour Agency Review Part 2: The Yacht Week

Source: theyachtweek

In continuation of posts on travel partner, we will be exploring the world on yachts this week! For Millennials who would love to explore new destinations on a group tour, TheYachtWeek comes to mind. It is typically a seven-day sailing holiday concept for 20-30 year olds by European Travel Ventures. Now here is the idea. The event is structured for holiday makers to choose from different routes that are unique in terms of partying and exploration. So, you simply join an armada of yachts which could be up to 50 on any route, afterwards, you proceed to selecting yacht-mates baring gender balance in mind and make other arrangements, such as booking a skipper and probably hiring a cook for the week if you don’t mind spending extra. Activities involve mainly partying and exploring locations.

To have a closer look at the different routes available, read on:

  • Croatia Original Route: This route has more yachts than any destination. If you are a summer-loving seafarer, this is not a route you would want to ignore. Parts of what you should look out for are the floating raft parties, regatta race, dinner in an ancient fort and lots more.
  • Greece Athens Route: Choosing to sail this route will present you with a mixture of leisure and wild fun in the right proportions. Want to sail this route? Expect the all-white party, Nikki beach pool parties, raft parties, donkey rides around the ruins of hydra and of course delicious Greek cuisines. Don’t also forget to explore the beautiful islands as you dock.
  • Croatia Ultra Festival Route: In contrast to the Croatia Original route, sailing the Croatia Ultra gives yachtweekers an exclusive access to the Ultra Beach. It is also laden with lots of electronic music provided by world class DJs, floating raft parties and beach activities.
  • Montenegro Adriatic Route: This is a new addition. Yachtweekers get to cool off swimming in the Adriatic, exploring coastal towns and have the best clubbing experience ever at the Almara beach club and Porto Montenegro Yacht Club. If you are a lover of beautiful natural landscapes laced with steep mountains and lush vegetation, this is a route you wouldn’t want to miss.
  • Spain Mallorca Route: This is another new addition for 2017. Get on the Mallorca route to see the Island’s expansive sandy beaches and mountainous terrain. You will also get to explore the hidden caves and catch some real fun partaking in the floating raft and themed regatta parties. On a final note, don’t miss seeing one of the world’s most beautiful capitals – Palma de Mallorca – for anything!
  • Italy Sicily Route: If you have been longing for big time adventure and uniquely prepared Italian cuisines, this is the right route for you. You will get to explore the Aeolian Islands with its ancient rocky formations, enjoy a good ride on the island and have lots of playtime with fellow yachtweekers on the beach. Check here for more details.
  • Caribbean British Virgin Islands Route: The Caribbean route is not where you would afford to miss if lots of beach and island activities is what you seek. From the Soggy Dollar cocktails, the seaside yoga, all-white party, regatta race, floating raft party to the closing party at Norman Island, you can be assured of real fun. You also have the opportunity of engaging in underwater snorkeling and exploring the islands.

For all the destinations of TheYachtWeek, be prepared to bear additional costs to cover Yacht fuel, skipper, hostess, port fees, tips, food and drinks, flights and water taxis. The exact routes get communicated to you in about 2 weeks before the event. Visit here to learn more.

TheYachtWeek is a group travel event famous for the real life fun it presents. Are you still wondering on how to you will get to sail one of these routes, let’s help you with our social credit plan custom made for college students. Sign up to learn more about this amazing opportunity.

Tour Operator Review Part 1: Explore the World Traveling Contiki

Tour Operator Review Part 1: Explore the World Traveling Contiki

Over the years, making use of tour operators to facilitate seamless travel goals has gained popularity especially among young travelers. This is because group traveling has become preferable to solo traveling and tour operators tend to take the stress of preparing for such trips off their clients by negotiating the best rates possible regarding accommodation, flights, and other logistics. With such arrangements, holiday makers would simply select their preferred locations, make payments and take off on the chosen date. Isn’t that cool?

While there are many tour operators globally, our next series of posts will be comparing top tour operators. Let’s begin from the first on our list:

Contiki Tours

Source: Contiki Tours

Contiki has established itself as a leader in the travel industry. The company, which now covers 60 countries in 5 continents was founded in 1962 with the purpose of creating coach trips for young travelers within 18-35years of age. 55 years down the line, it has grown to be the choice travel agency among this age group. Contiki draws its strength from a well trained workforce made up of tour guides who are both friendly and knowledgeable about the culture, tradition and attractions at different destinations. In a bid to accommodate different travel preferences, Contiki has 8 types of trip packages that travelers can choose from.

  • Discovery Trips: It is a perfect option for inquisitive travelers who would love to explore new locations. This package features guided sightseeing, comfortable accommodation, transportation around locations in air-conditioned coaches fitted with movie and WiFi systems, meals at local restaurants, and a “ME Time” for more explorations. Travelers can embark on Discovery Trips to Europe, the US, Canada, Australia, New Zealand, Asia and South America.
  • High Energy Trips: This is the perfect option for the energetic 24hour traveler who would love to see all sights and experience thrilling late nights. Features include overnights and special stopovers at Contiki-owned facilities such as the French Chateau and the Swiss Chalet; comfortable transportation around locations, tasty meals, guided tour of special attractions, exclusive access to Contiki-only bars and night clubs and more. Locations in Europe, the US, Canada, Australia and South America are covered.
  • In-depth Explorer Trips: Are you interested in disentangling the intricacies behind the history of your choice destination? This trip option is definitely what you need. In-depth Explorer trips are planned to allow less travel time but more to explore places. Features include guided tours, comfortable accommodation, tasty meals at local restaurants, an abundance of ME Time, comfortable transportation and more. This package allows travelers to have a feel of entirely different cultures and make amazing discoveries around Europe, the US, Canada, Australia, New Zealand, Asia and South America.
  • Easy Pace Trips: Trips in this category are planned to allow travelers more time at different locations. About 2-3 days is spent in a location before moving to another. Features include guided tours, less traveling time, special stopovers, an abundance of ME Time for do-it-yourself exploring, comfortable accommodations, air-conditioned coaches for transportation and many more. Destinations covered are in Europe, the US, Canada, Australia, New Zealand and South America.
  • Camping Trips: If you are looking too abscond from summer the stress of everyday activities and enjoy the hot summer outdoors without breaking the bank, this might be your best bet. Features include campfires, locally sourced cuisines and access, pizzerias, clubs and bars. A typical camping trip will take you back to experience 1962 when it all started! Only European destinations are covered.
  • Sailing and Cruise Trips: This is exclusively for water travel enthusiasts and travelers who don’t mind new experiences. Opting for this package takes you round the Mediterranean in exquisite vessels; it also features guided access to Europe’s hottest spots, comfortable accommodation, delicious local cuisines and more.
  • Festivals and Short Stays: Do you wish to celebrate the Christmas, New Year or Easter at an entirely different location? Would you love to experience the music and events peculiar to certain tribes and cultures? This package would provide the fun you seek! Travelers can choose to lodge in hotels, hostels or camps. Other features include air-conditioned coach transportation, guided tours and more.
  • Winter and Ski Trips: Going on a Contiki Winter and Ski trip means having outdoor fun such as ice-skating. Travelers could also spend less by opting for off-peak periods in autumn or spring. Features include guided tours, comfortable accommodation options in hotels, hostels or special stopovers, ME Time, air-conditioned coaches and more. Destinations are in Europe, the US, Canada and New Zealand.

In all, Contiki trips range from $56 – $239 and allow couples, solo and group travelers. You can find more details here.

As the world’s first social credit for student travelers, Fluid has made it very easy to secure student travel loans in form of social credits at no costs. So while Contiki does all of the planning so you can get on with enjoying the trip, Fluid actually gets you on the trip by providing you with travel loans.

Give it a gander and go sign up at travel.fluidfi.com!

Top Travel Destinations for College Students – Part 3

Top Travel Destinations for College Students – PART 3

Here is the continuation of the series on student travel; we will continue the process of revealing top low budget travel destinations to guide your decision-making as a college student. Remember to visit here to enjoy our special social credit for college students. Read on:

Albania

Source: Ourwanderland

This naturally adorned European country was dubbed as the fourth global touristic destination by the New York Times in 2014. The country is rich in sandy beaches, lagoons, sea caves and mountains. Begin a memorable tour of Albania from the heart of the country where the colourful Tirana City is situated. Here, you can visit the scenic Mt. Dajti National Park, the National History Museum and The Pyramid, a notable building you wouldn’t want to miss visiting.

Gjiroskastra is another city notable for castles and slate-roofed houses. Here, you will find destinations such as The Army Museum, Gjiroskastra Castle and the Skenduli House which dates from 1700. These sites can be explored with just 200leke each, which is approximately $2. Before you end your visit, take some time to visit The Albanian Riviera, where you can find Porto Palermo Beach, Llamani Beach and Filikuri Beach. Also, the area is the haven for many international music festivals. Other destinations are: the Llogara Pass, Berat (UNESCO World Heritage Site) and Saranda.

Let’s help you plan your trip:

  • Accommodation (Hostel dorm bed): $11.67/day
  • Bus rides: $11.67/day
  • Food and Drinks: $22.38/day
  • Visits to attractions: $6/day

Book cheap and comfortable hostels for your Albania trip here. If your budget would accommodate hotel lodgings in some of the tourist destinations, you can make your bookings here.

Sri Lanka

Source: Touch-Travel

This scenic island country is located in South Asia. Sri Lanka is filled with lush forests, beaches and gushing waterfalls that will keep beckoning on you to explore. Commence your tour with a visit to Nuwara Eliya, also known as “Little England” due to its unique weather condition similar to that of England. Formerly known as Ceylon, Sri Lanka is imbued with evidence of pre-historic human settlements and a huge collection of biodiversity. The country is home to about 91 species of mammals including elephants, leopards and buffaloes. Blue whales and dolphins are also common sights in the ocean around Sri Lanka. So if you are a wildlife enthusiast, you can be assured of a swell time with a visit to Yala National park. Arugam bay is another tourist destination situated at about 320km due east of Colombo, it is a perfect location for surfing. Other tourist destinations include: Adam’s Peak and Sigiriya. During your stay, you can engage in Scuba Diving, Hot air ballooning, Elephant riding and White water rafting in the Keliniya River, Kithulgala. Finaly, you shouldn’t miss taking the Sri Lankan Tea and Spicy cuisines for anything.

Here is a typical student-friendly budget:

  • Accommodation (Hostel dorm bed): $16.02/day
  • Bus rides: $0.46/day
  • Food and drinks: $8.73/day
  • Visits to attractions: $15/day

In total, a daily budget of $40.21 would suffice. Comfortable and affordable hostel accommodations can be found in hostelbookers, if your budget on accommodation is higher, you might want to check SriLankaTravels for suitable hotels.

Thailand

Source: Eizy

This is another Southeast Asian country suitable that can be explored on a low budget. Thailand has a rich cultural heritage and lush vegetation that can hardly be found elsewhere. Places you can visit include: Bangkok, where you can find the Grand Palace and Wat Phra Kaew which is the most sacred Buddhist temple that also houses the Emerald Buddha among other attractions. For beaches, Hua Hin is notably Thailand’s oldest beach resort; others are Ko Samui, Pattaya and Phuket. You will also love the Chumphon Archipelago as well as the Khao Yai National Park Heo Suwat Waterfall. Top up your stay with a visit to the spa for a nice traditional Thai massage, you would like to return for more! Outdoor activities you can engage in include: Scuba diving, Snorkelling, Surfing and Longboarding among others. Now, let’s look at the budget:

  • Accommodation (Hostel dorm bed): $6.63/day
  • Bus rides: $1.22/day
  • Food and drinks: $10.50/day
  • Visits to attractions: $3.34/day

For comfortable and cheap hostel bookings, visit hostelbookers or trip advisor.

To visit all these places, you don’t have to save for months, embrace our Financial Passport and see the world. With the social credit offered to students by Fluid, you can simply visit wherever you want and repay in 3 months at no interest. Sign up now!