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To avoid overextending yourself, keep your monthly debt obligation below 10 percent of your monthly net income after taxes. For example, if your net income is $800 a month, your monthly loan payments shouldnt be more than $80. That includes your credit card payment because your card is a loan, after all. Preparing for planned and unexpected expenses is the best way to guarantee that your credit history remains strong and unblemished over time. How you handle your bank accounts and other responsibilities may affect your credit worthiness, so the best way to establish a credit history is to exercise the credit already given to you. Use your credit responsibly. And be especially sensitive to the payment agreements you made when you established your accounts. The credit limit shown on your statement is the maximum amount that the institution that issued your card is prepared to lend you, based on your income and credit history. Avoid spending to your limit. Its a good idea to set aside a portion of your available credit so you have it for emergencies such as car repairs or unplanned medical costs. Although many lenders will consider increasing your limit upon request, a roadside garage is not the most comfortable place to make this call.


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Moreover, the term tourist is commonly seen rather negative, as mentioned by McCabe 2005. According to McCabe, being a tourist implies the reputation of behaving in a meaningless way without purpose. Therefore the more positive term traveller, as someone who likes to be engaged in the culture and society of a destination, is widely preferred. To understand this differentiation and its contrary social notion, it is necessary to examine our society, which is predominantly shaped by the concept of capitalism. According to Weber 1920, capitalism is rooted within the Calvinistic doctrine, a religious protestant way of thinking and living taught by Johannes Calvin in the 16th century. This doctrine is best expressed by Webers theory: Instead of enjoying the fruits of his work, the Calvinist will do his best to accumulate more fruits until the accumulation itself becomes his ideal in life Ostermann, 2009, p.



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Zhuang, D. R. Hurst, S. X. Sang. ColdSpring Harbor Laboratory Meeting on Proteolysis and Biological Control. ColdSpring Harbor, NY. May 2 6, 2001. 47. H. I.

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