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If you visit the U.S. for tourism or business, you may need a visitor visa, also known as a tourist visa. Learn how to get and renew this type of nonimmigrant visa.

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Find out how to check the status of your visa application online. And to avoid delays, learn how to update your address if you move while waiting for your visa to be approved.

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Foreign visitors: what to do if your visa or passport is lost or stolen

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Sri lanka launches new e-visa system: everything you need to know.

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Sri Lanka launched an e-visa system, streamlining the visa application process for travellers. The initiative offers updated requirements, fees, and validity periods, enhancing efficiency and convenience for various nationalities visiting for tourism, business, or transit.

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  • Police Clearance report.
  • If the applicant has stayed in another country for more than 6 months, a Police clearance from that country and a copy of the Visa.
  • Certificate from a Sri Lankan guarantor & a photocopy of the guarantor's NIC.
  • Affidavit from a Sri Lankan JP (Justice of Peace) or a Lawyer.
  • Accommodation information (Place of stay).
  • Visit the official website of Sri Lanka eVisa.
  • Create an account or log in if you already have one.
  • Fill out the online application form with accurate details.
  • Upload the required documents, including a scanned copy of your passport, a recent photograph, and any additional documents specified for your eVisa category.
  • Pay the eVisa fee securely online using the available payment options.
  • Once your application is submitted and payment is confirmed, you will receive an acknowledgment receipt and a unique application reference number.
  • Track the status of your eVisa application online using your reference number.
  • Upon approval, download and print your eVisa to present to the Immigration officer at the port of entry in Sri Lanka.
  • A printed copy of your eVisa approval letter issued by the Sri Lanka Department of Immigration and Emigration.
  • Your passport with a validity of at least six months from the date of entry into Sri Lanka.
  • A return ticket or proof of onward travel from Sri Lanka.

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  • Travel Insurance

The journalists on the editorial team at Forbes Advisor Australia base their research and opinions on objective, independent information-gathering.

When covering investment and personal finance stories, we aim to inform our readers rather than recommend specific financial product or asset classes. While we may highlight certain positives of a financial product or asset class, there is no guarantee that readers will benefit from the product or investment approach and may, in fact, make a loss if they acquire the product or adopt the approach.

To the extent any recommendations or statements of opinion or fact made in a story may constitute financial advice, they constitute general information and not personal financial advice in any form. As such, any recommendations or statements do not take into account the financial circumstances, investment objectives, tax implications, or any specific requirements of readers.

Readers of our stories should not act on any recommendation without first taking appropriate steps to verify the information in the stories consulting their independent financial adviser in order to ascertain whether the recommendation (if any) is appropriate, having regard to their investment objectives, financial situation and particular needs. Providing access to our stories should not be construed as investment advice or a solicitation to buy or sell any security or product, or to engage in or refrain from engaging in any transaction by Forbes Advisor Australia. In comparing various financial products and services, we are unable to compare every provider in the market so our rankings do not constitute a comprehensive review of a particular sector. While we do go to great lengths to ensure our ranking criteria matches the concerns of consumers, we cannot guarantee that every relevant feature of a financial product will be reviewed. We make every effort to provide accurate and up-to-date information. However, Forbes Advisor Australia cannot guarantee the accuracy, completeness or timeliness of this website. Forbes Advisor Australia accepts no responsibility to update any person regarding any inaccuracy, omission or change in information in our stories or any other information made available to a person, nor any obligation to furnish the person with any further information.

Travel Insurance For Vietnam: Everything You Need To Know

Updated: Apr 26, 2024, 11:14am

Table of Contents

Do australians need travel insurance for vietnam, what does travel insurance for vietnam cover, frequently asked questions (faqs).

Vietnam is an increasingly popular travel destination for Australians, with the country even hoping to encourage more Aussies to visit by potentially waiving visa requirements in due time.

The Southeast Asian country is set to be high on the list for Aussies going overseas in 2024. The number of Australian tourists in Vietnam now exceeds pre-pandemic levels: more than 317,000 Australians visited Vietnam in 2019 , while there were 390,000 Aussie visitors in 2023.

Plus, as more and more flights become available, such as low-cost carrier Vietjet Air launching a direct service between Hanoi and Melbourne earlier this year, getting to Vietnam is becoming easier for Australians.

If the direct flights, fascinating history, vast scenery and delicious food aren’t enough to convince Australian travellers, the cost may be. Vietnam is considered one of the cheapest travel destinations in the world for Australian tourists due to our strong conversion rate against the Vietnamese Dong and the nation’s low cost of living in comparison to our own.

And while cheap thrills may be what you’re after on your vacation, it’s important not to skimp on the necessities that may cost that little bit extra—such as travel insurance. This guide outlines what you need to know regarding travel insurance in Vietnam.

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$2,500 with option to increase to unlimited

Investing in travel insurance is a good idea for any overseas trip. Travel insurance policies can help protect you from having to dive deep into your pockets, with many offering unlimited medical treatment while abroad and cancellation cover for your trip should the unexpected occur.

Travel insurance is not just handy for medical purposes or travel changes, either. Your personal items can be covered, should any baggage go missing or an important item be stolen—which, unfortunately, often occurs in Vietnam.

Smarttraveller warns Australians to be alert at all times in Vietnam, considering petty theft–including bag slashing–is common in tourist areas and crowded places, especially during holiday times. Snatch-and-grab theft by thieves on motorcycles is also common, the website states.

Like most international travel insurance policies, you will be able to find basic coverage for your trip to Vietnam, or choose to opt for a more comprehensive, albeit more expensive, policy.

While a basic policy will often cover medical expenses and lost luggage,a comprehensive policy includes a lot more. Most basic policies also likely won’t offer compensation for travel delays, stolen cash, accidental death and more.

Additionally, if you are going on a trip to multiple countries within the year, it may be worth opting for an ‘annual multi trip’ insurance instead—making sure that there are no exclusions to the regions you are wishing to visit.

Visa Requirements For Australians Travelling to Vietnam

You’ll still be allowed to travel to Vietnam if you don’t invest in travel insurance, but you do so at your own risk—and, as stated, it is highly advised to have a travel insurance policy for any overseas trip.

However, what you cannot do is enter Vietnam as an Australian tourist without a tourist visa. While Vietnam will grant Australian citizens visas on arrival, applying for one online is much easier.

A tourist visa costs under $100 AUD; however the exact price depends on your length of stay.

The Vietnamese government may consider waiving visas for Australian citizens, especially since many other SEA countries have done so such as Indonesia and Thailand .

However, at the time of writing, Forbes Advisor Australia has confirmed that Australian citizens must still obtain a visa to visit Vietnam for tourism purposes.

The exact inclusions of your travel insurance will be dependent on your personal policy and the provider.

However, generally speaking, you can expect a travel insurance policy for Vietnam to offer some level of cover for:

  • Medical expenses;
  • Lost, damaged or stolen luggage;
  • Travel cancellations or delays ;
  • Personal liability;
  • Credit card fraud;
  • Covid-19 expenses;

If you are partaking in certain sports and activities, you will need to make sure that you choose a policy that covers them. You’ll also need to make sure that your policy covers any pre-existing medical conditions as well.

Plus, if you are travelling with valuables, you may wish to opt for a policy that lets you increase the protection cover on your items.

Ultimately, you need to consider what your trip consists of, what you will be taking with you, and your physical health to establish what policies would be appropriate for you.

From there, you can compare quotes of different policies and providers to ensure you have the optimal—yet affordable—cover for your trip to Vietnam.

Does Travel Insurance Cover The Ha-Giang Loop?

Considered one of the most scenic motorcycle routes in the world, the Ha-Giang Loop is a popular tourist activity in Vietnam for adventurous travellers. If the Ha-Giang Loop is one of your goals, you’ll need to make sure you have travel insurance that covers motorcycling.

Occasionally a policy may include this as one of their included ‘sports and activities’, but it is more often the case that you will need to purchase an additional ‘adventure pack’ that is either specific to, or includes, motorsports.

Even so, when purchasing an additional pack to cover motorbikes, you need to be cautious of the conditions. For example, some policies will only cover motorcycle riding if the bike you are riding has an engine under a certain size.

Often, coverage will cease and claims won’t be accepted if you haven’t been wearing the correct safety equipment such as boots and a helmet, or have been under the influence of drugs and alcohol.

What Does Travel Insurance Exclude?

Your travel insurance policy may exclude some activities that you wish to partake in, unless you can opt-in to purchase an additional adventure pack as explained above in regards to motorbike riding.

Just like with the inclusions of a policy, the exclusions depend on what type of policy you choose, and what provider you go with.

Commonly, however, you won’t be covered for instances where you:

  • Break the law;
  • Are under the influence of alcohol or drugs;
  • Partake in an excluded activity;
  • Receive medical treatment for a pre-existing condition that was not disclosed;
  • Travel to a ‘Do Not Travel’ destination as outlined by Smarttraveller.

As always, it is essential to read the product disclosure statement (PDS) of your travel insurance policy carefully to understand what you will and won’t be covered for while overseas.

Do I need a visa to travel to Vietnam?

Yes, as of April 2024, Australian tourists still need a visa to travel to Vietnam. This visa can be obtained on arrival, or purchased online prior to travel. The visa takes approximately three days to process online, and the cost depends on how long you intend to stay in the country.

Does international travel insurance cover Covid-19?

Many comprehensive travel insurance policies now cover Covid-19, including medical conditions related to Covid-19 or trip cancellations due to a Covid-19 diagnosis. However, it is not guaranteed that all policies will. It’s important to check your policy’s PDS carefully to understand what it will and will not cover in regards to Covid-19 for both you and your travelling companions.

Related: Travel Insurance And Covid: Are You Covered?

How much does travel insurance cost for Vietnam?

The cost of your travel insurance for a trip to Vietnam will depend on your age, your health, the activities you wish to partake in, and the length of your stay.

For example, for a 34 year old with no pre-existing medical conditions travelling to Vietnam for two weeks, a policy from some of our top choices for comprehensive travel insurance would cost around $130 (based on quotes from Cover-More , 1Cover , and Fast Cover ).

The prices of these quotes would change depending on a chosen excess, cancellation cover, and any additional coverage options you may choose to purchase such as adventure packs or cruise cover.

Related: How Much Does Travel Insurance Cost?

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Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany, Sophie has worked closely with finance experts and columnists around Australia and internationally.

New Schengen Visa Rules for Indian Visitors: Key Questions Answered 

Peden Doma Bhutia , Skift

April 23rd, 2024 at 5:39 AM EDT

Destinations value Indian travelers, but lengthy visa processing times lasting months act as significant deterrents. The adoption of these new regulations by European authorities reflects a proactive effort to tackle these concerns, aiming to boost tourism flow.

Peden Doma Bhutia

The European Commission has introduced a new visa “cascade” regime for Indian nationals applying for Schengen visas in India. This regime looks to offer longer-term, multi-entry Schengen visas, based on the applicant’s travel history.

Indian travel agents had been complaining of Schengen visa delays as a major challenge to the summer travel rush from India.

  • How does one qualify for the longer duration visas?

The European Commission can issue a two-year multiple-entry visa after a traveler “has obtained and lawfully used two visas within the previous three years.” This demonstrates a positive travel history and compliance with previous visa regulations.

Subsequently, after granting the two-year visa, authorities may issue a five-year visa if the passport has has adequate validity remaining.

  • What benefits do holders of these extended visas enjoy?

During the validity period of these visas, holders can enjoy travel rights equivalent to visa-free nationals within the Schengen area, allowing for short stays of up to 90 days within a 180-day period.

  • Which countries are part of the Schengen area?

The Schengen area comprises 29 European countries, including 25 European Union member states: Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Germany, Estonia, Greece, Spain, France, Italy, Latvia, Lithuania, Luxembourg, Hungary, Malta, Netherlands, Austria, Poland, Portugal, Romania, Slovenia, Slovakia, Finland, and Sweden. Additionally, Iceland, Liechtenstein, Norway, and Switzerland are also part of the Schengen area.

  • Are there any restrictions or conditions to these visas?

Schengen visas do not grant the right to work within the Schengen area and are for short stays only. Additionally, the visas are not purpose-bound, providing flexibility for travel within the specified period.

Industry Take

Skift also spoke to players in the Indian outbound travel industry to understand what has changed in the new Schengen visa rules.

  • How is this different from the earlier visas that Schengen countries offered? Don’t they already offer multi-entry visas with longer duration to Indians?

Mahendra Vakharia, managing director of Pathfinders Holidays, said there was no standard policy of Schengen states for issuing these long-term visas earlier. Switzerland, France, Netherlands, Italy and Spain usually issued long-term visa, but it was all subjective. “With this new policy it should be a standard rule now,” Vakharia said.

  • Travelers mainly complain of longer processing times, has that changed?

Here too, there is no standard processing time as it varies from country to country, according to Vakharia. “France and Spain have been processing visas within four days, and then there’s Croatia, which takes 60 days,” he said.

Processing time will not change as of now, it will take time for the visa rules to be enforced, said an industry source, while highlighting that the visa would be especially useful for corporate travelers.

What Promoted The Move?

Speaking on the possible motivations, Vakharia acknowledged various reasons, including administrative capacity constraints at embassies to cater to the huge inflow of applications.

“As there is an overwhelming demand from Indian travelers, the process of securing visa appointments has posed significant challenges , especially for travelers residing in cities lacking VFS Global centers,” he said.

The European Commission said in an statement that the decision reflects the EU-India Common Agenda on Migration and Mobility, aimed at fostering comprehensive cooperation on migration policy. Facilitating people-to-people contacts is a key aspect of this agenda, acknowledging India’s importance as an EU partner.

The decision also reflects a realization of the strong economic benefits derived through the spending power of Indian tourists. As Vakharia aptly puts it, “Why let go of the Golden Indian Goodie Bag?”

Skift India Report

The Skift India Report is your go-to newsletter for all news related to travel, tourism, airlines, and hospitality in India.

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Tags: asia monthly , europe , european commission , European summer travel , european union , india , india outbound , schengen , visa , visas

Photo credit: Park Guell in Spain. Unlike many Schengen countries, Spain has been processing visas within four days for Indian travelers. Mehmet Turgut Kirkgoz / Pexels

Want to work remotely in Italy? The country just launched its new digital nomad visa.

tourist visa for usa cost

Remote workers with dreams of working from the rolling hills of Tuscany or the cliffs of Positano are now one step closer to making that reality. Italy launched a new digital nomad visa.

Two years after its announcement, the highly anticipated digital nomad visa officially became available for those eligible on April 4.  

“Italian-style, everything happens slowly,” said Nick Metta, a lawyer for the law firm Studio Legale Metta , which has helped Americans relocate to Italy for decades. “Now there is a pipeline of people waiting just to file the application. It's been a long-awaited visa.” 

Most of Metta’s clients would previously apply for a student visa, which allowed them to work part time in Italy. 

Under the new visa, people will be able to work from Italy for one year, with the option to renew once their visa is due for expiration. Without a visa, U.S. travelers could only stay in Italy for up to 90 days without the ability to work.

Learn more: Best travel insurance

The launch makes Italy the latest European country to offer a digital nomad visa , which has already been available in Greece and Hungary. 

Here’s everything we know about the digital nomad visa for Italy:

Destinations behind a paywall? What to know about the increasing tourist fees worldwide.

Who can apply for a digital nomad visa in Italy?

According to the official decree , the visa is meant for those who “carry out a highly qualified work activity through the use of technological tools that allow you to work remotely.” 

The regulations define eligible applicants as “digital nomads,” self-employed freelancers, “remote workers,” or those employed by a company outside of Italy and can work from anywhere, according to Studio Legale Metta.

To qualify for the visa, the applicant has to meet certain requirements:

◾ A university or college degree or an accredited professional license.

◾ Six months of work experience in the industry, or five years for applicants without a university degree.

◾ An existing employment contract.

◾ A criminal record check.

◾ Proof of an annual income of 28,000 euros (about $29,880.06).

◾ Evidence of housing in Italy.

◾ Evidence of health insurance coverage.

Applicants can also apply to have family members join them on their Italian move, but the government has to give the final approval. 

How do I apply for the digital nomad visa in Italy?

Thankfully, Metta said the paperwork for the digital nomad visa isn’t “too complicated.” 

The first stop for interested applicants will be the Italian Consulate for their area. “Consulates are basically the front of the government to receive the applications,” Metta said. Interested applicants can book an appointment with the consulate and start gathering their necessary documents. People can also apply by mailing in their application. (However, Metta did mention consulate websites are often confusing and outdated, so working with a relocation service can make things easier.)

To apply, applicants will also need a passport with an expiration date at least three months after the end of the visa period and two passport-sized photos.

Relocation services can also help people navigate the sometimes complicated process of applying for a visa, such as negotiating early termination penalties with landlords in Italy. 

These services also help people with state and tax planning, especially if people own assets in the U.S., like a house. Once in Italy, people need to register their residency with the town hall, which will determine what sort of taxes they’ll pay. People can speak to an international tax specialist to figure out their future taxes as well. 

How much will the visa cost?

According to Studio Legale Metta, the application fee is 116 euros (about $123.78) per person.

How long will the application process take?

Not too long, actually. Metta estimates the process could take just three weeks if applicants are “well-organized and have all your tax documents filed.”

Kathleen Wong is a travel reporter for USA TODAY based in Hawaii. You can reach her at [email protected] .

Money: '£2,000 landed in my account' - The people who say they're manifesting riches

We delve into the world of manifestation - but will a one-day course help our reporter land some extra cash and an engagement ring? Enjoy our weekend reads, and leave a comment, below, and we'll be back with all the latest personal finance and consumer news on Monday.

Saturday 27 April 2024 08:58, UK

Weekend Money

  • '£2,000 landed in my account' - The people who say they're manifesting riches
  • Iceland's new slogan and cash for grades: What our readers said this week
  • Calculate how much your take-home pay will change this month with national insurance reduction
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Ask a question or make a comment

By Jess Sharp , Money team

My journey into the world of manifestation (the belief that you can attract success in your life through positive affirmations and visualisation) has taken me places I never thought I'd go.

Like a woods in Edenbridge, where I stood meditating under a tree in the pouring rain. I don't yet know where my journey will end (I've been hoping for an engagement ring but my boyfriend hasn't yet seen my visualisations), but it started with a conversation with Jamie Greenlaw-Meek, one of millions and millions of people who say manifestation has transformed their lives.

"About a year ago, there was something happening and I thought we just need two grand to cover the expense," Jamie, a former dancer from London, told me. "The following day £2,000 landed in my account."

It sounded like a coincidence to me, too.

But Jamie was adamant. His husband calls him "the master manifester" because of his "ability to bring in money".

"It's happened on so many occasions, like four, five times," he said. "I've become very clear on what I want and the amount of money I need and literally it can be within 24 hours that I get a phone call for a job and it's almost identical to what I asked for money-wise."

When I asked the now-psychic where the £2,000 actually came from, he said it was payment for a modelling job he had been offered.

"With manifesting you don't get caught up in the how, and often it comes in ways that you don't expect," he added, explaining it could come as the result of a claim after being in a car crash.

"It's not always coming in the way that you think but money is out there for us to take in the world. It's just having the confidence to receive it and we are worthy of it."

"Even if it is a placebo effect, does it matter?" he said.

The 43-year-old also believes he manifested his husband Fiongal after being diagnosed with cancer. While going through treatment and dating "a lot" of people, he decided to take matters into his own hands, or rather his own head, and started visualising his perfect partner.

"I decided to spend a good couple of weeks getting really, really, super clear in my mind what this person looked like. Then I started creating lists asking about personality traits, and all the things that I wanted that person to be," the former dancer said.

"The day I got the all clear from cancer I randomly met my husband and when I look at the list of the things I asked for, he pretty much ticks every single box. I really, really believe that is because I got super clear on what I wanted and I put that out to the universe to bring to me."

Jim Carrey and manifestation

If you think this is a new practice, it isn't. Jim Carrey was doing it back in the 90s. He famously wrote himself a $10m cheque for "acting services rendered" and dated it years in advance. Then in 1995, he was told he was going to make the exact amount for filming Dumb and Dumber.

The idea shot up in popularity again in 2006 after Rhonda Byrne published her self-help book The Secret.

Since then, it has hit every inch of the internet and has resurfaced on TikTok with videos posted under #manifesting accumulating a huge 13 billion views.

I tried to learn manifesting - I felt like an idiot

After hearing Jamie's story and seeing the idea was popular with so many people, I thought it best to try to learn manifestation myself. I mean, who wouldn't want money landing in their account and a work promotion from the universe?

As I stood in the woods, in the pouring rain, being told to imagine roots growing from the soles of my feet, I felt like an idiot.

I was soaking wet (of course I had forgotten a coat with a hood) and while my mind kept wandering through thoughts about being cold, if I'd hit traffic on the way home and how dirty my white trainers were getting, a gentle, soothing voice kept bringing me back to what I was supposed to be thinking about.

"How we are all connected, how the trees and plants produce oxygen that we breathe, and we breathe out carbon dioxide which they need to survive"

While some people focus their manifestation practices on being grateful to the universe, Tansy Jane Dowman believes we need to get "out of our heads, into our bodies", connect with nature and find our true selves before we can practice it successfully.

My meditation in the woods was just one part of a six-hour workshop run by Tansy, which aimed to send me off with a clearer vision of what I truly desired.

Tansy charges anywhere from £25 to £580 for her courses, which range from one-on-one sessions and an online six-week programme, to forest bathing workshops and weekend-long nature retreats.

But some courses have popped up online which cost more than £1,000.

Tansy started practising manifestation in 2018 after going through a difficult period in her life. She eventually quit her job in events management and started teaching others how to do it successfully.

"The way I manifest is not to focus on material wealth or gain. I would ask my clients what an abundant life means to them in terms of feelings, experiences, connections, people and places," she explained.

"The more authentic you are, the more of a beacon you become for those things to find you."

After spending time walking in the rain and meditating under a tree, Tansy and I sat in her dining room and explored some of the happiest moments in my life and the feelings I experienced. It became clear I like feeling accomplished, needed and excited.

We also spoke about challenging times, but the conversation focused on the positives, like how I had overcome them and what I had learned.

"It's so important to bring in your values with manifestation because sometimes we can get really confused with what we want, with social media especially," she told me.

Throughout her house, Tansy has a number of "abundance boards" proudly on display - some she has made with her children, others are from her annual January tradition of setting out her desires for the year.

"I've had some really wonderful goosebump things happen to me. I did a board at the beginning of 2020... I put a picture of a microphone on it. I just thought I really like that image and I didn't immediately place any meaning onto it," she said.

"Then as the world was shutting down for lockdown, I did a press event and I met a lady who worked for Wellbeing Radio and she wondered if I would be interested in trying out as a presenter."

She explained that some people will be very specific with their desires, like selecting a photo of the exact car they want, or the perfect house, but that isn't how manifestation works. There needs to be an element of trust in the universe giving them what they attract.

As we created my abundance board, which Tansy describes as being like a "personal algorithm", she told me to select images and words from heaps of magazines that called to me intuitively.

As you can see from the picture below, mine calls for being "financially fabulous", travelling, getting engaged (coughs loudly in earshot of boyfriend) and living stress-free.

And while I'd love a big cash injection, Tansy explained to me that money is "only a stepping stone to a feeling" and, ultimately, I'm aiming to create an emotion with it.

Manifesters more likely to go bankrupt

While all the manifestation believers I spoke to said there was no downside to the practice, a researcher has been looking into whether it really does pay off.

Based in Australia, Dr Lucas Dixon (who specialises in consumer psychology) created a scale from one to seven to rank a person's strength of belief and found those who practice it are more likely to have been victims of fraud and declared bankruptcy.

He said there was a "danger" that manifesting could become harmful if taken to an extreme level.

He found those who believe in manifesting tend to think more positively and have a confident attitude when it comes to success, and while that can be helpful in business, it can also cause them to take unnecessary risks.

"They weren't more objectively successful in terms of having higher income or higher education attainment," he said.

"We also found that they are more likely to believe in get-rich-quick schemes, more likely to take higher risks... to have risky financial investments and more likely to have investments in cryptocurrency rather than traditional stock."

Using the scale he created, Dr Dixon found those who have "very strong beliefs", ranking at a seven, were 40% more likely to have gone bankrupt.

"The danger comes in a couple of different forms," he said, explaining that a "worst case scenario" could see people getting into financial difficulty by being encouraged to "just look at the positives".

"Someone might say it's not harmful because it is really just thinking positively but I think even that can be harmful because of what you might call an opportunity cost," he said.

"You're spending time, energy and money doing something that doesn't have a lot of evidence behind it. We found it does make you feel good but you don't need to pay thousands to do it."

Okay, so back to me...

I did my manifestation course about a month ago, and I have done as I was instructed - my abundance board is up in sight inside the flat, and I often have a cup of coffee in front of it.

But, so far I'm still using a credit card, the most travelling I've done has been to work and back and there is still no rock on my finger. I have been given an annual pay rise, though, and would say I am less stressed.

Perhaps believing that I'm just doing my best and there's a chance that I'll be rewarded for that one day, eventually, in the future, maybe, is making me feel better... who knows?

Each week, Money blog readers share their thoughts on the subjects we've been covering, and over the last seven days your correspondence has been dominated by these topics...

  • Iceland's new slogan
  • Rising mortgage rates
  • Giving kids cash for grades

Iceland's new catchphrase

We learnt on Monday that Iceland had dropped its tagline "That's why mums go to Iceland", replacing it with "That's why we go to Iceland".

The move was made to reflect the store is for everybody, said brand ambassador Josie Gibson. Readers were split - with some feeling so strongly that they're prepared, they suggest, to sacrifice those frozen Greggs steak bakes forever...

I previously contacted Iceland about their slogan because I didn't think it did single dads justice, as dads can go to Iceland too. Their response was that people understood that it's not just mums that go to Iceland. It's about time they changed the message. Dave T  
Neither I, my wife or my children will shop in Iceland again due to this stupidness and woke attitude. To hell with you [Iceland boss] Richard Walker. John  

Banks hike mortgage rates

This week we reported that high street lenders such as Halifax, TSB, NatWest, Barclays, Leeds Building Society, HSBC and Coventry had all hiked mortgage rates (see 7.33 post for details). 

You said...

With house prices at already extortionate levels, now mortgage rates rising again, is there any hope for first-time buyers? Honestly, the situation is so bleak, people may need to consider other countries. GenZ 
Why would this happen? So many young couples struggling to get on the property ladder. I live in Dorset - a one-bedroom flat costs from £230,000. In Scotland, one can get a beautiful two-bed house for that price. Feel sorry for all couples living down in the South. Need huge deposits. Barbs
Why are they called high-street banks? Most banks in my town have closed. Martin J

Parents offering cash for good grades

A lot of views came in after our feature exploring the positives and negatives of parents incentivising good school grades with cash...

We had scores of comments on this - with a fairly even split...

We did it for our son at GCSE time. We think it made a difference of about a grade on most subjects. Got a two-grade lift on maths. Cost us £350. Thought it was good value as it has taught him how things work in the world. Andy
The whole world is built on a reward system which symbolises access to money commensurate with effort and excellence. The Nobel prize goes with a cash reward! Tom Deggs
Employees are offered incentives for achieving targets, so why not offer kids incentives for better grades? Claire228 

But others had concerns...

I think it puts too much pressure on kids who are under enough pressure at exam time. Parents should encourage their kids to do the best they can, not add to their stress levels. Emma
Children should value their education without it being monetised. My parents expected my brother and I to have the motivation, maturity and self-discipline to work hard for our GCSEs. We both achieved all As and A*s. Eliza 
When I was at school, from 1964-83, my parents never gave me money for good exam results, because "I should want to do well for myself". No matter what my grades were, they said that they would be proud of me if I had tried my best. Cash kills self-motivation. Nicola B 

National insurance was cut this month, for the second time this year, from 10% to 8% on employee earnings between £12,570 and £50,270.

The change, announced by the chancellor in his March budget, impacts around 27 million payroll employees across the UK - starting this pay day.

The cut is worth almost £250 to someone earning £25,000 a year and almost £750 for those earning £50,000

Use our tool below for a rough guide to what tax changes can be expected for most people, as there are other variables not included which might affect how much tax you pay including being in receipt of the blind person's allowance or the marriage allowance. It also assumes you are not self-employed and are under pension age...

There are also national insurance cuts for the self-employed. This includes the scrapping of Class 2 contributions, as well as a reduction of the rate of Class 4 contributions from 9% to 6% for the £12,570 to £50,270 earnings bracket.

These will impact nearly two million self-employed people, according to the Treasury.

While many campaigners welcomed the national insurance announcement last month, they pointed out that the tax burden remains at record high levels for Britons - thanks in part to the threshold at which people start paying income tax being frozen, rather than rising with inflation.

The money story of the week has been mortgage rates - with a host of major lenders announcing hikes amid fears the Bank of England may delay interest rate cuts.

Swap rates - which dictate how much it costs to lend money - have risen on the back of higher than expected US inflation data, and concerns this could delay interest rate cuts there. 

US trends often materialise elsewhere - though many economists are still expecting a base rate cut from 5.25% to 5% in the UK in June.

The reliable Bloomberg reported this week: "Still, while some economists have since scaled back their predictions for BOE cuts, most haven't changed expectations for a summer move.

"Analysts at Morgan Stanley, Goldman Sachs Group, Capital Economics and Bloomberg Economics are all among those still anticipating a shift toward easing in June."

The publication also quoted Sanjay Raja, chief UK economist at Deutsche Bank, as saying: "Markets have superimposed the US cycle on the UK, but the US and UK are on very different tracks.

"The UK is coming out of technical recession. Inflation is falling more convincingly. Pay settlements are following inflation expectations. And crucially, real policy rates in the UK will be higher than in the US."

None of this reassurance changes the fact that financial markets, which dictate swap rates, are pricing in delays.

This week's hikes came from Halifax, BM Solutions, TSB, NatWest, Virgin, Barclays, Accord, Leeds Building Society, HSBC and Coventry.

This is what average mortgage rates looked like as of Thursday...

The next Bank of England decision on rates comes on 9 May - and pretty much no one is expecting a cut from the 16-year high of 5.25% at that stage.

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The family home where Captain Sir Tom Moore walked 100 laps to raise nearly £40m for the NHS during the first COVID lockdown is up for sale for £2.25m.

The Grade II-listed Old Rectory is described as a "magnificent seven-bedroom property" by estate agents Fine & Country.

In a video tour of the house, a sculpture of Captain Tom with his walking frame can be seen in the hallway, while a photo of the fundraising hero being knighted by the Queen is on a wall in the separate coach house building.

Introducing the property, an estate agent says in the tour video: "I'm sure you'll recognise this iconic and very famous driveway behind me as it was home to the late Captain Sir Tom Moore who walked 100 laps of his garden, raising over £37m for NHS charities."

It comes less than three months after the demolition of an unauthorised spa pool block in the grounds of the property in Marston Moretaine, Bedfordshire.

Speaking at an appeal hearing over that spa, Scott Stemp, representing Captain Tom's daughter Hannah Ingram-Moore and her husband, said the foundation named after the fundraising hero "is to be closed down" following a Charity Commission probe launched amid concerns about its management.

For the full story, click here ...

"Status symbol" pets are being given up by owners who get scared as they grow up, an animal charity has said, with the cost of living possibly paying a part in a rise in separations.

The Exotic Pet Refuge, which homes parrots, monkeys, snakes and alligators among others, says it receives referrals across the country, including from zoos and the RSPCA.

"They're a status symbol. People will say, 'OK, I'll have an alligator or a 10ft boa constrictor'," co-owner Pam Mansfield told the BBC.

"But when the animal gets big, they will get too frightened to handle them, and then the pet has to go."

She added people who want to get rid of the pets sometimes call zoos for help, which then call on her charity.

In some cases, owners don't have licences to own dangerous animals, she says, blaming a "lack of understanding" for what she says is a rise in the number of exotic animals needing to be rehomed.

She says people "just don't have the space" for some snakes, for example, with some growing to as much as 12ft and needing their own room.

The cost of living crisis has also forced owners to give their pets away, she says.

Her charity has also been affected by those increased costs, with the electricity bill rising to £10,000 a month at their highest, to fund things like heated pools for alligators.

Private car parks are accused of "confusing drivers" after introducing a new code of conduct - despite "doing all they can" to prevent an official government version.

The code of practice launched by two industry bodies - British Parking Association and the International Parking Community - includes a ten-minute grace period for motorists to leave a car park after the parking period they paid for ends.

It also features requirements for consistent signage, a single set of rules for operators on private land and an "appeals charter".

Private parking businesses have been accused of using misleading and confusing signs, aggressive debt collection and unreasonable fees.

That comes after a government-backed code of conduct was withdrawn in June 2022, after a legal challenges by parking companies.

RAC head of policy Simon Williams said: "We're flabbergasted that the BPA and the IPC have suddenly announced plans to introduce their own private parking code after doing all they can over the last five years to prevent the official government code created by an act of Parliament coming into force.

"While there are clearly some positive elements to what the private parking industry is proposing, it conveniently avoids some of the biggest issues around caps on penalty charges and debt recovery fees which badly need to be addressed to prevent drivers being taken advantage of."

BPA chief executive Andrew Pester said: "This is a crucial milestone as we work closely with government, consumer bodies and others to deliver fairer and more consistent parking standards for motorists."

IPC chief executive Will Hurley said: "The single code will benefit all compliant motorists and will present clear consequences for those who decide to break the rules."

Sky News has learnt the owner of Superdry's flagship store is weighing up a legal challenge to a rescue plan launched by the struggling fashion retailer.

M&G, the London-listed asset manager, has engaged lawyers from Hogan Lovells to scrutinise the restructuring plan.

The move by M&G, which owns the fashion retailer's 32,000 square foot Oxford Street store, will not necessarily result in a formal legal challenge - but sources say it's possible.

Read City editor Mark Kleinman 's story here...

NatWest says its mortgage lending nearly halved at the start of the year as it retreated from parts of the market when competition among lenders stepped up.

New mortgage lending totalled £5.2bn in the first three months of 2024, the banking group has revealed, down from £9.9bn the previous year.

The group, which includes Royal Bank of Scotland and Coutts, also reported an operating pre-tax profit of £1.3bn for the first quarter, down 27% from £1.8bn the previous year.

An unexplained flow of British luxury cars into states neighbouring Russia continued into February, new data shows.

About £26m worth of British cars were exported to Azerbaijan, making the former Soviet country the 17th biggest destination for UK cars - bigger than long-established export markets such as Ireland, Portugal and Qatar.

Azerbaijan's ascent has coincided almost to the month with the imposition of sanctions on the export of cars to Russia.

Read the rest of economics and data editor Ed Conway 's analysis here...

Rishi Sunak has hailed the arrival of pay day with a reminder his government's additional National Insurance tax cut kicks in this month for the first time.

At last month's budget, the chancellor announced NI will be cut by a further 2p - so some workers will pay 8% of their earnings instead of the 12% if was before autumn.

The prime minister has repeated his claim this will be worth £900 for someone on the average UK salary.

While this additional cut - on top of the previous 2p cut in January - does equate to £900 for those on average full-time earnings of £35,000, there are two key issues with Mr Sunak's claim:

  • Once the effect of all income tax changes since 2021 are taken into account, the Institute for Fiscal Studies reports an average earner will benefit from a tax cut of £340 - far less than £900;
  • Moreover, anyone earning less than £26,000 or between £55,000-£131,000 will ultimately be worse off.

In short, this is because NI cuts are more than offset by other tax rises.

We explain below how this is the case...

Tax thresholds

This is partly down to tax thresholds - the amount you are allowed to earn before you start paying tax (and national insurance) and before you start paying the higher rate of tax - will remain frozen. 

This means people end up paying more tax than they otherwise would, when their pay rises with inflation but the thresholds don't keep up. 

This phenomenon is known as "fiscal drag" and it's often called a stealth tax because it's not as noticeable immediately in your pay packet.

That low threshold of £12,570 has been in place since April 2021. 

The Office for Budget Responsibility says if it had increased with inflation it would be set at £15,220 for 2024/25.

If that were the case, workers could earn an extra £2,650 tax-free each year.

Less give, more take

Sky News analysis shows someone on £16,000 a year will pay £607 more in total - equivalent to more than three months of average household spending on food. 

Their income level means national insurance savings are limited but they are paying 20% in income tax on an additional £2,650 of earnings.

In its analysis , the IFS states: "In aggregate the NICs cuts just serve to give back a portion of the money that is being taken away through other income tax and NICs changes - in particular, multi-year freezes to tax thresholds at a time of high inflation."

Overall, according to the institute, for every £1 given back to workers by the National Insurance cuts, £1.30 will have been taken away due to threshold changes between 2021 and 2024.

This rises to £1.90 in 2027.

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COMMENTS

  1. Visitor Visa

    Generally, a citizen of a foreign country who wishes to enter the United States must first obtain a visa, either a nonimmigrant visa for a temporary stay, or an immigrant visa for permanent residence. Visitor visas are nonimmigrant visas for persons who want to enter the United States temporarily for business (visa category B-1), for tourism (visa category B-2), or for a combination of both ...

  2. Fees for Visa Services

    Description of Service and Fee Amount (All fees = $ in US currency) Filing an Immigrant Visa Petition (When collected by U.S. Embassies and Consulates for USCIS. Fees subject to change.) Immigrant petition for relative (I-130) $675.00. Orphan (intercountry adoption) immediate relative petition (I-600, I-800) $775.00.

  3. US Visa Application Fees

    Employment-Based Immigration Applications cost 345.00 USD in addition to the petition. Other immigration applications (such as self-petitioning) cost 205.00 USD. K visa for a fiancé or spouse of a US citizen costs 265.00 USD. Certain Afghan or Iraqi special immigrant applications have no fee.

  4. How to apply for or renew a U.S. tourist visa

    The process to renew a visitor visa is the same as getting one for the first time. Follow the process to apply for a visitor visa from the Department of State. Find the contact information for your nearest U.S. embassy or consulate and contact them for visa renewal information. LAST UPDATED: December 6, 2023.

  5. Visa Fees

    Additional Fees for Visa Applicants. Additional fees beyond the visa application (MRV) fee may be required in order to obtain a nonimmigrant visa. Types of additional fees that may apply to your visa application are: SEVIS Fee. Student (F, or M) and Exchange Visitor (J) visa applicants are required to pay a separate SEVIS (Student and Exchange ...

  6. U.S. Visas

    A citizen of a foreign country who seeks to enter the United States generally must first obtain a U.S. visa, which is placed in the traveler's passport, a travel document issued by the traveler's country of citizenship. Certain international travelers may be eligible to travel to the United States without a visa if they meet the ...

  7. Visit the U.S. as a tourist

    The Visa Waiver Program allows citizens of participating countries to travel to the U.S. for tourism or business for up to 90 days without a visa. How to apply for or renew a U.S. tourist visa If you visit the U.S. for tourism or business, you may need a visitor visa, also known as a tourist visa.

  8. B2 Visa Requirements

    Form DS-160 confirmation page and code. Receipt of paid visa fees. Interview confirmation page. A letter which describes the purpose of your trip. Proof of financial means. Financial or bank statements to prove you have the finances to stay in the US of at least $266 for each day of your planned stay.

  9. Visa Waiver Program and ESTA application

    You must have an electronic passport or "e-Passport" to participate in the VWP. This type of passport includes a chip. Complete the ESTA application online. Pay the fees: The total cost is $21. When you apply, you will pay a $4 processing fee. If you are approved to travel to the U.S., you must pay an additional $17 authorization fee.

  10. Applying for a US tourist visa is expensive, 'discouraging visitors'

    What does a tourist visa cost to visit the US? According to the State Department, it costs $160 per person to apply for a tourist visa. They can be valid for up to 10 years, depending on the ...

  11. USTravelDocs

    Apply for a U.S. Visa. At this website, you can learn about obtaining a visa, as well as applying for your visa. How to apply for your nonimmigrant visa for travel to the United States. What documents, photos and information you need to apply for your visa. How to access visa application forms and instructions.

  12. Visas

    Nonimmigrant visas allow people to visit the United States for short periods and for specific purposes. If you want to move here permanently, please see the information below on immigrant visas. A foreign national traveling to the United States for tourism needs a visitor visa (B-2) unless qualifying for entry under the Visa Waiver Program.

  13. Nonimmigrant Visa

    The first step in applying for a U.S. nonimmigrant visa is to complete your application. It takes approximately 90 minutes to do this. After you submit your application, you can move on to the next steps such as scheduling your interview. Types of Visas.

  14. Schedule of U.S Visa (MRV) Fees

    General Fee Information. All visa applicants, including children, are required to pay a non-refundable and non-transferable nonimmigrant visa (MRV) application fee. Please view the options and instructions below. Payment of the visa application fee is required whether or not an application results in the issuance of a U.S. visa.

  15. Official ESTA Application Website, U.S. Customs and Border Protection

    You are a citizen or eligible national of a Visa Waiver Program country. You are currently not in possession of a visitor's visa. Your travel is for 90 days or less. You plan to travel to the United States for business or pleasure. You want to apply for a new authorization for one person or a group of applications for two or more persons.

  16. Nonimmigrant and tourist visas

    How to apply for or renew a U.S. tourist visa. If you visit the U.S. for tourism or business, you may need a visitor visa, also known as a tourist visa. Learn how to get and renew this type of nonimmigrant visa.

  17. DS-160: Online Nonimmigrant Visa Application

    The DS-160, Online Nonimmigrant Visa Application form, is for temporary travel to the United States, and for K (fiancé (e)) visas. Form DS-160 is submitted electronically to the Department of State website via the Internet. Consular Officers use the information entered on the DS-160 to process the visa application and, combined with a personal ...

  18. Visas

    Certain international travelers may be eligible to travel to the United States without a visa if they meet the requirements for visa-free travel. The Visa section of this website is all about U.S. visas for foreign citizens to travel to the United States. (Note: U.S. citizens don't need a U.S. visa for travel, but when planning travel abroad ...

  19. New Visas Fees 2023

    The fee for visitor visas for business or tourism (B1/B2s and BCCs), and other non-petition based NIVs such as student and exchange visitor visas, will increase from $160 to $185. The fee for certain petition-based NIVs for temporary workers (H, L, O, P, Q, and R categories) will increase from $190 to $205. The fee for a treaty trader, treaty ...

  20. U.S. Visa Services

    For nonimmigrant visas, you can go directly to the online application for the DS-160 ; or for immigrant visas, directly to the USCIS site for the relevant forms. If you are unsure, please use the Visa Wizard below to help you determine your visa type.

  21. Sri Lanka eVisa: Application Process, Eligibility, and Fees

    Sri Lanka launched an e-visa system, streamlining the visa application process for travellers. The initiative offers updated requirements, fees, and validity periods, enhancing efficiency and convenience for various nationalities visiting for tourism, business, or transit. Making it much easier to ...

  22. Travel Insurance For Vietnam Explained

    United States. United Kingdom. Germany. India. Canada. Australia. ... A tourist visa costs under $100 AUD; however the exact price depends on your length of stay. ... The cost of your travel ...

  23. Nonimmigrant Visa Fee Increases to Take Effect June 17, 2023

    On June 17, 2023, the nonimmigrant visa (NIV) application processing fee for visitor visas for business or tourism (B1/B2s and BCCs), and other non-petition based NIVs such as student and exchange visitor visas (F, M, and J visas), will increase from $160 to $185. The fee for certain petition-based NIVs for temporary workers (H, L, O, P, Q, and ...

  24. New Schengen Visa Rules for Indian Visitors: Key Questions Answered

    During the validity period of these visas, holders can enjoy travel rights equivalent to visa-free nationals within the Schengen area, allowing for short stays of up to 90 days within a 180-day ...

  25. Schedule of U.S Visa (MRV) Fees

    Additional Fees for Visa Applicants. Additional fees beyond the visa application (MRV) fee may be required in order to obtain a nonimmigrant visa. Types of additional fees that may apply to your visa application are: SEVIS Fee. Student (F, or M) and Exchange Visitor (J) visa applicants are required to pay a separate SEVIS (Student and Exchange ...

  26. Italy's new digital nomad visa is here: What you should know

    How much will the visa cost? According to Studio Legale Metta, the application fee is 116 euros (about $123.78) per person. ... Kathleen Wong is a travel reporter for USA TODAY based in Hawaii.

  27. Money latest: Cost of raising child to age 18 revealed in new research

    On the currency markets, £1 buys $1.25 US or €1.16, almost on a par with yesterday. Meanwhile, the price of a barrel of Brent crude oil has crept up slightly to $89 (£71). 08:36:09

  28. Passport Fees

    Go to our Passport Agency and Center page for steps on how to apply at one of our 26 locations across the country.. We accept: Credit cards: Visa, Mastercard, American Express, and Discover; Debit cards (or prepaid cards that are not linked to a line of credit or bank account): Visa or Mastercard; Digital wallet payments such as Apple, Google, or Samsung Pay