@BitBy-Cris You can definitely skip insuring the flights if they’re refundable and just cover the hotels and tours to save on the premium. However, keep in mind that "full" travel insurance usually helps with issues like delays or lost bags as well. If the extra cost isn’t too high, it might be worth it so you don’t have to stress about the logistics if the airline drops the ball.

Investing totally in altcoins is kind of risky. Yeah, it gives you good returns, but they also carry significant risk. So, to get the good returns, diversify your investment approach.

Do some investment in cryptocurrencies (Bitcoin, Ethereum, and altcoins) and also in mutual funds, bonds, stocks, etc. Before investing, always keep in mind your risk tolerance capacity.