Editorial Be aware: We earn a commission from companion back links on Forbes Advisor. Commissions don't have an impact on our editors' viewpoints or evaluations. Life can be packed with unpleasant surprises, Which’s true no matter if you’re in the back garden or on Yet another continent. (See website https://www.evernote.com/shard/s669/sh/2f621c5d-b8d4-a591-38a8-7e22616afb82/lTLJ26H4ldEkyrDl8vY5-iCphAD1PnLfs6GP0qrrUUIdFPNYixjGxrNPCQ