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                 VACATION TIPS


Do you have some vacation time coming up? If you make a trip you will need to make some plans such as flight arrangements or hotel reservations. Whether you are going to visit family or you plan to take your family to a ski vacation or travel abroad.

No matter what you choose to do you can find great deals on your trip. You can shop around for the best airline deals or even hotel deals which can save you hundreds on your trip.

One way to limit the expense that all of this creates, is to book an all inclusive vacation. While this will not alleviate all of the things an individual has to think about, it will help to reduce the amount of planning that is needed.

All inclusive vacations usually include accommodations, meals, tips, and taxes are included in the package. Sometimes, they can also include attractions, airfare, and transportation as well. To find an all inclusive vacation that fits the needs of an individual, several things should be taken into consideration.

All inclusive vacations wrap the cost of all these expenses into one. That is not to say that an individual can not find great deals on these items individually. But, often an all inclusive vacation includes all of this at a discounted rate.

If considering an all inclusive vacation, one should check out the deals that are available. Individuals who are really looking for the best deal should take the time to find out if all inclusive vacations they have found are a better deal. But, in the end, they can find all this information and do so from their home.

The Internet is a great tool in planning a vacation, including an all inclusive vacation. Most big attractions have all inclusive vacations planned for them. To find the options available to anyone, it is as simple as finding the right Internet sites.

An all inclusive vacation may be just the thing to help make planning a vacation less of a struggle and more of an enjoyment. And, it may just save some money!

Often times we want to take our children to see the things we saw when we were younger. It would be nice to see some new destinations as well. Either way, we want to do a lot but don't always have the funds. So, we are always in search for a deal. There are many out there to be had. Here are some quick ideas.

Saving on airfare is all about shopping around. Compare the different offers each company has. Can you fly in mid week and avoid weekend charges and busy times? Flying at night or at odd times can also increase your changes of getting a deal.

Once you get to your destination, you'll need a place to stay and a car to drive. The best way to get deals on these is to plan ahead. Making reservations ahead of time can be the best way to lower your cost. Cutting out extra charges on things you don't need, or won't use, also helps. No need for that car to come with a DVD player if you only plan to drive short distances. Along the same lines, you probably won't have time to watch all those movies on cable either. Eliminating these extras can lead to extra cash in your pocket.

Saving money on travel doesn't need to stop there. You can save money on travel in just about every aspect by planning and research. Take the time to compare different companies, then choose the best option for you. Also, take a box of cereal and pick up a gallon of milk instead of spending a ton on breakfast.

Grab a local newspaper to see if there are deals in there for area restaurants. The local family diner may have some great food at reasonable prices but is overlooked because of all those glaring signs in tourist's face.

Being able to find a deal on travel is a great advantage. Saving some extra cash can truly make your vacation more worthwhile. Since so many people just don't get enough vacation time, getting the most out of what they do get is key. So, take some time and find the best travel deals out there for yourself. There are so many different ways you can find great deals but online appears to be the best way. Just do a quick search and you will find what you are looking for which will save you money!

          HOW TO MAKE
    HOTEL RESERVATIONS



When traveling for business or fun, there’s nothing worse than thinking you have a reservation and learning your hotel reservations been lost, your room has one bed and not two bedrooms, or you thought your check-in time was noon, only to find out it is really 3:00pm. To help avoid these things from happening, there are a few helpful hotel reservation tips seasoned travelers recommend:

Always use a credit card when making a hotel reservation. Using a credit card offers the guest some level of protection should the hotel stay go awry. Any disputes a guest may have with the hotel, or with the billing can more easily be rectified through the credit card company. The card company will act as a mediator once their client can show effort to resolve the dispute. Additionally, if a dispute cannot be resolved, the credit card company has the authority to remove the charge from a client’s bill. If cash were paid, a hotel guest would have no recourse.

Note: If you don’t use your own credit card to secure a reservation, be aware that the person whose name is on the card will be responsible for showing the card and signing at check in. If the card does not belong to the person staying at the hotel, notify the desk before leaving home (prior to arrival) and ask what their identification procedure is. They may accept a letter from the credit card holder authorizing use, and a copy of both the front and back of the card.

Ask for deals/discounts at each hotel. Many hotels offer corporate, AAA, senior, or even mid-week/off-season discounts. If one is not offered - ask about them. Many hotels now offer ‘rewards’ programs and some hotels reduce rates by $50 or more, for simply signing up for their program. If making reservations online, look for internet-only rates and shop various websites to find the best deals. Travel agents can often secure unadvertised specials or late check-in opportunities which can translate into huge savings.

When making reservations speak clearly and repeat spelling of all names. There have been many reservations lost because of inaccurate spelling and guests have been told they did not have rooms when a hotel or an entire city was booked to capacity. If any special requests are made, verify them and if possible get them in writing. Also make sure to get the name of the employee. Verify everything spell names and verify information/requests etc. Double check reservations prior to leaving for hotel and make sure names of all hotel employees you’ve spoken to are taken.

When reservations are made, changed and cancelled-confirmation numbers are given. Make sure all numbers are kept in a safe place until credit cards are billed and all charges are verified. Cancellation and confirmation numbers are often the difference between being charged for a hotel reservation that was cancelled, the possibility of a free upgrade when the hotel overbooks and you can prove when your reservation was made, and being stranded away from home without a room for the night.
Discuss hotel policies prior to making reservations, and verify them at check-in. Some hotels require credit cards at check in for any hotel charges, such as telephone usage, room service, meals in the hotel, or even take -out arranged through the hotel with area restaurants, etc. If a credit card is not available, a cash/check deposit maybe required for any services/fees that may accrue during the hotel stay. Determine when check-in/check-out times are, when cancellation policies go into affect and verify occupancy limits if staying in a room with multiple occupants.

Remember these hotel reservation tips when scheduling your travel plans. Whether by internet, through a travel agent, or by telephone, it pays to research the hotel and be meticulous when making arrangements. A little pre-planning when making reservations can save major headaches when traveling away from home.



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WAYS YOU CAN LOWER YOUR CAR INSURANCE PREMIUMS

Many people buy the cheapest car insurance policy without taking into account the reality of what they need. Because of soaring car insurance prices some people just want to be able to drive and can afford only so much insurance, so they settle for the cheapest priced insurance. If you have a business or property or any other assets, they may be in jeopardy if your insurance does not cover the damages you are liable for. So choosing the right amount of auto insurance coverage is crucial to your financial well being.

The best car insurance for you isn't necessarily the cheapest but one that reaches a balance between your coverage needs and budget. But, if you have many assets you should get enough liability coverage to protect them. For example: you have $50,000 of bodily injury liability coverage and $100,000 in personal assets. If you're at fault in an accident, attorneys for the other party can go after you for the $50,000 in medical bills that aren't covered by your policy.

General recommendations for liability limits are $50,000 bodily injury liability for one person injured in an accident, $100,000 for all people injured in an accident and $25,000 property damage liability. So If you have no assets that an attorney can seek, don't buy coverage unnecessarily.

Your driving habits can also be a consideration in determining the coverage you need. If your past is filled with crumpled fenders, or if you have had speeding tickets, or if you make a long commute on a hazardous road every day, then you need to get more complete coverage. Collision coverage pays for damage that your car experiences in an accident or damage from hitting an inanimate object (a tree, light post or fence, for example). Comprehensive coverage addresses damage that didn't occur in a collision - such as from fire, theft or flood. It also covers damaged windshields.

A comprehensive insurance policy is the most common type that covers your car and the damage caused to other property. Cheaper third-party property damage is suited for cars typically worth less than about $5000, which covers the damage you cause to others but not your own car.

Ways to reduce your Auto Insurance Premium
-Shop around for insurers and cars if you are undecided. Get quotes on different cars, as premiums differ.

-Buy an affordable, mainstream car. The dearer and faster the car, the more expensive it is to insure.

-Get quotes online and finalise over the phone, if necessary. Most insurers offer a discounted online price and an over-the-phone price.

-Opt to pay your premium in an annual lump sum rather than in instalments that may attract a higher rate.

-For couples, ask if you can base the policy on the female/wife with male/husband listed as a nominated driver. Male drivers statistically are a higher risk.

-Consider increasing the excess to an amount with which you are comfortable and check whether this significantly reduces your premium.

-Multi-policy discounts may be available when a car or house and contents insurance is bundled.

-Disclose where your car is kept overnight (such as a locked garage, carport, secure car park) as this is a large risk factor for theft, consequently affecting your premium.

-Avoid finance, if possible, or inquire which options can affect your premium.

-Combine policies with one carrier. You may save money if you insure all your vehicles, including trailers and recreational vehicles, on a single policy. Your car premium also may go down if you buy homeowners’ or life insurance from the same company.

-Avoid vehicle modifications. This affects the performance and handling characteristics of a car and may also increase its appeal to thieves.

-Request a discount at renewal time. It is a competitive market and insurers want to retain customers.

-List nominated drivers on your policy and/or exclude younger drivers. Statistically, young male drivers are the highest risk and the premium increases accordingly.

-Encourage young drivers to build their own insurance rating by taking out a policy in their own name instead of being a listed driver on their parents' policy. Most insurers don't recognise the latter as insurance history and assume you have never had insurance and charge accordingly. However, many will acknowledge a claim-free history of third-party property cover and honour a rating/no-claim bonus as though you've always had comprehensive cover.

-Request higher deductibles. The deductible is the amount of money you have to fork over before your insurance policy comes to the rescue. By bumping your deductible up from $200 to $500, you could lower the cost of your collision and comprehensive coverage by 15 percent to 30 percent. By increasing it to $1,000, you could decrease that cost by at least 40 percent.

-Forgo coverage you don’t need. Think about dropping collision and/or comprehensive coverage on older cars with a low market value. Such coverage often is not worth it because any claim you make probably won’t exceed the cost of the insurance and the deductible amount.

-Avoid duplicating medical coverage. If you already have good health, life and disability insurance, buy only the minimum personal injury protection required by the state where you live.

-Opt for safety gear. You can qualify for a discount on many policies if you have air bags, automatic seat belts, anti-lock brakes and daytime running lights. An approved alarm system or other anti-theft device can give you additional savings.

-Ask about other discounts. You also might be able to pay less if you’re older than 50 or 55 and/or retired; if you’ve had no accidents or moving violations in three years; or if you’re a longtime customer. more on premiums



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