Research the high street travel shops and those on-line for both last minute deals and early booking special offers. Both can be good value for money.

A last minute deal may need you to be flexible regarding the exact destination, accommodation and time. You may have to be able to travel at quite short notice.

On the other hand booking a vacation early, perhaps for the next year, can also be good value. Early booking deals often give two weeks for the price of one or other incentives. Knowing that you have a vacation booked for as much as 12 months in advance will give you time to save enough money also.

Alternatively look at budget priced vacations such as staying in a caravan, on a campsite, or travelling by public transport. Now that you have an idea of the possible total cost of your vacation, start to work out a budget.

There are many ways to save such as:-

Look for part-time work on-line such as completing surveys or writing product reviews. Such activities can increase the amount of money that you have to play around with.

Economise on energy bills around the home. This will help the environment as well as saving you money. Make sure that thermostats are turned down a notch, you only use the economical cycles on dishwashers and washing machine, you avoid using the tumble drier at all costs, you wash the dishes by hand a few times a week instead of using the dishwasher, you only use such washing machines when you have a full load, lights are turned off in unoccupied rooms, you switch to energy saving light bulbs and no appliances are ever left in stand by mode. This list is not exhaustive and needs tailoring to fit your household. Make sure that all the household members are on board and you should save a heap of cash.

Cut back on treats such as take-aways, fast food, candy and dining out. We all want to be trim and in shape on our vacations and this may help.

Minimise the use of your vehicle or vehicles from home. Perhaps you could car share with a colleague or a family member. Walk occasionally rather than using the car and take public transport when you can.

Utilise money saving coupons, many of which can be found on-line. Remember though that, if you would not have bought the item normally, it may not really be a bargain.

Bulk buy items such as breakfast cereal, washing powder, toilet rolls, dog food, cleaning agents and the like. Make sure there are no expiry dates, which are near. If the goods are out of date before you can use them, they will be a waste of money.

Take packed lunches to work or make for the children to take to school.

Quit smoking. This will save you a huge amount of money and be good for your health.

Work out weekly meal plans in order to shop wisely and cheaply. Never compromise on healthy eating but make sensible choices.

Opt for store brand goods instead of more expensive named brands. Often these are all very much the same in reality, except store brands are cheaper.

Start a loose change jar at home and encourage the whole family to add to this jar.

If you are travelling abroad, buy some of the local currency throughout the year, as and when the exchange rates are good.

Avoid the Sales unless you need something. Sales encourage unnecessary spending.

If you need, or want, to buy travel insurance, shop around for the best deal. Make sure that you have the cover you may need though.

Make sure that you pay any deposits and balances on your vacation on or before the date due, to make sure that you do not have to pay any penalties.

The above are just a few of the many ways that you can budget in order to save money for a vacation. Set regular dates to bank any money that you have saved. Aim to save this money in a high interest savings account that has unlimited access.

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A family booked a rental cottage last summer, arrived safely and just loved the cottage. However, on the second day of their two week stay, the mom got a call to say her father was seriously ill and not expected to live. The family packed up and returned home, and sadly, her dad died a few days later. After the funeral, the renter called the cottage owner and asked what sort of refund she could expect as they had only used 2 days of their 14 day booking. The owner refused to pay any refund with the explanation that she relied on the cottage rental income to pay the costs of her cottage and it was always fully booked through the season. She was not able to find a replacement rental party at the last minute and as the rental agreement stated; if that was the case no money would be returned. Of course the rental group did not have travel insurance, which would probably have covered trip curtailment due to the illness and/or death of a close relative. The rental cost the family over $4000 and they were not able to recover a penny of that money.

Many people believe that trip insurance is only necessary if there is a flight involved; where delay, lost baggage, and the risk of the airline going bust, is covered; and medical cover is required in a foreign country. It's not considered important, or not considered at all, to buy insurance to cover a trip taken by road to a self catering property in the same province or the same country.

Think again! Most cottage bookings are made several months in advance and many things could happen after you have booked to change your circumstances. Illnesses of any member of the traveling party, redundancy or a call to jury service are just a few of the situations that would be covered by a travel insurance policy. A few insurance companies also offer a 'change of mind' clause, allowing you to cancel for any reason after a booking has been made and paid in full. This normally pays out an amount sufficient to cover any cancellation fee the rental agency or owner may apply.

When you book your vacation rental property, check the property owners or agencies cancellation policies carefully. If it is not clear, ask the question. In general, most private owners and rental agencies will attempt to rebook a property if it is cancelled, and refund your money for the period they have rebooked, less a cancellation fee.

The premium paid for trip insurance becomes less significant, the more you are paying, however it is worthwhile at any price, for your peace of mind.

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Iowa has some beautiful places that are wonderful places. One of the places to see, to Crystal Lake Cave. There is an interesting story behind this site. Already in 1868, miners lead, after a vein and guide them drilled 40 meters into the ground. And even if they are not able to find the guide who had hoped for something else was still amazing. What I found was Crystal Lake Cave. Although the cave has been for many years, has not been discoveredopen
the public until 1932. Mark Bernard, one of the original miners, played a role in the cave still open to the public and it became so after his death.

While the miners were digging, they found a number of different types of gems and minerals, which are exposed in the souvenir shop. There is no other show cavern like Crystal Lake Cave is the longest and the cave was "alive" in Iowa. The cave is underground and is still one of the most strikingVisit to Iowa. The visit of the cave is about half an hour to 45 minutes and is an adventure like no other place you've ever been. A guide will lead you, so take advantage of the adventure. Note that is independent of temperature, which is pretty cool outside of Crystal Lake Cave and the temperature throughout the year is around 52 degrees Fahrenheit, as a rule.

The cave is from 9 am until 5 clock clock on weekends in May and one day in June, July and August from 9-6Clock. In September, the cave is 11 to 5 an hour on weekdays and from 9 to 5 clock during the weekend. The cave is open until mid October 11 to 5 an hour on weekdays and from 9 to 5 clock during the weekend. The rest of the cave is closed for the winter. Prices for adults are $ 10 and $ 5 for children aged four to 11 Children under four are free and Seniors get a discount of 10%. Group volumes is available. The cave is located three miles south of Dubuque, Iowa, and located 20 minutes from Galena,Illinois.

This is a site that contains information on summer holidays in the United States and unique travel spots Listed state by state and season, the site is called: seasonal vacation spots can, and can be found at:

http://www.seasonalvacationspots.com

Robert W. Benjamin

Copyright © 2007

You may publish this article in your ezine, newsletter or on your website until it was reprinted in its entirety and without modification except for formatting needs orGrammar corrections.

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Rebecca and Shanti were both honest, law-abiding citizens with law degrees from the University of Sussex, so that even a little 'surprise when she was recently arrested in Brazil for the holidays to commit insurance fraud. The two girls They told police said that thieves had stolen about £ 1,000 of their possessions, including a camera and a laptop. However, the officers were suspected his calm demeanor and the fact that they had in those days the girls on the reportAlleged offense.

The police then called in an apartment of girls, when you say, you see all the goods that claimed the girl had stolen en route to Iguassu Falls in Brazil have discovered. Rebecca and Shanti threatening to five years in prison if found guilty of committing insurance fraud holiday in Brazil, and those words are actually losing a lot when you consider some of the penalties they face when the crime was committed inanother country.

In England, the face up to 10 years in prison because of holiday tourists to fraudulent insurance claims. This sentence could also affect further sanctions, such as reimbursement of the sum you have requested and compensation for travel insurance. You would have thought that the prospect of a sentence of ten years, the majority of travel insurance fraud must be used dishonestly, but last year 4300Credits worth 5 million pounds were made by insurance holiday in the UK alone.

Police and insurance for travel abroad, have started to become increasingly vigilant holiday insurance scams, a policy which no doubt led to the arrest of Rebecca and Shanti. Learn about travel insurance claims fraud are now stored in a database in the industry that may be accessible by the Financial Services Authorityand insurance. This means that someone tries to leave and 'caught in insurance fraud are now automatically face higher insurance costs and difficulty in obtaining coverage than others, finish at home. At the trial, an insurance Travel can also commit fraud on the credit ratings that would make it more difficult to obtain, goods, or borrow money to interfere in the future.

It was reported that 75,000English have at some point in their life insurance fraud perpetrated by a false declaration holidays or exaggerate an existing one. Time course of travel insurance companies show that the British are losing more Louis Vuitton luggage abroad who never really sold in Britain.

Many fraudulent claims, however, could see the end of cheap travel insurance, holiday insurance, as before, will need to fix their prices untilfor losses that can be drawn.

Rebecca and Shanti Brazilian sentence may seem harsh, but if the girls had attempted to commit insurance fraud holidays in the United Kingdom, which would have risked a much harsher penalty.

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