Life Insurance, Auto Insurance, and More in Alaska

I have divided this article into four different sections, each detailing its heading. I hope this makes it easier for you to get the information you require.

Auto Insurance in Alaska

The state of Alaska requires that every single motor vehicle registered there needs to have at least liability auto insurance. Under this State law; all owners of motor vehicles and/or drivers of the same must have the minimum amounts of liability auto insurance, which are:

– $50,000 for death or injury to any one person per accident

– $100,000 for death per accident or total injuries

– $25,000 for property damage per accident

In the event of an auto accident that resulted in property damage, personal injury or death amounting to more than $500; all drivers involved in the accident must show their auto insurance proof. Aside from auto accidents with damage greater than $500, the driver must also present proof of auto insurance any time they are requested to do so by an officer of the law and when comes the time to renew registration. If the driver fails to show proof of auto insurance for accidents with $500 dollars or more worth of damage, the drivers license will automatically be suspended for a period of 90 days to one year. The length of the suspension depends on the drivers driving record. Also, in case of an auto accident here, the guilty drivers auto insurance shall cover the expenses that were caused because of the accident.

Home Insurance in Alaska

You probably would not know this, but compared with to other states, Alaska pays more for home insurance. The reason for this is that they are always at a risk of floods and sub-zero temperatures. Though they have experienced a high increase in home insurance coverage in the past year, there are several ways to save on home insurance. The first is to compare the different insurance companies and see what each of them have to offer. This will enable you to get the right insurance at the price that fits your budget. Second is asking around about the different types discounts. You can ask your insurance company for the discounts you qualify for. And last is that increasing the deductible can save you a decent sum of money. By increasing the deductible, you are basically telling your Alaska Home Owners Insurance Agent that you are going to do everything you can to avoid any claims.

The most common home owners insurance coverages are:

HO-1 – This is for lighting, fire, vandalism, theft and smoke.

HO-2 – This is the same as the HO-1 only with additional perils, such as building collapse, water damage and falling objects.

HO-3 – This is “all perils”. Depending on your budget, you can choose between basic and all perils. But what is ultimately important is that you have home insurance which will protect you in case of disaster.

Health Insurance in Alaska

Alaska health insurance enables most residents to be able to afford the increasing cost of health care. Those who have health care are able to escape medical debt, which occurs in two out of five locals. Considering the statistics, it is important, and certainly more cost effective, to have health insurance. Although health insurance varies; most policies pay for hospitalization, surgery, medical tests, pediatric care, doctor visits, and maternity care. Generally the exceptions are cosmetic surgery, hearing aids, dental care, eyeglasses, preventive care and experimental treatments.

Those who are denied by private insurance companies because of medical conditions, the Alaska Comprehensive Health Insurance Association will offer them health insurance. Under the program of the association, those with medical conditions can get insurance on different terms.

Life Insurance in Alaska

When it comes to life insurance, the two most common life insurances in the State of Alaska are term and permanent life insurance.

Term life insurance protects the holder for short periods of time. This is usually over a period of one to several years. This means that the insurance pays only if the person dies during the covered period. Also, since the period covered is only of short duration, the premium is significantly cheaper than permanent life insurance.

Permanent life insurance protects the holder for the rest of their life by a guaranteed death benefit. This means that the coverage is for the entire life of the person. The premium for this type of insurance is of course higher than term life insurance.

In the unstable economy today, it is important to have life insurance for the family. This will enable those who are left behind to get on with their lives without financial difficulties. You might want to consider getting life insurance especially if your family depends on your financial contribution. Compare life insurance now and you might be surprised at how affordable it is and how easily you can squeeze it in to your monthly budget.

Anchorage Alaska Home Insurance – Things That Will Help You Get Lower Rates

1. If you’ve renovated your home recently, you should get discounts. This is because many things in the house should then be in excellent shape. The more the extent of the renovation, the higher the markdown you should be given. If you plan to get discounts for renovating your house, you’d have find to out from an agent what you’ll get for what.

2. Increase your deductible and you’ll get more affordable Anchorage Alaska home insurance rate quotes.

A deductible is the amount a policyholder is expected to pay before his/her insurance company becomes bound by law to pay as indicated in the terms of their policy. For homeowners insurance policies, your deductibles will normally begin at $250.

You could easily get a discount of about twelve percent on your rates if you raise your deductible from this minimum amount ($250) to $500. Increasing it to $1000 might result in 24 percent cut in rates. Talk with your agent to know how much discounts to expect as there is no fixed discount rate for all insurance companies.

3. You’ll get lower home insurance rates if you maintain your home regularly. Are there dead branches on trees in your compound? What would happen if any of them falls off at the wrong moment?

Do your best to quickly take care of anything that could cause injury to someone on your property. You’ll be saving yourself a lot on home insurance over time by doing this.

4. You can lower your home insurance costs by getting and comparing quotes from at least three reputable insurance quotes sites.

Here are my favorite pages for home insurance quotes…

InsureMe Home Insurance Quotes [http://quality-insurance-4-less.com/Colorado-home-owner-insurance.html#InsureMe]

Hometown Home Insurance Quotes [http://quality-insurance-4-less.com/Colorado-homeowners-insurance.html#Hometownquotes]

Publishers can get unique versions of my articles by following any of the links above. Click on “To Use My Articles” when you get to my site.

Tips For Staying Healthy With Diabetes

Living with diabetes can be difficult at times, but with advances in medical technology, those with this all-too-prevalent disease can easily cope with it. However, keeping your blood glucose levels under control is at once more difficult and easier these days. With sugar found in more foods and beverages than ever before, watching what is consumed and how often has never been more important. At the same time, home healthcare supplies like blood sugar monitoring kits, and those for administering insulin are widely available on the market for reasonably cheap.

Types

There are two types of people living with diabetes–those with Type I, who were born not being able to produce insulin, and those with Type II, or adult diabetes. Those with Type II developed the disease later on in life, their bodies not being able to produce enough insulin to control their blood glucose levels. It has risen to epidemic proportions in the U.S. More than 24 million Americans currently suffer from this disease, and rely upon homecare medical supplies to keep their blood glucose at safe levels. Pregnant women living with the affliction have to worry about passing it on, in the form of gestational diabetes.

Staying Healthy

In addition to using home healthcare supplies such as blood glucose monitors, sufferers can also do a number of things to keep themselves healthy. Most of those living with the Type II form of the disease have bad diet and exercise habits, so staying in shape helps. Eating right, and taking vitamins and other supplements, especially B-complex, helps keep blood sugar levels lower. Keeping away from sugary foods, and eating raw foods is a major way to keep diabetes at bay. Diets that include plenty of fiber, antioxidants, Omega-3 fatty acids, and such lesser-known dietary supplements such as pine bark extract, canola protein, cocoa flavanols and curcumin are also highly recommended.

Statistics

Diabetes tends to affect older folks and minorities most. According to the CDC, 25% of those over 60 had the disease, as of 2007. Native Americans, Alaska natives, and African-Americans have the highest rates, followed by Hispanics and Asian-Americans. Caucasians come in last, at 6.6%. Those living in the Southeast United States or Appalachia are also in a high-risk zone. Wherever you live and whatever ethnic group you’re in, all of us can benefit from better diet and exercise. Sufferers from diabetes who rely on homecare medical supplies like blood glucose test kits and insulin injections can find plenty of affordable options, covered by most insurance plans. Count on making a living with diabetes like living with asthma or chronic headaches, something that can be curtailed, not life-controlling.

5 Ways to Travel Solo Without Going It Alone

Solo travel has become a hot topic. Unlike “single(s)” travel, it is a broader group. It can include those who are single, married or have a partner/significant other. It may be a business person looking to add a leisure weekend or extension to a trip for work. Two stumbling blocks to solo travel can be: I. whether it is lonely to vacation as a “party of one” and ii.whether eating alone, especially dinner, is really uncomfortable.

Now having visited 68 countries and all 50 states, I have found 5 good ways to go alone without feeling you are “going it alone”.

1. River Cruise and Small Ship Cruises

I highly recommend river cruises and small ships. They are especially a good fit for a first time solo traveler. However, they are also great for well-traveled solos in two cases. That is where destinations like Cambodian boat villages are not otherwise easy to reach. Secondly, they work well in places where security is an issue.

Here are the key advantages of such river and small ships for solo travelers, they:

  • Give you time alone but a group for tours and meals
  • Can be competitively priced when compared to a piecemeal approach
  • Make unpacking a one-time chore
  • Work well with land packages
  • Often have discounted package pricing including flights

2. Select your own lodging, and take day trips.

Here are the key advantages of this independent approach:

  • Affords you the opportunity to select your own interests and travel style.
  • Provides more opportunity to interact with local residents.
  • Gives you a “day-off” when you need it.
  • Works with a range of budgets.

3. Combine both of the above approaches.

I really favor this approach when I travel. On solo travel for 17 days at New Year’s, I toured Southeast Asia. I started with a private taxi tour in Siem Reap, Cambodia. I then joined a top Mekong River Cruise on to Vietnam. On the last leg, I had five days in a 5-star hotel in Bangkok. In my last stop, I tried all 3 ways of sightseeing: 1. A large bus tour 2. A private guide and 3. Self-directed subway tour.

This blended approach puts you in the driver’s seat and:

  • Will let you set your own course while being free to pick and choose
  • Gives you a part-time group of travel mates but also time alone
  • Makes it possible to follow a budget (or splurges) tailored to what works for you

4. Sign up ahead for a class abroad.

This has become very popular now for cooking classes in France and Italy. However, for decades, language classes abroad have lured students for short-term or full summer programs. Add to that options for photography classes, skiing and scuba diving.

Here are the key benefits to this approach:

  • Provides you with a ready-made group
  • Gives you a local contact to hear what not to miss off the tourist path
  • Make it possible to connect with classmates for meals or sightseeing
  • Results in providing local contacts in an emergency

5. Join a volunteer group or exchange program.

I have done this twice. My first trip out of the US was at 18 joining 5 other girls on a summer YMCA project in Trinidad and Tobago. It was the best way to learn about day-to-day life in another country and participate in community activities.

The benefits were endless. They included:

  • Meeting local residents outside of the typical tourist path
  • Seeing distant and often more unusual destinations
  • Providing volunteer efforts to communities than may have experienced natural disasters or other hardships.

If you are new to solo travel, take a look at each of these options. You will be surprised how fast solo travel gives you the chance to make new life-long friends from around the world so that you feel you are solo to more.

What Every Traveler Should Know About Making Hotel Reservations

There was a time when making hotel reservations was as simple as picking up the telephone & booking a room for a specific period of time. Depending on how your travels worked out, you would sometimes have the misfortune of having to book the same day & were hoping for the best, but all in all, booking a hotel room was not a big deal.

Boy, things have certainly changed! When the occasional hotel room “Booker” decides it’s time to make a reservation, the nervous perspiration starts. Palms get clammy, internal temperature starts to rise, and voices start cracking. The issue at hand is that we’re constantly bombarded by commercials on our airwaves telling us that we can find better deals by using technology. Online booking, booking apps, and email & text message alerts for price drops are now the way to book a hotel room not necessarily the right way but the smart way. Of course, no one wants to seem foolish, right?

To begin, let’s keep it simple. First of all, you always want to be sure you have the dates correct for your prospective reservation at the correct hotel. In other words, have the basic information spelled out correctly before you even start. It seems like common sense, but you’d be surprised how often people will try booking a hotel room with faulty information.

You also want to be sure to try & book early. Even though this may not always be possible, it does help get things off your mind faster than waiting until the last-minute before booking. You also avoid issues of not having a room to reserve because of something on the calendar that is bringing people into town. An example would be trying to book a hotel near the beach during Spring Break season.

It pays to think about how you book so that you can avoid having to contend with overbooking, time crunches, and heavy travel windows. For example, if you are traveling on the weekend, try to book a room at a hotel that tends to have a leaning toward business bookings. In the same vein, if you’re traveling during the week, like to stay in a hotel that has more of a ‘resort’ feel to it. This way, you’re always trying to travel opposite of the general travel traffic.

Finally, here is some input regarding the online & discount booking apps & websites – it can go either way. You can actually save some serious money booking online in some way, but you may open yourself to being booked at a mystery hotel whose identity isn’t known until after the reservation is made. In some cases, you also have to act quickly to take advantage of hotel reservation deals in order to get the pricing, which you may not be in a position to do right away. It’s also important to know about being “walked” by a hotel. Getting “walked” means that if a hotel can’t fill your reservation, it will pay for a night elsewhere. Hotels overbook assuming that there will be “no shows”. Depending on how & when you book, your indirect/third-party booking leaves you as a low priority, and if you’re unlucky enough to have booked at a hotel where everyone showed up, you will be “walked”.

Surprisingly enough, booking hotel reservations directly with a hotel over the phone or through their own website is the best way to book in many cases & provides the most perks. Whether through loyalty programs, flexibility in price negotiation, or being a frequent guest, connecting the old-fashioned way seems to be the best bet for handling your travel lodging.

Effective Ways to Save Money on Hotel Booking

In today’s era when everything has become globally expanded and worldwide organizations are running an extra mile to serve communities across the earth, traveling have become more important than ever. Hence, people have started to consider voyaging as a daily part of life to either solve the business purposes or to have a break from all the stress. In both cases, finding an accommodation that can suit your requirements, budget and timing has become a major crisis and you all must be wondering on how to save those extra bucks on accommodation while traveling to an unknown place. To answer that question, this article has come up with the most amazing ideas after consulting the expert travelers and researching through the market to give you a final conclusion of effective ways to save money while booking a hotel. So, check out the list below and make your escapes much more affordable and enjoyable at the same time:

1. Timing is the Key

No matter what you do, the perfect timing covers the half way towards your success and when you are planning a vacation, it is really important as you might get caught-up in either hefty demand or a time when everything is closed. It is always important to keep on looking for the deals months before to ensure you get the perfect prices as per your season or take the chance for making a last minute search to get the cancelled rooms at an affordable price. Also, by perfect timing, we mean to plan your vacation in the season that is neither on the peak, nor on the off when we speak of tourism and ensure you get it all with perfect weather conditions, less demand and more fun.

2. Comparing for Best Deals

Most of the people these days go for the giant agencies or the trusted agents to get their bookings done and mostly end-up paying more for putting their trust in wrong hands. It is often advised by the expert travelers to always compare the prices between travel agencies and hotel groups to find the best quote and get the bookings done after finding what is best suitable for your trip. There are an abundant number of reputed as well as start-up travel agencies that allow you to book your hotel accommodation on seasonal sale, special discount and other offers exclusively available in the market to outshine others and give you a dream getaway you always wanted.

3. Looking for Less Prominent Locations

Hotel accommodations located near the prominent sites and attractions are costlier than the hotels and resorts located in other parts of the city. Whereas the prominent locality may give you the edge of exploring the attractions with a few blocks of walking, the hotels located farther are willing to offer you more at lower prices to get your attention as well as to give you the finest quality of stays. Hotels near the biggest landmarks and prime localities are often found packed throughout the seasons and require advance booking procedure which also pays a big contribution in higher prices. If you book your hotel room in places that are a little away from these major sites and are located at less prominent places, you will surely find some quality accommodation at lower plans.

4. Use of Memberships

While paying or at the time of booking, we often forget to take other sources into account which can be more beneficial for us and often miss the opportunity to save a little extra while booking a hotel stay. These days, when organization is racing to get your attention and business from you, they also give you some privilege of getting cash-backs, discounts and other perks and leverages while using their special and exclusive membership options. Many banks and card companies these days give some special offers while collaborating with the travel agencies and give some cash-back as well as discounts on transaction of a certain minimum amount. Usage of these offers can also give you some extra benefits to ensure some more savings on the hotel booking.

5. Find what you Actually Require

In the hunger of finding the best accommodation option, we often lean towards finding hotel deals that provide it all and often pay more for services and amenities that we don’t really required. Before making your hotel booking with B&B, All Inclusive and half-board options, always sort your requirements and think accordingly whether you will be needing those services or not. It is quite obvious that the more services you add on your hotel room, the more you are going to pay. Hence, always book for the things you require and try to avoid those services that you might use and can get them if required as an add-on.

Whenever you plan a holiday for yourself or with friends, you can come up with many more options such as finding hostels, couch surfing (not for every destination), finding a person you know and more, yet these concepts are not worthy when you are either on an executive trip or on a holiday with your family or loved ones. So, if you have been thinking for going on your next vacation and taking a step back on your decision after watching hefty hotel prices, then all you need now is to effectively go through these points and consider them all before making your hotel booking to save a good fortune. However, if you have been thinking to save a little extra, you can always search for some seasonal offers on flights as well.

What Facilities and Services to Look for When Booking a Hotel

When it comes to booking a hotel room whether for one night or a few nights, you may want to ensure that they have certain facilities and services that will make your stay more comfortable and enjoyable. Not all hotels offer the same facilities and services and they don’t always offer the same level of service, so you will want to take a close look to ensure that you are going to get what you expect to make your stay enjoyable and memorable.

One of the many things that some people want to find when staying at a hotel is an on-site wellness centre. Somewhere where they can be pampered, a place where they can enjoy a host of quality treatments by top therapists to make their stay that bit more special. Whether it’s a soothing facial or a relaxing massage, having a wellness centre on-site can provide guests with a chance to indulge and relax, to feel rejuvenated after their stay.

Another thing that many people look for when booking a hotel for a night or two is a gym. While on vacation or traveling for business, many people still enjoy their daily workout and having access to a gym where you can get your half and hour or hour of exercise may be important to you. Look at the hotel and the services they provide, identify if they can provide you with either an on-site gym or free access to a nearby gym, so that you can enjoy the benefits the gym provides while away from home.

Next ensure that they have an on-site restaurant. While being away from home is a time to try new places, sometimes having a meal in the restaurant at the hotel is more convenient, especially after a long day of meetings or sightseeing. If you are meeting friends, see if they have a lounge bar as well, somewhere where you can have breakfast, lunch and an evening meal, maybe with some well-deserved after dinner cocktails as an added benefit.

Does the hotel provide you with free Wi-Fi access during your stay. Most hotels these days will give you access to the internet. This just enables you to complete any work you need to do or to stay in contact with family and friends, updating your Facebook page so friends can see where you are and what you are up to. Having internet at your fingertips ensures that you have a technological time and that you enjoy the modern conveniences that you have at home.

Make sure the hotel you choose offers a concierge service. A concierge service can be a great benefit when away from home. This service is run by an experienced team with extensive area knowledge. They can assist you with just about anything from arranging a car hire to finding a good local restaurant to theater bookings and tour bookings. They can make recommendations on what to see and do during your stay to ensure you get the most of your experience.

The final things to look for, especially when traveling on business is whether they offer any function facilities and if so, what do they provide. If you are in town on business and you intend having a number of meetings, then you may want to take a closer look at the meeting room facilities in the hotel. Can they accommodate you to hold meetings at the hotel, maybe along with breakfast or tea and coffee, so that you can have your meetings with ease and without interruption.

Top Reasons Why You Should Travel To Iceland With Kids

In the world of travel destinations, Iceland occupies a unique position. It has a landscape like no other with a delightful mix of active volcanoes, erupting geysers, hot geothermal springs, some wonderful beaches and also caves.

It is also the land of fairies, dwarfs and elves. Iceland fires up the imagination and makes it the perfect place for a vacation with kids in summer.

Why Iceland and Kids? The answers are not hard to find.

• When one plans to visit with kids it is best to join one of the family tours in Iceland where the tour operator offers a private 4×4 vehicle with large wheels and spacious interiors. One can undertake the golden circle trip in comfort and if the kids feel like falling asleep, there is ample space.

• However, it is the attractions of Iceland that will keep kids wide awake. One such is the presence of geysers across the country. The Strokkur geyser erupts with clockwork regularity and for kids, this is a novel sight. It is safe to get close to the geyser and kids love it.

• Watching a geyser is one thing but luxuriating in the warm waters of geothermal springs is another. The Blue Lagoon near Reykjavik is like a hot tub bath and kids will love cavorting in the waters, exploring the waterfalls and caves.

• Talking of caves and grottoes, Iceland has them in plenty and one will come across such ice caves and lava tubes while on the Golden Circle tour. Exploring caves and grottoes is perfect for kids who always have fantastic imaginations.

• Then, for a bit of fun, kids can go snowmobiling on the Langjokull glacier. The Gullfoss Falls present another experience and kids simply love to be under and behind a waterfall and romp about as they are exposed to water sprays.

• Iceland can be a voyage of discovery. It is the land of volcanic rocks, ice caves and the place where two continents meet under the sea. Along with fun kids learn geography in a hands-on way.

• Kids are safe. You can sit back and have a drink and your kids may wonder about but there is no need to worry. Crime is low and people around are always helpful and watchful over kids. Even restaurants go out of their way to have “kid-friendly” menus.

• Invariably the talk will get around to fairies, dwarfs and elves. People here believe in them and some might even tell your kids interesting tales about local elves or dwarfs. For kids,this is an added element of mystery and excitement. Who knows? They may come across one.

• Then there is the grand spectacle in the sky: the Northern Lights. Plan the trip outside Reykjavik or farther North just right with the help of local tour operator and one can get to view this stupendous sight. It will certainly result in dropped jaws and eyes popping. One may find it difficult to tear the kid away from the spot.

• Kids and food go together. There is the standard fare by way of burgers and sandwiches but there is also a chance to sample Iceland’s unique cuisines, some of them simply lip-smacking enough for kids to want to gorge on them.

The days are long in summer and it may be difficult to get the kid to go to sleep. Iceland is a lure hard to resist and just right for a family vacation with kids.

Traveling Is A Way Of Attaining Peace FOR The Soul

Travelling is a thrilling experience for a lot of people. It gives them the adrenaline rush they are looking for and makes them exhilarated about all that is related to travelling. The travelling lust is quite hard to resist and there are people who cross all limits of fulfilling all the wishes and desires that they hold for travelling in their hearts.

It can turn out to be an amazing experience only if one plans it perfectly and takes care of all the little to do things that should be taken care of while travelling. It is a joyous ride and it can turn out to be really amazing.

Let us have a look at some of the tips you need to know for travelling:

• MAKE A PROPER LIST

Always have a list of everything that you would be needing and pack accordingly. A list will help you remember everything that needs to be packed and you will not forget anything in the last moment. So keep everything in your mind so that everything is kept in your mind and you know exactly what all you will need while you are on the road.

• LEARN THE COMMON TONGUE OF THE PLACE

This always helps no matter where you are travelling to. If you know few of the common phrases of that place in their mother tongue it always makes it much easier to travel and makes it much more convenient as well. Therefore try to take out some time and learn just few of the common phrases that people mostly use their so the conversing gets easier.

• DON’T FORGET THE EXTRA CAMERA BATTERY

Camera is one of the most important things to carry when you are travelling. You would obviously want to take a lot of snaps of every place you visit and capture all your memories in those photographs, therefore do not forget to carry that extra camera battery just in case of an emergency. You never know when your camera might run out of its battery due to constant usage; therefore it is always safe to carry an extra pack.

• KEEP YOUR ROOM NUMBER AND HOTEL ADDRESS NEAR TO YOU

This is just in case you have to refer to it suddenly or you get stranded and you need to ask for directions. Keep these two pieces of information handy so that you can use it whenever necessary. It is for your own good and safety, therefore just be alert while you are travelling and keep the important tips on mind. This is absolutely necessary to make your trip a successful one.

Solo Travel – 10 Ways to Save on Single Supplements

In your school days, you may have found, as I did, that economics really is the “dismal science”. However, I did learn one key fact. Supply and demand drive prices. For solo travel, the surcharge or “single supplement” does vary partly in keeping with this tried and true rule. The good news? If you prowl through the Internet, you can find ways to save on solo travel when demand is down. The bad news? Reduced or no single supplement offerings are limited in number and go fast.

Here are 10 ways to save.

1. Don’t ask for one room. Ask for a “room for one’. In Europe, lodging is often sold with solo pricing. Be sure to see if it is a solo price for a standard room or a small single room. Look at the size offered for single occupants. Then consider the amount of time you will spend in your room. I often take 10-12 hour day trips abroad with almost no time spent in my hotel room except to catch some sleep before heading out again.

2. Get there first. Book even one year ahead since few slots are reduced for solos. This is really important if you go in-season. Holiday resorts and hot spots in summer may have return visitors book the next year when they check out.

3. Head to the airport when everyone else is heading home. Off-season travel is the best way to get immediate 50% off reductions. In the south of France, rates go down as fast as Sept 9. Ski resorts, like the fabled Sun Valley Lodge, have specials just before Christmas. In winter and spring, European discounts can be half-price as well.

4. Get excited about rainy weather or extreme heat and cold. You will have to think how far you want to take this. I had a thrilling short term work trip one Jan. in Siberia. I also went on tour in India during the monsoons. In some cases, the negative pronouncements may not impact your trip. A good example? The risk of hurricanes each fall is less likely to touch the ABC islands (Aruba, Bonaire and Curacao) making for better pricing. In Africa, for example, safari rates are lower during the rainy or “green” season if you can get away, and don’t mind the possibility of short, heavy rains.

5. Look for new travel providers. Hotels that are just opening or reopening after renovations have specials to gain or regain market share. The Hotel Castille in Paris, for example, had short-term deep discounts when it reopened just steps from fashionable boutiques. Thereafter, the rates increased in keeping with other high-end small hotels

6. Be a contrarian. Don’t pay a premium for what’s currently trending. Prowl the Internet for undervalued regions. If it is all the rage, prices will soar. In the 1980’s, I somehow found a Montenegro resort right off the Albanian border. Since then, Sveti Stefan, where I stayed, has been updated as reflected in its 5 star pricing. The moral of the story is get there before the crowds discover a destination.

7. If you can’t pronounce it or spell it, you’ll love the prices! Substitute the road less traveled. If you have a dream to see the Parthenon you must go to Greece. (That is unless you live in North America and would like to see a perfect replica in Nashville, Tenn.!) Regional air carriers are a good way to find out great largely undiscovered places at low prices. One example: I dreamed of Tahiti in my early post-graduate days. When rates were high there, Air New Zealand suggested alternatives: Rarotonga and Aitutaki. I took them up on it and had the trip of a life time dining out on the stories for years.

8. Scour the Internet for national and regional programs offered by tourist boards. Check ahead as they may only be available abroad. One of the best deals I found in the 1990’s was with then “Lan Chile”. From the US, I purchased three stand-by tickets for a total of $200 to go anywhere in the country. At that price, I made my way to Antarctica Chile, at the end of the world!

9. Use flexible dates to grab week-day deals. Hotels and airline rates often go up and down together. Why is that? That takes us back to supply and demand. When planes and hotels have low load factors, prices are softer.

10. Share to save. Look for tours that have no single supplements by agreeing to share. The benefit to this approach? It is a way to save if your travel dates are not flexible, and no to low single supplement deals are not available.

In any case, before you give up on fitting solo travel into your budget, look at these options.