Budget Travel Strategy: Smart Travel Uses For Your Tax Refund

If a tax refund is headed your way, common recommendations include paying off debt; making a major purchase and paying cash, rather than putting it on a credit card and other assorted common sense moves. Travelers can benefit too by using some of the same thinking about what we spend on airline tickets, cruise fare, gear and more.

“Set aside some money for vacation rather than using your credit card and paying interest long after you have returned,” financial experts suggest at Kiplinger in “Ten Smart Uses for Your Tax Refund.”

Looking beyond financial guru tips that can include beginning or adding to a retirement fund, throwing much of that refund into the never ending bog of student loans, maybe some immediate feel good uses would be appropriate also.

Load up travel cards and accounts
Going to be traveling sometime this year? Load up pre-paid travel cards, perhaps a gift card received as a gift that has a few dollars left but was handy to use at the time. Starbucks cards, gas cards or hotel cards some to mind.

MasterCard’s Travel Money Cards are handy. While you have the cash, avoid worrying about it down the road, in several ways with the MasterCard version or one of a number of other cards.

Registering your pre-paid card protects travel funds in case the card is lost or stolen, with no liability, just like a credit card. Starting with a nice chunk of cash from your tax refund, then add to it between now and travel is a good way to save too.

I do this with a dedicated card that is just for my travel fund and believe me, adding to and carrying my “travel card” is a whole lot more fun than a savings account up front. On the backside, eliminate post-travel blues of a new payment to make on a credit card too.

Known Expense Buys
Thinking ahead here is the key.

If, on your last trek through the mountains, one of the last thoughts was “I’m going to need to replace this old backpack before I go again,” but travel is not happening until the fall, get ahead of the game. Buy it now and buy it wisely. Shop and compare various sources with plenty of time, looking for a sale price on the perfect gear.

That works for just about anything and even small items like socks, shoes or more of the pre-paid cards noted above are fair game also. On cruise vacations some travelers choose to pre-pay shore exploration packages, gratuities or beverage packages that can add up quickly on a cruise ship.

Looking ahead to more efficient travel and making the buy you have been putting off is a good idea too. Time for a new digital camera? Buying before the peak travel months this summer can often find lower prices on models those going on vacation are apt to buy.

Buy Now, Travel Later
Cruise lines – between wave season (the busiest booking time of the year) and summer buying season (when many travelers finally get around to booking) – have some of the best deals around right now.

  • Carnival Cruise Lines Friends And Family event, just extended through the end of the month, offer the best rates we have seen so far this year with maximum upgrades and lower fares. Often, it’s one or the other.
  • Celebrity Cruises 123 Go offer new bookers a choice of a free beverage package, free prepaid gratuities or free onboard credit if booked before April 15.
  • Princess Cruises Spring Into Savings Sale has big savings on Europe cruises and Alaska cruises and up to $100 onboard spending money and up to $500 air savings per person. Seven-day Caribbean sailings and seven-day Alaska Inside Passage sailings are also on sale.

Not just the exclusive domain of cruise vacations, other travel options like hotel packages, resort stays and prepaid expenses at destinations around the world are possible too. In Rome, for example, a taxi ride from the air or cruise port can be arranged and paid for in advance. So can tour packages separate from cruise line offerings or hotel-suggested tours, both of which have some of the cost going right back to the source that suggested it.

Beware Of Bargains
Knowing that a great many Americans get a tax refund in the second quarter of the year, sellers of travel and travel-related services feature package deals with refund-laden travelers in mind.

Many are a great value, bundling airfare with car rental and hotel, cruise or resort packages. Some are scams that lie in wait for us to receive that chunk of cash, so check with your trusted travel source or Better Business Bureau before buying.

Bonus Tip: there really is no “Royal Cruise Line.” That’s an old scam by online thieves to get “just $99” to pay the tax on your otherwise-free ride.

Some taxpayers even make spending their refund on travel an annual event. This video shows a bunch of travelers on their third annual tax refund trip.




[Photo credit – Flickr user robotson]

Save Money And (Maybe) Time With The Right Luggage, Packed Efficiently

I am one of the lucky ones: a traveler who has never experienced the inconvenience of lost or damaged luggage. I like knowing that but have never dared talk about it out loud, for fear of jinxing the luck or angering the luggage gods. Instead, when others tell their tale of woe concerning luggage mishaps or go on about inadequate reimbursement from airlines, I politely nod in sympathy. Still, I know that luck does not hold out forever. Wanting to go out on top, combined with a need for speed and a love for saving money, I tried a different approach on a trip to Amsterdam recently; I checked nothing and carried on all of my luggage.

“Back in the day, checking your bag on a trip only cost you 20 minutes of your time after a flight. Now you’re lucky if it only costs you $20,” says Adam Dachis from Lifehacker, a website with tips, tricks and downloads for getting things done.

My thoughts exactly – but as more air travelers try to beat the system by carrying on more, less space is available, making packing efficiently a must. Picking the right bag, rolling clothes and taking only what we actually need make for a good start. But getting your head in the game can score some of the best results.”Problems occur when you start thinking of everything you pack as “single use” items,” says Dachis in “How to Fit Two Weeks Worth of Luggage Under the Airplane Seat in Front of You,” urging us to realize that most clothing can easily be worn more than once, some many times.

Dachis recommends a flexible duffel-style bag that gives up little space to padding, protection or aesthetics. Been there, done that, not for me. Spending a lot of time in airports I had seen businessmen with stackable luggage. A medium sized bag that fits overhead and a smaller one that fits under the seat. These were the road warriors I needed to pay attention to. Many had rollerboard-style luggage with four wheels too. I liked that idea as well. These were my personal luggage idols. They had crossed the finish line with a huge luggage win.

In my case, the search was long and tedious to find the right luggage. After years of searching, trying and eventually adding failed bags to a spare bedroom we call “the luggage room,” I may have found a good fit.

TravelPro’s 21-inch Spinner Suiter combined from their Crew collection can easily go in overhead storage and holds plenty of clothes for a week. What Travelpro calls a “business brief,” from the same collection, has extra room for more clothing too and fits easily under an airline seat. On my trip to Amsterdam, home for a day then off to Venice, I don’t want to unpack and pack again. This looks to be the right tool for the job – for me. Everyone has different needs.

“You can’t have a perfect packing system,” admits Dachis, placing his greatest emphasis on efficiency. “Good preparation makes for better travel.”

I couldn’t agree more. The down side? I still have to wait for those I travel with to collect their checked luggage. So much for saving time.

Looking for more reasons to change your thinking about the luggage game? Watch this video:


[Photo credit – Canadian Pacific]

Photo Gallery: La Paz’s Mercado De Hecheria

When I left my hotel yesterday morning to go investigate La Paz’s famous Mercado de Herchería (also know as the Mercado las Brujas, or Witch’s Market), I didn’t know what to expect. Would it be covered, dank and creepy, like the one in Quito? Would it sell freaky and endangered animal parts (please, god, no)? Would anyone kick my ass if I took stealth photos?

As it turns out, the Mercado de Herchería consists of a couple of gloriously decrepit cobblestone streets (Calle Linares and Jimenez). They’re lined with stalls selling folk remedies and objects designed to bring good luck; wealth; love; health; long life; or, in the case of one shop, a lasting erection. It’s fascinating, but not repellent. I’ve thoroughly enjoyed employing my crappy Spanish to ask shopkeepers what various objets are used for. I’m also fascinated by the cholitas (indigenous women from the highlands who live and work in the city); their elaborate costumes of tall bowler hats, voluminous skirts and alpaca shawls, embellished by waist-length twin braids, are stunning.

I’m also pleased to report that I saw no nearly extinct critters, just sea urchins and starfish in need of some reconstitution. I’ve also read that various creatures – probably very low on the evolutionary scale – are sometimes used in potions prescribed by the local yatiris, or witch doctors. The dried llama fetuses, however, are probably single-handedly responsible for putting the market on the map. As ghoulish as they appear to us, they’re used by the indigenous Aymara and other cultures as an offering to Pachamama (Mother Earth). You’re supposed to bury one beneath a cornerstone of a new house to ensure good fortune.

There’s nothing scary about the market, but it’s one of the most lively spots in the city, due to the number of hostels, budget hotels (mine, Hotel Fuentes, is adorable, cheap, and, it turns out, in the heart of the market), cafes, boutiques and souvenir shops. It’s a tourist spectacle, true, but tourism in Bolivia is of the most mellow kind. The mercado is also a true slice of daily life in La Paz. Who knows what you’ll end up lugging home?

Stay tuned for an account of my forthcoming visit to a local yatiri; I’ll be having my fortune told and my soul cleansed. I hope she has a sturdy scrub brush.

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[Photo Credits: Laurel Miller]

Kayak Data Analysis Brings Budget Travel Tips, Not God-Like Mantra

Kayak, the travel search giant, took a look at more than a billion search inquires throughout 2012. Crunching the numbers, they came up with some interesting information. Based on what those who visit the popular website were looking for, Kayak has some tips aimed to save on travel. Considered a snapshot of information, the study is relatively harmless and can be a generally helpful budgetary tool.

Look through a billion sets of data on any given topic and certain similarities are bound to rise to the top. It is often what we do with the data that counts. In the case of search data, if millions of people were looking for information on “cruise fire,” for example, it does not necessarily mean that cruise ships are inherently dangerous.

But if accepting some notions about those who use Kayak, like that everyone visiting the site is looking for the cheapest flights, the results can verify (or not) preconceived notions we have, booking strategies and more.

Let’s break that Kayak study down a bit and see if there is some useful information that may be of benefit to travelers – some guidelines rather than rules.When to buy-
Kayak found the least expensive airfares to be within 21 to 35 days of departure. That adds some validity to the buying strategy held by many travelers to hold out and wait for a last minute deal.

If that strategy makes you nervous, you’re not alone – and for good reason. Waiting until the last minute can also leave us with a limited seat, flight or airline selection. Those are important considerations when, say, travel includes a family with children who want to sit together, someone with specific flight time requirements or a traveler wanting a certain airline.

Going on a trip and don’t really care when you get there, what airline you use or traveling alone? Waiting until the last minute can be a good idea.

Still, the factors that fuel the Kayak data can change, making today’s strategy obsolete tomorrow. Hooking up with a free service like Airfarewatchdog can bring real-time confidence in the data we collect and base our buying strategy on.

When to fly-
It was no big surprise to see the Kayak data indicate that September was a choice month for low airfare, with average rates coming in at the year’s lowest. Pretty much any travel professional could have verified that though, as September is traditionally a low-travel month. That works for airfare, hotel stays and even cruise travel as does the first weeks of November and December, otherwise busy travel months at other times.

Kayak data also revealed the most searched destinations, least busy times to fly and more. A snapshot of such factors, based on 2012 data, can surely help guide buying decisions but needs to be looked at as just that, a “snapshot” of information, not the word of a travel god.

See Kayak’s full Where To Go and How to Save guide for more.

Much of what we get in the way of travel tips depends on the source too and advice changes over time. The video below, from three years ago, encourages an entirely different strategy on buying airfare.




[Photo credit – Flickr user dcaceresd]

One Day In Nicaragua: Self-Deportation, An Active Volcano, A Dead Boa, A Dip In A Lagoon And An Art Deal Gone Bad

Stepping over a dead boa constrictor with flies buzzing around it wasn’t what I had in mind when I hired a guy named Carlos to take us to see Volcán Masaya, a national park in Nicaragua where you can drive right up to the crater of an active volcano. But when we piled into his Toyota Corolla on a sizzling hot morning in late February, Carlos wanted us to see much more than just the smoldering volcano.

“I’m going to take you to a farm and then we’re going to visit a mask maker, before we hit the craft market, Laguna Apoyo and the volcano,” he said, before we’d even had a chance to test his air conditioning or fasten our seatbelts.

We wanted to see the craft market in Masaya, Laguna Apoyo and the volcano but I wasn’t sure about the rest of it. That uncertainty grew when we pulled up in front of what seemed to be a dilapidated farm as a host of mangy looking dogs serenaded us with howls and barks. A young man in a dirty, pale-blue T-shirt led us into some caged enclosures to look at iguanas and Carlos asked me if I’d ever eaten one. I have not.


“It takes like pork,” he said. “You put it in a tortilla and serve it with a little salt and lemon juice. You want to try it?”

I didn’t but I’d seen Andrew Zimmern feast on iguana, porcupine and other exotic delicacies while filming his Nicaragua episode back in 2009 and was curious where he went. Carlos said that there was only one restaurant that had retained a permit to cook iguanas and it was in Masaya, near where we were going.

Carlos and the farmhand showed us some turtles, lizards and bunnies before leading us into a caged enclosure to see some boa constrictors. I assumed they would be inside cages but as we stepped inside the enclosure, we nearly tripped over a dead boa, whose carcass was a target for swarms of dozens of hungry winged creatures.

“When did he die?” I asked Carlos.

“Hard to say,” he said as the farmhand began poking a stick under some empty shelving units behind us. “But there are four other boas in here, don’t worry.”

“Four other boas?” my wife said, grabbing our little boys, ages 3 and 5. “Where?”

“They could be anywhere in here,” Carlos said.

And with that, we were ready to exit, but the farmhand seized a massive boa by the neck and we couldn’t help but stop to stare at the darn thing. It was hissing and coiling itself around the guy’s arms, clearly pissed off. For all we knew, it probably killed the dead boa in the corner, so after a few minutes we beat a retreat back to the car.

The visit to the mask maker felt safer and, to me, more interesting. I’m usually leery of these types of stops on a tour because typically the point is to bring you to a place where you will hopefully buy something, securing a commission for your guide in the process. The whole spectacle makes me feel like a piece of meat on a hook in a slaughterhouse, but in this case, it was just an old man sitting in the courtyard of his home with no shirt on making colorful, painted masks with his own hands. He made no attempt to sell us anything and seemed please to have us wandering around his home, snapping photos and asking ignorant questions.

The craft market at Masaya, built in 1891 and refurbished in 1997, is the best place to buy handicrafts and souvenirs in Nicaragua. There are dozens of vendors and if you enjoy haggling, this is the place for you. I sparred with a 4-foot-tall woman who called me “my love” and “my dear” over a painting I wanted but ended up paying very close to her original asking price because she correctly sensed that I really wanted the thing and used that advantage to crush me like a bug.

After a delicious lunch and a dip in the Laguna de Apoyo, a terrific swimming hole near Masaya, Carlos told us about his U.S. immigration woes. When he was 12, his mother arranged to send him to the U.S. by purchasing fake identity documents to make it appear as though he was the child of a Nicaraguan woman who had a better chance of getting a U.S. tourist visa than she did. At 22, he paid an unscrupulous immigration attorney $10,000 to try to legalize his status but it didn’t work and he eventually returned to Nicaragua. Now, at 40, he felt like his chance to live in the States had come and gone.

The Masaya volcano has to be one of just a handful in the world where you can drive right up to its craters. The volcano has erupted 18 times since the early 16th Century with the last major eruption going down in 1772, but there was some volcanic activity in April of last year that forced the closure of the park for several weeks. Prior to 1529, locals threw virgins and children into the volcano as sacrifices, and during the Somoza dictatorship in the ’70s, dissidents were also supposedly tossed into the volcano.

We hiked around the Santiago crater and although I appreciated the view and the novelty of standing right on the age of the smoldering volcano, I felt dizzy after a half hour and couldn’t help but assume that in the U.S., tourists wouldn’t be allowed anywhere near the crater of an active volcano.




On the way back to the hotel, Carlos regaled us with stories about tourists he’s guided and I asked him if he wanted to see tourism boom in Nicaragua.




“We want more tourists,” he said. “But not at the expense of our culture and our traditions. We’ve got to keep what we have.”

[Photo/video credits: Dave Seminara]