How to save up for the dream vacation in 90 days: Tips from a financial guru.

I love financial expert Jean Chatzky’s voice. She sounds so calm and reasonable. I came across a video clip of hers where she outlines how to save for a dream vacation in 90 days. It’s not rocket science, and her tips do work. I just did number two myself.

Here are the three tips in a nutshell. Seriously. It’s not rocket science.

1. Once you decide where you want to go, find out how much it will cost. Chatzky says to figure in the costs of eating and entertainment as well. The ticket or gas prices are only part of it. Factoring in ALL expenses helps plan. She recommends travel Web sites to scout out deals.

2. Then she suggests that you look to see if there are ways you can save, such as seeing if you can use miles. (That’s how I’m going to Denmark with my daughter in December.) In many cases we have NOT used miles if flights were not that expensive. We wanted to save up miles for a bigger trip.

3. Once you know your total cost, divide the cost by 13 since you have 13 weeks to come up with the money. Chatzky then says you look at your expenses to see what you can cut out each week. Chatzky picks coffee, clothes, lunches out and make-up as areas for savings.

Her figure to save was $80 a week. If you save $80 for 13 weeks, that’s $1,040.

If $80 is a hefty amount, my idea is to expand the length of time you need to save the money. The point is to know what your goal is so you can aim for it.

Although cutting back on immediate expenses, Chatzky says that once you’re on the beach, or wherever, the sacrifice you made to get there will be worth it.

Here’s the link for the video so Chatzky can tell you the how tos herself.

Any tips you’ve come up with to save for your dream vacation? I’ve saved all spare change.

American teacher accused of being a spy: Hold onto that passport and register it to be safe

Perhaps you’ve come across this story of Michael Lee White, the American teacher at a business college in China who has been accused of being a spy involved with the CIA and having a role in the recent small scale war in Georgia. Those teachers. Just kidding. White doesn’t seem much like spy material from the description in the AP article.

He wears T-shirts that say “Save The Whale,” for example. And if he is a spy, I certainly hope he would have better digs somewhere else. He’s cramped up in a small apartment without a lot of furniture. Where’s the glamor? This doesn’t sound very James Bond like.

The reason White is under scrutiny is that his passport was found in the basement of a house in Georgia along with other items belonging to soldiers who high-tailed it out of there.

According to Michael Lee White, he lost his passport on a flight from Russia to the U.S. October 2005. And, he has never been in Georgia. Besides that, when the war was happening, he was back in the U.S. taking care of his sick father. The CIA also says that White is not in the CIA.

It seems to me that White will be cleared, and this will be chocked up to a weird travel story snafu, but it does hammer home the point, guard that passport carefully.

I know people who have lost their passports and it has always caused a problem. The good thing is that with a lost passport, you can create a paper trail to back up claims about your whereabouts.

Here are the four situations people I know have lost their passports. White’s is similar to number 1. The others were the result of robbery.

1. Left behind at the Milan train station when buying a ticket.

2. Taken from a backpack while the person was sleeping on a train in France.

3. Taken from a backpack while the person was sleeping on the beach in Vietnam.

4. Passport slipped off his neck when he ducked out of his shirt to foil a robbery attempt in Fez, Morocco. When robbers grabbed his shirt, he threw up his arms, ducked out of his shirt and ran. The passport pouch that also held his money and train pass came off along with the shirt.

If your passport is stolen, or if it goes missing because you left it somewhere, make sure you report it missing immediately in order to cover yourself. Your passport will be canceled so no one else can use it (ideally).

There is a form to fill out. Here’s the link for that. You can also call to report it missing or stolen–or you can do that on line at www.travel.state.gov

One way to add protection in case your passport goes missing is to register at the American embassies or the consulates in the countries where you will be traveling.

If you lose your passport, this may speed up getting help. If there are problems when you travel, registering may also help the embassy or consulate serve you better. Here’s the link to the page about registration.

You and Europe video contest

Here’s a way to win a trip to Europe for two. Here’s one catch. You have to either travel to Europe and shoot a video of the experience–or have been there before and have a video on hand, or there’s no hope for you. The European Travel Commission’s, “You and Europe” contest is one where travelers submit video footage of their European trip to www.visiteurope.com. There it can be viewed by the public and the judges.

If you’re heading to Europe this summer, you have time. The deadline isn’t until September 30. After that the judges will decide who wins. According to the Web site, videos can be “funny, poignant, romantic, serious, or silly–capture an aspect of the culture–whatever captures your imagination.”

Videos need to be no longer than three minutes. As a bit of advice, based on “an aspect of the culture,” I wouldn’t make this a Borat-style film where your interactions are the focal point. The Web site is pushing Europe to travelers. As darling and stunning as you are, you’re not it.

To give you tips and ideas, there is a how-to video on making a travel video from CompulsiveTraveler that is geared towards the contest. You can also view what others have submitted for a shot of inspiration.

Hint: These are good. Make yours better.

Travel question? Ask the New York Times travel editor

At Gadling, we like to think that we are pretty smart in regards to all things that relate to travel, but it never hurts to go to other professionals when it comes to travel advice. One of those professionals is the New York Times travel editor Stuart Emmrich. This week, April 7-11, he is answering questions from readers. So shoot him an email with your toughest and most complex of travel queries and see what you get for a response.

Click here for Emmrich’s email address. And when you’re done, send your question our way and you can compare answers.

Turn off your laptop when going through security

As we barrel through the cold, snowy, dry months up here in the great American North, here’s another tip for going through security at the airport: if you’ve been working on your laptop outside of security and just closed the screen real quick to pass through to resume working, you may want to consider turning it all of the way off.

With humidity as low as it is, people generate a lot of static electricity when removing jackets, shoes, scarves and sweaters before going through the metal detector. Doubling that by putting everything back on, we now become supercharged as we dangerously, in slow motion, reach down to our hibernating notebook computers….. until ZAP! we discharge on them.

And it doesn’t take a genius to realize that any electrical discharge onto a live circuit could result in you frying the whole thing.

After shocking myself and my Thinkpad for the 500th time last weekend I said to the woman watching me pack up my stuff, “Dude, you should ground something here so I can discharge myself”

She replied “Dude, you should turn off your laptop”.

Wise words from the TSA. Amazing.