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What Is The Best Time For Travel?

By Johanna

Paris: Notre-DameToday, people travel at all times throughout the year. However, depending on your destination, there are seasonal differences which may not only give you more value for your dollar but also result in reduced crowds.

The two key areas that have a major impact on the cost of your vacation are your destination and the time of year you choose to travel. In fact, the single biggest saver is likely to be when you choose to travel and not how successfully you negotiate for that last minute hotel bargain!

Don’t overlook the importance of considering these two factors together. Some destinations will be extremely cheap at one time of year yet finding a bargain four months later may be impossible.  Traveling to a popular destination at a peak time will never be cheap. For example staying at a luxury hotel in a party city on New Year’s Eve is not likely to be a budget holiday; however, traveling to a traditional summer resort over New Year’s may be a very different story.

One thing that is very important to realize is that low seasons are low for a reason. A classic example of this is hurricane season in the Caribbean and Florida. Other low seasons to be wary of are the extremely hot areas such as Egypt during the summer months, when the heat can be so oppressive that it makes the holiday less enjoyable. Summer resorts are often so quiet during low season that there is quite literally nowhere open. This can be great for a retreat, but when it comes to a raging nightlife you may be sadly disappointed!

Shoulder Season

Shoulder season is the perfect time to travel for those who want to find a happy medium between low and peak seasons. Identifying where is in shoulder season when you want to travel or when your favorite destination is in shoulder season can save you literally hundreds of dollars.

Take a look at the guide books. Whilst they will not tell you when the shoulder season is, they will tell you when peak and low seasons are. The time in between, is, by definition, the shoulder season.

With almost every resort there is a period where the prices become low, not because the location is now poor but because all of the hotels and flights are still servicing the area but the demand is simply not there. Examples of shoulder seasons are Europe in the fall and the Caribbean during late spring.

Winter

Winter is an interesting time of year to travel. Before Christmas, most individuals are trying to make last minute shopping trips. After Christmas, people are dealing with their credit card bills. As such, holidays on far off beaches are often incredibly cheap during the winter period.

A wonderful destination for the winter months is Asia. Weather is variable in Asia during the winter which could mean that you are surrounded by cold one minute and then basking in glorious sunshine. This lack of dependability is something that puts a lot of visitors off and can mean that there are some excellent bargains for those prepared to take the risk!

Spring

If you are looking to travel to Europe, this is the time to do it! Flights are a lot cheaper during the spring months when temperatures are still relatively low.

Mexican beaches and the Caribbean islands start to see their prices drop from mid April as the weather becomes hotter. However, during the spring months, the water and air temperatures are still pleasant and the resorts less crowded.

During later spring, for example May, the traditionally hot and dry countries are not in their peak seasons but have not yet become intolerably hot. So if you want to visit Morocco, Jordan or Egypt, plan a spring vacation.

 Summer

Finding a bargain in summer is tricky. Americans, Japanese and Europeans are all on the move and this is also the time of year that most weddings take place, so honeymoon destinations are in a great deal of demand.

During the early part of summer, through June and July, Caribbean destinations are still good to get a deal, provided you try to book before the Europeans start to flood in during their school holidays at the end of July.

Safari holidays are a good option between June and September. High season ends in May, but the weather is still relatively dry.

Flights and hotels are still quite reasonable in Southeast Asia during the summer months, but temperatures can be quite hot, so if you can’t stand the heat, avoid this destination during the summer months.

Fall

Once again, this is the time to head to Europe. Flights to most major European destinations will be cheaper from October onwards, mainly because the schools are no longer on holiday and families are not traveling as much. Temperatures are normally perfectly pleasant until mid November, so grab yourself a fall bargain in Europe.
While you may choose to travel at any time, some destinations will be more reasonably priced to fit your travel budget during certain times of the year. Also, keep in mind that not all attractions will be available throughout the entire year.
Recently I looked into traveling to Alaska during late October. One of the things we like to do is visit national parks and wildlife reserves. But come to find out, many of the Alaskan wild life areas close for the winter starting around late September. Needless to say we adjusted our travel plans.
Wherever your travels may take you, be safe and enjoy yourself!

Filed Under: Travel, Wiser Living Tagged With: smart travel

Acupuncture Rocks… For Owls?

By Johanna

Owl Receives Life Saving Acupuncture Treatment

Even though I’ve been doing Acupuncture for over 20 years, as a patient and a provider, I still am amazed about how powerful this medicine really is.

See for yourself… no placebo here!

Filed Under: Wiser Body Tagged With: Acupuncture

Credit Card Fraud: Your Single Transaction Alert from …

By Johanna

What a rude awakening and reminder that credit card fraud is alive and well. While checking my email last Sunday, I came across a single transaction alert from my credit card company, an alert I had set up myself.

Every time I or SOMEONE spends above $30.00 on the card, I receive an alert from the company notifying me of the purchase. Frequently I don’t even open the email because I “think” I know what’s in it, since I may have used the card that day.

Well, not so this time. I hadn’t been out of the house on Sunday nor had I used the card to make an online purchase. You can imagine my surprise, when I opened the email and read that I had charged $2024.94 at Bed, Bath & Beyond on 1:30:20 PM EST that day!

A quick call to the credit card company revealed that they had approved the above charge, however declined 2 additional charges for $2011.45 at Home Depot and $1789.34 at Lowes.  The initial charge was made at a store in Colorado and the subsequent charges came in from other states altogether… and I live in Washington State!

The good news for me…

since it was my credit card, I am not responsible for any of the charges. I cut up my old credit card and the credit card number was changed immediately. A new card was sent out and I will receive it within a few days.

The bad news for all of us…

even while I am not responsible for any charges, we consumers will end up paying for this fraud in the form of higher prices and/or additional charges.

A few years back, I had a similar scare, but that time it involved my debit card. Someone had purchased airline tickets in London and presumably someone else placed an order for a Dell laptop here in Washington State.

Since I had checked my account that particular morning, I noticed the pending charges and was able to get the laptop purchase cancelled. Amazingly enough this did not happen because of my local bank.

No, I had to call Dell myself and tell them that this was not my purchase and to please cancel it. Had the order been completed and shipped already, I would have had $1700 less in my bank account until an investigation had been completed.

Up to this time I did not realize (beyond the obvious) that credit cards and debit cards were two different animals altogether. I did not know that I had very little protection with my debit card as compared to the credit card. While most, if not all, credit cards protect you against fraudulent charges, not all debit cards are handled the same.

With a credit card, the fraudulent charge is either removed right away or you are not responsible for the charge while it is under investigation.

With a debit card however, money comes out of your account right away and in essence you are “out the money” until an investigation is completed. Today, debit cards may be handled differently and it may vary depending on who issues the card.

The point I am trying to make… it benefits all of us to know what will happen in the case of fraud and who will be responsible for any fraudulent charges on either credit or debit card.

While I think of myself as very careful in how I handle my credit and debit cards, I still have been affected by credit card fraud. I only use secured wireless connections when making online purchases and don’t enter my card number unless I know and trust the merchant. I no longer use a debit card at all when making online purchases and only use a credit card because of the added protection.

When I shop offline however I use both debit card and credit card. However I’m thinking of switching to using credit cards exclusively or finding a debit card that offers at least some protection against fraud.

Filed Under: Wiser Money Tagged With: Credit Cards, Money

Happy Halloween!

By Johanna

Once again, the end of October is here. In a few more days young witches, ghosts and goblins will fill the evening streets to go from door to door asking for treats. Many of the older, more mature Halloween crowd will celebrate the evening attending or hosting a party.

Halloween is celebrated in many countries around the globe, not only in the United States.

But perhaps we, in the US, really know how to celebrate the occasion.

According to the National Retail Federation:

  • 158 million of us will participate in some form of Halloween celebration.
  • Consumers are expected to spend $6.9 Billion (yes, that’s B as in billion!) on Halloween this year.
  •  Halloween spending is up by almost $30 per consumer from just 2005.
  •  70% of Americans plan to purchased Halloween decorations.
  •  Consumers will spend on average $28 per on costumes.

To get more details and see for yourself what Americans are doing when it comes to Halloween go to: National Retail Federation Retails’s Big Blog

So how will you celebrate? Party or not, enjoy your Halloween!

 

Happy Halloween From All Of Us!

 

Ezzie

 Esmeralda & OlderWiserWomen®

 

 

Filed Under: Wiser Living

Your Relationship With Money

By Johanna Leave a Comment

Money BagMany of us have learned that money does not make us happy nor does it buy us love. But we have also learned that our culture values a big house, expensive jewelry, fancy vacations and more. It’s no surprise many of us are confused and have conflicting values around money.

Take stock in how you feel about money. Listen to yourself talk. Is it that you cannot afford something or that you ask yourself: How can I afford it? Is it time to change your money talk?

~from “77 Useful Tips & Strategies to Improve Your Financial Health” (c)  Johanna Hofmann, MBA

Filed Under: Wiser Money Tagged With: Beliefs, Money

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