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There are benefits and limitations to using a credit card to book a trip.

Buying a cruise ticket or a plane ticket isn't like making another purchase. If you buy groceries or shoes, you can pay the bill completely and walk away with your purchase in hand. You put down a deposit if you buy a car or a house. You don't pay the entire amount until you move or you drive away.

Credit cards work differently when you travel, however. If you need to make a reservation for a flight or a cruise, you pay in full and well in advance. If the carrier goes out of business before you travel, you may find yourself with little recourse against the carrier. You may not have any rights to try to collect your money.

Many travel professionals will warn their clients that there are few guarantees of getting clients what they want, where you want to go, and how you are going to get there. There are five steps that travelers can take to try to get their money back if the carrier goes out of business.

Step 1: Know Your Rights
You don't have many rights when it comes to dealing with the airlines and cruise lines. You are at the carrier's mercy if your flight or cruise is delayed, canceled, or rerouted.

You may qualify for "denied-boarding compensation" if you are bumped from a flight. This means you may be eligible for a nominal cash payment, which is limited to $200 for domestic flights. You don't necessarily qualify for any money if your carrier goes out of business.

Step 2: Charge It
Using a credit card can give you a federally guaranteed insurance policy if your carrier goes out of business. Additionally, using a credit card might be your only way to seek reimbursement.

The Fair Credit Billing Act gives people a way to appeal a charge that they made for a product that was never received. You can file for a refund if you paid for a trip on a credit card and the carrier went out of business. This appeal is only active for 60 days after you make the charge.

It's very risk to pay in advance with a check or cash. The Fair Credit Billing Act does not cover cash or checks and your options for getting your money back after the carrier goes out of business are much more limited.

Step 3: Wait If It's Possible
Travelers usually receive encouragement to make their reservations early. For those who want to take a long trip or travel during peak seasons, booking in advance is the only way to get the dates and prices they want.

The problem with booking so far in advance is that, as we've mentioned before, the Fair Credit Billing Act has a short time period. You will need to file a written complaint within 60 days after you paid for the travel if your carrier goes out of business before you travel. If the ticket was paid for months ago and you've already paid the bill, you can't use the protections offered in the Fair Credit Billing Act.

Step 4: Compare the Carriers Available to You
Airlines in the United States can establish their own policies about delays and cancellations. You can find each policy in the airline's "contract of carriage"; this is the contract between passengers and the airlines, and is available on each airline's contract. Some travelers carry a copy of the contract when they fly. This can enable them to become "experts" on the airline's obligations if there is a problem.

Cruise lines and similar carriers have similar contracts.

Step 5: Consider Paying for Travel Insurance
A travel insurance policy can help you recover money that you've lost on a trip that was cancelled when the carrier went out of business. Be careful to get a good policy, however, and not one that will only give you additional expenses and problems.

The best and most affordable coverage usually comes from independent travel insurers. Consumers who buy policies from the carrier may think they are covered when they actually weren't like buying with a rewards credit card.

Travel insurance policies also can cover a range of problems. Those problems include medical emergencies, bankruptcies on the part of the carrier, and terrorist attacks. You should pay close attention to the coverage you buy. You should make sure that you read the fine print for any insurance policy that you buy. Here are some tips for evaluating your insurance:

* Compare the different policies and insurers available to you. You may want to look at websites that include insuremytrip.com and quotewright.com.

* Buy your policy through an independent insurer and not the carrier.

* Act quickly. You must buy many types of policies within weeks or even days of buying your tickets.

* Think about buying trip cancellation insurance if you are buying or putting a deposit for a trip many months in advance. This is especially true if your ticket is non-refundable. Doing this will give you coverage even after the 60 day limitation under the Fair Credit Billing Act has passed.

* Make sure that your carrier is covered by your insurance policy. Some policies limit the carriers they will cover. Also make sure that your policy covers "financial default" on the part of the carrier.

There is much more to explore on the subject of choice rewards credit card. It's time for a better insight on everlife.com.

If you have been wondering how to get help finding low income health insurance in Colorado, you've come to the right place. May people who live in CO could benefit from programs designed to help those with low incomes, but need guidance on how to get the help they need. Please continue reading to learn more about how you can get the help you need to get health insurance in Colorado, even if you have a low income.

Child Health Plan Plus

Child Health Care Plan Plus (CHP+) is health insurance for children and pregnant women funded by the State government. Once children and expectant mothers over the age of 19 are enrolled in this Program, they can access the following types of services:

Doctor Visits
Dental Care
Visits to the Emergency Room

Prescriptions

CHP+ coverage is available under the following circumstances:

Colorado Residents

Not Covered by Any Other Type of Health Insurance

Not Eligible for Medicaid

A Family Income at 200 Percent or Less Than the Federal Poverty Level

Depending on your income, you may be charged an annual fee to enroll in CHP+. There are no co-payments required for preventive services, which includes checkups and prenatal care. Members may need to make a co-payment when accessing dental care, emergency services, and prescriptions. These fees may range from $2-$15, depending on the service provided.

Medicaid

Medicaid is administered by each state separately, and Colorado is no exception. In CO, this program helps low-income residents get medical insurance coverage. If you are eligible for Medicaid, the plan will pay the hospital or doctor directly for the services they provided. Medicare is available for people for the following segments of the population:

Low Income
Pregnant Women
Blind
Elderly

Compare Colorado Low Income Health Insurance Options

When you are wondering how to get help finding low income health insurance in Colorado, go online to check out these programs first. One of them may be able to help you or your family. You can learn more right now by comparing multiple companies and options. Why don't you get started right away?

Get started finding Colorado health insurance today!

All of us want a great car, the type that runs like a top and looks like a million bucks. The problem is that most of us want those cars but we don't want to have to spend a million just to look like a million. The good news is that there are plenty of opportunities to buy a great car at a discount, if you know where to look that is. I'm talking about repossessed cars for sale, and the market for them is always open.

Buying repossessed cars has turned into more of a science than an art form, and part of knowing that science is knowing where the repossessed cars are and how to get to them. Remember, we are no longer just dealing with a local market, although you can generally find some repossessed cars in your area. Now we are dealing with a nation wide market and if you aren't looking outside your local area you are probably missing out on some great bargains.

Repossessed cars are cars that are taken back, or repossessed by the bank because of non-payment. Often the banks are willing to let the car go for the payoff price since they are in the money business, and not in the car selling business. This is not the same as government seized cars, which is something that we will discuss in a future article.

So once you have located where the repossessed cars for sale are located you will need to start finding a way to buy. Many times they are either put on a lot, perhaps at a local mall for example and sold as if they were at a used car dealership, but other times they are up for bid and go to the highest bidder. This can be done online as well as offline and if you are in the right place at the right time you can really land a beauty of a deal. So get started looking for those repossessed cars and save yourself a bundle.

Seized Vehicle Auctions and repossessed items on auctions are now listed on our website at http://www.carbuyingfacts.info/

Orlando, Florida is a vacationer's paradise. Contrary to popular belief, you don't have to have children to enjoy the theme parks and attractions in Orlando, which include Disney World, Universal Studios, Epcot Center, Disney's Animal Kingdom, and the Disney-MGM Studios. Indeed, Orlando is a wonderful, magical place - and a destination you'll certainly want to visit more than once.

One of the challenges that many people face is finding a cheap Orlando vacation. After all, airfare, hotel accommodations, meals, and theme park entrance fees can take a big bite out of your pocketbook. Here are some tips on booking an Orlando vacation at a bargain price....

1. Purchase a Package

Although some people are intent upon purchasing airfare, hotel accommodations, and park passes separately, the truth is that you'll get a much better deal if you buy an Orlando vacation package. Those who sell Orlando vacation packages get deeply discounted rates, and can pass those savings on to you. Although you may suspect that some packages are too good to be true, once you check out the reputation of the sellers, you are likely to find that the offers are legitimate.

2. Be Flexible in Your Travel Dates

The more flexible you are in your travel dates, the more likely you are to find a cheap Orlando vacation package. If you're insistent upon traveling during peak periods, you're going to pay premium prices. If, on the other hand, you are able to travel in the non-peak season, you'll find a plethora of bargains from which to choose.

3. Look for the Extras in Accommodations

Travel packages vary widely in the types and length of accommodations offered, as well as the tickets that are included. It pays to do your research and find the package that offers you the biggest bang for your bucks. You may, for example, find a cheap Orlando vacation for only $249 per person, double occupancy. It could include such features as four nights of hotel accommodations near the Disney Main Gate plus two nights of hotel accommodations in Cocoa Beach, Florida.

4. Look for the Extras in Tickets

Some Orlando vacation packages offer an amazing array of tickets and passes, so be sure to find the one that best suits your interests and needs. For example, you may find a package that's discounted 65% from what you'd normally pay, and that still includes two one-day passes to Disney or Universal, two Kennedy Space Center tickets, Sterling Casino Day Cruise tickets, dinner theater tickets, and so forth.

5. Consider a Timeshare

If you love all that Orlando has to offer, consider purchasing a timeshare in the area. A timeshare provides you with access to all of Orlando's attractions while giving you a place to call "home." As those who own timeshares can attest, it's a great feeling to know that you have a place to stay while you're in Orlando - particularly if that place is a resort. For those who are looking for a cheap Orlando vacation and who don't own a timeshare, there are resort companies that offer incredibly cheap Orlando vacations in exchange for listening to a sales presentation. You really can't beat the prices when all you have to do in return is give up an hour or two of your time.

Don't let cost keep you from visiting one of the most magical places in the United States. Find a cheap Orlando vacation and enjoy all that the Sunshine State has to offer!

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Booking a Cheap Orlando Vacation or Majon's Travel directory.

More massive travel savings are always given to the best planner of travel. The best planners use a travel agent. Question, who do you think would get the best rate on an all-inclusive travel package to Jamaica, you or the travel agent? Nine times out of ten, the travel agent wins. Why is that, you ask? They're the professionals of the industry, and no matter how many times you've already visited, received published discount rates, shared laughs with the host of the hotel, it doesn't amount to power of a true travel professional.

One phone call to the front desk, and travel agents discounts are eagerly rolled out the travel professional, no questions ask. But here's how you can benefit! An excellent travel agent can offer you some of these same perks that can save you hundreds easily. Here's more travel agents secrets revealed.

Early Bookings: Lets be real, 50 percent of travel is done within a months' time of planning. So you are never getting any good specials unless rooms need to be filled to max out vendors(hotels,cabins,etc,) sales. A travel agent has immediate excess to this information, so that you can save up to 60%, from just 2 weeks planning.

Avoiding Fees: Since the increase of fuel has rapidly affected all parts of our global economy, being educated about the extra charges for luggage, bookings fees and how to avoid these fees alone are priceless. Did you know as of now, cruise lines will charge you extra fuel charge per day ranging from $2-$9 per person. Airlines are charging $15-$50 for extra luggage, and each airline is different. Travel agents can inform you on which airlines charges the less, and even ways on how to avoid those fees altogether. Think you can do better than that, within minutes?

Negotiating Prices. Travel agents book hotel accommodations for major companies with hundreds to attend, so they get special rates given to them all the time based on credibility. Therefore, having your personal travel agent negotiating a family vacation package for 5 at the same hotel he/she has just booked an event for 200 people sounds quite rewarding as appose to you fussing, trying to get a $20 discount. Me personally, I would let the travel agent do their job, I couldn't win that argument without those expertise.

Often, online travel agents get bombarded with travel promotions and sometimes have to choose a guess of their choice to go on a 5-Day Carnival Cruise for $90. Wouldn't you want to be a good personal friend with an online travel professional and ask him/her, "are their any travel promotion you have going this month"? My email inbox probably has over hundreds of offers like this right now.

Simply stated, whether it's airline travel discounts, Disney travel discounts, student travel discounts, or just a family vacation package, you want the best for your money. Work personal with a good certified travel agent, and you'll always get the best deals, period.

Brad Addo, is a professional travel agent since 2005. With his full service online travel agency that's user friendly, he continues to provides outstanding and affordable rates, travel insurance, plus educating travelers on industry discounts. Visit his money savings travel site at http://fortunestravel.com