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Ten Ways to Fight Identity Theft

Recent reports estimate that as many as one in ten of the population have been a victim of identity theft, one of the fastest growing crimes of the last few years. By using a variety of means to usurp your identity and pass themselves off as you, the criminals involved go on to commit fraud and theft in your name – leaving you to pick up the pieces afterwards.

The effects on your credit rating can be devastating and often take years to completely fix, so prevention is obviously better than cure. Here are ten simple ways to help you avoid becoming a victim.

1: Be careful with your old documents such as paid bills, bank statements, and receipts. Either keep them safely stored or destroy them if you don’t need them anymore. Don’t just throw them away, as fraudsters often start stealing an identity by searching for these very kinds of documents in household waste. Shredding or burning unneeded papers will prevent this first step.

2: Store your personal documents securely by keeping them somewhere out of the sight of visitors to your home.

3: If you change your address, make sure that you inform your bank, utility companies, and everyone else who sends you mail. Documents wrongly sent to a previous address are a favourite target of fraudsters.

4: Make sure that when you stop using a credit card or bank account, you actually formally close the account rather than letting it go dormant. Having an unused, forgotten about account resurrected by a fraudster might not even be noticed until serious damage has been done.

5: Watch your plastic – make sure you know where your credit, debit and ATM cards are, and tell the issuing banks immediately if you lose them or they’re stolen.

6: If possible change your PIN numbers and passwords to something easily memorable, and NEVER write them down, especially not on scraps of paper kept in your purse or wallet.

7: Don’t respond to phishing. Banks will never ask you for personal details via email, and won’t ask you for the password to your account. You don’t need to ‘reconfirmed’ your details following an email request either – just delete the email. If in any doubt at all, call your bank to make sure the request is genuine.

8: Use anti-virus software and firewall on your computer, especially if you use online banking of any kind. Keep the software up to date as well to guard against attempts by hackers to discover personal information on your computer.

9: Check your bank account and credit card statements carefully when you receive them, and query with your bank anything that you can’t identify. Spotting a fraud in progress early on will vastly help in minimising the damage it causes.

10: Finally, monitor your credit reports regularly to see if anything appears that seems odd, such as applications for credit cards that you didn’t make, or missed payments on finance that you haven’t taken out. Services are widely available online which can help you do this by automatically informing you when something on your file changes.

None of us can be 100% sure that we won’t fall victim to the crime of ID Theft, but by taking the measures listed above you’ll be making the job of any potential fraudster very difficult indeed, and they’re likely to move on to an easier target!

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Buyer Tips, For The Home, Helpful Tips, Real Estate Tips, Seller Tips

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Used Car Buying Tips

Some of these used car buying tips won’t be new to you. Often the trick is just to apply what you already know. On the other hand, when it comes to expensive areas of life-like buying a car, one new thing learned can save you hundreds of dollars. Try some of the following.

1. Make a low offer. Okay, you knew this one. A trick you may not have used, though, is to make a low offer, and then leave your phone number with the seller. Time has a way of making sellers desperate, especially after you just helped convince them that they are asking too much.

2. Be careful with car price guides. Use the “blue book” etc, but try not to pay more than wholesale. I can’t think of many times when people I know have paid more than “blue book,” so these “average” sales prices are doubtful.

3. Talk to people. This is one of the simplest and effective used car buying tips. Just let friends, family and others know you’re looking for a car. Quite often people would be happy to avoid the whole process of advertising and showing their car if they could just get rid of it by giving a good deal to a friend.

4. Check out the engine. Have a mechanic look at the car, and tell you what it’s likely to need in the next year or so. Then make a list, so the seller can see in writing why you are offering less than he wants.

5. Auctions. See if there is a public auction in your area. If not, maybe you can go with a dealer friend and give him a $100 to buy a car for you.

6. www.carfax.com. It’s around $25 to run vehicle background checks for a month – long enough to find your next car. They’ll show the chain of title, accident reports for the car, and even safety and reliability scores for that model.

7. “Ugly” cars. Watch for cars that sit on the lot for months. Dealers will often sell these “ugly ducklings” at a loss just to move them. Again, you may want to leave your phone number with a low offer.

8. Rental company cars. They are sold fairly cheap when they get the new ones in. Buy at blue book wholesale or less, because they have had many different drivers, so they’ve more wear than normal.

9. Repos. Credit unions and some small banks do their own selling of repossessed cars. You usually bid on paper, maybe with a $50 deposit, and then get your $50 back if you’re not the winning bidder. If they don’t sell their own repossession, ask where they are sold.

10. Consider gas mileage. High mileage may be better, but maybe a car that costs $500 less will use only $400 more gas in the two years you expect to own it. Do the math.

Use the tips here the next time you are shopping for a used car. Meanwhile, why not learn a few negotiating strategies. This helps in many areas of life, and is the most important of these used car buying tips.

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Your Options in Car Financing

There are so many car financing options available how do you know which one is right for you? Read on to obtain information about all of the different options available and how to determine which one will provide you with the best benefits.

Many people take advantage of an option known as dealer financing. This is when you handle the financing of your new vehicle directly through the lender. Now, that doesn’t necessarily mean you’ll be making your payments directly to the dealer. Usually, they work with a finance company to provide the financing to you. There are definitely some benefits to this option. First, depending on your situation you may be able to obtain extremely low-interest rates; in some case you may be able to obtain a zero percent interest rate. In order to obtain this special rate; however, you will need to have excellent credit with no problems. If you have any problems at all on your credit history you will not qualify for the special interest rate although you will probably be able to still obtain a loan; just at a higher rate. When your credit report is not perfect ask yourself whether you could get a better deal at a bank.

Bank financing is an option that is typically available as long as your credit history is good. This means it doesn’t have to be perfect but you shouldn’t have any major flaws either. If you have already worked with the bank in the past this will increase your chances of obtaining a loan. While a bank interest rate may not be as low as what a car dealer can offer for individuals with excellent credit, it may be better than what you could obtain at the dealership if your credit is only ‘good.’

Another option you may wish to consider is credit union financing. Of course, this option is only available if you belong to a credit union. If you do happen to have a credit union membership; however, the rate available to you may be much better than what you can obtain through a bank or dealership.

These days it is also quite easy to simply go online and surf around for a quote from an online lender. This option has become so popular many lenders are now willing to compete with one another and offer very attractive rates. In the event you do not have perfect credit, this can be a good option for you; just make sure you fully understand all of the terms of the loan before accepting it.

Another option would be to simply borrow the funds from a family member of friend. Of course, this is extremely risky because it could cause problems in your relationship in the event that you run into a problem with the payments. But, if you can’t obtain a loan elsewhere because of credit problems this may be a good option.

Finally, you may wish to consider refinancing your home or taking out a home equity loan in order to finance the cost of your new home. This basically allows you to pay cash for your vehicle with the proceeds of the loan and then paying back the money through the refi loan. In some cases you may be able to get a better interest rate with this route than you would with a traditional bank auto loan. In addition, the interest you pay on the loan is tax-deductible. Like other options; however, there are some disadvantages. With this option, be aware that you could be putting your house at risk, not just your car, if you run into a problem and can’t make the payments in the future.

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Visiting Popular Summer Vacation Destinations While on a Budget

If you are like most other individuals and families, your finances may be tight.  There are many families who are just scraping by and others are the on the border of debt.  If this situation sounds all too familiar, a summer vacation may be the last thing on your mind.  If you and your family are interested in taking a summer vacation, you can, no matter what your financial situation. 

When selecting a summer vacation destination on a budget, it is important that you do not limit yourself.  There are too many individuals who search for a vacation destination solely based on price.  Instead of first searching for low-cost vacations, you are encouraged to find the vacation destination of your dreams.  Once you closely examine the hotels, restaurants, amusement parks, or beaches that your selected destination has to offer, you can easily learn how and where to save money. 

If the beach sounds like the perfect summer vacation destination, you have a number of options.  Popular beaches, that are designed for those on a budget in the United States may include, but are not limited to, Virginia Beach, Pensacola Beach, Long Beach and Don’t forget all of the wonderful places in SW Florida ( Marco Island, Naples, Bonita Springs, Fort Myers, Estero, Sanibel Island and Captiva Island to name a few )   . You can plan a beach vacation in the Caribbean or overseas; however, the cost of travel will likely increase the cost of your vacation. 

Virginia Beach, Long Beach, Daytona Beach, Myrtle Beach, and Long Beach are all known as vacation “hotspots.”  Many individuals automatically assume that the most popular beach destinations are too expensive. While some facilities and activities may be high-priced, there are ways for you to vacation there on a budget.  Instead of staying at an ocean-side resort, you could save a large amount of money by booking an inland hotel. The same can be said for restaurants, bars, and event centers.  Almost everything is more expensive on the shoreline.

If you are more interested in spending your vacation golfing, you may want to examine the golf resorts in and around the Untied States.  Many popular golf courses are located in Myrtle Beach, Newport Beach, Scottsdale and many wonderful golf courses in SW Florida.  If you are on a budget, you can easily benefit from purchasing a resort package.  Many popular golf resorts, in the United States, Europe, and the Caribbean offer packages that offer accommodations that may include travel, hotel stays, golf course visits, and dining. 

Golf resorts are popular vacation destinations for many individuals, but many can be expensive.  If you are unable to obtain a discount vacation package, but you still want to your vacation to have a focus on golf, you have a number of options.  Many golf resorts allow vacationers to play on their courses, even if they are not staying at the resort.  It is also possible to golf at well-known golf courses that are not considered resorts.  As with a beach vacation, you may be able to save a large amount of money by staying at a hotel or dinning away from a golf resort.

Theme parks and amusement parks are popular vacation destinations, especially for those with children.  If you and your family are interested in vacationing at a United States theme park, you have a number of options.  Theme park resorts are similar to, the above mentioned, golf resorts.  A large number of well-known theme park resorts, including Orlando Studios, Disneyland, and Disney World can be selected, even if you are on a budget. Many of these resorts offer vacation packages that include hotel stays, theme park use, on site dinning, and much more. 

Theme park resort packages are a great way to save money, but you could save even more by not paying for services that you will not use.  If you do not have to fly to reach your destination you should not have to have travel accommodations included in your package. You may also be able to find cheaper hotel accommodations that are located a short distance away from the theme park of your choice.  In addition to theme park resorts, you can find days of fun at smaller parks, such as Six Flags, Sea World, and Bush Gardens.

You may recognize many of the above mentioned summer vacation destinations.  Popular vacation destinations do not have to be financially out of your reach.  Simply by cutting a few corners, you could be vacationing alongside the rest of America, even while on a budget. 

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Family Resorts in Mexico

Vacationing with your family in Mexico offers many benefits.  Though many cities are associated with constant partying, there are also many activities that are designed for young children and teenagers.  Many children receive discounts at many popular tourist attractions.  Selecting an all-inclusive vacation package for the whole family is one of the best ways for everyone to enjoy their vacation in Mexico, without having to worry about the cost.

If you are interested in visiting Mexico with your family, you will want to examine some of the many attractions that are specifically geared towards children. These attractions and activities are ideal for making the most out of your family vacation.  Below is a summary of just a few of the many attractions and resorts that you may find exciting in Mexico.  For additional information, you are encouraged to contact your local travel agent or use the internet to guide you in your search.

Located on the Mayan Riviera is the Xcaret Theme Park.  The Xcaret Theme Park is a wonderful attraction for those who are looking for a family resort.  Located in Cancun, Mexico, the Xcaret Theme Park is a theme park that is often compared to Disney World or Disneyland.  Similar to Disneyland and Disney World, you can expect to enjoy a fun-filled day at Xcaret, thanks to amazing rides and attractions.

A deep underground river is a popular feature of the Xcaret Theme Park.  You and your family can see plenty of beautiful tropical plants as you enjoy the river.  Xcaret is also host to many wild and exotic animals.  There is a butterfly pavilion, a coral reef aquarium, and you are given the chance to swim dolphins.  Many children, as well as adults, will be thrilled with this theme park.  In addition to the Xcaret Theme Park, Cancun offers many family friendly resorts.  To find a luxury resort that offers family oriented activities you may want to check on the internet or speak with your local travel agent. 

Cozumel also offers many great attractions and activities that are designed for individuals of all ages, including children. Cozumel is ideal for family vacation, especially because it has one of the lowest crime rates in Mexico, as well as the world.  Cozumel is home to some of the most beautiful coral reefs.  This often creates an incredible adventure and learning experience for children.  If your children will enjoy scuba diving or snorkeling, then you will want to plan a trip to Cozumel. 

With so many options for families, choosing a Mexican all-inclusive vacation is a great idea. The vacation package will also include items such as snacks, drinks, meals, as well as hotel accommodations and airfare.  Teaching children about various cultures and customs and letting them view the Mayan ruins first hand is an amazing lesson in geography and history. While education is nice, the above mentioned locations do not completely just focus on it. There are so many fun-filled activities such as snorkeling, diving, swimming, hiking, fishing, sailing, and parasailing. These activities are great for families with active children.

In addition to the above mentioned popular Mexican destinations are that are designed for the whole family, you may want to consider additional sights and attractions.  Mexico has so much to offer you and your family. In fact, you and your family may wish that you could stay in longer.

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Family Beach Vacation Ideas

All across the world, there are several locations you can choose for your family beach vacation.  Below, you will find many different locations, and what they will offer you and your family.

Maui Throughout the West Coast of Maui, you’ll have many choices for your beach vacation.  If you plan to enjoy golf, the Kapalua Resort is a great choice, as guests will receive 30% lower golf rates than those who don’t stay at the resort.  The resort also includes the Kapalua Bay Hotel, Kapalua Villas, and the Ritz-Carlton Kapalua.

One bay over from the Kapalua Bay is the Napili Kai Beach Resort, which is a low rise family resort that offers comfortable beach front condos.  The Napili Kai also offers complimentary programs for children ages 6 – 12 from mid June to the end of August, during Easter and Christmas.  The condos are seconds away from the beach, and they include kitchens as well as laundry facilities.

If you prefer a more secluded area, the Maui Prince hotel is located in a quiet setting surrounded by two scenic golf courses and a large sandy beach that kids never seem to get enough of.

Mololai family adventures The island of Molokai is filled with empty beaches, no traffic lights, and few tourists.  Many tourists visit only for a day or so, with some going to the island because they assumed they were going to Molokini (which is a snorkeling site near Maui).

The island of Mololai is accessible by ferry from Maui or by plane from Honolulu.  The island is ideal for those who like the outdoors with a twist of adventure.  When you visit here, you shouldn’t expect shopping or nightlife.

Florida The Breakers Hotel in sunny Palm Beach Florida has a spa, golf course, and a 1/2 mile sandy beach.  There is also a separate pool for the kids, a family entertainment center, and a kid’s program.  Families can reserve up to five adjoining rooms while children under the age of 16 can stay for free in the same room as their parents.

If you decide to take your beach vacation in Orlando, the Loews Hard Rock Hotel offers you plenty of beach and amusement rides, with a 240 foot slide and a white sandy beach.

Florida also has SW Florida beaches with many wonderful places right on the beaches from Marco Island all the way up to Captiva Island. Whether you want to just relax in the SW Florida sun or enjoy the backwater fishing or Fishing in the Gulf Of Mexico, Or enjoy recreational boating to Shelling. Whatever your Vacation desires you will find it here in the SW Florida area of Naples, Fort Myers, Bonita Springs, Estero, Sanibel Island or Port Charlotte. If nature is your thing to do we have sightseeing tours from the Gulf of Mexico or go inland to ride a air boat or swamp buggy. Enjoy dining while watching the sunset by boat or restaurant, Enjoy deep-sea fishing for some Grouper, Marlin, or Red fish , Along the shoreline for trout, Snook or even a Catfish for a good fight, Try backwater fishing for Snapper, Sheepshead, Trout or whatever might be running with the tide Also don’t forget the freshwater fishing for those Large Mouth Bass. If golfing is for you then we have many of the state’s top courses in the local SW Florida area, We even have several putt putt courses for the beginners. Most of all whether you want to bring the whole entire family to enjoy the SW Florida area or just want to escape with that special someone then SW Florida is the place to relax, unwind and enjoy yourselves to the fullest, after all we are the sunshine state.         

California With several family beach vacation resorts in California, the Hotel Del Coronado is among the most famous.  The hotel offers many different facilities for families, including lessons in kayaking, surfing, tennis, and biking.

Georgia The barrier islands in Georgia offer ambiance, sandy beaches, and a laid back prospective to life as you know it.  Jekyll Island offers you miles of paved bike path with three 18 hole golf courses, which is perfect for golf enthusiasts.

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Rent to Own

Some potential homeowners who are not able to purchase a home right away consider rent to own options instead. A rent to own option, often referred to as a lease, is essentially a rental contract for the rental of a property which includes the stipulation that the renter will be given the option of purchasing the property at the conclusion of the lease. This type of rental agreement may not be worthwhile for all renters but there are some who will find this type of agreement to suit their needs quite well. In particular renters with bad credit who might be unable to buy a home otherwise and renters who aren’t quite sure they really want to buy a home. It can also be a worthwhile agreement for homeowners who are planning to sell their home buy may not want to sell it immediately.

When Your Credit is Bad

Potential homeowners with bad credit may find a rent to own situation may be just what they are looking for to help them purchase their dream home. There are a variety of financing options currently available and it is likely even homeowners with poor credit can find a financing option but it is not likely this option will be favorable. Homeowners with poor credit are often shackled with unfavorable loan terms such as higher interest rates, requirements to pay points and adjustable rate mortgages instead of fixed rate mortgages. In these situations, it might be worthwhile for the renter to repair his credit before attempting to purchase a home.

One of the best ways to repair credit is to maintain good credit in the present and into the future. Most blemishes on credit reports are erased after a certain period of time. Renters who have poor credit can work on repaying their current debts in a timely fashion and with time their credit score will improve. During this time participating in a rent to own program allows the renter additional time to repair his credit and may also allow the renter to accumulate financial resources which will enable him to purchase the home when the lease period is over.

When You Just Aren’t Ready to Buy a Home

Some renters opt for a rent to own program when they aren’t quite sure they really want to own a home. In these types of agreements, renters are given the option of purchasing the home at the end of the agreement period but they are not obligated to purchase this home. This allows the renter to see what it is like to own a home without having to commit to homeownership.

Renters who are renting a home may learn a great deal about homeownership during the rental period. This may include information about maintaining the landscaping of the property and dealing with conflicts with neighbors. It may also entail caring for and maintaining a significantly larger domicile than most apartment renters have to maintain. Some renters are not quite sure they are ready to handle all of these issues and may use a rent to own agreement as a trial period to determine whether or not homeownership suits them.

When the Homeowner Just Isn’t Ready to Sell

Some homeowners offer a rent to own option when they plan to sell their home but do not want to do so immediately. Some homeowners may be hoping for property values to rise before they sell their home so they can either regain the amount they have invested in the house or profit from the purchase price of the home. These homeowners might choose to rent out their home during this time and offer the renter the option of purchasing the house after a set time period. This enables the seller to earn an income from rent while they are no longer living in the home. The rent they charge to the renter is often enough to cover the mortgage and yield a profit making it a financially wise decision for the seller.

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Skiing Vacations at the Fairmont Chateau Whistler

The Fairmont Chateau Whistler, in Whistler, British Columbia, is a gorgeous alpine resort in the shadow of Blackcomb Mountain.  Rated as the number one ski resort in both Canada and North America in recent years, the Whistler Blackcomb resort is one truly not to be missed.  British Columbia is home to many of the world’s best ski resorts, and Whistler Blackcomb certainly reaffirms this.  The impeccable reputation of the resort is only further bolstered by the eight thousand acres of pristine skiing, and over thirty-five feet of powder white snow which falls every single year, making Whistler Blackcomb the destination of choice for savvy ski enthusiasts the world over.

When it comes to skiing facilities, you’d naturally expect the Whistler Blackcomb resort to have it all.  Catering for a broad cross-section of skiing abilities and tastes, there are over one hundred different runs to keep you occupied on your stay.  The natural beauty of these resorts is obvious, and the facilities just add to the overall experience.  In the lap of luxury, you can experience world class skiing, indulging in connoisseur black diamond runs, and lightening fast ski lifts.  With an astonishing 57,000 skier per hour capacity, the Whistler Blackcomb resort is not only high quality, but also in high demand by those in the know across the world.  And after you’re active day, relax in the warmth and comfort of the resorts bars and restaurants, where you can share a joke or two over an open fire when it’s cold outside.   For most people, it really doesn’t get much better than that, and that’s why the resort has attracted such acclaim, on top of its excellent skiing and snowboarding facilities.

But don’t worry if you don’t know how to ski – the resort also boasts activities like golf, a health spa, gourmet restaurants, attractive walks and hiking.  There really is something for everyone at the resort.  Additionally, if you’d like to learn to ski, there really is nowhere better.  The Whistler Blackcomb resort also employs a one thousand-strong teaching staff, making it one of the biggest skiing and snowboarding schools in North America, and indeed in the world.  Whistler Blackcomb boasts an unparalleled number of world class instructors, which serve to ensure a high standard of training for all the school’s participants.  Additionally, with a range of training and tuition programmes available, the Whistler Blackcomb resort truly is one of the best locations in the world to improve your skiing skills.

The Fairmount Chateau Whistler is a truly unique skiing experience, making use of its beautiful natural resources, and a flair for quality and service.  Any vacation at the Chateau Whistler will be an experience not to be forgotten, and with a wrought-iron reputation, you’ll find many skiers choose to go back year on year for their annual vacation. 

If you’re looking for a good tip for vacations to the Chateau Whistler, you could do worse than to book direct through their website.  By cutting out the middle man you are paying only the hotel price and no commission, which means you can benefit from a much cheaper stay.  Additionally, on the Fairmount website, you will find last minute bargains and offers which are simply unbeatable anywhere else, so you might just find that your once in a lifetime skiing experience costs a lot less than you had anticipated.

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Get the very best Rates on Hotel Rooms

It can be fun to go on a trip and enjoy staying in a luxurious hotel room. Yet many people have to pass up that option and go for a more moderate hotel because of the expense involved. There are some good ways to get the hotel you want at a price you can afford though. It does take some research and planning but it can be done.

Regardless of the hotel you are looking at, weekends are generally their busiest time. Planning your stay during the week will help you get a much lower rate. You also need to do research to find out the slowest time of year for that given hotel. They will offer lower prices during that time period so that they can sell rooms rather than leaving them empty.

If you have any type of membership such as AAA or military, you may be eligible for discounts on various hotels without even knowing it. Call the hotel and ask them what discounts they offer. While you have them on the line ask them to quote you the very lowest price they can offer. Then compare this price to different online sites.

Sometimes the hotel offers the best price and other times you will find it online. If you are more comfortable booking with the hotel directly, ask them to honor a price you found somewhere online. Many hotels offer discounts for people who have stayed with them before, even free nights or upgrades after you have stayed with them a set amount of times.

If you will be staying at the hotel for several days at a time you will likely get special treatment. This could be a room close to the elevator or with the best type of view. Make sure you mention the length of your stay and what you are interested in when you make the reservation. There is generally no extra cost for such features but make sure you ask before you agree to the reservation.

When you arrive at the hotel you can ask them for a free upgrade. If they have the room available they may be able to honor your request. There is no guarantee that it will happen though so be prepared that you will be in the type of room you paid for. If you are visiting the hotel on the off-season or during the week you are more likely to get such an upgrade at no extra charge. You may mention that you would really love one of the balcony rooms if they could offer you an upgrade if you want a specific type of upgrade amenity.

Many people plan their hotel arrangements way in advance. This is good so that you are guaranteed a room. However, if you can get away with flexible days to stay then you can keep a watchful eye on the very best prices. You can grab some great last-minute deals on hotel rooms online at different travel sites. You have to be careful though because you don’t want to end up with no hotel room at all.

You can try to work out a deal by simply walking into a hotel in the late evening to see what is still available. You have a good chance of working out a good deal since the room may go unused if they don’t offer it to you. However, they may be viewing it as a chance to get more money for the room since you are looking for one at the last-minute. Don’t be afraid to say no to their offer and try to renegotiate it. Too many people simply walk into a hotel, as the price, and then pay for it without any negotiating taking place whatsoever.

If you know several other people who will be staying at the same hotel you can ask for a group discount rate. In some cases the rooms all have to be paid for together but the majority of hotels will accommodate individual billing.

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New York City of Diversity

If you’ve never been to New York City, you may be surprised to know that there is so much more to this great city than skyscrapers, lots of people, and really fantastic parades. While it is in fact the wonderful people of this city that make it the exciting place to visit that it has become, there is so much more to this city than what you’ll see on the television shows and in the news.

New York City is a city full of exciting people from all kinds of backgrounds with all kinds of hopes and dreams of the future and experiences of the past. You will find artwork here like few other places in the world, you will see more nature here than in most big cities around the world, and you will enjoy seeing more cultures and nationalities represented in the space of an hour in this city than most people who live elsewhere experience in their entire lives. New York City is the true melting pot of the world and the rest of America is simply trying to catch up.

You will find music and art that is representative of the many cultures that call this grand city home. You will experience the sights, sounds, and scents of worlds that are exotic and foreign simply by walking down neighborhood streets where people are cooking dinner at night. You will hear more languages in one day than you probably ever dreamed imagine and while you may stand around with sensory overload thinking anyone would be crazy to live like this, most of them are looking at you thinking you’d be crazy to live anywhere else.

This is perhaps the greatest thing about visiting New York City. You get to experience for a moment the excitement that comes from living in this fascinating city. You get to understand what it is like for those living there. And you get to understand first hand what it is like to be alone in a city of millions and yet by being there, being one of them, belonging somehow to this giant community of strangers from different cultures, different pasts, and different futures.

Most people visit New York with certain preconceived ideas and certain goals for their visits. Hopefully the preconceived ideas will all be challenged and the plans that you have made are flexible. There is so much to do and see that you could go one block each way from your hotel and probably notice something new each and every single time you went by. My point in this is that you need to leave time to experience the wonderful things you won’t discover in the guidebooks. There is only so much of this city that any one person could possibly find to write about. I can imagine that there are New Yorkers that could eat in a different restaurant each and every day without eating in the same one twice in five or ten years. I find it hard to believe that a guide-book is going to be able to hold everything you might find interesting in this city and if you spend your entire visit with your head in the book you might miss something truly worthwhile.

That being said, it is a good idea to make plans according to your budget and the things you wish to see, I’m just urging you to leave room in that schedule for change. The Statue of Liberty is great, but it takes a while to get there and back. Could it be that you take some photos, buy some post cards and do two or three other activities that you could have enjoyed in the space of time it takes to get there and back? Plans are made to change whenever possible-especially while on vacation. I seriously recommend that you reserve two hours minimum each day to do something that you discovered rather than something you planned.

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