Tuesday, January 26, 2010

Decoding Bargain Holiday Packages

Ah January, that long month after a festive holiday season that turns to the blahs, especially here in the northern climes with the subzero temperatures and blowing snow. So to keep ourselves sane and to get through the workday we turn to planning vacations. However in this economic clime one has to budget smartly, so a lot of people turn to the old standby “Package Holidays” to save money.

Package holidays are simply holidays where the travel operator offers the whole trip, including the flights, hotels and in some cases the transport when you arrive at your destination. Bearing this in mind, a lot of the tips for getting cheap flights will be the same as they are for package holidays. Having said this, there are some specific ways of bagging a package holiday bargain.

The reason that many tour operators offer such cheap deals for packages is because they buy a certain number of flights and hotel rooms which they then try and sell throughout the year. By definition, they will have more possible holidays during peak season, but then there will also be greater demand meaning that the bargains may not be what you would hope.

Last minute package holidays are readily available if you are not fussy about destination and can wait until the very last minute. If you simply want somewhere hot, tomorrow, you will almost certainly bag a bargain; if you want a specific type of destination or resort then you may find that you are not able to get that last minute deal.

Optional extras are big business for package tour operators and they will often make most of their profit from these extras such as insurance, excursions and transport at your destination. Whilst these will often be available elsewhere cheaper, you may find that purchasing these from your package holiday operator will allow you to negotiate a discount on your holiday. You may even be able to get a ‘free’ extra if you agree to book on the spot.

Another thing to bear in mind is that accommodation is not the expensive part of the package and you will sometimes find that a package holiday to a particular destination will end up as a cheaper alternative to trying to book flights on their own. Last minute package deals are often so cheap that you can take the point of view that even if you hate the accommodation you can always phone around for your chosen hotel. On a similar note, the best bargains are often those that are classified as ‘allocation on arrival’. This simply means that you will be allocated accommodation when you arrive.

Some operators offer a halfway option where you will be told the resort, the type of hotel or the grade but the final selection will be done when you arrive.

Sure these might sound a bit cheesy, but if you want to go to an unfamiliar destination, this could be your best option to travel. Once there, you can freelance as you wish.

Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.

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Tuesday, January 5, 2010

Does The IRS Owe You Money?

Unclaimed IRS refunds:



Within the past few years, the IRS had over 88,000 income tax refund checks totaling more $75 million returned undeliverable. That is an average of more than $750 per return went undelivereable due to unreported changes of name or address or due to a marriage, death or divorce. Could one of those undeliveed income tax refund checks belong to you?

Actually that is nothing, small potatoes, additionly, each year approximately $450 million dollars in IRS refund checks are delivered but are uncashed. That totals over one half a billion dollars annually in unclaimed Internal Revenue Service (IRS) funds. Now if you think the IRS owes you money, you can call their toll-free assistance line at 1-800-829-1040 or visit their web site at http://www.irs.gov/. However, if you have had dealings with the IRS before, you know navigating that bureaucracy can be somewhat daunting.



According to the Internal Revenue Service, there is more than $2 billion in unclaimed refunds awaiting over 1.7 million people who failed to file an income tax return in the past few years. Unfortunately there is a statue of limitation on collecting late filed IRS refund checks. In order to collect the money, a return must be filed with the IRS office no later than three years following the year in which the return was due to have been filed. The IRS estimates that about half of those who could claim refunds would receive on average of $600 or more. Some individuals may have had taxes withheld from their wages, but had too little income to require filing a tax return.



In cases where a return was not filed, the law provides most taxpayers with a three-year window of opportunity for claiming a refund. If no return is filed to claim the refund within three years, the money becomes property of the U.S. Treasury. For 2006 returns, the window closed on April 15, 2010. The law requires that these returns be properly addressed, postmarked and mailed by that date. There is no penalty assessed by the IRS for filing a late return qualifying for a refund.



Accessing database and information that contain the 100,000's of unclaimed or undeliverable IRS refunds from the past 3 years is something you can do yourself if you have the time and knowledge. If you do not, we can aid you with resources that offer access to these refunds for many localized regions to assist you.


Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.


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