More low-cost and free travel ideas

              >> Buy trip cancellation insurance if you
         think a health or personal problem will interfere
         with your travel schedule. Premiums starts at about
         $4 per $100 of coverage.

              >> Cruise lines generally offer free passage
         to anyone who can recruit 10 to 15 paying
         passengers. You can also cruise free as an expert
         on a subject suitable for a lecture series. There
         is demand for ornithologists, historians, and
         experts on the culture of the country of a cruise
         ship's destination.
              Free cruises are also available to doctors and
         nurses willing to be on call 24 hours a day.

              >> To stay for free in Las Vegas or Atlantic
         City, bring $3,000 cash with you. The hotel or
         casino will keep this money in their safe and, in
         return, give you a room free.