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.