Taveuni Palms, Fiji:Whether you are on your honeymoon, celebrating a 50th anniversary or just looking for a resort that is romantic. This is the place to travel,relax and enjoy.The Taveuni Palms in Fiji is an intimate retreat offering two private guest houses, a secluded sandy beach, and even a freshwater swimming pool. The island has many spectacular things to offer, such as scuba diving, kayaking, snorkeling, hiking, and many other vacation activities.The Taveuni Island has always been known for its unique and colorful sea life, tropical fish, and amazing varieties of soft and hard coral. The Rainbow Reef, Great White Wall, Purple Wall, and Zoo dive sites are all within easy reach of the Taveuni resort.The Great White Wall reef offers a tunnel with two exits, one at 33 feet and another at 88 feet. When you swim through it, you’ll notice a white glow that is given off by the soft corals that seem to surround you.You’ll also find two dive centers that are minutes from Taveuni Palms, which offer you dive equipment and certified diving instructors. From beginners to expert divers, you can have a lot of fun scuba diving on your beach vacation.Rooms and suites The two separate beachfront villas at Taveuni Palms in Fiji come with their own staff to help make your vacation a bit more relaxing. The staff will make your dreams come true, as they offer full room support.Each separate villa offers a pool, two bedrooms, a fully equipped kitchen, two bathrooms, and a very unique indoor/outdoor bathroom. The outdoor deck is equipped with chairs so that you can spend time outside as well, taking in the surrounding views of the ocean. The spectacular sunsets will turn into tropical nights – with stunning starlit skies.Your personal maid at the villa will provide you with daily cleaning service, laundry service, fresh flowers, and evening turn down. The maids here are very professional, making your stay at the Taveuni Palms in Fiji one you’ll remember for years to come.The resort will also provide you with your own private chef, kitchen, and bar staff who will provide your daily meals, which are included in the cost of your stay. This way, you don’t have to eat out – your food will be prepared for you at the resort.Traveling and Getting to Taveuni. To get to Taveuni Palms, fly to Nadi International airport in Fiji. From there, catch a connecting flight to Taveuni Island where the Taveuni Palms staff will meet you at the airport, five minutes from the hotel.Of course, wherever you travel, it is highly recommended that you take out travel insurance before embarking on any vacation. Unfortunately, without insurance, you have little recourse if you have to suddenly cancel your trip due to illness or other unforeseeable circumstances. Realize that resorts like this will expect to be paid no matter what. However, with travel insurance, you can recoup some or all of your costs if travel and vacation plans change. Travel insurance is very affordably priced, so please check out your options.

What are the things that come to mind when the Christmas season is near? Gifts, entertainment, travel-anything and everything that necessarily requires you to shell out not just a few bucks but even the entire contents of your bank account. But that’s when you’re lucky enough to have some money stashed away in the bank. For most people, it can mean overusing their credit cards leading to outrageous credit card balances even before the holiday is over.You may think that talking about your credit score during Christmas when everybody should think of happy thoughts is out of sync. It is. However, it is better to be aware of how your credit rating is doing even before you have the chance to spend your entire life’s income for one season alone.Christmas is the great time to travel as long as you do not go overboard when spending cash or worse—using your plastic. Despite the fact that majority of Americans are open to the idea of spending less during the holidays, a National Retail Federation survey shows that the average American individual projects to spend at least $817 for shopping, travel and other Christmas-related expenditures!Americans have become so dependent on plastic that their total credit card balances amount to over $600 billion. This propensity to spend more and incurring holiday debts is evident with a 2003 survey conducted by the Consolidated Credit Counseling Services, Inc. which shows that at least 54% of those who have incurred Christmas debts during the previous Christmas were still paying off their credit card balances by November 2003.If you don’t want to be included in those statistics then here are some budgeting tips to keep your holiday travel and entertainment expenses under control.Plan Ahead.You worked so hard the past year so you deserve a break, probably during the Holiday season. While holiday travel is good for your self esteem and physical well-being, it is best to plan your trip ahead to get as much savings from airfare and hotel reservations. Airlines and hotels provide discounts for clients who book and even pay ahead of time. The amount you save can be used for other expenses during your trip.Save for your holiday travel and entertainment expenses.Go ahead; go to your favorite destination during the holidays. Entertain your friends and family during Christmas. But make sure you are financially prepared for your travel and entertainment expenses as well. Saving at least $100 each month and putting the amount in your holiday travel and entertainment kitty will allow you to travel and hold parties during the Holidays without breaking your bank account or adding up to your credit card balances.Try a potluck party.If you must entertain friends or family during Christmas, why not hold a potluck party where each guest bring his own dish to be shared with everyone? This way, the whole group shares in the entertainment expenses and you avoid overspending and incurring holiday debt.Choose bargain holiday travels.Holiday travel can be expensive considering that this is the time when most people would spend money for just about anything and the resorts and airlines will surely be cashing in on this. However, you can get freebies or even discounts if you go on a holiday travel a day before Christmas or even before vacation time.Set a budget and stick to it.Know your financial status and make a travel plan or entertainment plan based on that. Once you have a desired budget, stick to it to avoid holiday debt and a possible negative credit rating due to unpaid credit card balances. It is ideal to list all the possible expenses as a consequence of your holiday travel and tailor-fit such expenses to your budget.The way you spend your money or use your credit card (along with other factors) will determine your credit score. The higher your credit score is, the more attractive you are in the eyes of creditors. You have time to prepare for your holiday travel so why not allocate money for such purpose ahead of time? It is better to develop good budgeting skills and keep your credit ratings high in case you need credit for more important matters when the holiday is over.