Travel resources

For most cruises, resorts and packages, no; suppliers pay Keith a commission and you pay the same price as booking direct.

When a flight cancels or a resort isn't what the photos showed, you're on hold with a call center; with Keith you get someone who has seen these places and handles problems for you.

Strongly recommended; U.S. health insurance often doesn't work abroad.

Cruises 9-12 months, winter golf 3-6 months, Aruba peak season (mid-December to April) 4-6 months.

Yes: rooming lists, payments for each person, one shared itinerary.

Deposit to hold space, final payment 60-120 days before travel; payments go directly to the supplier through secure systems; Keith will never ask you to text or email a card number.