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Whether you own or rent, make sure you are insured!
I had a friend who spent $10,000 on studio equipment and video surveillance, and had it all stolen 3 months after he opened. I asked him if he had insurance and he said no, because he didn't own the building. I wanted to cry for him. Had he purchased a renter's policy, for as low as $12 a month and a $500 deductible, he could have had his ten stacks' worth of equipment recovered.
If you rent, don't make the incorrect assumption that the property owner's insurance covers you against theft, fire, weather damage or liability. IT DOESN'T.
If you own, you should have a homeowner's policy already, but read the fine print for what you are protected against.
Living in your parents' basement or on your cousin's sofa? Go get one anyway, just in case BayBay decides to stick his jelly sammich into your CD burner and that shorts out your amp.
When choosing your plan, keep these points in mind:
Property coverage does not always include contents coverage. Property coverage protects the structure, content covers your STUFF. Be sure to have both.
Have enough coverage but don't buy more than you need, and review your policy every so often to make sure your coverage is adequate. Make adjustments for inflation and new purchases. For example, if your policy covers $10,000 worth of equipment, 3 years later that equipment could cost you $15,000 to replace. If you haven't reviewed and/or adjusted your policy, you'd still have to come up with the 5K difference - as well as the deductible.
Be realistic about how much deductible you can afford. It may cost you more in your premium, but when it's time to cash in, that deductible will make a world of difference. In 2006, I lost all the televisions in my place and the ethernet wire shorted out due to lightning. At the time there was no grounding plug on the outside of the building and no one wanted to take responsibility. I had insurance, but my deductible was $500. I think I paid all of $300 for the TVs (maybe not even that much since I'm not one for HD or flat screens and picked them up from Walmart). In that instance my policy wasn't worth the paper it was written on, not because it wasn't a good one, but because there was no way for me to redeem it.
Make sure your liability coverage is adequate. The UPS guy trips and falls on his way to your door because he didn't tie his shoestrings; your friend is visiting and her rowdy kids break a neighbor's window; your upstairs neighbor has a pipe burst and your ceiling comes in; someone leans back too far in the chair while at the boards and hurts their shoulder. Guess who's responsible for the clean up and damages? YOU. Even though none of these scenarios are directly your fault, you could be responsible for fixing them because they happened on the property you own or are leasing.
Inventory your stuff. The traditional method is to have a list of everything in your house complete with full description, quantity, serial numbers, and the date and price of purchase. These days it's a little easier because you can take digital pictures of everything and make your list at your convenience. But you still need your list. When you're taking pictures make sure you have a front, side & rear shot of large items, along with a wide and close up shot of the serial number. Keep the files together on your computer, a backup source that includes a flash drive or CD/DVD, maybe a printed file stored at another location, but also one that you can upload online and retrieve when you need it ; I suggest compressing them into a zip or rar file to reduce upload time.
I prefer multi-location insurers as opposed to just the local one. These days though, you can get discounts on renter's and home insurance at the same place you have another insurance policy. Some insurers also offer discounts if you pay 6-12 months at once. My coverage heavy policy costs me $256 for the year, with a $500 deductible, and I am about to lower my coverage and my deductible, so my payments will be the same but in the event there's another lightning strike, getting a check won't be as elusive. They can't compete with my car policy premium though, so I deal with different insurers.
So there you have it. Go get yourself covered!
Toodles! Mizz Rikki
If you decide to take a cab to your Strip hotel, be sure to tell the driver "don't take the freeway." Some less-than-honest cab drivers will take a round-about freeway route which will raise your fare from less than $15 to over $20.--------------------------------------------------------------------------------Remote Check-InIf you're staying at Ballys, Caesars Palace, Flamingo, the Hilton, MGM Grand, New York New York, or Paris you can check into your hotel at the airport while you are waiting for your bags in the baggage claim area of Terminal 1.There are two offices with registration desks just off the "Carousels 1-8" area. One handles check-ins for MGM Grand and New York New York (9 am to 11 pm), while the other handles check-ins for the Park Place properties (all the others mentioned above - 9 am to 1 am). You register and get your room key there and when you arrive at your hotel you can go straight to your room.The location of these remote hotel registration desks are shown on the ground transportation diagram on the Diagrams page.--------------------------------------------------------------------------------Late Check-OutCheck-out time at most hotels is noon. However, most offer a "late check-out" option for a price. If your flight doesn't leave until the evening, using this late check-out option can give you another all-nighter at the tables or another day of sunning out by the pool. Simply ask a front desk clerk for check-out times and costs.If you have a players card for the hotel because you were getting your play rated, ask about getting this late check-out as a comp.--------------------------------------------------------------------------------Good Hotels for....Vegas hotel room prices can fluctuate wildly. Prices depend on how many conventions are in town and how big they are. The big computer convention, Comdex, hits town close to Thanksgiving and it's almost impossible to get a room while it's there. Weekends with big sporting events like the Superbowl (January) and college basketball's "Final 4" (March) will also see a shortage of rooms. If you check room prices and they're high, check the prices for the following week or weekend. They very well could be lower. Rooms are also always higher on Friday and Saturday nights. Monday through Wednesday nights are typically the lowest (again, providing there's not a big convention in town). However, most limited engagement performers only have shows on Friday and Saturday night.In addition to the normal "rack rate", most places also have a reduced "casino rate" for those who patronize their slot machines and tables. You may even be able to get your room for free. See the Getting "Rated" section on the Gaming page for information on how to take advantage of that.If you want to splurge on this trip and pamper yourself, get a room in the Palace Tower at Caesars Palace. Most of these rooms have two bathrooms, each having both jacuzzi tubs and showers. If the Palace Tower rooms at Caesars are all booked, try the all suites Venetian with their sunken living room areas.If you're on a budget, the Imperial Palace is your best bet. It's not the fanciest place in town but its' mid-Strip location, reasonable room rates, and low table minimums make it a great value. I really like the fact that they have walk-out balconies. Nothing like sliding open that balcony door and enjoying your morning coffee with a warm desert breeze blowing in. (The dinner buffets aren't all that great but the dealers are very friendly and helpful.)Be careful what you ask for. It's temping to ask for a room with a view of the Strip. However, at the Imperial Palace, the rooms with a view of the Strip are right above Harrah's outdoor carousel stage. This stage has music from noon until 2 a.m. and closing the balcony door doesn't help. If you plan on trying to sleep in your room during these times you'll want to tell them you don't want a Strip-view room at check-in. However, if you don't mind the music, the Strip-view rooms on the upper floors will give you a view of both the Mirage volcano fountain and Bellagio fountain show from your balcony.If you don't want to splurge but you're not on a budget either, there are numerous options available to you. Bally's, Mirage, Monte Carlo, and Paris, are just a few. Your choice could depend on price, location, or amenities. If you're trying to decide on one of several candidates, you may want to check out the comments from past visitors on the Las Vegas On-Line Website.If you're taking kids along, check out Circus Circus, Excalibur, and Treasure Island. If you're taking kids along and you're on a budget, Circus Circus usually has the lowest rates of the three.--------------------------------------------------------------------------------TippingCustomer service positions are historically low-paying jobs and Las Vegas is no exception. The people you interact with count on tips for a decent living so don't forget them while you're on your trip. They often get stiffed or are treated rudely when people take their lousy luck out on them. Some tipping guidelines:At the Craps table: When the shooter's point is a six or eight you can throw a dollar chip down on the layout and say "Hard six for the boys" or "Hard eight for the boys". It's a dollar bet that pays $10 if the next six or eight is thrown "the hard ways" (as doubles) and it's a way to not only tip the dealers but get them into the action. (Note that if the number your hard bet is on is shot easy, i.e. not as doubles, the dealers don't get the dollar, the house does, but the dealers still appreciate your getting them in the action.) Another way to get the dealers in on the action is to place a chip next to your chip(s) on the Pass Line. This is a Pass Line bet for the dealers. When you do this, the stickman will often say "Dealers on the line". Another alternative is to simply throw about 5% to 10% of any winnings down on the layout "for the boys" as an out-right tip when you're ending your session.At the Blackjack table: Tip the dealer a buck or two out-right (when playing $5 or $10 hands) if they deal you a "natural" (ace and a ten-value card). If the dealer has been dealing you a good percentage of winning hands, occasionally place a $5 chip on the layout between your bet and the dealer. This is a bet for the dealer getting them into the action. You can also do the "end of session" 5% to 10% thing mentioned above.If you like playing the slots, ask the slot attendants (located in the center of a large carousel of machines) or roving change attendants which machines are "loose". They're around those machines all day and have no problem helping you get some of the boss' money. But be sure to tip them if you walk away a winner.Cocktail Waitresses: Drinks are free while you're gambling. Give the cocktail waitress a $1 chip or $1 slot coin each time she brings you a drink.Shuttle bus drivers: The standard for airport shuttle bus drivers is $1 or $2 a bag.Tipping drivers of the free shuttles which run between hotels is at your discretion. They often have a cup near the front of the bus for the tips.The shuttle bus drivers for the various off-Strip activities will often return you directly to your hotel rather than to the central pick-up point so tipping them for this time-saving service would be appropriate also.Bellman: $1 to $2 a bag is the norm.Maid: Leave a $5 tip each day, especially if you shower each day which involves extra effort on the maid's part. Some guides say to leave one large tip at the end of your stay but I feel this is unfair. You may have several different maids during your stay due to their work schedules and assignments, and your tip could go to someone who didn't touch your room while you were there. Plus doesn't it make more sense to reap any benefits of your generosity (such as extra towels, etc.) while you're still there ?Room Service: $3 to $5 depending on how fast you get your order. Either write "Tip=$5." on the room check or they'll gladly take a chip from the hotel's casino.Buffet waiters/waitresses: The buffets usually have waiters or waitresses bring you your drinks, and refills are no problem. Tip $2 to $5 depending on how attentive they are.Don't try and hail a cab in front of a hotel/casino. The cabbies will only respond to doormen. Get your cab through them and tip them a buck or two (more for more people).Cabbies: 15% is the normal rate but you may want to add a couple bucks if you ask for advice on a good place to play or eat.If you're driving, valet parking attendants usually get $1 to $3 depending on how fast they are.If you're taking a commercial (non-charter) flight and things are so busy at the ticket counter that a sky-cap takes care of checking your bags at the curb, tip them a couple bucks per bag for speeding you to your gate.--------------------------------------------------------------------------------Free GuideWhat's On is a free magazine that lists (in most cases including times and cost) all of the shows, buffets, restaurants, shopping malls, recreation areas, etc. as well as contains plenty of ads for all of the helicopter and ground tours, sky-diving, glider rides, and oodles of other activities available in and around Las Vegas. Hoover Dam, Red Rock Canyon, the Grand Canyon, and Death Valley are popular tours as well as local tours. It also contains numerous coupons for shows, restaurants, and other activities that can add up to quite a savings.Hoover Dam TourIf you are planning on visiting Hoover Dam, do not take a car. Take one of the tour buses as efforts are made to get them in and out faster and traffic near the dam tends to be very heavy. Early morning is the best time to go to try and beat some of the rush. Also, for security reasons no purses, camera bags, pouches, backpacks, or any other bags are allowed on the tour so leave those in your hotel room.Copies of What's On are sometimes hard to find. Ask your hotel's concierge or front desk for a copy. There are racks with copies in different areas. On my last trip, racks were located in the Excalibur tram station and in the Desert Passage inside the Aladdin.--------------------------------------------------------------------------------Shoes & WaterBy far, the single best piece of advice I can give you about visiting Las Vegas is this:Bring along soft, comfortable shoes !You'll be glad you did. The resorts are huge and there is so much to see and do. Even with all of the trams, shuttle buses, limos, and taxis, you will do a lot of walking and nothing will dampen a good time faster than sore, blistered feet. Plan ahead. If you don't have a decent pair of soft, comfortable shoes and you need to buy a pair, do so several weeks before your trip and wear them frequently so they get "broken in". If you're not used to doing a lot of walking, you may also want to bring along some foot powder to help keep your feet dry and reduce chafing.With even moderate walking you lose more fluid than you think due to the dry air (which makes your perspiration evaporate fast). Your next best friend to soft, comfortable shoes is water. Drink plenty of it. If you start to feel "not quite right" after a couple days you could be getting dehydrated. If so, buy a couple bottles of water (not juice or soda), drink them both down, and then lay down for an hour or two to let your body re-hydrate.--------------------------------------------------------------------------------How To Be SafeThe Las Vegas Strip is one of the safest places in the country. I have routinely walked the Strip at 3 or 4 in the morning without so much as a panhandler approaching me. However, every city has it's criminal element and you should take steps to protect yourself from it. In addition, due to attraction of the large volume of tourists, the thieves can just as easily have come in from out of town on a "business trip", staying at a hotel, as local residents. This doesn't mean you should be afraid or limit your activities. Just follow the same simple common-sense steps you'd use when visiting any large city.A large crowd of tourists, money in their pockets, jammed together focused on the Bellagio Fountain Show or one of the other attractions, is enough to make a pick-pocket drool. ALWAYS be mindful of your purse or wallet. Keep your valuables well covered and don't drop your guard while checking out the attractions, gambling, shopping, at a buffet, at the pool, or even walking down the sidewalk. Shopping bags are nice but they're usually wide open at the top. You're better off with bags that you can fold the top over.Always use the additional dead-bolt lock when you're in your room. As fast as new key-cards and electronic locks are developed the thieves find a way to thwart them. Don't leave large amounts of cash or valuables in your room. The hotels will keep them in their safe as a free service. Moderate amounts of cash should be locked in your suitcase. The vast majority of maids and maintenance workers are honest, hard-working people trying to make a living. However, the only way the occasional "bad apple" can come to the hotel's attention is after guests have been victimized.When in a hotel/casino lobby or at the airport, always keep a hand on your luggage or set it in front of you. It only takes a second for a suitcase or bag to disappear. Thieves like busy places where people are rushing around. Hotel lobbies, casinos, and especially McCarran Airport, all fit this profile.Whatever you do, don't try to walk from the Strip to Fremont Street (or visa-versa). It's no "leisurely stroll", and you pass through areas where there are not a lot of people, even during daylight hours.When you are walking, use the crosswalks. Jay-walking in Vegas carries a $95 fine. And when you're at the crosswalks, wait for the "Walk" light and don't step too far off the curb while you wait. The locals really fly down Sands, Flamingo, and the other streets that cross the Strip and the traffic lanes are close to the curbs. (The pedestrian bridges at Flamingo and Tropicana are helpful in this respect.) I've seen numerous posts in Las Vegas newsgroups which said that car/pedestrian accidents around the Strip happen a lot more often than the Convention and Visitors Bureau would like to admit. And often the people driving the car are themselves visitors with a rental who are sight-seeing while driving. Whether walking or driving, be extra careful around the Strip.You should always bring along a photo ID with your current address and something with your name and social security number on it. The IRS requires the casinos to get this information if you hit a jackpot at a machine or do extremely well at the tables. However, don't carry the document bearing your social security number around with you. If your name, address, and SSN fall into the wrong hands you could become the victim of "credit identity theft". (You shouldn't carry your Social Security card in your wallet or purse at all anymore because this applies everywhere, not just Las Vegas. Also check any health insurance cards or school IDs you may have in your wallet. They also often have your SSN on it.) Leave your SSN document in your room, locked in your suitcase. If you do hit it big, the casino will be glad to hold onto your winnings while you go back to your room to get the document.--------------------------------------------------------------------------------Pack & ShipWith all of the stores and souvenir shops it's easy to end up with more items that can fit in your suitcase. Or you may see a larger item that you'd like to buy but don't want to have to lug it back on the airplane with you.Luckily there's a UPS Store in the back of the Flamingo right next to the escalators going to the monorail station. They can box up and ship just about anything.They're open until 7 pm weekdays and 5 pm weekends but if you want your package to go out the same day be sure to get there before 5:00. They also offer fax and copy services.A tracking number for your shipment will be printed on your receipt. However, in order to use this tracking number to check the status and location of your package you have to go mbe.com (due to their Mail Boxes Etc. lineage), not the UPS Website.--------------------------------------------------------------------------------Getting Theregottitravel.com Vacation charter packages (air+hotel) are typically your best bet for your best price for a Vegas vacation. Whether going with a charter package or booking a flight on a commercial airline, keep in mind that much of the cost depends on your point of origin, and driving to a larger airport an hour or two away could save you a lot on the price of a package or airline ticket.If your looking for a package for a "long weekend", choosing a package with a Saturday departure and Monday return will often be cheaper (sometimes significantly cheaper) than a package with the more traditional Friday departure and Sunday return. For longer stays, choosing packages that don't include the higher-priced Friday and Saturday night hotel stays may also lower your package cost.--------------------------------------------------------------------------------Smut PeddlersAt various places on the sidewalks along the Strip you will encounter people working for an advertising service trying to hand you brochures and cards which advertise escort services, "massage" parlors, and other sexually-oriented services. The owners of these adverstising services have defeated every legal attempt by the city of Las Vegas to stop or restrict the handing out of this material arguing that it is conducted on city-owned (public) sidewalks.Simply IGNORE the people handing out brochures and cards. Don't take anything from them and especially don't talk to them to voice your opinion of their activity. The advertising service owners hire the cheapest labor they can find to hand these things out which, in many cases, means the people trying to hand you these things don't speak English.The rules of business dictate that if enough people ignore the advertising it no longer becomes cost-effective and it will go away on its' own.--------------------------------------------------------------------------------
Grand Canyon All American Helicopter Tour;Take off from Las Vegas Airport on an exhilarating helicopter flight to the Grand Canyon. You'll enjoy a 45-minute helicopter flight each way, land deep in the canyon for a champagne picnic, and fly low over the famous Las Vegas neon Strip on your return. This is a half-day tour, leaving you with time in the day free to explore Las Vegas and Nevada at your leisure.Likely to Sell-out! The Grand Canyon All American Helicopter Tour regularly sells out weeks in advance, so book ahead to avoid disappointment!You'll discover the natural beauty of the Grand Canyon as your air-conditioned helicopter flies to the West Rim, passing over Lake Las Vegas, Lake Mead and the Hoover Dam en route. Hoover Dam is a spectacular sight from the air, curved between the rock canyon walls. During the flight, you can listen to a recorded commentary about the Grand Canyon and its surrounds via audio headphones.You'll land for an unforgettable champagne picnic, 3,200 feet (960 meters) below the rim. While you share a bottle of champagne under an authentic Native American Ramada shelter, your pilot/guide will be happy to answer any questions you may have about the canyon or your helicopter flight.Your Grand Canyon helicopter scenic flight ends with a low-level pass over the west side of the famous Las Vegas Strip. On landing, your limousine is waiting to whisk you back to your hotel.Please note, there is a maximum capacity of 6 people per helicopter plus your pilot.Ultimate Grand Canyon 4-in-1 Helicopter Tour;Take the ultimate Grand Canyon tour! You'll fly to the Grand Canyon by helicopter, cruise the Colorado River, then spend time at the West Rim. You also have the option of taking the brand-new Grand Canyon Skywalk for dizzying 360-degree views.Your Grand Canyon adventure begins with a limousine transfer to Las Vegas Airport to catch your 45-minute helicopter flight over the Nevada and Arizona desert to the Grand Canyon West Rim. The helicopter flight includes a commentary and major landmarks are highlighted along the way, including the Colorado River and Hoover Dam.Arriving at Grand Canyon National Park, you'll descend 4,000 feet (1,200 meters) below the rim to land by the Colorado River and take a 15-minute narrated boat ride. You'll then ascend to the Grand Canyon West Welcome Center and board a shuttle bus to explore the top of the canyon.You will then have around four hours of free time at the West Rim. Highlights include:The spectacular Grand Canyon Skywalk (if option selected) – take a walk over the edge of the canyon on a transparent glass bridgeEagle Point Indian Village, exploring Native American history and cultureHualapai Indian Buffet lunch, served at Guano Point overlooking the Colorado RiverAt the end of the day you’ll fly by helicopter back to Las Vegas, including a pass over the famous Vegas Strip. On landing your limousine will be waiting to return you to your hotel.Please note, there is a maximum capacity of 6 people per helicopter plus your pilot.Grand Canyon West Rim Air Adventure Day Trip from Las Vegas;Fly to the Grand Canyon West Rim by fixed-wing airplane, ride a helicopter beneath the rim, cruise down the Colorado River, then enjoy a barbecue lunch at the West Rim. You'll experience the Grand Canyon by airplane, helicopter, boat and shuttle bus on this full-day air adventure from Las Vegas!Window seats on the plane are guaranteed on the 40-minute flight to the Grand Canyon's West Rim. After your flight, you'll board a jet-powered helicopter to descend 4,000 feet (1,200 meters) below the rim to the canyon floor for a relaxing 15-minute cruise on the mighty Colorado River.After your boat ride you'll board the helicopter once more to ascend back to the top of the rim. Here you'll have time to visit the West Rim Welcome Center at your leisure, using the hop-on, hop-off shuttle bus which operates in the area. During the short trips between each stop, your driver/guide will tell you about the traditional land owners and the history of the park.Visit Guano Point for fantastic views of the Colorado River, and enjoy a casual barbecue lunch. Explore the Indian Village at Eagle Point to gain further insights into Native American culture. Or take an optional stroll on the spectacular Grand Canyon Skywalk (not included, approximately US$30), the newest attraction on the West Rim.Then sit back after your day of sightseeing on your return flight to Las Vegas, knowing you have experienced the Grand Canyon West Rim from all angles!Grand Canyon West Rim Self-Drive Hummer Day Trip from Las Vegas;See the Grand Canyon West Rim at your own pace and hire a Hummer for the day! You will be supplied with an interactive map, road games, and a full tank of gas. Once on the road, you can follow the map and learn about important sites along the way to the Grand Canyon.You will be picked up by complimentary shuttle and taken to the rental desk for assignment of your automatic Hummer for the day. When you hit the road, you'll pass Boulder City and Lake Mead, and see the incredible Hoover Dam. Watch out for bighorn sheep, wild horses and cows – and if you look close, you may see a snake crossing the road at the Joshua Tree Forest.You'll then turn off the road toward the Grand Canyon and enter Hualapai Land, where the second half of your adventure begins. You are free to explore Guano Point and Eagle Point at your leisure - no timetables, no schedules - its all up to you!Optional Activities:Grand Canyon Skywalk - Take a stroll on the Grand Canyon Skywalk, the newest attraction on the West Rim, for amazingly unobstructed views over the canyonHelicopter/Boat - Take a helicopter ride to the bottom of the canyon, then enjoy a 15-minute pontoon boat ride on the Colorado River!Grand Canyon West Rim Helicopter Tour from Las Vegas;Choose the helicopter tour that flies furthest and deepest into the Grand Canyon. You'll feel awe and exhilaration as you fly like a bird on the most extensive helicopter tour there is, taking you below the rim into the mysterious depths of the Grand Canyon.As you descend below the rim on your 90-minute flight, you'll be amazed by the majesty, brilliant palette of colors and rugged beauty of the Grand Canyon. You'll pass through millions of years of geological time, as the colorful canyon walls provide a remarkable record of the Paleozoic era, dating back from 250 to 550 million years and beyond.After leaving the Grand Canyon, other natural wonders unfold. You'll enjoy panoramic views of Hoover Dam, Lake Mead, Iceberg Canyon, the Valley of Fire and the Bowl of Fire. Your flight concludes with an unforgettable pass over the dazzling Las Vegas Strip.
