[First, don't respond to an offer right away, especially if it's from someone you don't know.] One of the earmarks of fraud is urgency, ... Any tendency to push should raise suspicion. They'll say, 'Don't think so hard... follow your gut.'

Many overseas tourists discover New Zealand on their way to Australia and wish they had budgeted more time for it, ... New Zealanders are a friendly, relaxed people. They welcome visitors and enjoy sharing the country's beauty and lifestyle.

The greatest friend of con artists is lack of knowledge.

Con artists love an environment of trust, ... and insurance agents already have the trust of older people.

Realtors should be all over this. It's a good product.

Before booking a trip at any time of the year, ... ask if there is a public holiday weekend or school vacation during the time you wish to go. Avoid it if possible, or make firm plans well in advance.

Queenstown is such a hub of outdoor adventure activity in peak season, ... It offers spectacular scenery for the photographer, awesome hiking trails, cosmopolitan restaurants and cafes, and a large variety of accommodations to suit all budgets.

Even if it's a relatively small investment, these decisions are very important.