Passport Not RequiredWritten by Kimberly A. Griffiths
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They have been running educational travel programs for over 25 years. From personal experience, I'm here to tell you that I'm a bit jealous of stories my parents share upon return from their wonderful adventures domestically and internationally. Depending on where you live, there is even a commuter program so you can learn all day and sleep in your own bed at night. The Elder Hostel now offers a new catalog for their 2003 programs specifically for North America entitled "United States and Canada." Here is how to reach Elder Hostel for more information: Toll-free: 1-877-426-8056 website: www.elderhostel.org email: Website@elderhostel.org

This is an excerpt from ONE PAYCHECK AT A TIME, www.onepaycheckatatime.com, by Kimberly A. Griffiths, ISBN: 1591133327. ONE PAYCHECK AT A TIME, a 200 page workbook, contains budget management exercises for an entire year of paychecks. The author, Kimberly A. Griffiths, has been through the vicious cycle of debt herself, and provides a no-nonsense system to managing your money paycheck to paycheck.
| | Stay in the embrace of nature at Ratanakiri, CambodiaWritten by Sompong Sritatera
Continued from page 1 Places to visit and things to see: Ratanakiri is a large province and almost all of areas is covered by forest, and uninhabited. This reveals that natural resources and ecological systems are largely remaining undiscovered and undisturbed by man. Something that many are worried that if no timely and appropriate measures are enforced, similar thing may take place as those in Cambodia neighbors over-exploitation and subsequent degradation (or even extinction) of natural resources and ecological systems. In order to help Cambodia to be able to keep this cradle of ecosystem, we therefore urge all visitors, including our guests, to keep in mind of this fragile resources, and hence apply ecotourism approach when visiting province. The following are some of places that should be visited. Of course, there are many things in many places of Ratanakiri that awaits your discovery.

Title: Manager,Yaklom Hill Lodge Age: 42 Nationality: Thai Contact: www.yaklom.com Experience:
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