The TRAVELER'S JOURNAL: November sixteenth, questioning the value of vacation packages.

Inclusive package tours are supposed to offer savings, but do they? With volume discounts on flights and hotels, package tours often do average five to 20 percent less than independently booked itineraries using the same facilities. Similar savings apply to multi-destination escorted tours. Packages usually also avoid many hassles, and often provide amenities not available to independent travelers. Organized tours may also be the easiest way to visit places that are off beat, ecologically adventurous or require special equipment.

But wise travelers always make a point to find out what they're buying and from whom. The Internet can be great for inital research, but with so many shaky or shady outfitters, it still makes sense to work with a well established tour operator or travel agent. Before committing one cent, understand what you're paying for. Get and read all printed brochures cover to cover. Material from web sites can change and is less reliable. Caution's called for. There are more consumer complaints about package tours than any other subject.

If ever unhappy about any aspect of a tour while on it, ask the tour guide or hotel manager what will be done to correct the situation or compensate you. Both legally and practically, your best option is to work out the matter on the spot. Otherwise, document the experience with notes, pictures and receipts. Once home, write a letter to the tour operator and copy your travel agent. But keep demands within reason. No tour operator will give a full refund because one stop didn't meet your expectations.

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