If you are planning a spring break trip or other travel, consider tips found in the Federal Trade Commission's Consumer Alert, "Travel Tips: How to Gear Up for a Great Trip" (available at www.ftc.gov ).

The FTC reminds consumers that vacation packages should only be bought from businesses you trust.

Care is required when responding to unsolicited mail, email and faxes offering deeply discounted travel packages.

In addition to checking out businesses, check out vague promises. For example, what is really meant by a "five–star" resort or a "luxury" cruise ship?

Get all terms and conditions in writing, including all promises made and cancellation and refund policies.

Confirm travel arrangements directly with the airlines, rental car companies and hotels you plan to use.

If you are offered travel cancellation insurance, make sure the product you're being sold is a licensed insurance policy. The U.S. Travel Insurance Association offers information on travel insurance and insurance companies ( www.ustia.org ).

Using a credit card provides the protection of federal credit card law. However, protect your personal financial information and give information only to businesses you've verified as reputable.

Ask questions and understand the terms for membership in any travel club, including club cancellation policies. Free trial memberships may end up costing money, if you do not understand program requirements.

Be careful of claims that you have won a free vacation, with a request for a credit card number as verification. You should not be asked to pay for a prize.

Opinions are solely the writer's. Joseph Pellicciotti is a lawyer, professor, and vice chancellor at Indiana University Northwest.