About a year <a href=" http://www.markbrucecompany.com/index.php/vimax-025#surrounding ">vimax lot 1212</a> Astor recommends dividing expenses into those that are mandatory versus discretionary, and he cautions that those categories will vary by person. For him and his wife, for example, travel is an essential and much-valued part of their lifestyle. They take pains to mitigate the cost of their adventures by using hotel points, cashing in on frequent flier miles and planning ahead. "The earlier you plan, the more options you will have," he says, adding that he frequently books trips almost a year in advance. Astor and his wife have visited Bali, Australia and South Africa in recent years; they have plans to take a cruise to Borneo in November.