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Uncharted territory

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Trips like that can be as inexpensive as $399 per passenger for a week. Sometimes you’ll be starting out in cold weather, but a day later, it’s usually warm, he said.

If you’re more ambitious, you can fly to Florida and take off for a 68-day cruise through the Panama Canal and around Cape Horn. Those typically start as low as $10,000 per person, he said.

Or if you’re really ambitious, you can set out for a 115-day journey that will cost you $18,000 and up.

Having the time flexibility that comes with retirement can give you the chance to wait for good specials to pop up, usually close to the date of departure, Pruitt said.

Cruise lines don’t like to leave without being full, so they tend to release discounts late in the game, she said.

That said, it’s good to book early to get the best price, she said.

If it drops later and there’s still one available, she will grab it for you, she said.

For those looking for more relaxation than adventure, there’s always all-inclusive resorts, Pruitt said.

And for those who prefer plane nor boat, or those who have less money to spend, there are always drive trips like Myrtle Beach, New York or Washington.

Not that you’ll need one for Myrtle Beach, but remember to leave plenty of time to apply for a passport, typically four to six weeks, she said.

Should you wish for a more permanent arrangement, it’s a great time to buy a vacation home, said Chris Kavanagh, associate broker with Caldwell Banker residential brokerage in Bethany Beach.

Homes in communities in his area and elsewhere are selling for well below what they were a few years back, he said.

You can put less down and get a better financing rate on a single-family home rather than a condominium or town home, he said.

Luxury homes have been selling quite briskly, even as the middle end of the housing market has remained sluggish, he said.

“The people who have the money are definitely jumping in,” he said.

But for those who simply want to get away on a vacation, Sands recommends working with a travel agent, for more reasons than just a helping hand in the planning.

The agent has ideas and experience, she said. AAA provides a point of contact once the trip begins in case anything goes awry, she said.

That, Gravett said, is a good reason to take out travel insurance. Gravett said it usually covers you if you get sick and need treatment abroad, if you need to be evacuated, even if you simply miss your connection. Under some conditions, it will cover the cost of your trip if you have to cancel at the last minute, he said.

It doesn’t cost much more, he said.

Rottblatt, who works out of Lima, Peru, agreed travel insurance is a great idea.

“People dream for many years about finally getting to visit Machu Picchu or someplace else. You don’t want anything else to interfere with that,” he said.

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