In these uncertain times, cruise bargains are being offered on nearly all ships -- a trend likely to last at least throughout 2009. Even the top luxury lines this year have offered fares of 60 percent off, free airfare or onboard credits. Some contemporary lines have offered fares for as little as $50 per person per day.

To find deals, sign up for e-mail alerts from specific cruise lines and websites like SmarterTravel.com.

Before you book, search out an experienced travel agent who frequently cruises on the lines you think you would like; they often can find discounts that aren't available online. Make sure it is someone who will listen to what you want -- and not just tell you what they like. A good agent should ask plenty of questions about your interests and needs.

-- JANE WOOLDRIDGE