Phone: 561.451.4511   |   Email: I

Testimonials

Kind words from our customers

 

I want to thank you for the fantastic job you did on our recent Viking cruise around Iceland. This trip was fraught with opportunities for hundreds of things to go wrong, but your attention to detail and planning ensured that all contingencies were anticipated. I’ve always been told about travel to expect the unexpected, but your calls, emails and texts helped prepare us for everything we faced. While we are experienced travelers, no one can consider themselves experienced in these pandemic times. You spent so much time and energy to make sure every detail was taken care of. Your work made our trip so much more enjoyable. I don’t know of any other travel agent that could have accomplished the miracles you did. What would we have done without you? Were it not for you, we would have canceled the trip any number of times. You are so outstanding. Thank you.

- Jeanne and Thom B.


We had drafted up an email to send you this afternoon on the train but fell asleep since we’d been having such a great time here! You are FABULOUS and everything has been incredible. 

We had a great time in Rome - the tour guides we had both for the Coloseum and the Vatican were absolutely incredible, we loved them both, and I know I said Nick wasn’t much of an art person but Fabi on the Vatican tour was so engaging and informative.  Our hotel was fantastic in Rome too! Our trip in Florence has already been amazing and we’ve been so kindly welcomed and taken care of by the hotel here.  We cannot wait for everything to come!! Thank you for setting us up so well for an amazing trip!

-Nick and Caitlyn H.


I am writing to you because I strongly feel that my travel agent, Giselle at Boca Express, deserves to be the recipient of gratitude, appreciation, praise and an effort "yo go above and beyond" the call of duty. In fact, when I received a telephone call from Giselle this mourning, and she was able to book the perfect cabin on The Crystal Round The World cruise, I was absolutely elated and grateful.  

On her day off, today, she made a telephone call to The Crystal Lines and was able to get me the Handicapped Room that I would need in order to travel. And then she called me.  I am so so happy that this lady went home and on her day off...was still working.  She took the time to think of me...and do work at home....for me...and then called  me as soon as she knew what she got for me!

In addition, so far, aall along the way, she has been aavailable and helpful; trying to make recommendations about varied issues that need to be decided when planning a Round The World Cruise; this is a 4-month decision, not an easy one.l

I would highly recommend Giselle as a very conscientious and caring person, a professional, who knows how to do her job and needs to let her know, by some INCENTIVE, how much she is appreciated by Travel Express.

Thank you so very much for your follow-up and providing the best of service.

- Barbara W


I want to let you know of the excellent customer service I had with Marcy Whalen. She made our vacation stress feee. The excursions and sediments she booked were excellent and beyond our expectations.  I would definitely use your services again.

The Reen Family
 


Stacey F. has assisted us plan three trips to the Walt Disney World Resort in Florida since 2017.  Stacey is an AmEx “Travel Insider” for Disney Vacations, and it shows.  Stacey has a breadth of experience and intimate knowledge of Disney Resorts, Disney Parks, Disney Restaurants, and Disney Springs.  Over the course of each vacation, Stacey has consistently curated a magical and bespoke travel itinerary and daily plan for our family that emphasized our ideas of fun and made it easy to generate wonderful memories for all of us.  Stacey took the time to listen to our objectives for the vacation, gave us thoughtful suggestions for things to try, took our feedback and generated additional ideas, and walked with us each month as the vacation approached to adjust reservations, FastPasses, and other details.  She has also remembered little details important to our youngest travelers and was so kind to surprise them with wonderful (and unanticipated) treats in advance of the trips. 

The first two trips to Walt Disney World were outstanding and the memories have carried us between trips as we planned for the next one.  The third trip to Walt Disney World was scheduled for summer 2020.  Due to the global pandemic, the trip had to be canceled and Stacey handled all of that without any issues.  Stacey has already been visiting the Parks to research and keep current on everything new going on at the Parks, and we cannot wait to re-book the vacation with her help.  Stacey can be trusted to go above and beyond to set you up for a magical Disney experience.

- Daniel & Family


Both my husband and I are grateful that we found Boca Express Travel when we started our cruising vacations. Stacey and Brian have been amazing in helping us navigate the cruising world. It has been a rough year, and even in these uncertain days, they helped us through our 2020 cruise cancelation and subsequent booking of our 2021 trip. You could not ask for a better group of amazing people to plan your vacations.

- Alpha and Joey M


I just wanted to reach out to you to thank Eva Salokar for all her help in my trips. She went way above the “call of duty” to help me with questions, etc. Also thanks to Roe for for travel bookings with AA.  I will be absolutely reaching out to Eva, Roe and their team in the future. 

- Jackie K


I’m a Boca customer and I’ve been dealing exclusively with Giselle since 2016.  My only regret is I didn’t find Giselle and your agency sooner.

Giselle is extremely helpful, thoughtful,  knowledgeable and friendly.  She always has suggestions for travel, often with her own personal insight, and I look forward to hearing from her either through email or by phone.

I have recommended Giselle to my family and friend for their travel needs, and I will continue to do so.

Thank you,

Dennis and Patricia B


My wife and I have been using Stacey at Boca Express Travel on the recommendation of a friend for the past several years We are not in the habit of writing reviews however we feel the outstanding service we have received required special comment. We have found Stacey not only easy to talk too but extremely knowledgeable with workable suggestions. She has also proven to be a valuable advocate when problems have been encountered during the recent times that required difficult changing of plans. Thank you Stacey

Dr and Mrs. Martin Wolpin


Lori is always a tremendous help making any travel plans. She quickly navigates the myriad options to provide the best overall choice. Lori is quick to respond and is extremely proactive as well. Lori is the only call I make when planning any type of trip.

-Viktor F


My husband and I have always used a travel agent.  Perhaps it's because when we began travelling years ago there was no internet.  You had to be a professional travel agent in order to use the special travel sites.

As internet increased access to information, we did try to do this on our own.  It seemed easy at first but with the onslaught of information and our increasing knowledge of what we wanted on a trip, it became tedious.  Too many sites, too much information and too many details to put together for success.

We met Stacey just as we were retiring about nine years ago, when she put together a destination wedding for a family member.  I had several conversations with her in the beginning and she immediately "got us".  She instinctively knew what we wanted and what we expected for our trips.

Subsequently, she has booked dozens of trips for us.  She is always available by phone or email even though we live states away from her office.  In each trip, she has made valuable suggestions and her input has made all our vacations special.

When my grandson had to have an emergency appendectomy when we docked in St. Maarten's, I called the emergency number.  Stacey's entire family got involved and made sure that we had everything we needed.  After we returned home, she filed all the travel insurance forms (ALWAYS GET THE INSURANCE!!!), and maintained communication with the company until we were fully reimbursed for our expenses.

And then came COVID-19!  We had two trips planned and Stacey made sure we were reimbursed and/or got the best deal for non-reimbursable deposits. She did it all!!  I just sat back and watched the money returned to my credit card.

We presently have a cruise scheduled (with fingers crossed) for October, 2021 and we are confident that if we need her to intervene, she will be there for us.

Thank you Stacey and Boca Express Travel for so many wonderful memories and hopes for things to come!!!

- Ed and Marie K


When I first traveled with BET in ’07,  I knew it was the start of great experiences.    
When I started becoming a world traveler, Giselle was the one who guided me in choosing cruises and trips that met my preferences. Over the past 5 years, she has been professional, personable and dedicated to making travel memorable and seamless for myself, a solo traveler.
This year of disjointed travel, Giselle has excelled in managing the intricacies of cancellations and refunds.  She has made me feel worry and stress free.  
I am grateful to have her “tool box”  of experience travel.  
I know you all have had a tremendously challenging year.  Giselle has won my respect and deserves a 5 Star rating.

-JoAnn R
 


Just wanted to let you know how great it was to deal with Marcy.  I'm in the customer service field and recognize great customer service when I see it.  Marcy took care of all our needs and made it an enjoyable experience.

-Gene Hornsby


I met Lori Kenner through American Express.  She is a fellow England lover!  Before the pandemic got under way, she planned a most wonderful trip, including two tours: London and Manchester, besides a tour of England to coincide with a trip I would be making for an investment I had made.  As Covid ran rampant, Lori was "on the ball" to make sure everything was going to plan.  And, when it was obvious to all that this whole trip would have to be cancelled, Lori worked her magic wand and I was refunded all my payments, including the airline.  She did this all conscientiously, happily, and always emailed me with the progress.  She made something not so fun, a lot easier to deal with.  I have very good news that my investment is a play that will be planning to open in London in May.  You can be rest assured that when I have all the details, Lori will be the first person that I call to get this trip re-planned.  I do hope you know what a gem you have in Lori!!

- Rosemary D.


Just wanted to say how great Marcy has been with my crazy travel plans. She helped my husband with the initial booking and she helped me with not one, but two changes! 

Being in the travel business, I truly appreciate what it takes and she was wonderful.

- Ronna L.


Plans for travel have been challenging and disappointing in the present state of our world. But with that being said a great travel advisor like Lori Kenner has helped our spirits. We planned a trip not knowing if it would really happen. It was to be an Alaskan cruise. Lori helped map everything out from airlines to hotels before and after the cruise. We were hopeful but with everything going on we have to postpone this dream right now. Lori has gone above and beyond to make sure deposits are refunded or airlines credited for our peace of mind.

- Peter F.


We are totally pleased with Stacey and the entire Boca Express team. She has always come through for us. We have had at least 5 trips rescheduled due to either illness or the pandemic. She has been amazing through all of it. We are looking forward to the 2 trips we have planned in 2021.

- Chip and Judie L


I’d like to take a few moments to discuss our experience with Carol Ann Liebman, our Preferred American Express Travel Advisor.

We knew, when we decided last year to book our very first trip to Italy, that we would ONLY call Carol Ann at the Boca Raton office. She had already helped friends of ours book their international trips, and they were all extremely happy with her.

This was to be the ‘trip of a lifetime’ and we scheduled it for this past May.

She worked diligently to book us on the best Mediterranean cruise, within our price range, at the best time, and with the most ‘benefits’. We were so excited!

Then Covid19 hit, and of course, the trip was canceled.

Carol Ann handled EVERYTHING. We didn’t have to do a thing! We were able to get most of our money back on tours, etc and we put the money on hold until she could book us on something else in the future...

We are now booked for 2021, on an even better itinerary, and really looking forward to, hopefully, going. But we also know that if Covid19 continues to be an international problem, we have Carol Ann to advise us and take care of of ALL our travel arrangements.

- Sharon & Jim P.


We have traveled with Lori extensively over the past several years.  She is a wonderful travel agent and person.  We have been all over the world and many trips have been arranged by Lori.  No request is too small or difficult.  She goes out of her way to accommodate us.  Whenever possible, she tries to get us the lowest airfare and spends a great deal of time making convenient connections for us.  She is always professionally prepared and it is a pleasure to work with her.  The service she provides is so good we have recommended her to many friends.  We wouldn't think of going with anyone else.

-Ru S.


I have been working with Eva for over a year now.  In fall of 2019, I reached out thru American Express travel for help in planning a family trip to Alaska.  I was introduced to Eva and have both spoken and emailed with her many times. She initially helped me plan our entire itinerary.  I was unfamiliar and she helped me with both the area we would visit and all the tours we would take, flights and car rentals.  I had told her I have 2 son’s (19 and 22) who like adventure and active trips and she gave me many options of tours and places we could go to. In my initial dealings with her, she was in process of moving to Florida and called me from her personal cell phone, when she was running errands, etc all while she was trying to move and set up a new office to work from.   I was extremely happy with her service and felt she went above and beyond taking care of her customers.  When Covid hit and we decided to not go and push back our trip to summer of 2021, she once again handled everything.  We currently are hoping we will be able to go this coming summer as we are really looking forward to experiencing the itinerary she put together for us.  I would definitely recommend Eva and also work with her in the future.

-Paola S.


Lori Kenner was a lifesaver when we had to cancel our family vacation to Japan this past summer.  She helped us pull together the vacation of a lifetime -- down to the last detail.  We knew that there was a good chance that the trip could be cancelled due to COVid, and sadly that's what happened. However, thanks to Lori's know-how and attention to detail, we purchased insurance that protected us and were able to cancel  the trip with next-to-no loss. What a relief since this particular vacation required a lot of pre-payments.

We hope to visit Japan when it is safer.  Without a doubt, we will be working with Lori again and using the amazing itinerary she helped us design the first time around. 

Her patience, professionalism and travel planning experience really made all the difference -- especially during this crazy time.  We will be working with Lori and Boca Express Travel for every trip we plan from this point forward.

- Donna C.


Good morning - We want to take a minute to brag on Eva S and her exemplary efforts to help us find and plan multiple cruises over the last 5 or so years.

With her help we have been able to visit some marvelous places and we are learning how to be more savvy in the small details about the ships and the deals. She was there for us when a hurricane squashed one plan, redirecting us and rescheduling. She has been there working to secure and reschedule a December 2020 cancellation, even while being in lay-off herself.

We surely appreciate her and have referred friends and acquaintances her way. We are now both retired and looking forward to enlisting Eva’s help for a stepped up travel plan. She’s is a joy to work with.

- Marcia M.


We have been using Lori Kenner and Boca for our cruises the last six years. Lori has been fantastic, very professional, and we would not consider using anyone else.

We live in the Northwest and are even Executive members at Costco.  Looking forward to booking our next cruise to Europe once this Covid problem is resolved.

-John and Michele F.


Eva assisted me in booking a cruise and an airline for my daughter and myself.  Due to Covid, the trip was canceled and Eva promptly took charge securing me a credit with the cruise line and a refund for the airline reservation.  I recently decided to rebook the cruise and, once again, Eva provided excellent service.  She rebooked the cruise which included an amazing cabin upgrade.  Eva has been and is a delight to work with.  Her follow-up is more than timely and excellent.  She leave no questions unanswered. I would definitely recommend Eva to anyone with the need of booking travel now or in the future.  

-Nany G.


Lori Kenner has been amazing during this unpredictable time. She has helped us navigate dates and postponing our cruise and has been great keeping us informed to all of our options. I highly recommend her to everyone!!!

-Cheryl S.


Just wanted to write to you to express my gratitude for working with Marcy on my Boyfriend's upcoming birthday plans.  Not only did she provide great options, she also helped with dinner plans/choices and a sailboat rental.

She went far above for me and I will continue to use her for all of our upcoming travel plans.

-Andrea R.


In early 2020 we began planning a trip to Europe using credit card points. Eva Salokar was extremely helpful and informative with the many variations of travel options. She was highly responsive, caring, and worked for our benefit. She is highly recommended.

- Chuck O.


We love Lori. Our trips are always perfect, her customer service is second to none and there is no request (small or large) she will not go out of her way to handle. Lori is the consummate professional and we look forward to our next post COVID cruise.

Ronnie V.


Roe had helped to plan a trip for us several years ago and everything was perfect. When we decided it was time to explore more areas in Italy we called on Roe to help us plan our May 2020 trip. We had our flights, transfers, hotel stays, and excursions in place when Covid hit. Thankfully Roe handled everything for us and was able to cancel all without penalty or expense. 

With our airline vouchers from the cancelled trip we will definitely return to Roe at Boca Express Travel to assist with plans when we are able to return to Italy in the future.

Thank you for all your expertise and experience!

Wendy and George H.


Marcy help me with a travel issues I have and she is the best.  I promised her that she is going to handle my next travel booking versus going through Amex.  I wish we can have more travel consultants like Marcy.

- Miguel P


We have loved working with Stacy on all our family and extended vacations.  She is so knowledgeable, handles all the back and forth and is just a delight to work with. 

I would highly recommend Stacey's help to anyone planning a vacation. 

- Hope B


Lori has provided a great deal of professional advice and service for our travels before Covid. When Covid struck she was there to help us cancel plans and receive full refunds. She kept us excited about travel through her many virtual trips. We look forward to enjoying her services once we are able to travel again. Thank you, Lori, for being here for us.

-Betty P.


Just wanted to send a little commendation note for Marcy Whelan. Marcy has been our “personal“ travel agent for several years and has done an exceptional job at every turn. The latest situation with a canceled cruise due to the Covid was very stressful for everyone.  Marcy was very diligent in keeping us informed as to the status of our refund with Crystal cruises. Just today we finally received word that our account was credited for our pre-paid cruise fee. We extend a special thank you to Marcy for all her hard work and efforts in this process. Not only did she stay on top of the situation but she also was constantly in touch with us.

Rudy and Judy Z.


Marcy was extremely helpful and very patient with all our travel plans! She is a great agent to work with and we would work with her again in the future whenever we travel.

-Anne and Fred 


I have recently done multiple bookings of travel with Marcy and noticed on her email an opportunity to write a review.
Quite simply, Marcy is incredible.  Besides always being available and if busy, returning the call same day, Marcy seems to really care about the service she provides.
That is rare, but crucial in a service industry.  And a little touch, the first Birthday card I received this year was from Marcy. 
I run a financial services business.  One of the things I coach my sales people on is that exact thing.  The first card received is remembered, while the flurry of cards that follow are a blur.
So I found Marcy through being an American Express Gold card member for 34 years.  A year ago, I thought I would give AMEX travel a shot instead of spending countless hours trying to find good fares.  Marcy won my business then and continues to win today.
Lucky for you she lives in Florida, I would hire her in a second if she were in California. 
Anyways, congrats on having a great representative.

-John


Our satisfaction with Boca Express Travel has been extraordinary especially because of our agent Marcy Whalen. 
We booked and took my dream bucket list trip to Paris a year ago and it was beyond all imagined expectations. 
Marcy guided us step by step through air bookings, hotel, tours, and restaurants. We had said we wanted the Paris flavor, not any booking in American places located in Paris. Everything was done exactly as we had hoped. It ended up being beyond our most hoped-for dreams. Marcy went beyond expected, almost as a true friend would plan for us. 
Then, after experiencing such satisfaction, we immediately booked, another dream...a Regent cruise with a pre and post stay in Venice and Rome. We had finalized and paid-in-full. Marcy told us the most appropriate tours to book as we had told her what we wanted to see and the length of time we cared to spend touring. She advised us of the best insurance to purchase. 
And then came Covid-19. 
Marcy kept us informed,almost daily, of Regent’s plan. We continued to hold off canceling. When Regent changed their itinerary, to “avoid” the virus(ha ha), I was determined to cancel-Out of fear for our health!
Don had pre-existing medical conditions that worried us both. 
We ended up canceling, very dismayed to “do this to Marcy”, and filed our insurance medical claim. Marcy compiled all necessary documents which we had to submit. And, kept contacting us to check on the status of the claim. When we had not heard anything,SHE contacted both insurance and Regent to follow up. 
Thanks to Marcy’s extraordinary efforts, we were reimbursed in full. 
Don and I are beyond appreciative. In this difficult time, when all businesses ESPECIALLY travel are suffering, our travel agent Marcy was most understanding and sympathetic. 
We can’t wait to rebook a trip through Marcy in the hopefully nearer than further future. 
Ilene 
Don 
 


We worked with Marcy at Boca Travel Express - she was amazing!   She was helpful in determining the best coverage for our trip.   Even during theses busy COVID-19 times for travel agencies,  Marcy was always quick to respond to any emails or phone calls.  We will definitely use Boca and Marcy again for future travel.  

Michelle D.


Boca Express Travel & their whole staff are very courteous, professionals, and great people. We worked with Giselle on many trips and was never disappointed. No worries, no hassle, no problems!!! Keep up the good work and soon (we hope) , we’ll be contacting Giselle for our next 🌴🌴🌴☀️☀️☀️😎😎😎🎉🎉🎉 destination !!! 👏👏👏👏👏👏👏👏👏

- William B


Let me tell you how happy we are with the services that Marcy Whalen, one of the travel experts, at Boca Express Travel, has provided us over the years. We are composed of a medium sized family living on both coasts of Florida that have cruised together and apart on major cruise lines to many destinations. We come with our lists of hopes and dreams that Marcy has always addressed with absolute professionalism and in these times, a virtual smile. Even during this period of Covid 19 wherein we needed to cancel numerous flights and cruises, Marcy completely understood our concerns, cancelled our reservations and arranged for full CASH refunds from both cruise  and airlines.

We love working with her and her team of professionals and look forward to many more years of wonderous travels experiences.

Regards,

Harry & Marcia


We have been traveling for many years and dealt with numerous agents.  This was our first experience with Boca Express Travel and it was phenomenal!  Marcy Whalen was superb through the obstacles during the Pandemic.  She was vigilant, persistent, and on a mission to obtain a full cash refund!  She spent many days checking on the information and ALWAYS kept her word by communicated with us!  She is a diamond in the rough!

- Joanna


Giselle Landau is amazing!! She booked me for a trip to Hawaii, making recommendations and suggestions about so many things -- things to make this a wonderful trip that I never would have thought of. She took so much time with me and made sure I was happy with everything. She got back to me in minutes with every call and email exchange. She held my hand all the way. Basically, Giselle blew me away. I told her that I am coming back to her for my next trip and referring others her way.

- Jodie G.


My husband surprised me with a trip to Paris for my birthday.  Roe at Boca Express Travel handled everything. She took the time to help us plan all of our excursions, find the perfect flight, and hotel. I wouldn't have changed a thing. We're back a week and already called Roe to  plan our next trip

- Dawn W


We have used Roe Naccache for many vacations and she has never disappointed! The best hotels, transfers and flights. We were just in the Greek Islands and there was a sudden ferry strike. Roe and Boca Express Travel handled getting us on a new ferry and getting our hotel rooms refunded without any problem. I'm sure we would have been spent our whole vacation on the phone without them! Definitely 5 stars!!

- Alex K.


My fiance and I used Boca Express Travel to plan our Honeymoon. I would recommend them without hesitation. Giselle was absolutely amazing and went above and beyond to help plan a vacation of our dreams. We were extremely indecisive and thanks to her patience and wealth of knowledge, we were able to make a decision that we are absolutely thrilled with. Additionally, with our very busy schedules, Giselle took all the stress away and made the planning and booking process seamless.  I can't say enough great things.  This travel agency treats you like family and puts all your worries and stresses behind. We cannot wait for our honeymoon and its all thanks to Giselle and the team at Boca Express Travel! Thank you!!

- Stacy O.


We were on the Alaska cruise,and do to travel time had to cancel a event. Boca express responded, and helped us while we were at sea. This is above, and beyond. They are on top of any . and all situations in regard to our travel. We used them several times, and are extremely happy with their service.

- Robert B.


Had a great experience with Stacey Fugere at Boca Express! She walked us through every step of our Disney Vacation. I couldn't have planned it without her!

- Rachael M. 


We love to travel. Sometimes I make some of my own arrangements.  However, most of our travel planning has been with Lori Kenner and Boca Express Travel.  We’ve been using Lori for almost 20 years. 

Using a Vacation Travel Specialist ,especially since the Covid crisis, is essential. With travel plans being interrupted and cancelled,  Lori has given us outstanding customer service, not only during the planning stages, but in following the pandemic and figuring out whether to wait,  the best time to cancel and making sure we got appropriate refunds and credits.  During this tough time when her income was severely impacted, she continued to put the time in to help us get our money back. 

Over the years, even when travel went smoothly, Lori had essential information regarding airlines, hotels, car services and things to do. She has so much hands on experience from her own travels and a wealth of information to draw on. As a result, we’ve taken some wonderful trips, stayed in some fantastic places and made happy memories with very few hiccups. And even when there were some problems, I was able to get in touch with Lori and get her advice. As a result, we were able to get compensation immediately and for the future as well. 

During the pandemic, Lori has continued to help us dream about traveling again.  Through wonderful zoom presentations, we can think about some places on our bucket list and add new ones.  We are excited about some future travel plans and are confident that if we need to be flexible, Lori will see us through any  necessary postponement or cancellation. 

- Sonia W.


I planned a trip with Giselle at Boca Express Travel and it was so fantastic that I had to post a review (which I never do). First off, I initially booked a trip to a different destination but then Hurricane Irma devasted that location and many others which caused some havoc. Giselle was the first person to step up, take care of all thoughts and concerns and find me another location for me and my group. She was able to rebook 14 of us within 2 months of travel to the most unbelievable place I've ever stayed--Silent Waters Villa in Montego Bay, Jamaica. Upon showing up, we were greeted by our amazing host Jean who ensured our whole stay would be FANTASTIC. The views and accommodations were incredible. You are on top of a huge hill with one side overlooking the beach and the other side overlooking the jungle. It has the most breathtaking tennis court right next to the helipad. The staff was unbelievable. We had a chef (Marlon) the whole time who cooked 5 star, gourmet meals, a server (Michael) deliver them with class, a bartender (David) who was second to none, and countless of other landscapers, maids, butlers, etc. that really made the trip amazing. This place exceeded our expectations by a mile and I'd be happy to recommend Silent Waters....and Giselle at Boca Travel Express....to EVERYONE. You have to see this place to fully understand how fantastic it is.

- Eric L.


Marion,

 

Thanks for your help with the cruise I am taking with our son and his family.  I was hoping to have some savings, but I did know how much as it is hard to do a comparison.  When I found that the total c