GETTING STARTED   YOUR HOME Home Buyer's Survival Kit Get the Most From Your Home Sale Tapping Your Home Equity   CAR Tune Up Your Car-Buying Skills Smart Shopper's Guide to Auto Insurance The Best Cars of 2003 MORE... SPENDING TOOLS   YOUR HOME Search for the best mortgage rates in your area How much will my home payments be? How much can I borrow? Which mortgage is better: fixed or adjustable? Am I better off refinancing?   YOUR CAR Kiplinger's Car Finder Search for the best auto loan in your area How much will my monthly car payments be? Figuring the car lease payment How much will my monthly car payments be? MAGAZINE   Mi Casa Es Su Casa   Get all the details on how home swapping works and more top web site recommendations in the February issue of Kiplinger's Personal Finance.

TRAVEL
15 Niche Home Exchange Clubs

Think about it: You and your family travel thousands of miles, emerse yourselves in the local culture, receive comfortable lodging and perhaps free use of a car ... for free.

Well, almost. You have to give up your house to the family who has given up their home to you. (And you may have to pay taxes on the rental value of the property if you stay more than two weeks a year.)

Read "Mi Casa Es Su Casa" in the February issue of Kiplinger's Personal Finance for details on how home swapping works.

If you think this sort of quid pro quo is for you, then visit the sites below to find house swappers who share your interests:

Seniors Home Exchange
For people over age 50.
$65 for a three-year membership; $45 if AARP or CARP member.

Prof2000
For teachers, lecturers and educators and their families.
Donation requested.

Christian Home Exchange
For Christians.
$50.

Kosher Home Exchanges
For Jewish people and kosher homes.
Membership cost to-be-determined.

Singles Home Exchange International
For singles, single parents, small families and couples.
$30 for a one-year membership.

People Travel the World
For people with a home, RV or boat to swap.
Free.

Int-a-Let
Emphasises British properties.
About $45.

Traveler Exchange
Specializes in non-simultaneous exchanges so that each party can meet and host each other at different times.
Free.

Only in America
For travel within the U.S., its territories, Canada, Mexico and the Caribbean.
Free.

Home Around the World
For gays and lesbians.
About $70.

Blue Home
Emphasizes Australian properties.
$19 for a one-year membership.

International Home Exchange Network
$40 for a one-year membership.

Interline Homeswaps
For people in the travel industry, such as airline workers.
About $30.

Aha! Go
Specializes in timeshares and vacation rentals.
About $25 for nine months.

Home Invite
Specializes in out-of-the-way listings.
$39 for one year.

International Innkeepers Exchange
For innkeepers only.
Free.