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Retirement: More scenery, fewer crowds

River cruises offer a calmer, more intimate experience than mega-liners. If you'd rather drift through quiet gorges with a small band of travelers than island-hop in the Caribbean on a packed mega-liner, consider a river cruise. At first glance, these calmer, more intimate voyages appear costlier than an ocean cruise. But, says Rick Kaplan, of travel agency Premier River Cruises, "river cruises are often less expensive overall, and the experience is better." The savings start when you board: Even ships not designated as all-inclusive will often include wine and beer, shore excursions and more in the sticker price. Nowadays it's easier than ever to find a river cruise...