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BY  Sibashree Sep 5, 2024

Is it about getting most of your travel credits? It’s time to check out the FintechZoom best travel credit card alternatives.  As I was traveling in July this year, the travel credit card I was using gave me a lot of hassle. Only a traveler stuck in a foreign land knows what a nightmare it is! The bonus policies were all over the place for me, and every time I wanted to redeem my award points, the hotels charged me a certain fee. I was angry and did not know why I earned those points!  However, as I returned home, I started exploring other options and found the Platinum Card® from American Express a feasible option.  Then again, a better option for me may not work for others. So, as a traveler, I felt that I should have a sincere discussion about the traveler-friendly options available.  The travel credit card you choose will decide your travel benefits and how many miles you gather. FintechZoom has suggested some of the most suitable travel credit card options. In this guide, we will delve deeper and determine the best options for you.  THIS IS Why You Will Choose FintechZoom Best Travel Credit Card Let me be as honest as a mirror for you! I am always skeptical about what financial solutions to trust, and I piss my partner off with endless questions as he has a better understanding of these things. Then again, he wanted me to learn things the hard way. So, he suggested that I explore the FintechZoom options.  FintechZoom is the best platform for choosing the best travel credit card because of its in-depth analysis and comparisons. Further, FintechZoom makes the most of the artificial intelligence (AI) technology to provide specific information based on accurate financial stats.  In addition, I was really impressed by the transparency of the platform, and the app offered easy navigation while I was exploring options.  THIS Is The FintechZoom Best Travel Credit Card  Here, I present the FintechZoom best travel credit card! I will keep it to the point and drive to your travel requirements.  1. Chase Sapphire Preferred® Card As I was exploring the Chase Sapphire Preferred® Card travel benefits, I found out that USA Today has called it the best travel credit card for “beginners and experienced travelers.” Indeed, the terms are pretty clear and transparent.  Also, my research said that in 2021, Chase was the largest credit card issuer based on market share. So, there is enough backing to go by the FintechZoom suggestion.  What You Get From The Chase Sapphire Preferred® Card The table below explains the benefits of the Chase Sapphire Preferred® Card.  Welcome Bonus60000Flexible Point Transfers* 14 Airline or Hotel Partners (Or you can redeem through Chase Travel℠ at 1.25 cents each.)Travel Purchase through the Card5x Reward PointsDining3x Reward PointsAll Other Travel Purchases2x Reward PointsAnnual Hotel CreditsUp to $50Points Worth 25% More When Booking Travels (For example, for 10000 points, you will get $125 as cash back or gift cards)Yearly Bonus10%Repay Eligible PurchasesUp to 24 Months Without Interest (Purchase of $100 or More)Complimentary Travel Protections$10,000 Per Person and $20,000 Per Trip (Against non-refundable, pre-paid travel expenses when the trip is canceled or interrupted)Purchase Protection Benefits $500 for Each Item and $50000 for Every AccountForeign Transaction FeesWaived OffReferral PointUp to 75000 a Year on Successful Referrals (15000 Points on Each Referral)  However, I found two downsides of the card. The $95 annual fee is a little bothersome. Also, the “21.49%-28.49% variable APR” is high.  * Point transfers can occur among 11 airlines and 3 hotel partners on a 1:1 basis. So, there will be no transfer fees. Marriott, Hyatt, United Airlines, Air Canada, and Air France are some of the prestigious partners for this point transfer benefit.  2. The Platinum Card® from American Express Platinum Card® from American Express is celebrating its 40th year. So, you will get many years of trust and safety when you pick this one. Further, with this best travel credit card, you will get access to airport lounges, and as I have started using this travel credit card, I am already in love with the car rental benefits.  Even though the $695 annual fee is quite high, it has offered me more than $1500 in benefits and values. For me, it is a suitable option as I travel quite often. Honestly, the high annual fee can be justified only when you are using the card frequently. “No other card comes with as much perk potential as The Platinum Card® from American Express (terms apply, see rates & fees). If you travel frequently and want to do so in style, this card deserves a place in your wallet. However, this card is best for urban fitness buffs, frequent travelers, high-end shoppers and those who want top rewards on flights and premium accommodations. If you don’t fit the profile, justifying the $695 annual fee might be a stretch.” - Forbes This Is What You Get From Platinum Card® from American Express Learn the American Express Platinum Card® benefits from the table below.  Membership Rewards80000 (After spending $8000 on “eligible purchases in the first six months of the card ownership.)Foreign Purchase Transaction Fees NoneFlight And Prepaid Hotels Booked through the Card5x Reward PointsOther Purchases 1x Reward PointsAirline Free Credit Up to $200CLEAR® Plus Membership$199Global Entry or TSA PreCheck® Application Fee CreditUp to $85Hotel Benefits Up to $200Digital Entertainment CreditMaximum $240Equinox Credit $300Cellphone ProtectionUp to $800 for Each Eligible Card Account Further,  British Airways Avios and Air Canada Aeroplan are some of the prestigious aviation partners of this travel credit card. Also, among the hotel partners,  Marriott Bonvoy and Hilton deserve a special mention.  I am so proud to have chosen this card!  3. Capital One Venture Rewards Credit Card The Capital One Venture Rewards Credit Card offers an easy and transparent reward program. Here is what you get with this best travel credit card. Unlimited 2x reward points on every purchase 75000 sign-up bonus on a $4000 purchase in the first three months 1,300+ airport lounges access So, overall, this is a card for travelers who go on a trip twice or thrice a year and prefer simple terms.  4. Citi Premier® Card The Citi Premier® Card has great rewards for travelers. You can earn 3x reward points on air travel, hotel booking, and gas station usage.  You have to visit the ThankYou® Rewards program to redeem your reward points. Further, you can transfer the points to the airline partners of the travel credit card for added benefits.  Things No One Told You About Choosing FintechZoom Best Travel Credit Card FintechZoom’s selections are great, and now you have better options. However, to choose the best travel credit card for you, you will have to abide by the following smart tips.  Earlier, I was foolish not to think of these aspects, and I don’t want you to make the same mistakes.  Consider Your Travel Habits You must keep your frequency and expense of traveling and the benefits a card offers on purchases. Further, be careful about dining, lodging, flight booking, and car rental benefits. These are the things that cover the majority of our travel expenses, right?  Know the Sign-Up Bonus When you get a travel credit card, know the minimum amount you need to spend to get the sign-up bonus. It is crucial to get the sign-up bonus if you want to increase your rewards balance.  Further, make sure that the minimum amount you need to spend for the sign-up bonus is within your budget.  Look at the Annual Fee Is your travel credit card waiving off the annual fee for the first year? Or does it offer annual credits?  These are some of the factors that you need to consider to get the best travel credit card. Also. ensure that the perks and rewards of your card are more than the annual fee you pay.  Know About The Foreign Transaction Fees Benefits Foreign transaction fees are bothersome for international travelers. So, waiving foreign transaction fees is crucial if you travel to other countries frequently.  Flexible Redemption Options Flexibility and versatility in redemption options are important while using a travel credit card. The best one will allow you to transfer points to hotels and airline partners.  Of course, the option of redeeming your points as cashback or gift cards is always available.  FAQs About FintechZoom Best Travel Credit Card 1. What makes FintechZoom’s travel credit card recommendations reliable? FintechZoom is famous for its objective and accurate reviews. Further, FintechZoom has reviewed factors, such as sign-up bonuses, redemption points, travel benefits, and annual fees, to suggest the best travel credit cards for us.  Also, the FintechZoom travel credit card suggestions cater to all types of travelers and their different requirements.  2. Can I have more than one travel credit card? Yes, you can have more than one travel credit card. Each card comes with its unique reward redemption benefits and bonuses.  If you are an aware user, you will know the perks of each card and which one will be the most suitable for the type of travel expenses you are making now.  So, use your cards strategically to optimize your travel benefits and earn more points.  3. How can I maximize my travel rewards with the FintechZoom best travel credit card? You can follow simple tricks to optimize your travel credit card benefits.  Know and use the sign-up bonuses. Pay your credit card bill in full and final at the end of every month. Know and transfer the transfer points and transfer them to travel and airline partners for optimized benefits.  4. Are there any downsides to using the FintechZoom best travel credit card? Yes, some travel credit cards can have downsides in the form of high annual fees and APR. Also, the interest rates of these credit cards increase in leaps and bounds if you don’t pay the monthly bill in full. Therefore, you have to be mindful of your financial state and control your spending habits before you apply for a credit card.  Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.

BY  Arnab Aug 22, 2023

With a burst of colors, melodies of chirping birds, and the tender touch of a mountain breeze, Gatlinburg is the picture-perfect postcard town you’ve always dreamt of. It’s a place where nature’s majesty meets man-made marvels, creating a harmonious blend of adventure, serenity, history, and charm. This family-friendly haven in the heart of the Smoky Mountains offers an exciting playground for kids, with valuable lessons waiting to be learned at every corner. It’s time we cast aside the electronic distractions and headed outdoors for good old-fashioned fun and frolic. Dive into this article to discover the top seven reasons why Gatlinburg should be your next family vacation destination. 1. Cozy Corners in Gatlinburg Imagine a wooden cabin with rustic charm, crackling fireplaces, and panoramic views of lush green mountains, the perfect setting for creating lifelong family memories. These cozy cabins offer more than just a place to rest your head. They are a sanctuary for quality time, conversations, and connections, allowing you to unplug from the rest of the world and unwind in tranquility. From story time by the fireplace to star-gazing from the deck, these moments become the highlights of your trip. If you're searching for the best cabins in Gatlinburg, you won't be disappointed with the myriad of options, each promising an unmatched hospitality experience. 2.  Adventure Parks and Ziplines in Gatlinburg No kids or adults, for that matter, can resist the adrenaline rush that Gatlinburg’s adventure parks and ziplines offer. With safety always a priority, these adrenaline-packed experiences are carefully crafted to cater to the young and young at heart alike. Imagine the thrill of swooshing through treetops on a zipline or conquering rope courses at one of Gatlinburg’s top adventure parks. It's not just about the thrill. It’s about building confidence and overcoming fears together as a family. 3. Exploring the Great Smoky Mountains Introducing your kids to the grandeur of the Great Smoky Mountains is akin to presenting them with a key to a treasure chest of natural wonders. Spanning over 522,149 acres, this is home to a vast array of wildlife and vegetation, including black bears, elk, and over 1,800 species of plants. Venturing on hiking trails with a vivid display of wildflowers offers them an enchanting canvas of nature’s artistry. Witnessing autumn's vibrant hues during scenic drives can foster a deep appreciation for nature's transformative cycles. These experiences, rich in beauty and knowledge, stimulate curiosity and create lifelong learners. Each adventure within the Smoky Mountains plays a significant role in molding your child's understanding and respect for the environment. It promotes the idea of preservation, instilling a sense of responsibility towards our planet. The thrill of spotting a white-tailed deer or the serenity of a distant waterfall echo becomes an unforgettable part of their childhood narrative. With their wealth of experiences, the Smoky Mountains entertain and educate, reinforcing Gatlinburg’s standing as an ideal destination for kids. 4.  Gatlinburg’s Historical Attractions Gatlinburg is a tapestry intricately woven with threads of rich cultural history and natural splendor. It offers much more than the eye-catching scenic beauty, standing as a testament to a vibrant historical past. Embarking on a journey through Gatlinburg's historical attractions provides kids with a living history lesson, offering a glimpse into the region's bygone era. Events like the Appalachian folk festival offer an immersion into local heritage through music, dance, and storytelling. Here, kids can not only witness but participate in the preservation of traditions. Exploring Gatlinburg’s historic sites and museums deepens their understanding of the past and enriches their cultural awareness, thus enhancing the value of their visit to this extraordinary town. 5. Gatlinburg’s Aquatic Adventure The phrase 'making a splash' takes on a literal meaning in Gatlinburg, thanks to its thrilling array of aquatic adventures. Navigating through rushing rapids during a white water rafting expedition offers a heady blend of excitement and challenge. For those who prefer a more tranquil experience, lounging in the sun by the pool provides an equally enjoyable alternative.These water activities are designed to cater to all age groups. Older kids can embrace the thrill of rafting, while younger ones will find endless joy at the water parks. Amid these aquatic escapades, the importance of water safety becomes a vital lesson, making Gatlinburg a destination that entertains, educates, and ensures the well-being of your kids. 6.  Craft Communities and Workshops in Gatlinburg The artistic soul of Gatlinburg breathes life into every visitor's experience, further enhancing its appeal as a family destination. Integral to this artistic experience is Gatlinburg's renowned Arts & Crafts Community, the largest assembly of independent artisans in North America. It is a vibrant canvas, an artistic playground inviting exploration and engagement.Participation in kid-friendly craft workshops is more than a hobby: it provides kids with an avenue for developing artistic sensibilities. They can use simple materials to craft unique masterpieces, realizing creativity's enchanting power. These workshops also serve as platforms for artistic appreciation and expression, enriching Gatlinburg experiences with colorful hues of creativity. Related: 4 Must-Go-To Places To Visit In Gatlinburg 7. Gatlinburg’s Dazzling Evenings Gatlinburg takes on a new persona when darkness falls, enchanting all who witness its nocturnal beauty. The city magically transforms, creating a captivating ambiance unique to its nightlife. An abundance of family-friendly attractions come to life during the evening, providing opportunities for bonding and discovery. Immerse yourself in captivating night shows, strolls, and fairs tailored to mesmerize people of all ages. These nighttime activities offer a fresh perspective on Gatlinburg, adding diversity to the unforgettable experiences that make it an ideal destination for families and kids. After a full day of adventure, retreat to the comfort of your cabin as the tranquil Gatlinburg night surrounds you. Gather around the warm fire, sharing stories of the day's escapades. This peaceful conclusion showcases the multifaceted charm of Gatlinburg, a city that continuously delights from morning until nightfall. Conclusion With these impressive insights, we've outlined seven compelling reasons for you and your family to visit Gatlinburg for their next family trip. This charming mountain town surpasses the typical vacation experience by providing numerous opportunities. Gatlinburg provides something for all visitors, so get ready for an enjoyable journey full of discovery and anticipation! Read Also: 4 Reasons You Must Visit Gatlinburg This Summer Tips To Make Your Vacation In Gatlinburg More Enjoyable How To Book Lodgings For A Vacation In Gatlinburg

BY  Sibashree Dec 29, 2025

Timing is not just a tip to remember for divers in Raja Ampat. A change of season and the difference? It’s as big as having a glass boat ride to a Manta cleaning station and a bumpy trek through monsoon winds.   Known as the "Last Paradise," Raja Ampat sits at the heart of the Coral Triangle. Here, the seasons do not just mean the weather. The seasons also dictate the challenges the waters will throw at you and the giants you will meet.   In this guide on Raja Ampat diving season tips, I will start with a short answer about the diving seasons and then give you the details.   The Short Answer: Peak Vs. Off-Peak Season For Diving In Raja Ampat   Feature Peak Season (October – April) Off-Peak Season (May – September) Sea Conditions Calm, glassy water Choppy in the South, calm in the North Visibility Excellent (15m–30m) Variable (can be lower near islands) Marine Life Manta Rays, Whale Sharks, and Dolphins Resident Reef Life, Macro, "Walking" Sharks Crowds High (Book 12-18 months early) Low (Peaceful dive sites) Price Premium Potential discounts (10-20% off)  Have you already booked your dates? Check our guide on Raja Ampat diving trips for a detailed itinerary planning.   The Two Main Seasons Of Diving In Raja Ampat: A Detailed Breakdown  The character and conditions of the dive sites in Raja Ampat change in dry and wet seasons.   The Dry Season (October to April) The Wet Season (May – September)  • Low Winds  • Calm Water  • Ultimate Raja Ampat Liveaboard Season  • Ideal for Spotting Reef and Oceanic Mantas • High Southern Winds  • Misool Becomes Inaccessible  • Dampier Strait is Accessible  • Ideal for Spotting Snapper and Barracuda  Raja Ampat Marine Life Calendar  For you, the best diving season in Raja Ampat Indonesia depends on the kind of marine animal you want to encounter. Here, I will give you details about the Oceanic and Reef Manta Ray season, the whale and dolphin migration season, and the season for walking sharks and macro life.   1. Manta Ray Season (Oceanic Vs. Reef)  December to March is the best season for spotting these marine animals.   Manta Sandy cleaning station is great for Reef Manta sightings. Magic Mountain in Misool is one of the sites where you will find Oceanic and Reef Mantas together.   Furthermore, Dr. Setyawan, in a report published by Conservation International on 9th October 2024, has shared some interesting facts about the Reef Mantas. He mentioned that   “...reef manta rays can travel hundreds of kilometres, and there aren’t any obvious barriers to movement between these three regions in Raja Ampat.”  2. The Whale And Dolphin Migration (November – December)  You will find Pilot Whales and different dolphin species in the deep channels of the Dampier Strait in November and December.   3. Walking Sharks & Macro Life (Year-Round)  The endemic Walking Sharks, or Raja Ampat Epaulette Sharks, are visible in the water year-round. Night dives are the best to watch these marine creatures in action.   You will also spot the Pygmy Seahorses and Nudibranchs across all seasons.   Regional Differences: The Misool Vs Dampier Strait Season  Let’s check out the regional differences in Raja Ampat across seasons. 1. Dampier Strait (North/Central)  Sheltered by large islands, the Dampier Strait offers safe diving conditions even when the wind is high.  So, you can dive here safely in all seasons.   2. Misool (South)  Thanks to the southern monsoon, crossing Misool is dangerous in the wet season. The frotier is wilder than the north and central zones.   Raja Ampat Diving Season Tips For Liveaboard Vs. Resort  There is no "bad" time to visit Raja Ampat, only the "wrong" region for the season. If you want Mantas and luxury liveaboards, aim for January. If you want solitude and budget-friendly resort stays, June in the Dampier Strait is a hidden gem.  1. The Komodo Switch And The liveaboard Season   In May, about 80% of the liveaboard fleet sails west to Komodo National Park to follow the dry weather. If you want a luxury boat experience, you must visit Raja Ampat between October and April.  2. Choose Diving Resorts For Off-Peak Season Diving   If you are traveling in the summer, between June and August, you must choose the land-based resorts in the Dampier Strait. These resorts offer stability, and you can take shorter boat rides to reach the dive sites. Enjoy the low-season pricing.   What Are The Expert Tips For the Raja Ampat Diving Season?  You cannot fear the rain when you are diving in Raja Ampat. Also, the consistent temperature of the water in Raja Ampat makes diving possible, especially in the Dampier Strait sites.  Here are some other things to remember if you are diving in Raja Ampat.   Expert Tips What It Means Don't Fear the Rain It is a rainforest; it rains even in the dry season. The fish don't mind, and you're already wet.  The "Green Water" is Good Lower visibility often means plankton, and dense plankton is the "dinner bell" for Manta Rays. Book Christmas Early This is the busiest window, and some boats sell out 2 years in advance.  Currents and Moons For the most intense fish action, book your trip during the New or Full Moon.  Surface Intervals Use sun protection in the dry season and bring a windbreaker for the wet season boat rides.  Water Temp is Constant It stays 28 to 30 degrees Celsius all year. A 3mm wetsuit is plenty.  Check Boat Locations Ensure your preferred boat hasn't already moved to Komodo for the summer. Flight Reliability Pad your travel schedule in July/August, as wind can delay small island hops or ferries.  Raja Ampat Diving Season Tips For Photographers: The Lens Guide  Seasons  Ideal Lens What to Capture  October to April Wide Angle • Perfect for Capturing Mantas  • Sweeping Schools of Fish  Split Shots with Blue Skies  May to September Macro Lens • Fluctuating Visibility  • Perfect to Focus on Pygmy Seahorses, Blue-ringed Octopus, and Ornate Ghost Pipefish.  Late April and Early October (The Shoulder Season Secret) Macro Lens  • These are Sweet Spots, and You Get to Frame the Calm Transition of the Marine Animals.   • Still, the Crowd of the Big 5 is Not Intense as the December and January Holidays.   Raja Ampat Diving Season Tips: Frequently Asked Questions (FAQs)  Here are the frequently asked questions and answers about the Raja Ampat diving season tips.   1. What Is The Absolute Best Month To Dive Raja Ampat?  January is the absolute best or the prime month to dive in Raja Ampat. You get peak visibility, around 25 to 30 meters in the water, and it is the ideal month to spot Reef and Oceanic Mantas due to plankton increases.  Furthermore, all the regions, the south, the central, and the north, remain accessible this month.   2. Can I Dive Raja Ampat In August? Yes, you can dive in Raja Ampat in August. In fact, August is a great month if you want to explore Cape Kri and Blue Magic without the crowd. However, if you are diving in Raja Ampat in August, stick to the sites in Waigeo, Gam, and Mansuar and along the Dampier Strait in the North and Central zones. 3. When Is The Best Time For Whale Sharks In Raja Ampat? October to April is the best time to see Whale Sharks in Raja Ampat. You can find them in Misool and the Dampier Strait sites. However, for a better and more certain visibility of Whale Sharks, you must visit Triton Bay, south of Raja Ampat. The Full Moon Nights are ideal for spotting Whale Sharks.  4. Is The Wet Season Cheaper In Raja Ampat? Yes, the wet season is cheaper in Raja Ampat as it is the off-peak season for diving. In the diving resorts, mostly concentrated around the Dampier Strait Region, you will get a discount of around 10-15%. There is also a hefty discount on the diving packages. On the other hand, the liveaboards will offer around 20-30% discount in the wet season.  5. What Is The Water Temperature Like Year-round In Raja Ampat? The year-round water temperature in Raja Ampat is around 28 to 30 degrees Celsius. One of the best things about diving in Raja Ampat is the incredibly stable, bathtub-warm water. Because the archipelago is located just one degree from the equator, you won't experience the dramatic temperature drops or "thermoclines" found in other parts of Indonesia, like Komodo or Bali.  6. Do I Need A Dry Suit Or A Thick Wetsuit In The Off-season? No, you don’t need a dry suit or thick wetsuit to dive in Raja Ampat, even in the off-season. It is because the temperature of the waters here hovers around 28 to 30 degrees Celsius throughout the year. A 3mm thick wetsuit is enough if you are doing deep diving. It ensures that your body does not lose temperature rapidly. It also protects you from the irritants in the water and helps in buoyancy. 7. Does Visibility Change With The Seasons In Raja Ampat? Yes, visibility changes with the seasons in Raja Ampat. However, remember that having clear water does not mean the ideal condition for spotting the marine life in Raja Ampat. In the dry season, from October to April, the visibility is around 15 to 30 meters. Still, from December to March, nutrient-rich currents flood the archipelago. This creates "green" or "particulate" water. While this might frustrate wide-angle photographers looking for a pure blue background, it is the "dinner bell" for Manta Rays and Whale Sharks.Furthermore, during the wet season, from May to September, the visibility is 10 to 20 meters. However, this is an ideal time for many photographers as the water is clearer due to the lack of plankton blooms. 8. When Do The Liveaboards Move To Komodo? The famous Indonesian Switch, or the transition of liveaboards to and from Komodo, happens twice a year. In April and May, the peak diving season in Raja Ampat approaches its end. So, 80% of the liveaboards in Raja Ampat move toward the Komodo National Park. These liveaboards often pass through the Banda Sea and the Forgotten Island, where you can spot hammerhead sharks in late April and May. Again, these liveaboards return in September and October as Komodo starts getting heavy rainfall, but the water of Raja Ampat becomes still. On the way, you can spot deep-sea pinnacles and incredible whale shark encounters in Triton Bay or the Banda Sea.  9. Is It Safe To Visit Raja Ampat During The Monsoon? Yes, the rainy season does not mean a complete shutdown for tourists to Raja Ampat. In fact, the central zone (Dampier Strait) and areas such as Waigeo/Gam remain quite accessible even in high winds due to the protection of huge land masses. However, the diving sites in the southern zone of Misool are risky in these months.  10. When Is The Best Time For Underwater Photography In Raja Ampat? The best time for underwater photography in Raja Ampat will depend on the kind of backdrop you want. The waters of Raja Ampat always amaze you with an impressive marine life. October to November is the time for the best all-round photography experience. You will get calm seas, returning Mantas, and massive schools of baitfish. Great for wide-angle and split shots. Also, for a truly unique photographic subject, aim for the Full Moons in October and November. This is when the reefs often experience mass coral spawning. It is a spectacular nighttime event that turns the water into a "snow globe" of biological activity.Again, January and February are ideal for framing the Manta action. Plankton blooms can create "green" water, but offer world-class Manta displays. These are the months for macro specialists. The months of March and April offer peak visibility. You will now find the clearest water of the year (30m+). Ideal for large reefscapes and blue backgrounds.Finally, June to September is ideal for shooting the empty reef and macros in action.