Carabians Beach

Don't want to think about cooking? In Jamaica, most villas come with a permanent staff — housekeeper, gardener, cook. Five-bedroom Cliffside Cottage, handled through Jamaica Villas by Linda Smith (jamaicavillas.com), has a large pool and staff of four; in summer the home rents for $5,250 per week — or $150 per night, per bedroom ($7,000 in winter). Budget about $50 per person for daily groceries, and 10 to 15 percent of the rental fee for staff gratuity, but you'll still come out ahead compared with a comparable resort.