27 financial tips for tourists

24.11.2010 00:10
Some of these tips relate to health and safety, as it is these issues can cost you a substantial amount. Well, other cash secrets and tricks that everyone should know travelers.<br /><br />As practice shows, travel can be both exciting and nerve-racking. When are you going on vacation, business trip or eat an exchange student, you can forget some little thing that may help you save on a long trip. Some of these tips relate to health and safety, as it is these issues can cost you a substantial amount. Well, other cash secrets and tricks that everyone should know travelers.<br /><br />Health and safety<br /><br />1. Make two copies of all important documents.<br /><br />Make two copies of all important documents. Leave one set at home from a friend or family member, a second set take to the road. When arriving at the hotel, put all documents in the hotel safe. If you're going somewhere, then take it with copies and not originals. Carry only the money or credit cards, you'll be paying, you can never exclude the option of loss or theft. If you do not trust the hotel safe, then you'll have to buy a money belt or something else like that.<br /><br />2. Try to dress appropriately.<br /><br />Dress conservatively so as not to stand out from the crowd. But at the same time not to do so on your forehead was written "tourist", or become a target for thieves.<br /><br />3. Decide all questions of the host country prior to travel.<br /><br />One way is the Internet where you can find a website, forum or blog, dedicated to the country in which you want to go. Learn the basic customs of the country, simple phrases in the local language, like "thank you", "hello" and "sorry."<br /><br />4. Take care of your health.<br /><br />Do not forget to take their medication (if you have them), but one must be cautious.<br /><br />5. Buy a road insurance.<br /><br />Purchase travel insurance and include compensation for delayed flights, trains, and their cancellation, luggage loss, etc.<br /><br />6. Buy health insurance.<br /><br />Necessarily need to buy health insurance. Whatever you spend on it, possibly saving you thousands of dollars if you get sick or have suffered during the trip. Medical costs, or worse, in the event of your death, can be significant, so take care of their relatives and do not force them to spend their money. Make copies of insurance documents and leave for home storage.<br /><br />7. Continue to take care of their property.<br /><br />Obtain appropriate insurance for your existing equipment: cameras, binoculars, notebooks, etc Laptops in our time cause special problems, since the Customs Service Concerned that, where you have them and that they have.<br /><br />8. Stock up on the desired phone number.<br /><br />Necessarily need to know the phone number to call if needed in your bank, for example. Stock up on the telephone number of the Embassy, in case you lose your passport or if it is stolen.<br /><br />9. Purchase an international calling card and set up an email address.<br /><br />Even six months after the hurricane passed through the Bahamas, the only mobile communications tower on the islands remained dead. The only way to get through to the islands was a calling card standard telephone line. Make sure that you have such a card. On the other hand, why should call if you have someone's email address?<br /><br />10. Plan your route before leaving.<br /><br />If you do not want to say about you as a "rough and uncultured tourist", ie such a man, who opened a map of the city in the crowd and blocked all traffic, then plan to fly the route in advance. We have the airport, public transport, the scheme of the city, etc.<br /><br />Financial matters<br /><br />11. Finance in the road and a spare credit card.<br /><br />When traveling, try not to keep in their pockets more than $ 300 in the currency of the country, and you should have no more than one credit and / or debit card. But still, not bad to have a spare card in case you lose the first or it is stolen. Store it in a safe place.<br /><br />12. Decide for yourself whether you need traveler's checks.<br /><br />Some feel comfortable with traveler's checks. Recently, however, fewer and fewer merchants accept such checks. In addition, the percentage charged for cashing such checks is higher than for the use of credit cards. If still you have used traveler's checks, then stock up in advance telephone number and additional information about the company that issued it. Be sure to leave one copy of the checks at home, and a second carry on the trip, but separate from the actual checks.<br /><br />13. Check your credit or debit card prior to departure.<br /><br />Check the expiration date, do not forget the PIN card.<br /><br />14. Inform the bank card which you plan to use your plans.<br /><br />Do not forget to tell the bank card which you plan to use about your plans for the trip. Some banks and credit card companies may prohibit you to use their credit cards, and even freeze your account<br /><br />15. Get information on the board, which is taken when using credit or debit card in the host country.<br /><br />For some cards removed the same percentage, and for some may be charged an additional percentage. If you know this information, we will use cards, only those companies that offer the lowest percentage.<br /><br />In addition, attention should be paid for the goods that you take out with them from the country. Be sure to save receipts of such goods.<br /><br />16. Think about how to get a new credit card in case of a long journey.<br /><br />If you are planning a long trip, you need to find the most suitable credit card. Capitol One offers the best percentage since taking only 1% that Visa and MasterCard charges in the case of purchases. In addition, Discover does not charge interest and the interest rate American Express depends on who issued the card. However, you should know that the last two cards are accepted worldwide. In particular, the Discover card is absolutely useless in Europe.<br /><br />17. Look for an organization that is a partner in your bank in the host country, and think about how to get a debit card.<br /><br />If you know your bank about the existence of such a partner, then ask about its location in the country where you are going. Using a banking partner can help you save when using ATMs. If you use an ATM or make a purchase using a credit card, make sure that it is the logo Visa, MasterCard, Cirrus or Plus, since these cards are international.<br /><br />18. Foreign ATMs and your debit card.<br /><br />ATMs abroad are the same as in your home. However, foreign ATM use the local currency exchange rate when converting. Use a credit or debit card with the smallest percentage of the transaction.<br /><br />19. Think about using a prepaid debit card.<br /><br />Pre-paid debit cards safer than usual, because they are not linked to your bank account. Buy a card with the amount of money that you think is necessary to take with while traveling. Losing such a card (or if it is stolen) you will not lose everything on your account, as it would be if a thief has gained access to your normal debit card. However, the percentage charged by the bank with these cards, more. It usually involves a percentage of the purchase, international transfer, cancellation of payments and the like In addition, such a card is difficult to replace in the trip.<br /><br />20. Zone for the money.<br /><br />Zone for the money - great find for the traveler. With him not to worry about how to get to sleep in an airplane, or thief, when you're staring at a local landmark. Another option is to use a small bag around his neck, where you can store all important documents, credit cards and passport and hide all this under his shirt.<br /><br />Belt is not very common thing, so Practice, carrying up to a trip. Two of the board: Put all the documents in a plastic bag, which did not penetrate the moisture (or you can buy do not get wet zone). And second, never try to get money from the waist in public places.<br /><br />21. Learn to be cautious.<br /><br />Another tip for your safety: not to lose her purse, or camera, always tie it to the hand. If someone tries to snatch it from you, anything he did not succeed. And in general, always be careful in crowds, because this is the place for thieves and pickpockets. You do not leave your belongings unattended at home, so why should you do it on a trip?<br /><br />22. Try to avoid the dynamic rate of growth rates (DCC).<br /><br />Some traders, seeing your confusion, can offer you count the item in its exchange rate. And though they try not too go too far, the cost of their products varies greatly, and the difference may reach 3-5% in comparison with local prices.<br /><br />You can ask (or know in advance) the price in local currency. If the dealer refuses, or says he does not know how to translate to local prices, ask to call the manager or simply give up buying<br /><br />23. Get the currency of the country where you're going to leave.<br /><br />If you do not have time beforehand, then maybe at the airport there is branch of your bank. Need money just to get from the airport to the hotel and maybe that one time meal. Just because students are usually in a hurry, they simply did not have time to get to the ATM. And there are more complicated situations: ATMs at the airport do not work too late and all banks are closed, but before the next place where you can exchange the currency is still very far away. So you'd better do everything in advance.<br /><br />24. Avoid using the machines to exchange money.<br /><br />These devices are popular in Europe, and it looks like the conventional ATMs. But instead of having a go card, you put money there, and the unit transfer any currency you need. It seems so easy that you will like to use them. However, do not buy into such devices. They are usually laid heavily overvalued currencies, and sometimes even charged for the exchange.<br /><br />25. If possible, use cash only.<br /><br />Sometimes you will be very difficult to find a seller who accepts credit cards. They pay interest on credit card usage (some do not accept credit cards), and the cash will go to all. In addition, you can find a street vendor is something that you really like it, why would you haggle with him using a credit card?<br />Other issues<br /><br />26. Rooms at the hotel.<br /><br />For security, try to get a room between the second and seventh floors. Most fire departments do not have the appropriate equipment in order to get to the floors above the seventh. When settled, carefully consider the uniform service personnel hotels. You can always consider the staff before to let him inside.<br /><br />27. Public transportation will save you.<br /><br />Public transport is safer and in most cases the easiest and most inexpensive way to travel, especially in Europe, Australia and other developed countries. Learn the transport system of the country in which you are going to find out whether tickets for all modes of transportation, or is in any seasonal promotions.<br /><br />If you travel frequently, you probably know other ways to save money. Also, some tips might be useful in one country and absolutely unnecessary in the other. The best way to test what you learned from this article - to travel.<br /><br />The most important thing to remember for Newbies: A very well learn a country to which you are going. After all, despite your attempts to look in the local as soon as you talk, then everyone will understand that you are supernatural. But if you leave all the negative aspects of your trip in itself and will not be all in a row to talk about it, your journey will be much more enjoyable and safe.<br /><br />xage.ru <br />
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