Wednesday, January 18, 2012

Great Ideas To Safeguard Your Money While Out Of Town

Được đăng bởi Travel - Leisure
By Sue Hamrick


When it comes to spending money on vacation you have three main choices. And these would be: Credit cards, cash or paying with traveler's checks.

When paying for your holiday, credit cards are generally the best way to pay. It is very easy to request for a new card (given the reason is valid), and with limited liability you are usually safe from paying part of, or all of a disputed charge. Talking about disputing charges, the fact you can dispute them with the credit card provider also affords you protection against inferior-quality products or services.

A credit card would normally be the required form of payment when reserving a hotel or renting an automobile. You will need to be wary, though, even if it is true that for overseas travelers, getting a great exchange rate is possible. There are usually hidden fees that credit card providers neglect to inform their customers (usually on purpose) and they can be quite usurious.

The downside to credit cards is they can be unreliable, especially overseas. You can be in for a real hassle if your card is declined by the merchant or a foreign ATM machine. The chances of this happening are real and increase dramatically when traveling to second and third world countries.

Make sure your credit card is right at your reach when using it - it doesn't matter if you have to tail your waiter all the way to the register on the other side of the restaurant. Before you put the card back in your wallet make sure that it belongs to you.

Cash is the most reliable way to carry money but of course, it is the least safe. But if you're willing to use it, American cash is accepted in almost all establishments, and cash can be used as a bargaining point when haggling.

But there are many dangers when carrying cash. Quite obviously, it puts you in full view of potential street thieves. Don't flaunt your cash.

A waist money belt may look neat but it is not the place where you should be hiding your cash. Look for a pocket in your articles of clothing where it would be challenging for others to grab at your cash, or better yet, make your own compartment. Then keep a small amount in a spare wallet for your walking around cash. You can let your personality shine through in trying to outwit pickpockets by making such a wallet look useful or valuable by placing some expensive-looking yet essentially useless things inside of it - expired cards, perhaps. This will effectively throw off the thieves by making them think it's actually something of value.

Just like in poker where you "gotta know when to hold 'em", the same applies when it comes to cash - keep some of it on you. But know when to fold 'em - meaning, hide some of it in other places. Be inventive about finding good hiding places. The hotel safe is a good place to stash a portion. If you spread it around then you won't be cleaned out in one shot.

Travelers checks are arguably the best way form of money for your vacation with. Replacing them is not a problem, neither is using them in stores.

The best way to handle your vacation money is with a combination of all three methods.




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