Playing Your Cards Right — Tips for Traveling with Credit Cards

Filed under: Travel Insurance — travel at 1:05 am on Sunday, June 22, 2008

Using credit cards while traveling is a good idea for a number of reasons:

  • You have a record of your expenditures for record-keeping and tax purposes (especially important if you travel for business)

  • You may get a better exchange rate when obtaining foreign currency when using your credit card.

  • Credit card companies can refund disputed charges and may offer extra guarantees, special deals or warranties.

  • Your liability in the case of a stolen credit card is limited to $50

But, traveling these days is often a juggling act of luggage, boarding passes, identification cards, passports and a gauntlet of security measures. These identification acrobatics can leave you distracted and even a little bit addled, perhaps putting you more at risk of being targeted by an enterprising pickpocket or purse snatcher.

And, even though your liability is limited, costs can quickly add up if multiple cards are involved. Factor in the hassle and increased risk of identity theft, and it is apparent a few preemptive measures can save you from a boatload of heartache.

Consider the following tips as guidelines to traveling safely and affordably with your credit cards.

Plan Ahead:

Anytime you travel you should make photo copies of all of your credit cards airline tickets and documents, both front and back. You should leave these photocopies with a friend or family member.

Be aware that if you make copies of your cards and documents to take with you, you may be giving thieves another opportunity to rip off your personal information. Consider blacking out details such as expiration dates, verification codes and social security numbers.

If you decide not to carry photocopies of your credit cards, be sure to have the card cancellation numbers from the backs of the cards written down and stashed in your luggage.

Leave a Paper Trail:

Save receipts and keep track of the places you used your card. Make sure receipts are stored in a safe place so they can be checked against your credit card statement to ensure unauthorized charges have not been made and/or gone unnoticed.

His & Hers:

When traveling with other family members, even spouses, bring different credit cards that are on separate accounts. When a card is lost or stolen and must be cancelled, all cards on the account are cancelled as well. Having at least two cards from separate accounts will prevent the situation from leaving you stranded.

Lighten Up:

Carry only the personal information absolutely necessary for vacation, such as a passport or driver’s license. The less personal information you have, the better off you will be if your purse or wallet is stolen.

When traveling by air, always keep copies of important documents in a separate part of your luggage, such as a carry-on bag.

Keep cards on your person. Most travel stores carry small bags that you can keep cards, cash, and other items you will need to access while out and about. Consider a money belt or security wallet.

Look out for fees:

When traveling abroad and using a credit card, watch out for the conversion fee that many banks levy to convert charges in foreign currencies to dollars, generally 1% of the purchase amount. Some banks charge a fee and some don’t so, if you have several cards, it’s worth checking with the issuers to see which one has the best deal. Even with the conversion charge, many times ATM machines will have the best possible exchange rates and the lowest fees.

With proper planning, credit cards are a convenient, secure and cost-effective means of payment when traveling. Just keep these tips in mind, and the next time you’re balancing on one foot at the security gate, you’ll be glad you did.

About The Author

Gail Corwin is a successful author and publisher of http://www.luggage-n-travel-accessories.com. Your online resource for luggage and travel accessories, travel related information, timely articles and tips.

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My Adventurous Trip to Malta

Filed under: Travel Insurance — travel at 3:06 am on Saturday, June 21, 2008

TRIUMPHS & MISFORTUNES
MY TRIP TO MALTA 1-14 MARCH

The weather in Malta was a bit like my trip, sunny at times and plain ugly at others.

It began with an hour plus equipment delay leaving Minneapolis, turning what should have been an easy connection at Gatwick into a breakneck race to catch our plane for Malta. Evie and I arrived thirty minutes before the Air Malta flight was to leave. The connecting flight agent called the agents to tell them we had arrived. When she looked up at us I knew we were in for some bad news. We were on the passenger list but they didn’t have our tickets so we would need to produce them. We didn’t have any. All we had was the confirmation letter we had received from the travel agency. Moreover, the agent at the gate didn’t have the authority to make up a new ticket. “Would you please wait?” she asked. It was the ultimate rhetorical question.

We stepped aside. While we were waiting I sold copies of my book to two American tourists who were on their way to their first visit to Malta. After all the other passengers left, I began to count steps to various points, (I think there’s a psychological term for this behavior). Not surprisingly, when I measured the distance from the desk to the baggage x-ray I got suspicious looks from the security agent.

Minutes later a loudspeaker announced the last call for boarding the Air Malta flight. Noticing our frantic looks, our friend at the connections desk said not to worry. Even though we were starting to make plans where to stay near Gatwick for the night and maybe for the whole trip, the phone finally rang. The tickets were ready.

After a spectacularly sunny flight over the Alps and down the Italian coast we neared Malta. As we did the sun disappeared, the sky turned gray and raindrops splashed on the windows. When we deplaned, it was as cold as it was when we left Minneapolis. Even so, we were happy to be back to our adopted land. Until we found out that our baggage hadn’t arrived, that is. We had forgotten to check it through to Malta when we left Minneapolis and the bags were still in Gatwick. A very friendly young man at the Malta airport told us there was nothing to worry about. They would be delivered to our hotel by the next day at the latest.

All we had with us was the clothes on our backs and what we had brought with in our backpacks. At least we could wash our faces and brush our teeth that night and change our underwear.

We were expected at the out-of-way but inexpensive guesthouse where we always stay, but our room was near the top level and, as in the story, the elevator wasn’t working. The Bellestrado in the book is actually the Soleado in disguise. Exhausted from lack of sleep, we puffed our way up the stairway and went to bed.

I woke up at 2 o’clock with a sore leg. I had severely torn my right hamstring in September and was rear-ended twice within a month (remember how Rick was always bemoaning his bad luck?) and was being treated for low back pain by various doctors and chiropractors. I also had sciatica in my right leg for a while as a result. This time it was the left. Luckily we had aspirin in our backpacks. I took one and went back to sleep.

The next morning we were ready to start promoting the book. Even though we didn’t have a copy of it with us (they were all still at Gatwick) we had a few fliers in our backpacks. We decided we would visit every bookshop in Valletta to let the shop owners know that we were in town and that copies would be available from Agius (pronounced as ah jus in case you aren’t familiar with Maltese) and Agius Booksellers. The shops were cheery and smelled of fresh newsprint, but we found few of the purchasers present. The clerks were friendly and told me to come back tomorrow. One actually suggested a definite time. Little did we know that this was just a taste of the typical Malta business style, and that we would be gnawing off the ends of our fingers before the trip was over.

When we got back to the hotel we found our bags sitting outside of our room and the manager, Joe Bugeja (Josefina in the novel) waiting by our door. When I could breathe again I commiserated with him for having had to haul the book-filled bags up the stairway. He just shrugged and stuck out his lower lip (the typical Maltese gesture, I’ve decided.) “It wasn’t that bad. The elevator is working.”

I bit my tongue or they would have been able to hear my shriek in Mdina, five miles away.

Exhausted, we turned in early. I woke at 3:00 with excruciating pain in my leg. I couldn’t stand, I couldn’t sit so I paced the floor for most of the night.

The next morning, after breakfast, we were off to see Dr. Tony Abela-Medici, our friend and the coroner of Malta. Tony looked more tired than I was. He had three family members “in hospital” and was maintaining a vigil on them. Even so, he was anxious to do whatever he could to help us. He told us he knew the president of Malta and he thought he could arrange for a book presentation.

Things were looking up.

We walked back to Valletta and met with the distributor. David De Angelo was amazed at how much I knew about Malta and said he really liked the book’s cover. He gave us names of contacts, including a Maltese-language talk show host who sometimes talked about books. We also got a promise from an editor associated with Malta Times that a review of the book would appear before the booksigning.

We immediately headed for legendary Strait Street where the talk show was produced. In the old days Knights dueled each other on the cobblestones and ladies of the night came there to show off their wares. No one had any idea where we wanted to go, (numerical addresses mean nothing in Malta), but finally a pub owner pointed at a newer structure across the street. The building turned out to be a highlight of the trip. A dark entryway and hallway passed an iron gate. Beyond, a courtyard with hundreds of exposed pipes hissed and gave off a hint of methane. Best of all, a basket hung from a rope tied to the top floor railing had both of us laughing uncontrollably. We never did find out what the basket was for, but we guessed it was so the mail carrier wouldn’t have to walk up the six flights of steps. After climbing five flights, we found a tiny business card stuck in a closed door with the name we were looking for. We took a chance and knocked. A very pretty young woman opened the door for us. After we described the book, she said she was interested in it and planned to have it mentioned on the show.

Later on, we also had a meeting with the Maltese Director of the Tourism Authority and presented him with a book and spent a pleasant half-hour chatting with him.

After that, the course of events rapidly went downhill. The sciatica kept getting worse during the rest of the week and walking was actually my only relief. By the following Thursday, it was unbearable and we walked to a hospital that was just a few blocks from the guesthouse. A woman who was a perfect Caterina from my novel treated me. She was tall, gorgeous, and had the bubbly personality to match and I immediately started to dream about the day when I make a movie out of the Cellini Masterpiece so I could cast her in the role. She gave me a prescription for an anti-inflammatory and painkiller and sent us on our way. Unfortunately, her prescriptions didn’t work and we were back at the hospital at four the next morning. The doctor on duty hospitalized me and I was given a powerful injection that finally relieved my agony. The next day I was to have an MRI.

Getting to my exam was cheaper by ambulance than by cab and the woman who rode with me was chatty. She told me how Maltese women hate the Russian women who were coming to the island. “We cook for our husbands,” she said in a disgusted voice, “we keep house for them and have their babies. Then these Russians come and steal them from us. And they only know one thing. It’s terrible.”

I laughed so hard I didn’t need any pain medicine for the rest of the day.

The next day I was released in time for the book signing. We only sold a few copies but I was convinced that the distributor was genuinely interested in the book and we both felt that once it started making the rounds to the kiosks and shops, it would sell well with the tourists. Unfortunately the talk show didn’t pan out. Because we didn’t know the language we watched the entire two-and-a-half hour show in perplexed silence. It never appeared.

The trip ended pleasantly enough. When we flew out of Malta we were bathed in brilliant sunshine. We made an easy connection at Gatwick, and when we got back to Minneapolis, our luggage was in the carousel.

What next? Trips to book distributors in the US, Canada and GB. My book is already hopelessly dated as far as book reviewers are concerned, but I am resorting to guerilla marketing and the number I’ve sold is now more than 600.

If you are interested, the first chapter of The Cellini Masterpiece is available at my website: http://www.cmasterpiece.com.

SAHHA u hbibierija which translate to Health and Friendship.

Raymond John is the penname of John Anderson. John is a former graduate student in history at the University of Minnesota and has sold stamps and other collectibles for more than 30 years. He also was in the Army Reserves with a Psychological Operations Unit and completed training as an Intelligence Analyst. Several of his Annual Training tours were to the Department of Defense in Washington, DC. He also spent more than 10 years as a reserve Intelligence Analyst with the US Naval Reserves. He has visited Malta seven times and has many Maltese friends in North America and in Malta.

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Hello from Cuba (5) - Another Mind-Twisting Experience

Filed under: Travel Insurance — travel at 3:03 am on Friday, June 20, 2008

I am sitting here at one of the most famous hotels in all of Havana, after I just withdrew Can$250 (200 CUC, Pesos Convertibles) from my Mastercard. No big deal, you say….. Until you realize that the average Cuban makes between US8 and US30, not an hour, not a day, but for a whole month!

My professor for instance told me that she makes about US$18 or so a month, so the amount I withdrew is more than a year

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