TRAVEL TIPS

Bring a mix of credit cards, cash and travelers checks. Travelers checks are important because they can be replaced if lost or stolen, but you may need some foreign currency to pay for incidentals, like taxis, tips and snacks.

Also, use credit cards when you can because they automatically give you the best exchange rate and they provide a record of your purchases.

Remember that many credit cards have travel-related benefits like purchase protection and emergency insurance.

In case you need extra cash, carry a credit card or an ATM card that can be used on global networks. But beware! ATM fees can cost several dollars per transaction and cash advances on your credit card may come with higher interest rates.

Use pre-paid phone cards to avoid costly hotel surcharges on
telephone calls. Phone cards can usually be purchased at tourist shops and convenience stores.

Before you shop 'till you drop, find out what taxes, shipping and custom fees may apply. Some European countries provide refunds to foreigners on the Value Added Tax (VAT), which can run as high as 20% of your purchases. Check with your travel agent or the embassy of the country you plan to visit.

Merchants in other countries may not grant refunds and exchanges, even if you have a receipt, so ask about the return policy before buying.

Beware of prices that are too good to be true, especially if you are buying expensive jewelry, artwork or other fine items. Get a professional appraiser to access the grade, content and quality to ensure authenticity.