Tag Archives: trips

Travel Trips on Money

money, travel, euros, moneybelt

Creative Commons: Roby on Flickr

I’m planning a trip to Europe in September and thought I would get some of the preparation out-of-the-way. When I went to Ireland in 2007 I took some cash and traveler’s  checks and my sister took cash. But travelers’ checks, they’re kind of passé, aren’t they? A friend had pointed out that I could have used my bank card and I thought, well, duh. But then, could I?

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Creative Commons from http://www.travelingcow.com

So I’ve started checking out a few factors. I thought the easiest thing to do would be to put a deposit of cash onto my credit card and then I could just charge items to the card and only pay the exchange rate. But guess what, because the credit card companies (Visa, MasterCard, and I presume American Express) don’t feel they’re gouging us enough with anywhere from 10 to 19% interest on our charges, they tack on a 2.5% charge for any transaction out of the country. For me, being Canadian, that means even a trip to the States will cost me extra on my card. I might be able to pay off my bill before the interest charge comes into effect but not for the 2.5%. Remember, on $1000 that would be an extra $25 for nothing.

Next I called my bank to ask about my debit card, which now has a chip. They said it probably would not work for point of sale transactions as each store in Europe would have to buy into a system and there is no reason they would be part of a North American system. I could use it at a bank machine that is part of the same network as mine (Cirrus in this case) but I would be most likely subjected to a fee from my bank (depends which network) as well as from the European bank machine, which could be as high as $6 per transaction. Well, that’s cheaper than Visa/MasterCard but still could add up and I’m stuck with withdrawing a daily limit. It’s best to check what that limit is.

It looks like I’ll be using a combination of bringing some Euros in cash that I can get from my bank (It’s best to warn them ahead of time so they have enough on hand) and travelers’ checks. Because I will most likely not do US travelers checks but Euros the bank might need three days to order them in. Travelers checks have about a 1% service charge so they’re cheaper than the credit cards. I’ll be getting them about two weeks before I go, just to make sure there are no glitches.

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Creative Commons: Eagle Creek also has leg pouches http://www.amazon.com/Eagle-Creek/e/2210072011/ref=dp_apparel_byline_ety

I’ll arrive in Europe with Euros in cash, travelers’ checks that I can cash at a bank if nowhere else will take them (if you’re going to out-of-the-way places, make sure you cash these at a bank as many shops won’t take them anymore), and a credit card. I have a passport pouch that will hold my money and that I can wear around my neck. Some people favor money belts but I feel more secure with the neck pouch. It’s a matter of preference with these but they’re also an essential for travel when you’re bringing a fair amount of cash and to keep all your important information safe.

The other precaution I take beforehand is to write down all numbers into a booklet that is separate from my money. Should my credit card be stolen how do I call the number on the back of the card when I don’t have the card? I have it written down elsewhere with my credit card number. Emergency contacts, camera serial codes, passport number, travel insurance, etc. are all good things to record elsewhere. You can also send yourself an email that you could access on the internet with all the information. I did this with Ireland, in case my camera was stolen (unfortunately it was stolen from my home shortly after the Irish trip). You can also record your travelers check information, serial numbers and the company contact in case you lose them or run out of money.

No matter where one travels, it’s always good to keep alert and stay cautious. Don’t let your guard down and don’t flaunt all your cash. Take out what you need for the day and hide the rest. I’ll see how the other trip preparations go after this.

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Cruise Ship Comparison: Norwegian and Carnivale

I have now had the opportunity to take two four-day cruises; one to the Bahamas and one repositioning cruise up the coast from LA to Vancouver. These cruises have confirmed that I am not in any way a cruise person.There is just way too much time on a boat than out seeing the sites. If you like doing things in a hotel, that’s what a cruise ship is; a grand hotel with shows, casino, bars and restaurants, and a small pool/hot tub.

The two cruise ships were Carnivale and Norwegian for the Bahamas and North American coast respectively. The Carnivale ship was older and as one of my friends said about the decor, “It looks as if a gay fashion designer took acid and threw up all over the place.” The decor was very date and garish with green, yellow and gold decorations (and then tacky Christmas decorations on top of that). Chairs and design overall were date. Norwegian’s cruise ship (the Sun) is only ten years old and is fairly tasteful with wood accents.

Both ships have small outdoor pools and hot tubs (I think). Carnivale had assigned seating for dinners. The problem with this was that you were always sat with the same people and whether you got along or not, you didn’t get a chance to meet new people. However, the meals were excellent and definitely top of the line in desserts and in flavors. The other choice was the ongoing buffet for late night munchies or fast food stuff, which was mediocre.

Norwegian boasted thirteen restaurants, freestyle dining (you sit when you want to) and lobster. The reality turned out to be five restaurants that had an extra cover charge ($10-$25) and then on top of that there was often an extra $10 for any food of quality on the menu. Three restaurants seemed to be the same buffet, which was mediocre, with two (the Four Seasons and the Seven Seas) having the same menu. There was a pasta/pizzeria buffet (with dinners in the evening) and a Mexican tapas bar with only light items. When you count up the restaurants available without spooning out more money, the number goes way down. Oh, and lobster, well yes, they did have it at the other main restaurant. I had to send mine back because it was mushy (and half a tail). Other meals were dry or bland, with a shrimp bisque being so salty it was inedible. Desserts were kind of what you’d expect Mom to cook. Overall, Norwegian’s food was disappointing and middle of the road.

Extra costs are something cruise lines don’t always tell you about up front. Norwegian certainly did not advertise they had restaurants asking extra charges on their website. They also charge $12/day per person for gratuities to the staff while Carnivale charged $10/day (that cruise was about three years ago so prices may have changed). Booze is never included but Norwegian also added in an “autogratuity.”

Carnivale’s entertainment contained a song and dance number and maybe other things I don’t remember. All their bars had the same 70/80’s music and nothing but rap being played in the one disco every single night. Most of their “socials” saw no one going to them and the music was not that good.

Norwegian had a preview night of a comedian, some music and a woman gymnast doing a nautical number using the silks (two long pieces of fabric suspended from the ceiling in which various moves, spins and drops are done). It was beautiful, well executed and worth watching again. On the second night they had a musical adaptation of Peter Pan (called “Pan”) which had few words and was very well done in dance. I enjoyed it a lot. The following night had a guy from Vegas (George Solomon) who had a great voice but it was very old style Vegas, and a magician from Montreal, Jean-Paul (not sure if that’s his last name or not) who mixed comedy with his tricks. He was good even if he played up the creepy stalker jokes just a bit too much.

The musicians in the various bars, including a lovely Observation Deck (enclosed) with views of the ocean, were good and varied, compared to Carnivale’s mediocre music. Norwegian did seem to have better success in social gatherings, including people in the disco. This included having the comedian in there one night and having the dancers come in to kick off another party, mostly to sell more alcohol.

The staterooms weren’t bad in either ship. However the beds were more spacious in Norwegian but uncomfortable. I tend to have back issues and though my back had been okay before the trip I was definitely in pain afterwards. Both ships had casinos, duty frees and art galleries. Having been duped into the free piece of art in the Carnivale cruise (which meant I couldn’t carry it away but they had to ship it for an exorbitant cost of $40–I told them to keep it) I steered away from Norwegian’s, especially after they said they were the originators. Nothing, truly, is free.

All in all, it wasn’t anything I’d do again. I’d rather fly to the place and stay in a land hotel where I can get out when I want. And if I want a casino I’ll just go to one. I can see how it would be good for families and for elderly people who may get tired faster. For some people, they loved the games, and the whole gestalt water hotel experience, but for me it was being stuck in one place too long.

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