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	<title>Currate.com Blog &#187; Tips for Traveling</title>
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		<title>Travel Insurance is &#8220;Required&#8221; – Do You Have A Choice In The Matter?</title>
		<link>http://currate.com/blog/index.php/2010/03/travel-insurance-is-required/</link>
		<comments>http://currate.com/blog/index.php/2010/03/travel-insurance-is-required/#comments</comments>
		<pubDate>Sun, 07 Mar 2010 13:47:16 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[czech republic]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[schengen agreement]]></category>
		<category><![CDATA[schengen fact sheet]]></category>
		<category><![CDATA[Tips for Traveling]]></category>
		<category><![CDATA[Travel Insurance]]></category>
		<category><![CDATA[Traveling]]></category>
		<category><![CDATA[United State Department of State]]></category>

		<guid isPermaLink="false">http://currate.com/blog/?p=494</guid>
		<description><![CDATA[<p>We’ve all been hearing about it lately. The buzz is almost nonstop. Health insurance—should it be a requirement, or not? One estimate says that roughly some forty million Americans do not have health insurance and that’s a major problem, no doubt. So, of course, various groups are pushing to have such insurance supplied, and require [...]]]></description>
			<content:encoded><![CDATA[<p>We’ve all been hearing about it lately. The buzz is almost nonstop. Health insurance—should it be a requirement, or not? One estimate says that roughly some forty million Americans do not have health insurance and that’s a major problem, no doubt. So, of course, various groups are pushing to have such insurance supplied, and require us all to have it. Good or bad idea? I leave it to you to decide. But did you know that when you travel abroad, this can be just as much of a problem? Health insurance is fast becoming a big issue for international travelers these days.<a class="DiggThisButton"> (&#8216;<img src="http://digg.com/img/diggThis.png" height="80" width="52" alt="DiggThis" />’)</a></p>
<div id="attachment_501" class="wp-caption alignleft" style="width: 381px"><a href="http://currate.com/blog"><img class="size-full wp-image-501 " title="Emergency Room" src="http://currate.com/blog/wp-content/uploads/2010/03/Emergency_room.png" alt="" width="371" height="275" /></a><p class="wp-caption-text">Emergency Room</p></div>For instance, are you aware that some countries require visitors to have proof of health insurance just to gain entry into their country? Some cruise lines also demand this, as do other types of tourist companies and organizations. Students studying in foreign countries often are required to have insurance. The same applies to many business people working in other nations.  More and more, it seems, we travelers must have required travel insurance.<span id="more-494"></span></p>
<p>And even if you already have your own health insurance here in the United States, you may still have to pay for required extra travel insurance whether you want it or not. This is the “Required Travel Insurance” that can tack on a hefty surcharge to any cruise or trip. And for the unsuspecting tourist, especially those traveling on a budget, this can be a major shock, even a deal breaker, because some people simply can’t get such insurance, because of preexisting health conditions. Or, they simply can’t afford the extra cost, which gets higher for those who are older. This means that some people just can’t go some places, as a result.</p>
<p>What exactly do we mean by places demanding required travel insurance? Well, one good example of this is the Czech Republic. Here are the entry requirements for the Czech Republic, as stated by the U.S. State Department:</p>
<p>“<strong>ENTRY/EXIT REQUIREMENTS:</strong> The Czech Republic is a party to the Schengen Agreement. As such, U.S. citizens may enter the Czech Republic for up to 90 days within any 180-day period for tourist or business purposes without a visa. The passport should be valid for at least three months beyond the periods of stay. For further details on travel into and within Schengen countries, please see our <a href="http://travel.state.gov/travel/cis_pa_tw/cis/cis_4361.html" target="_blank">Schengen Fact Sheet</a>. <strong><em><span style="text-decoration: underline;">All foreigners seeking entry in the Czech Republic must carry proof of a medical insurance policy contracted for payment of all costs for hospitalization and medical treatment in the Czech Republic</span></em>.”</strong></p>
<p>This makes it clear that you <span style="color: #993300;"><strong><span style="text-decoration: underline;">can’t go</span></strong></span> to the Czech Republic unless you can show verifiable proof of health insurance, or some ability to pay for it while there. It’s “required.” And the Czech Republic is hardly alone in this. It gets even more complicated. As of this April 2010, citizens of the United Kingdom have to purchase extra coverage to go to the Channel Islands, because their National Health Insurance no longer will cover them there.  The same is true in reverse. So things are changing rapidly in this regard, all around the world, and not for the better.</p>
<p>With the onset of financial problems due to current worldwide economic conditions, expect more countries to protect their own health system’s costs by requiring travelers to show required proof of insurance before entry.  This is a growing phenomenon, and may well be “the wave of the future.”</p>
<p><div id="attachment_502" class="wp-caption alignright" style="width: 376px"><a href="http://currate.com/blog"><img class="size-full wp-image-502  " title="Alaskan Cruise, Photograph by Robert A. Estremo, Courtesy Wikimedia Commons Medicare “might” cover you on such an Alaskan cruise, but not most foreign places." src="http://currate.com/blog/wp-content/uploads/2010/03/Alaskan_Cruise.png" alt="Alaskan Cruise, Photograph by Robert A. Estremo, Courtesy Wikimedia Commons Medicare “might” cover you on such an Alaskan cruise, but not most foreign places." width="366" height="287" /></a><p class="wp-caption-text">Alaskan Cruise, Photograph by Robert A. Estremo, Courtesy Wikimedia Commons Medicare “might” cover you on such an Alaskan cruise, but not most foreign places.</p></div>
<p>And this isn’t just true of countries, this demanding of re­quired travel insur­ance. Again, cruise lines do it, as well. <span style="color: #993300;">One company charges <span style="text-decoration: underline;">$245 per person</span> (see email message below sent by the reader)</span> <span style="color: #993300;">as the standard fee for taking its regu­lar cruises.</span> Longer cruises cost more. And to confirm a booking, you often have to have this. And the same goes for some tour services, as well. Prices vary, but to purchase the pack­age, you often have to pay for the required travel insurance, like it or not.<strong> </strong></p>
<p>This happened to my father and me. A while back, we traveled on a Trafalgar tour. As part of the package deal, we had to pay a required travel insurance fee for each of us. Now, this isn’t necessarily Trafalgar’s demand, but to enter certain countries, all members of the tour had to have it, so Trafalgar had to charge for it. Fair is fair, I suppose. But as a side note, when my father’s back went out while we were in Venice, our tour guide was very reluctant to aid us in getting my dad to a doctor (as the brochure told us they would do). In fact, he did not help us at all, and said that “there wasn’t time for that” if we wanted to continue with the tour, although we were only talking about a standard one-hour appointment with any available local doctor.</p>
<div id="attachment_503" class="wp-caption alignleft" style="width: 395px"><a href="http://currate.com/blog"><img class="size-full wp-image-503  " title="Venice, Author, “Rambling Traveler”  Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/03/Venice.png" alt="Venice, Author, “Rambling Traveler”  Courtesy Wikimedia Commons" width="385" height="343" /></a><p class="wp-caption-text">Venice, Author, “Rambling Traveler”  Courtesy Wikimedia Commons</p></div>
<p>So, feeling we had very little choice, we didn’t go to the doctor. My father did recover slowly and we believe it was just a back spasm, but for days, he was in a lot of pain. It interfered with what he could do on the tour. So in this case, even though we had paid the required travel insurance up front, we didn’t feel we realized the benefits of it when needed. That’s just som­ething to think about here, because it seems, although you may be required to have travel insurance, whether or not it will work for you when actually needed, is another matter.</p>
<p>Now, a lot of retired folk feel they don’t have to worry about this issue, because they have Medicare. Wrong! Medicare almost NEVER covers people abroad, except under VERY limited circumstances only, which almost never seem to apply in the real world. So, producing your Medicare card as proof of required insurance in such places as the Czech Republic, simply won’t fly at all.</p>
<p>What’s more, this more often than not holds true for most American medical insurance plans, as well. You often are not covered while abroad. So when some official in another country demands you produce proof of coverage, those insurance cards will often not meet the required travel insurance standards. In short, they can be worthless pieces of paper in this regard. And even if your medical plan will act to cover you abroad, they are often highly limited in what they will pay for in such instances. Medical evacuation back to the United States is often not included.</p>
<p>Is required travel insurance a growing problem? Yes, most definitely. As economies falter, the demand for this sort of thing is growing around the world. So, it is something travelers must take into account when they go abroad. What can be done about it? Probably, very little, I’m afraid. If a country or tour company demands required travel insurance, your only options seem to be not to go to that country, or not to use that tour business. And as more countries demand such insurance, bet on more tour companies doing the same.</p>
<p>Here&#8217;s the email message sent to us by our loyal Currate.com subscriber asking about the travel insurance issue:</p>
<address><span style="font-size: small;"><span style="color: #0000ff;"><code>----- Forwarded Message ----<br />
From: Hibiscus Travel<br />
To: Currate Subscriber </code></span></span>(edited to  protect the subscriber privacy)<br />
<span style="font-size: small;"><span style="color: #0000ff;"><code> Sent: Thu, February 25, 2010 10:19:05 PM<br />
Subject: Re: Romantic Danube River Cruise<br />
</code></span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Hi Currate Subscriber, </span></span>(edited to  protect the subscriber privacy)<br />
<span style="font-size: small;"><span style="color: #0000ff;"><br />
I have good news for you. I got the OK from the cruise line tonight. You can join<br />
the group. Please let me know from which airport in the US you and your travel<br />
companion will depart. Thus, I can give you an air quote.<br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Attached you will find one Data Sheet, one Travel Insurance Waiver, one Consumer<br />
Disclosure Notice, one Credit Card Authorization Form. In order to view the booking<br />
papers, you need to open the attachments. Please fax<br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">- the Guest Data Sheet (completed)<br />
- the Credit Card Authorization Form (completed and signed)<br />
- the Travel Insurance Waiver (completed and signed) and<br />
- the Consumer Disclosure Notice (signed)</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">to (561)-748-8766 as soon as possible. The cruise flyer is attached below.<br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">A deposit in the amount of $450.00 per person ($900.00 per cabin) and the travel<br />
insurance ($245 pp or $295 pp) is due to make a firm reservation.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><span style="color: #800000;"><em><span style="text-decoration: underline;">AMA Waterways offers two different types of travel insurance: Standard Travel<br />
Protection for $245.00 per person and Travel Protection Plus for 295.00 per person.<br />
The insurance needs be purchased at the time you make your initial trip payment.</span></em></span>Please read about the details regarding the travel insurance at<br />
<a href="http://amadeuswaterways.com/reservations.asp?page=tvlpro" target="_blank">http://amadeuswaterways.com/reservations.asp?page=tvlpro</a> .</p>
<p></span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">The final payment is due by March 25, 2010.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
After receiving your deposit and travel insurance payment, we will mail you the<br />
cruise catalogues for 2010. In the meantime, visit www.amawaterways.com to read<br />
about the details regarding your river cruise.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
The cancellation policy for the cruise is as follows:<br />
Until July 15, 2009    $400.00 pp deposit is refundable<br />
July 16, 2009 &#8211; 115 days prior to departure $200.00 pp loss of deposit<br />
116 &#8211; 80 days prior to departure  15% loss of land and cruise price<br />
79 &#8211; 50 days prior to departure  35% loss of land and cruise price<br />
49 &#8211; 20 days prior to departure  50% loss of land and cruise price<br />
19 &#8211; 10 days prior to departure  80% loss of land and cruise price<br />
&gt;From 9 days prior to departure  100% loss of land and cruise price<br />
Junior Suites     $400.00 pp deposit is non-refundable</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
In case of a cancellation, contact Terese Ternullo by phone at 1-866-748-8766 or<br />
561-748-8766 or by fax at 561-493-7045. A non-refundable cancellation fee of $100.00<br />
per person will apply in addition to AMA Waterways&#8217; cancellation penalties.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">The air can be booked through AMA Waterways. If you book the air yourself and/or you<br />
use frequent-flyer miles to get to the point of embarkation, you must be at the port<br />
prior to the embarkation deadline (one hour prior to departure). If you miss the<br />
sailing, any and all expenses related to joining the ship at another port, if<br />
possible, are your sole responsibility.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Round-trip airport to ship transfers are only included when air is purchased with a<br />
cruise/tour package. Transfers are only valid on tour departure and arrival dates.<br />
In case you make your own air arrangements, transfers may be purchased for an<br />
additional charge. Otherwise, you are in charge of your own transfer arrangements.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">The recommended gratuities are 12 Euros p.p. per day for the crew and 3 Euros p.p.<br />
per day for the Cruise Director. Gratuities are not included in the prices shown on<br />
the cruise flyer and subject to change without notice.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">AMA Waterways does not publish any requirements regarding vaccinations. Therefore,<br />
it is your responsibility to check with your health professional which vaccination<br />
and medication you will need for your trip.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">A passport, valid for 6 months beyond the completion date of your travel is required<br />
for all passengers. Non-US citizens: It is your responsibility to identify and to<br />
obtain all the necessary visas before commencing this cruise.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">AMA Waterways&#8217; rules and regulations are applicable to this cruise. Read the fine<br />
print in the back of your cruise catalogue on the website www.amawaterways.com.<br />
Please note that AMA Waterways reserves the right to collect any increases in fuel<br />
charges, government fees, taxes, or similar charges in effect at the time of sailing<br />
even if the fare has already been paid in full.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">AMA Waterways requires a group size of 20 in order to provide interpreter service.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Romantic Danube River Cruise</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">7-night cruise plus 3 nights optional in Prague<br />
July 9-19, 2010<br />
AMA Waterways: MS Amalyra<br />
with interpreter service</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Optional:<br />
July 9 Arrival in Prague, Transfer to the hotel<br />
July 10 Prague with City Tour<br />
July 11 Prague free time<br />
July 12 Transfer to Vilshofen with a stop in Regensburg<br />
Pre-cruise package 3 nights Prague: $690.00 per person, double occupancy incl.<br />
hotel, breakfast, sightseeing as listed above and transfer to Vilshofen.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">River Cruise<br />
July 12 Vilshofen, embarkation, welcome cocktails, welcome dinner<br />
July 13 Vilshofen, Passau walking tour<br />
July 14 Linz city tour, Gmunden excursion<br />
July 15 cruise through Strudengau and Wachau, Melk Benedictine Abbey, Duernstein<br />
walking tour, wine tasting at a local &#8220;Weingut&#8221;<br />
July 16 Vienna city tour<br />
July 17 Vienna, Bratislava city tour<br />
July 18 Budapest city tour<br />
July 19 Transfer to the airport in Budapest</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Cabin category E, window* sold out<br />
Cabin category D, window* sold out<br />
Cabin category C, French Balcony sold out<br />
Cabin category B, French Balcony $3,231.00<br />
Cabin category A, French Balcony $3,331.00<br />
*close to the water line</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Prices are for a 7-night deluxe cruise, per person based on double occupancy.<br />
Prices incl. port charges, daily sightseeing program as outlined in the itinerary<br />
above, use of bicycles, all meals during the cruise, unlimited wine from local<br />
vintners at dinner on board the ship, free internet in your cabin.</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">The above mentioned offers are capacity controlled. Prices and itinerary are subject<br />
to change at any time without prior notification. Prices do not include travel insurance, tips,<br />
air etc. A deposit  of $450.00 per person ($900.00 per cabin) is due to make a firm reservation. A<br />
non-refundable cancellation fee of $100.00 per person will apply. Flight<br />
arrangements are offered by AMA Waterways and can be booked through Hibiscus Travel. R/T transfers<br />
are not included for cruise only bookings but can be purchased through Hibiscus Travel for an<br />
additional fee. A passport, valid for 6 months beyond the completion date of your<br />
travel is required. AMA Waterways and Hibiscus Travel reserve the right to withdraw<br />
interpreter service if the group size is less than 20 guests. </span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;"><br />
PLEASE CONTACT KERSTIN FOR MORE DETAILS AT<br />
kerstin@kerstinstravel.com or visit our<br />
web site: www.kerstinstravel.com<br />
Kerstin&#8217;s Travel is an associate of Hibiscus Travel</span></span></address>
<address><span style="font-size: small;"><span style="color: #0000ff;">Hibiscus Travel<br />
Respectfully, Kerstin Fox</span></span></address>
<hr style="height: 1px; width: 500px;" size="1" />The one real option travelers do still have with regard to required travel insurance is picking the type of insurance and the company they wish to have insure them. There are many different companies, and they have all sorts of different policies, so research your choice, and tailor it to fit your particular travel needs. That way, you will have what you need!</p>
<p>This same piece of advice goes for everything else you do in planning your travels. Research is key to safe and fun traveling. It applies as to which countries you may want to go to, what items and documents to take with you, and what local currencies you will be using. For the last, I very much recommend <strong>Currate.com</strong>. It’s an “all-in-on,” very inclusive website where you  can determine what the local currencies are for each country you are visiting, what the current (reliable) exchange rates are, and even what the currencies actually look like.</p>
<p><strong>Currate.com</strong> has actual images of over 180 currencies. And with a currency conversion calculator right there, you can check to see just what anything and everything should cost you. This way, you will avoid expensive mistakes, and even sometimes, being cheated. <strong>Currate.com </strong>even has a mobile phone feature for those whose mobiles have Internet browser capability. Just go to <a href="../../../../../../m.php">http://currate.com/m.php</a>. If your mobile phone has enhanced features, then why not try <a href="../../../../../../e.php">http://currate.com/e.php</a>, instead? Again, researching every aspect of your trip is paramount if you want to have a save and fun travel experience. And <strong>Currate.com </strong>is an excellent site to research all the currency aspects of your travels. Check it out! You won’t be sorry.</p>
<p><strong><span style="text-decoration: underline;">References</span></strong>:</p>
<p><strong>International Medical Insurance<br />
<a href="http://www.international-medical-insurance-guide.com/">http://www.international-medical-insurance-guide.com/</a></strong></p>
<p><strong> </strong></p>
<p><strong>U.S. Department of State<br />
<a href="http://travel.state.gov/travel/cis_pa_tw/cis/cis_1099.html">http://travel.state.gov/travel/cis_pa_tw/cis/cis_1099.html</a></strong></p>
<p><strong> </strong></p>
<p><strong>Tips For Traveling Abroad (U.S. Department of State)<br />
<a href="http://travel.state.gov/travel/cis_pa_tw/cis/cis_1099.html">http://travel.state.gov/travel/cis_pa_tw/cis/cis_1099.html</a></strong></p>
<p><strong> </strong></p>
<p><strong>Medicare For Expats, Or A Mess Of Pottage?<br />
<a href="http://www.escapefromamerica.com/2009/10/medicare-overseas/">http://www.escapefromamerica.com/2009/10/medicare-overseas/</a></strong></p>
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		<title>Flying Issues—How To Deal With Them</title>
		<link>http://currate.com/blog/index.php/2010/02/flying-issues-how-to-deal-with-them/</link>
		<comments>http://currate.com/blog/index.php/2010/02/flying-issues-how-to-deal-with-them/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 03:31:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[airlines]]></category>
		<category><![CDATA[Airport]]></category>
		<category><![CDATA[Airport Security]]></category>
		<category><![CDATA[Current Travel Warnings]]></category>
		<category><![CDATA[double-seat charge]]></category>
		<category><![CDATA[fat traveler]]></category>
		<category><![CDATA[flying issues]]></category>
		<category><![CDATA[kevin smith]]></category>
		<category><![CDATA[Mobile Currency Converter]]></category>
		<category><![CDATA[obese person]]></category>
		<category><![CDATA[paid for a ticket for a seat]]></category>
		<category><![CDATA[Tips for Traveling]]></category>
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		<guid isPermaLink="false">http://currate.com/blog/?p=483</guid>
		<description><![CDATA[<p>Stuck on a crowded airplane for a long trip? Kids around you screaming, an obese person next to you enveloping you and your seat, and with no way for you to get up to reach your “stuff” in the overhead compart­ment, let alone to make a trip to the restroom? Feeling trapped and claustrophobic because [...]]]></description>
			<content:encoded><![CDATA[<p>Stuck on a crowded airplane for a long trip? Kids around you screaming, an obese person next to you enveloping you and your seat, and with no way for you to get up to reach your “stuff” in the overhead compart­ment, let alone to make a trip to the restroom? Feeling trapped and claustrophobic because you are in a window or middle seat on a packed plane?</p>
<div id="attachment_484" class="wp-caption alignleft" style="width: 317px"><img class="size-full wp-image-484" title="A Not Too Crowded Flight, Author, Charlie Brewer  Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Not_Too_Crowded_Flight.png" alt="A Not Too Crowded Flight, Author, Charlie Brewer  Courtesy, Wikimedia Commons" width="307" height="238" /><p class="wp-caption-text">A Not Too Crowded Flight, Author, Charlie Brewer  Courtesy, Wikimedia Commons</p></div>
<p>Let’s face it; this and many other things have happened to a lot of us. Lately, due to airline cutbacks, canceling flights, and cost-control measures, more flights are flying that are completely booked. This means we’re often traveling in what amounts to an almost cattle-car-like situation.  And to be honest, sometimes, we do get seats next to overweight passengers who overflow their own, taking up some of ours. I mention this specifically, because of the recent news media flap over Director Kevin Smith being refused a right to fly for being overweight. I have no real opinion on that incident, but I do understand that both sides have some valid points regarding this matter. But sometimes, sitting next to such a person can be worse than just uncomfortable. It can be downright painful.<span id="more-483"></span></p>
<p>Case in point; I flew from Tampa to San Diego, about a seven-hour flight, all told. I was in a three-row seat, in the middle (window seat on my right). A heavy-set gentleman had the aisle seat. Now, mind you, he was a friendly fellow, and I enjoyed his company, but he did overlap his seat into mine—a lot! He literally and completely enveloped the armrest between us with his body, and his large arm and thigh were well into “my territory” (meaning he was absorbing about a good third of my seat). And unfortunately, he wore only a tee-shirt and so did I, because it was hot on that plane! With so many people on the flight, no matter how high we put our air-conditioning, it was still hot! His flesh pressed against my entire side in such an intimate way for those seven hours as to make me wonder about the morality of it all. I think you get the picture.</p>
<div id="attachment_485" class="wp-caption alignright" style="width: 255px"><img class="size-full wp-image-485" title=" Director Kevin Smith, Author, Nehrams2020  Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Kevin_Smith.png" alt="Director Kevin Smith, Author, Nehrams2020 Courtesy, Wikimedia Commons" width="245" height="197" /><p class="wp-caption-text"> Director Kevin Smith, Author, Nehrams2020  Courtesy, Wikimedia Commons</p></div>
<p>For seven hours I had to endure leaning to the far right of my seat. My traveling companion pressed herself against the window to give me a little more space. We were, to use an old saying, “packed like sardines in a tin” and sideways at that, in this case. It wasn’t just uncomfortable—it was painful, at times almost unendurably so. Before the end of the trip, I had a stiff and sore neck, and this lasted another two days. I was much too hot the entire trip. I couldn’t get up to go to the bathroom, because, frankly, it was such an effort for the poor man to get out of his seat that I just didn’t wish to disturb him, although he was very good-natured about it when I absolutely had to do this. And eating meals was a nightmare! I couldn’t lower my tray to place my food on it. There was no room!</p>
<p>Now, am I attacking overweight people, not wanting them to be on planes? Absolutely not! He was a pleasant man, a good conversationalist, and I think he had every bit as much right to be on the plane just as much as anybody else did. I feel it is up to the airlines and/or the FAA to establish rules and/or procedures for this problem, but with the rights of all travelers being thoroughly protected in the process. How they resolve the issue is for all of them to decide and not me. I’m no expert on such matters.</p>
<p>My only concern was that I paid for a ticket for a seat, and I felt I should have gotten the entire seat, not one-half to two-thirds of it! I can barely afford my own flights, without subsidizing other people’s flights in such a way. And if you think I’m exaggerating this episode, let me just say this; when we landed in San Diego and went to collect our baggage, I was waiting a long time for my luggage to appear. So was an Asian gentleman. He asked me if I was on the flight from Tampa. I nodded. And he said; “Oh, that’s right. You were the one having to sit sideways next to that obese guy! We all felt so sorry for you.” See? It wasn’t just my imagination. So my feelings on this whole issue, just to mention them in passing, is that everyone who pays for a seat, should be entitled to the whole seat or seats for which they’ve paid. It’s that simple, and regardless of anyone’s size, all of our rights need to be respected.</p>
<p>But even though this issue is much in the news right now, it is just one possible problem we face when flying. Above, I’ve mentioned others. And all those, combined with the airport terminals themselves, finding parking, finding your correct terminal, locating our flight gates, etc., it can get very stressful to fly these days, indeed.</p>
<p>So here are some tips to make taking a flight a little better, a little easier:</p>
<div id="attachment_486" class="wp-caption alignleft" style="width: 338px"><img class="size-full wp-image-486" title=" Portland International Airport Security, Author, Aboutmovies  Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Portland_International_Airport_Security.png" alt=" Portland International Airport Security, Author, Aboutmovies  Courtesy, Wikimedia Commons" width="328" height="264" /><p class="wp-caption-text"> Portland International Airport Security, Author, Aboutmovies  Courtesy, Wikimedia Commons</p></div>
<p><strong>First</strong> and we say this many times here, because it is so important; get to the airport well before your flight time. This way, if you make mistakes, take wrong turns, end up at the wrong terminal, or have trouble finding your parking location, you will have time to correct the situation without the chance of missing your flight. This helps relieve a lot of stress. And call the airline before leaving home to confirm you flight, that it is still flying at the same time. You don’t want to get to the airport to find your flight’s been moved up an hour and is now about to leave. That would be very stressful!</p>
<p><strong> Secondly</strong>, when you arrive, check in as soon as possible. Remember, if you arrive late, your chances of getting bumped off your flight increases some, so get there early! And security is taking ever longer these days to pass through, so it helps to arrive early. To speed your ability to get through security, avoid wearing belts with metal, metal jewelry, or anything with metal (watches, etc.) for that matter. This will keep you from having to repeat trips through the detector. This can be nerve wracking and embarrassing for some, because inevitably, it starts to hold up the line behind you. Also, try to wear shoes without metal in them for the same reason. Slip-ons or loafers are a good way to go, because they do make you remove your shoes these days. It’s best to wear shoes that are easy-on, and easy-off. Again, watch out for metal bits.</p>
<p>Make sure your carry-on luggage has the right things in it. If you take medications and need to take them during the flight, you will need them with you. And, make sure you have those other things you know you will want. Whether pills, a book, or whatever, if you have them with you, rather than in the overhead compartment, it will save you having to hop up and down, blocking the aisles, and discom­moding other passengers in the process.</p>
<div id="attachment_487" class="wp-caption alignright" style="width: 345px"><img class="size-full wp-image-487" title=" Baggage Check In, Author, Mattes  Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Baggage_Check_In.png" alt=" Baggage Check In, Author, Mattes  Courtesy, Wikimedia Commons" width="335" height="237" /><p class="wp-caption-text"> Baggage Check In, Author, Mattes  Courtesy, Wikimedia Commons</p></div>
<p>Finally, settle in and enjoy the flight. With headphones for music or a movie, and/or your own ear plugs, you can block out most sounds around you, including those of screaming kids. A sleep mask will do wonders, too. Virgin Atlantic, at this time, issues a small free gift bag on its international flights. This includes a pen (for signing those destination country’s passport info cards, slip-on socks (for strolling about the plane in—a great idea), a sleeping mask, and several other items. I heartily recommend you bringing something like this with you. It will make your trip that much more comfortable. As for the flight being crowded, or having obnoxious neighbors who won’t stop talking—well, some things we just have to live with in this world, unless, of course, we can afford to travel first class.</p>
<p>But remember, flying is only a relatively short part of your travel experience. So, calm down. Try to relax and do those things mentioned above that may help you to do so. I even take along a safe, over-the-counter, sleeping aid on overnight flights. These help me to get some rest. Truth is, I have a very hard time sleeping on planes even if I manage to have my entire seat to myself.</p>
<p>Finally, when traveling internationally, arriving at a foreign country without local currency can be very stressing. How do you pay for anything you might need? Well, do a little checking on the Internet before you leave. You will find most airport terminals now have ATM cash machines where you can get local currency. However, beware of something else they also have, Change Bureaus. Where withdrawing cash with your debit or credit card is a relatively cheap transaction, the “Bureaus de Change” are not! They charge a higher exchange rate; often it is a much higher one to exchange money.</p>
<p>The best way to not fall for this, and end up with that stressful feeling of having been “robbed” by such a transaction, is to know the current exchange rates for the countries that are your destination. Check out Currate.com to find the current exchange rates for any currencies, because they have regularly and so reliably updated exchange rates for over 180 of the world’s currencies, so it’s almost a sure bet you will find the rate for the money you need. And Currate.com has an online currency conversion calculator, so you can figure out what things will cost you in your own money. No stressful surprises there! And with its “point-and-click” earth map, all you have to do is click on your destination to see it. Don’t forget that Currate.com can also be used by mobile phones with Internet Browser capability. Just go to <a href="../../../../../../m.php">http://currate.com/m.php</a> or <a href="../../../../../../e.php">http://currate.com/e.php</a>, if your phone is capable of utilizing more features.</p>
<p>Take all this advice and you will help to reduce your travel stress when flying. And remember, short, tall, thin, or heavy, we are all fellow travelers embarking on adventures. So concentrate on this aspect of things, rather than any negatives, and you will have a much better, less stressful flight.</p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com     Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com     Editor-in-Chief</p>
<p><strong>References:</strong></p>
<p>Getting Through Security<br />
<a href="http://www.magellans.com/store/article/451?Args">http://www.magellans.com/store/article/451?Args</a>=</p>
<p>Flight Delays—What You Need To Know<br />
<a href="http://www.magellans.com/store/article/438?Args">http://www.magellans.com/store/article/438?Args</a>=</p>
<p>Fly Next To A Fat Person, Get $250<br />
<a href="http://www.bigfatblog.com/fly-next-fat-person-get-250">http://www.bigfatblog.com/fly-next-fat-person-get-250</a></p>
<p>Travel Tips For Making Airline Travel Less Stressful<a href="http://www.travelpost.com/articles/airline-travel-tips.aspx"><br />
http://www.travelpost.com/articles/airline-travel-tips.aspx</a></p>
<p>Kevin Smith “Too Fat” To Fly Southwest<br />
<a href="http://www.people.com/people/article/0,,20344142,00.html">http://www.people.com/people/article/0,,20344142,00.html</a><br />
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		<title>Visas, Do You Need One?</title>
		<link>http://currate.com/blog/index.php/2010/02/visas-do-you-need-one/</link>
		<comments>http://currate.com/blog/index.php/2010/02/visas-do-you-need-one/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 04:42:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[Cuba]]></category>
		<category><![CDATA[Euro currency]]></category>
		<category><![CDATA[Europe]]></category>
		<category><![CDATA[EuroZone]]></category>
		<category><![CDATA[exchange rates]]></category>
		<category><![CDATA[First-time travelers]]></category>
		<category><![CDATA[Passport]]></category>
		<category><![CDATA[South America]]></category>
		<category><![CDATA[Tips for Traveling]]></category>
		<category><![CDATA[Traveler]]></category>
		<category><![CDATA[Traveling]]></category>
		<category><![CDATA[United State Department of State]]></category>
		<category><![CDATA[Visa]]></category>

		<guid isPermaLink="false">http://currate.com/blog/?p=456</guid>
		<description><![CDATA[<p>When Americans travel, we often take many things for granted, including ease of going places without a bunch of bothersome restric­tions. We come by this attitude naturally. Being able to move freely through all fifty states of the United States, we get used to the idea that this is our “right.” And yes, we know [...]]]></description>
			<content:encoded><![CDATA[<p>When Americans travel, we often take many things for granted, including ease of going places without a bunch of bothersome restric­tions. We come by this attitude naturally. Being able to move freely through all fifty states of the United States, we get used to the idea that this is our “right.” And yes, we know that when we travel abroad we need a passport. But this is something we’re a little less used to having to do all the time, because, until very recently, some countries, such as Canada and Mexico, did not require us to have a passport. Now they do.</p>
<div id="attachment_458" class="wp-caption alignleft" style="width: 299px"><img class="size-full wp-image-458" title="Visa Passport, Public Domain, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Visa_Passport.png" alt="Visa Passport, Public Domain, Courtesy Wikimedia Commons" width="289" height="216" /><p class="wp-caption-text">Visa Passport, Public Domain, Courtesy Wikimedia Commons</p></div>
<p>But things have changed even more radically over the last ten years than that. Where once we didn’t need passports to travel to some places, now we have to have them for everywhere. This isn’t just so we can get into those countries. It is also so we can get back into our own! Try to reenter the United States without a passport, and good luck! But again, most of us know that passports are now “a must” whenever we travel anywhere outside of America.<span id="more-456"></span></p>
<p>But what about visas? Do we need those, as well? What are they? Many first-time travelers, and even some seasoned travelers, aren’t very aware of visas, as to when they are or are not required, and under what circumstances. Many don’t even know what they are.</p>
<p>Well, simply put, visas are special documents that allow you entry into a specific country. For certain countries, visas are required, as well as a passport, in order to enter that country. You may be surprised which countries do and don’t demand them. Also, normally, you get them before you leave home, by contacting any embassies of destination countries that require them. And for the unwitting traveler who doesn’t know about this, it can be a real problem when they take that “dream of a lifetime” trip. Because to get it wrong, can really wreak havoc with your travel plans, and at the worst possible moment, that is, when you are actually arriving at your destination.</p>
<p>What’s that you say? You don’t have to worry about this, because your travel agent will let you know if you need one? Think again. First, the majority of us now are making at least part of our own travel arrangements. Who reading this article, for example, hasn’t booked their flight to somewhere, at least once? Making our own travel arrangements is fast becoming the “new norm,” and with that goes the responsibility of you making sure about whether or not you need a visa to go somewhere. And also, and I hate to say this, but since it happened to me, I’m going to—some travel agents don’t always know about these things.</p>
<p>Case in point: In the late 1980’s I was planning a month-long tour of Europe. At the time, in those “no-Internet” days, I relied strictly upon a travel agent. I was assured by her I didn’t need any visas in Europe. Now, this was in the days just before the European Union really came into being and each country really was very much separate with border guards, and still with the whole passport drill at each crossing. I remember Spain had intimidating armed guards at its border. Still, even there, visas were not required. But just one week before I was due to leave on my trip, I heard France, because of some internal problems, was suddenly demanding that even American visitors have a visa.</p>
<p>Not being sure about this, not knowing what else to do, I called my travel agent, of course, she being the supposed expert on all this. She assured me I did not need a visa to enter France (so much for her keeping up with the latest travel events of the time.) When I became persistent about having heard it on the news, her response to me was “It’s not really my problem to handle these things.”  Of course, I knew it was my responsibility to have a passport and any visas I needed, but I assumed my own travel agent could give me the latest news, at least, as to whether I actually would need them or not! She not only didn’t know, but I also had the distinct impression she couldn’t have cared less, having already received my money.</p>
<p>But not trusting her vague answer (and one which I felt was very ill-informed—I mean, doesn’t she ever watch the national news?), I called the French Embassy in Washington. They “assured” me that, yes, I did have to have a visa.  So in a panic, I drove to the embassy in Washington (took two days to do this at the last minute, too, because I didn’t live there), and obtained such a visa. So, I was fine on my trip abroad.</p>
<p>However, a large number of Australian citizens who were also taking the same tour as I was didn’t know about this problem. Result? They spent the two days we had earmarked for exploring London, instead scrambling to get in long lines at the French Embassy there, trying to obtain their visas at the last minute. Part of their trip was wiped out, lost forever, because their travel agents hadn’t known about the French visa problem. And they had left on their trip two weeks after I’d left on mine, so that was plenty of time for their travel agents to have learned of the French visa problem well before they left Australia. By the way, just so you know, France no longer requires visas. It was a temporary emergency measure at the time, but now no longer.</p>
<p>My point here with all this is these things do change. Countries that didn’t require visas may suddenly start requiring them. And a lot of this has happened since September 11, 2001. America started demanding certain other countries’ citizens have visas to come here, and they retaliated by demanding the same from our people. So visa requirements have been in a state of flux for a while now. Lately, they have settled down some, but remember this: It is up to you, as the traveler, to have the appropriate documentation to enter any country you wish to visit. Failure to have such upon arrival there, and again, good luck! You could, and probably will in some instances, be ordered to return immediately from whence you came.</p>
<p>So, which countries require visas? Well, right now, and I stress that, because these things change, most Western European countries do not require a visa. By Western European, I mean countries such as the United Kingdom, France, Spain, Portugal, Denmark, Sweden, Norway, Germany,  Belgium, Lichtenstein, Austria, Switzerland, Italy, Netherlands—all those we are used to thinking of as “Europe” for the last half a century or so.</p>
<p>However, go just a little farther east and it gets trickier. Latvia requires a visa, but Lithuania and Estonia do not. Greece does not require a visa, but Turkey does. Croatia does not require a visa, but Moldova, does. See what I mean? It gets to be a bit of a checkerboard in Eastern Europe, as to whether or not visas are required for certain countries.</p>
<p>In Africa, it is even worse. South Africa and Morocco don’t require us to have a visa, but many other African nations do, including Kenya, Liberia, Egypt, Nigeria, and a host of others. In fact, in Africa, more nations do require visas than don’t. So keep this very much in mind if you are planning a tour of Africa.</p>
<p>The Caribbean region is much the same way. Countries such as Jamaica and Trinidad want you to have a visa, but Haiti, the Dominican Republic, the Bahamas, Barbados, Bermuda, and others, do not.  And when it comes to Cuba, you have to get special authorization from the U.S. Department of State if you want to travel there as an American citizen. But there’s more.</p>
<div id="attachment_459" class="wp-caption alignright" style="width: 450px"><img class="size-full wp-image-459" title="Countries That Can Use Australia’s ETA Program,  Public Domain, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Australia_ETA_Program.png" alt="Countries That Can Use Australia’s ETA Program,  Public Domain, Courtesy, Wikimedia Commons" width="440" height="245" /><p class="wp-caption-text">Countries That Can Use Australia’s ETA Program,  Public Domain, Courtesy, Wikimedia Commons</p></div>
<p>South America is a bit of a checker­board, as well. Peru and Paraguay want visas, but Chile and Argentina don’t. In Central America, El Salvador wants them, but Nicaragua and Costa Rica don’t require them. So again, one has to be careful.</p>
<p>Paraguay Visa, Author Alex Steffler, Courtesy, Wikimedia Commons</p>
<p>Asia is a veritable patch­work of countries that do need visas, and some few that don’t. Australia even demands an ETA (Electronic Travel Authority), which will allow you to spend up to 180 days in their country. This is a surprise, because most of us don’t think of Australia as demanding a visa of any sort.</p>
<p>So you see, you can’t just rely on entire regions being “okay” with regard to not needing visas when it comes to traveling abroad. And even those areas that don’t require them now, may institute them if they suddenly feel the need. And this can change, right up to the last minute before you travel, as it did with me, so you must be aware of this. It is you that will be denied entry, and not your travel agent, when it comes to traveling. So it is entirely up to you to be responsible for knowing which countries demand you have visas, and which do not. If you do know and go prepared, you will have a great trip. Otherwise, well, your holiday might turn out to be a nightmare.</p>
<div id="attachment_460" class="wp-caption alignleft" style="width: 390px"><img class="size-full wp-image-460" title="Eurozone Map 2009. Author, Kolja21, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Eurozone_Map_2009.png" alt="Eurozone Map 2009. Author, Kolja21, Courtesy Wikimedia Commons" width="380" height="294" /><p class="wp-caption-text">Eurozone Map 2009. Author, Kolja21, Courtesy Wikimedia Commons</p></div>
<p>Another con­sidera­tion when traveling abroad is money exchange rates, and which countries have what currencies. Even some countries that are now members of the European Union do not yet use the Euro. England doesn’t, for example, but Ireland does. So, you had better have knowledge of which country has what currency when traveling abroad, and what the current exchange rates are for them.</p>
<p>My advice; please do use <a href="http://Currate.com" target="_blank">Currate.com</a>! I’ve said it before, but only because it is so true, <a href="http://Currate.com" target="_blank">Currate.com</a> really is your one-stop website for learning all you need to know about foreign currencies, what they actually look like, what the current exchange rates for them are, and how to calculate different amounts from one currency to another. So for example, if you have to exchange Euros for Egyptian Pounds, at Currate.com you will find the answers you need with regard to those currency conversion rates, what each currency looks like, and how much of the new money you should end up with after the conversion. Currate.com, the travelers’ friend when it comes to currency conversions!</p>
<div id="attachment_133" class="wp-caption alignright" style="width: 372px"><img class="size-full wp-image-133" title="World's First Google World Currencies With Currency Converter, Including Currency Images" src="http://currate.com/blog/wp-content/uploads/2009/09/worldmap.jpg" alt="World's First Google World Currencies With Currency Converter, Including Currency Images" width="362" height="298" /><p class="wp-caption-text">World&#39;s First Google World Currencies With Currency Converter, Including Currency Images</p></div>
<p>And for more information on which countries require visas, what types, etc., please follow the links below this article. And again, for your currency needs, check out Currate.com. With a marvelous online currency calculator, an Earth map of destination countries where you can just point and click, as well as images of the world’s currencies, regularly updated exchange rates, and even applications that allow access with Internet Browser mobile phones, you can’t go wrong. Try <a href="http://Currate.com" target="_blank">http://currate.com/m.php</a> for this. If your mobile phone has enhanced features, then use <a href="http://Currate.com" target="_blank">http://currate.com/e.php</a>. The best part; it’s all free! And it’s user friendly.</p>
<p>For the savvy traveler, knowing about passports, visas, and currencies is a must. Knowledge of all these things will make for a smoother trip, a more fun one, and a cheaper one! So have fun traveling, and remember that visa, if you need it! And don’t forget to have some of your destination’s local currency. You will need that, too.</p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com   Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com   Editor-in-Chief</p>
<p><strong>References:</strong></p>
<p>Australian Electronic Travel Authority<br />
<a href="http://www.eta.immi.gov.au/">http://www.eta.immi.gov.au/</a></p>
<p>Peninsula Visa &amp; Passport Services<br />
<a href="http://www.peninsulavisa.com/visa-forms.htm">http://www.peninsulavisa.com/visa-forms.htm</a></p>
<p>U.S. Department of State<br />
<a href="http://travel.state.gov/travel/cis_pa_tw/cis/cis_1765.html">http://travel.state.gov/travel/cis_pa_tw/cis/cis_1765.html</a></p>
<p>Western Hemisphere Travel Initiative<br />
<a href="http://travel.state.gov/travel/cbpmc/cbpmc_2223.html">http://travel.state.gov/travel/cbpmc/cbpmc_2223.html</a></p>
<p>Delta, Visa and Passport Information<br />
<a href="http://www.delta.com/planning_reservations/plan_flight/international_travel_information/visa_passport_information/">http://www.delta.com/planning_reservations/plan_flight/international_travel_information/visa_passport_information/</a></p>
<p>Visa Exempt Countries<br />
<a href="http://www.southafrica-newyork.net/homeaffairs/visaexempt.htm">http://www.southafrica-newyork.net/homeaffairs/visaexempt.htm</a></p>
<p>What Is A Russian Visa?<br />
<a href="http://www.waytorussia.net/RussianVisa/Info.html">http://www.waytorussia.net/RussianVisa/Info.html</a></p>
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		<title>If Your Air Flight Is Canceled — Rule 240 And/Or Do You Get Your Money Back?</title>
		<link>http://currate.com/blog/index.php/2010/02/if-your-air-flight-is-canceled-%e2%80%94-rule-240-andor-do-you-get-your-money-back/</link>
		<comments>http://currate.com/blog/index.php/2010/02/if-your-air-flight-is-canceled-%e2%80%94-rule-240-andor-do-you-get-your-money-back/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 02:58:00 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[air flight is canceled]]></category>
		<category><![CDATA[airlines]]></category>
		<category><![CDATA[Airport]]></category>
		<category><![CDATA[ask for a refund]]></category>
		<category><![CDATA[canceled flights]]></category>
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		<category><![CDATA[flights]]></category>
		<category><![CDATA[orbitz]]></category>
		<category><![CDATA[passenger rights]]></category>
		<category><![CDATA[rule 240]]></category>
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		<guid isPermaLink="false">http://currate.com/blog/?p=439</guid>
		<description><![CDATA[<p>NOTE: PLEASE BOOKMARK THIS PAGE AS WELL AS PRINT OUT THIS ARTICLE TO BE USED FOR YOUR FLIGHT TRIP PLANNING TO PROTECT YOUR FLIGHT RIGHTS.</p>
<p>I’ve said it before; flying can be a difficult business these days. Therefore, it is often with a sigh of satisfaction and relief that we board our flights, sit in our [...]]]></description>
			<content:encoded><![CDATA[<p><span style="color: #2449b7;"><strong><span style="font-size: medium;">NOTE:</span> <span style="text-decoration: underline;">PLEASE BOOKMARK THIS PAGE AS WELL AS PRINT OUT THIS ARTICLE TO BE USED FOR YOUR FLIGHT TRIP PLANNING TO PROTECT YOUR FLIGHT RIGHTS.</span></strong></span></p>
<p><span style="font-size: small;">I’ve said it before; flying can be a difficult business these days. Therefore, it is often with a sigh of satisfaction and relief that we board our flights, sit in our assigned seats, knowing we finally “made it,” and are on our way.</span></p>
<p><span style="font-size: small;">Or are we? What about those canceled flights that happen every so often, sometimes to us? It does occur, and quite a bit, especially lately, because airlines are trying to save money. If a flight isn’t sufficiently booked, they just cancel them more often than not. Coming home to America from Europe, I had one canceled. I had to take another flight the following day. No warning, no communication to me to this effect—the flight was just canceled. If I hadn’t called to confirm my return flight, I wouldn’t have even known about it. And did the airline pay for my extra overnight stay, and rearrange my (out of necessity) new connecting flight for me? Not hardly! So you see, this sort of thing can and does happen. Somehow, it’s always us consumers-as-passengers who take it on the chin, who somehow pay for it in the end.</span></p>
<div id="attachment_441" class="wp-caption alignleft" style="width: 321px"><a href="http://currate.com/blog"><img class="size-full wp-image-441" title="Canceled Flights" src="http://currate.com/blog/wp-content/uploads/2010/02/Canceled_Flights.png" alt="Canceled Flights" width="311" height="218" /></a><p class="wp-caption-text">Canceled Flights</p></div>
<p><span style="font-size: small;"><span id="more-439"></span>So what can we do about it? Do we have any rights, any recourse at all? Well, one can do some things. All of these may have varying degrees of success, so you may have to use more than one method to achieve your goals.</span></p>
<p><span style="font-size: small;"><span style="color: #2449b7;"><strong>Rule 240:</strong></span> If your flight is canceled, try using <strong>Rule 240</strong>. This is that famous and rather “storybook” rule we all hear about, but somehow never really see in action. Rule 240 is the paragraph in the airline contract that specifies what the airline legally has to do if they cancel your flight. Usually, this states what efforts they will make to get you to your destination some other way, and in a timely manner, including paying for a flight on another airline. However, this rule applies only to domestic flights. Even so, many airlines do have rules governing cancellation of their international flights, as well, and they are often similar in nature to Rule 240, although these may be called something different. Delta Airlines, for example, refers to it in their rules 80, 87, and rule 95. But together, they are pretty much Rule 240.<br />
</span></p>
<p><span style="font-size: small;">It is important to note that Rule 240 only applies to <span style="text-decoration: underline;">certain airlines</span>, and that each of these may have their own version of it. So check to see before purchasing your ticket if your airline is subject to the rule at all. One source I located, says that it is a good idea to have a copy of Rule 240 (this article) with you when you go to the airport. By being able to produce it, you actually may not have to use it, since “they” (the airline officials) may rightly assume you know what you are talking about, and so they are more likely to give in under such pressure. It is advisable only to use Rule 240 as a final measure. As many advisers will tell you, it is better simply to refer to your carrier’s own ticket conditions, in their ticket contract with you, rather than to hysterically wave a piece of paper concerning Rule 240 around in the air at them.</span></p>
<p><span style="font-size: small;">Even so, I advise you to have a copy of this article with you. If they think you know your rights, you may just get farther with them. However, remember, even though an airline might still use Rule 240, it may or may not adhere to all its original criteria, so you should check out your ticket’s rules and conditions before you purchase it. This is important. There’s no point in waving around a copy of the rule if they don’t abide by it.<br />
</span></p>
<p><span style="font-size: small;"><span style="color: #2449b7;"><strong>Ask for a refund:</strong></span> If Rule 240 is of no avail to you, the airline can’t help you, and you booked directly through the airline by credit card, ask the airline for a refund, and just try to find another flight yourself. Usually, in this case, they will refund the full amount to the credit card you used. However, if you can’t have this done for some reason, such as the card is expired and/or no longer active, then it may get a little more difficult. It seems that airlines, like so many businesses these days, are quick to take your money, but aren’t so quick to refund it if it isn’t via their usual method, the one they are familiar with and know well. Still, if you booked directly through them, they are responsible for refunding your money to you, one way, or the other. If you paid cash, that refund should be right away. If you paid by check, of course, you will have to wait until that check has cleared before they will refund your money.</span></p>
<p><span style="font-size: small;">Booking through an agency: This can actually be to your advantage. If you booked your flight through some agency, such as Travelocity, Orbitz, Expedia.com, or some other one, then you are entitled to a refund from them if the flight is canceled and the airline can’t obtain you another one in a timely manner. The travel agency accepted your money, so whether the airlines are willing to refund it immediately to them, or not, they should still refund it immediately to you. He/she, who takes the money, is the one who should pay it back if the flight is canceled. This is according to a source listed below.<br />
</span></p>
<p><span style="font-size: small;"><span style="color: #2449b7;"><strong>Passenger Rights:</strong></span> Passengers have acquired more rights under the new law passed late last year, but these are more about how long one can be forced to sit in a plane waiting on a tarmac, the constant scheduling of consistently late flights, etc. About canceled flights, sadly, it doesn’t provide much help. However, for passengers flying to Europe, the European Union has strict rules governing how flight-delays and canceled flights are to be handled, and these rules are generous to the passengers. They include such things as reimbursement, compensation, finding the passenger another flight, etc. They apply to any airline, whether European or not, that flies to or from Europe. Would that we had such rules here in America!</span></p>
<div id="attachment_443" class="wp-caption alignright" style="width: 376px"><img class="size-full wp-image-443" title="Airplane Taking Off From Airport" src="http://currate.com/blog/wp-content/uploads/2010/02/Airplane_Taking_Off_From_Airport.png" alt="Airplane Taking Off From Airport" width="366" height="233" /><p class="wp-caption-text">Airplane Taking Off From Airport</p></div>
<p><span style="font-size: small;">However, even here, there are caveats with regard to emergency conditions, weather, as well as other unforeseen problems. Under such conditions, airlines are not held responsible for cancellations. Even so, these rules are of great benefit for those lucky enough to be traveling to Europe. Here’s what the Aviation Consumer Protection and Enforcement, Department of Transportation, has to say on canceled flights in general:</span></p>
<p><span style="color: #2449b7;"><em><span style="font-size: small;">“If your flight is canceled, most airlines will rebook you on their first flight to your destination on which space is available, at no additional charge. If this involves a significant delay, find out if another carrier has space and ask the first airline if they will endorse your ticket to the other carrier. Finding extra seats may be difficult, however, especially over holidays and other peak travel times. </span></em></span></p>
<p><span style="color: #2449b7;"><em><span style="font-size: small;">Each airline has its own policies about what it will do for delayed passengers waiting at the airport; there are no federal requirements. If you are delayed, ask the airline staff if it will pay for meals or a phone call. Some airlines, often those charging very low fares, do not provide any amenities to stranded passengers. Others may not offer amenities if the delay is caused by bad weather or something else beyond the airline&#8217;s control. Contrary to popular belief, airlines are not required to compensate passengers whose flights are delayed or canceled. As discussed in the chapter on overbooking, compensation is required by law only when you are &#8220;bumped&#8221; from a flight that is oversold. Airlines almost always refuse to pay passengers for financial losses resulting from a delayed flight. If the purpose of your trip is to close a potentially lucrative business deal, give a speech or lecture, attend a family function, or connect to a cruise, you might want to allow a little extra leeway and take an earlier flight.”</span></em></span></p>
<p><span style="color: #2449b7;"><em><span style="font-size: small;"> </span></em></span></p>
<div id="attachment_445" class="wp-caption alignleft" style="width: 403px"><span style="color: #2449b7;"><em><img class="size-full wp-image-445" title="Passengers Waiting, Author, Rudi Riet, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/02/Passengers_Waiting.png" alt="Passengers Waiting, Author, Rudi Riet, Courtesy Wikimedia Commons" width="393" height="309" /></em></span><p class="wp-caption-text">Passengers Waiting, Author, Rudi Riet, Courtesy Wikimedia Commons</p></div>
<p>What’s the upshot of all this? Well, although we do have recourse when our flights are canceled, and we have some new protections under the law, airlines differ greatly in whether they use Rule 240, to what degree they use it, and how they use it. However, if the airline cancels your flight, and cannot offer a reasonable substitute, you are usually entitled to your money back under such circumstances. So at the very least, if your flight is canceled, you can purchase a ticket from another airline, knowing that you should be reimbursed from the old one for the canceled flight. Do remember; it isn’t always the airline’s fault. Blizzards and/or other weather conditions are beyond their control. The same holds true for changing political situations in destination countries. So if you have a problem with a canceled flight, approach the matter politely, but do carry a copy of your airline’s rules and conditions regarding your flight, and/or a copy of Rule 240 as it applies to that airline. It all helps!</p>
<p><span style="font-size: small;"><strong>One last word of advice; </strong>if you are in another country when your flight is canceled, and they want cash to purchase that ticket on another airline, you’d better have some of the local currency to hand. More importantly, you’d better know what its current exchange rate is with your money, or costly mistakes could be made. Just go to Currate.com to find regularly updated currency exchange rates, a great (easy-to-use) currency exchange calculator, and features that can be used on mobile phones with Internet browser capability. To do this at Currate.com, just go to <a href="http://currate.com/mbasic.php">http://currate.com/m.php</a>. For phones capable of more advanced features, you can use <a href="http://currate.com/menhanced.php">http://currate.com/e.php</a>. As if that weren’t enough, they also have actual images of all the world’s major currencies, and a point-and-click Earth map. Just point and click to your destination! This way, the traveler has instant access to everything they need with regard to matters of currency conversion.</span></p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com  Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com  Editor-in-Chief</p>
<p><strong><span style="font-size: small;">References:</span></strong></p>
<p><strong><span style="font-size: small;">Currate Currency Exchange Rates Tools:<br />
<a href="http://currate.com/" target="_blank">http://currate.com/</a><br />
</span></strong></p>
<h1><span style="font-size: small;">A canceled flight &#8230; so where’s my refund?<br />
<a href="http://www.msnbc.msn.com/id/35063110/ns/travel-tips/">http://www.msnbc.msn.com/id/35063110/ns/travel-tips/</a></span></h1>
<h1><span style="font-size: small;">Airline Flights Canceled, Delayed and Rule 240, or Possible Compensation<br />
<a href="http://airtravel.about.com/od/travelindustrynews/tp/rule240.htm">http://airtravel.about.com/od/travelindustrynews/tp/rule240.htm</a></span></h1>
<h1><span style="font-size: small;">Airlines&#8217; Rule 240: Myth or magic bullet?<br />
<a href="http://www.cnn.com/2008/TRAVEL/traveltips/03/12/rule.240/index.html">http://www.cnn.com/2008/TRAVEL/traveltips/03/12/rule.240/index.html</a></span></h1>
<h1><span style="font-size: small;">Aviation Consumer Protection and Enforcement, Department of Transportation<a href="http://airconsumer.dot.gov/publications/flyrights.htm#delayed"><br />
http://airconsumer.dot.gov/publications/flyrights.htm#delayed</a></span></h1>
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		<title>The Age of Hidden Fees &#8211; How To Save More Money When Traveling</title>
		<link>http://currate.com/blog/index.php/2010/01/the-age-of-hidden-fees-how-to-save-more-money-when-traveling/</link>
		<comments>http://currate.com/blog/index.php/2010/01/the-age-of-hidden-fees-how-to-save-more-money-when-traveling/#comments</comments>
		<pubDate>Fri, 22 Jan 2010 03:45:34 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
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		<guid isPermaLink="false">http://currate.com/blog/?p=422</guid>
		<description><![CDATA[<p>Let’s face it; it’s the age of hidden fees. Airlines, hotels, banks, credit card companies &#8212; all have discovered the fine art of charging hidden fees. It has become a major trend. Everybody seems to be in on the act. They quote one price, but when you finally get that bill, there are all those [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: small;">Let’s face it; it’s the age of hidden fees. Airlines, hotels, banks, credit card companies &#8212; all have discovered the fine art of charging hidden fees. It has become a major trend. Everybody seems to be in on the act. They quote one price, but when you finally get that bill, there are all those “extra” charges on it, as well. Some of those charges are quite creative and one almost has to admire the imagination that went into coming up with them. But imaginative or not, one thing is certain and that is that they will all cost you more money! For the unprepared, these hidden fees are not only an unpleasant surprise, but definitely an unpleasant added expense, as well. And those expenses add up!</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"> </span></p>
<div id="attachment_425" class="wp-caption alignleft" style="width: 334px"><img class="size-full wp-image-425" title="Travel Suitcase - Author, Producer, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Travel_Suitcase.png" alt="Travel Suitcase - Author, Producer, Courtesy Wikimedia Commons" width="324" height="259" /><p class="wp-caption-text">Travel Suitcase - Author, Producer, Courtesy Wikimedia Commons</p></div>
<p><span id="more-422"></span>How do you avoid this growing problem? Well, one way, obviously, is not to travel unless you have to for some particular reason. As our last article stated, times are tough all over, and traveling is an expense many people are foregoing, for now, at least. However, some people just can’t do this, such as students, businesspersons, those with jobs that require travel, and those needing to visit friends or relatives. For these people, and for others who still want to travel, but need to do it as cheaply as possible, here are some more cost-cutting methods to use. Follow them, and they will save you money. These are designed for all cost-conscious travelers, and not just those going on vacation. If you combine these measures with those mentioned in our previous article, you can further, and considerably, defray the costs of travel.</p>
<p><span style="font-size: small;"><span style="color: #0000ff;"><strong>FLYING:</strong></span> We’ve talked about researching airlines. However, no matter which one you end up with, as the saying goes, “it ain’t cheap” these days. Airlines are getting very good at tacking on hidden fees any which way they can. They do this by taking away free services, cutting employee staff, and generally charging more for existing services, as well as inventing new fees. These include fuel surcharge taxes, charges for reserving flights over the phone instead of the Internet, and added costs for checking baggage, among other things. Weight limits for luggage are being strictly observed by airlines these days. Why? Well, one reason is that if you slip up on this, “they” make more money. Go even slightly over that weight limit and it can really cost you! Checking extra bags will cost you. And for some airlines, even that first checked bag will have a charge coming with it.</span></p>
<div id="attachment_426" class="wp-caption alignright" style="width: 368px"><img class="size-full wp-image-426" title="Airline_Travel_Services_TakeOff" src="http://currate.com/blog/wp-content/uploads/2010/01/Airline_Travel_Services_TakeOff.png" alt="Airline Travel Services - Take Off -Author MarekV, Courtesy Wikimedia Commons" width="358" height="278" /><p class="wp-caption-text">Airline Travel Services - Take Off -Author MarekV, Courtesy Wikimedia Commons</p></div>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;">Also, some are charging for the use of headphones, even onboard food, and standard, non-alcoholic beverages. One friend of mine flew from Jamaica home to Raleigh. When he found out that he had to pay seven dollars for a measly cheese and tomato sandwich, and extra besides that for a beverage to go with it, he was so furious that he refused. Result? He arrived home thirsty and very hungry, after not having eaten anything of consequence for an entire day.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;">Yes, I know that most people don’t think seven dollars is very much. But add on drinks, add it coming and going, and add the costs of any other family members you are paying for, and believe me, that then becomes a substantial cost. What’s that old saying; “watch your pennies and the dollars will take care of themselves?” The airlines, hotels, and everyone else are sure doing it, so you had better think about doing it, too, if only as a defensive measure. You don’t want to become the proverbial “plucked pigeon,” monetarily speaking, just because you want to travel abroad.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">So Rule Number 1: </span>Call or go online and find out what all air flight charges are going to be. I mean the TOTAL charges for that flight, including the return trip; from fuel surcharges, taxes, and costs for extra baggage,to prices for headphones, food, and anything else for which they may want extra money from you. That “low” advertised price for a ticket will have expenses added to it; believe me, and sometimes, a lot! To know the total price, you must take the time to inquire up front. Otherwise, you could be very unhappily surprised and only after you’ve purchased your ticket.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"> </span></p>
<div id="attachment_428" class="wp-caption alignleft" style="width: 317px"><img class="size-full wp-image-428 " title="Author, Sfllaw, Hong Kong International Airport Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Hong_Kong_International_Airport.png" alt="Author, Sfllaw, Hong Kong International Airport Courtesy Wikimedia Commons" width="307" height="246" /><p class="wp-caption-text">Author, Sfllaw, Hong Kong International Airport Courtesy Wikimedia Commons</p></div>
<p><span style="font-size: small;">Check to make sure that things you assume are free are in fact, still without a charge. And, try to think BYOB, if you want to save costs and cut corners. That is, bring along with you whatever you can legally do so to defray costs. If they charge you for food, this can include some easy-to-eat food or prepackaged snacks. Beverages are a problem because of liquid prohibitions on planes, but you can supply your own headphones and such, at least. And remember to do this for both legs of the trip, coming and going. If they are charging for that little pack of peanuts, bring a package of your own for you, and for your family members. Again, these so-called “nickel and dime” costs can really add up, if you aren’t careful. The airlines know this, and so play this game. If it wasn’t worth their while to “nickel and dime” you, they wouldn’t bother – trust me!</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Rule Number 2: </span>After you have purchased your ticket, pay particular attention to your baggage. Again, airlines now often charge for extra baggage, and many charge even for that first piece of checked luggage. Go over the weight limits (or even the size limits), and you could be paying a hefty extra fee.</span></p>
<p><span style="font-size: small;">So remember that old adage; “he who travels light, travels quickly.” And remember, in this case, “he,” or “she,” will also travel more cheaply. So take stock of what you are taking. Consider the items carefully. When traveling to Europe, I pack layered clothing. By this, I mean I pack undershirts, shirts, sweaters, and a light jacket. Combined, all these can come to less than the weight of a single full coat, and yet offer the same warmth, if necessary. Also, this method is flexible. It allows me more choice in what I choose to wear, how much I wear, and when.</span></p>
<div id="attachment_429" class="wp-caption alignright" style="width: 267px"><img class="size-full wp-image-429 " title="Combination Suitcase And Chair  Public Domain, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Combination_Suitcase_And_Chair.png" alt="Combination Suitcase And Chair  Public Domain, Courtesy Wikimedia Commons" width="257" height="262" /><p class="wp-caption-text">Combination Suitcase And Chair  Public Domain, Courtesy Wikimedia Commons</p></div>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;">Think about what you really don’t need to take. Travel irons for pressing wrinkled clothes, hair dryers, even such sundry items as toothbrushes, razors, shampoo, soaps, and such, can usually be had at the destination hotel, most of the time for free. Almost all hotels I stay at (and these aren’t expensive ones, by any means), supply irons, hair dryers, shampoo, and soap. And if these aren’t to your liking, then local shops will supply them cheaply. Buy small quantities, enough to last your stay, so you aren’t wasting money in this respect. Better to do this than pay as much as $50.00 extra because you are just a pound or so over your weight limit. That would equal one very expensive bottle of shampoo! Even if there are two of you, airlines don’t average the weight of bags. If one is over a pound, and the other is still under by several pounds, it doesn’t matter. You will still pay extra!</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Rule Number 3:</span> Have a meal, if necessary, before going to the airport. Or, bring along a snack, even a beverage. You may not be able to take liquids on the flight, but if you haven’t passed through security yet, you usually can have beverages in the main terminal. Food and drink in airports can be enormously expensive, depending on the airport. And if you get hungry while waiting for your flight, or you are just in between flights, airline food can add on costs to your trip and in a hurry! For two adults, a simple meal with a beer, for instance, at some airports, can run you $60.00 or more. So try not to give in to temptation while at the air terminal. It can cost you. The simple expedience of bringing along a bag of trail mix, or a candy bar or two, could save you big bucks – coming and going!</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #3366ff;">GROUND TRANSPORTATION:</span> When traveling to other countries, check ahead of time as to what ground transportation is available, where it is located (with regard to airports, points of interest, and hotels). Find out the different methods and ascertain which are the cheapest and most expedient.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Subways:</span> Although subways are usually a great bargain just about anywhere, if you are lugging heavy baggage along, climbing and descending numerous flights of stairs, struggling to get suitcases onto trains, pushing through rush-hour crowds, then subways may not be a good idea. (This is another reason to travel light, baggage-wise.) However, subways are usually very cheap and I use them. If you are planning to stay in one city for a while, you can usually get multiple-day passes, which are a real bargain. Do it.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Buses:</span> I also use bus lines. These, too, often have multiple-day passes. In London, I buy a pass that allows me to use either the “tube” or the bus service for several days. It’s absolutely the cheapest way to get to just about anywhere in that city, and even some points beyond it. Again, lots of luggage can be a problem for this method, struggling on and off buses with heavy bags, but it’s still a very good and cheap way to go.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Taxies:</span> Taxies in Europe or the United Kingdom, as well as other places, are usually the most expensive way to travel, and sometimes the drivers can be a bit shady, although I’m sure most are not. However, as an example, I came out of the “tube” (subway) at Notting Hill Gate in London. I hailed a taxi to take me to my hotel, which was nearby (where exactly, I didn’t know). He didn’t recognize the name of the hotel and so couldn’t find it. I told him it had to be within a few streets of the station at most, according to the description the hotel manager had given me over the phone. Nine British Pounds Sterling later, we arrived at the hotel. It was around the corner from the subway station, not more than 75 feet away. Was the driver being honest in not knowing the location of the place? I just don’t know. But in American money at the time, that cost me $20.00 to find out my hotel was less than a hundred feet from where I had hailed the taxi. Why did I hail a taxi? Because I had lots of luggage on that trip, that’s why. See what I mean about traveling light? Yes…I learned the hard way.</span></p>
<div id="attachment_430" class="wp-caption alignleft" style="width: 358px"><img class="size-full wp-image-430" title="eurostar european high speed train Author, Leon Brocard, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/eurostar_european_high_speed_train.png" alt="eurostar european high speed train Author, Leon Brocard, Courtesy Wikimedia Commons" width="348" height="277" /><p class="wp-caption-text">eurostar european high speed train Author, Leon Brocard, Courtesy Wikimedia Commons</p></div>
<p>Trains: Trains in Europe are generally a good bargain, and although not so much in the United Kingdom, they still are much better than here in the United States. Also, both mainland Europe and the United Kingdom have very good train systems. Although the British system over the last ten years has worsened some, in my opinion, they still travel to many places. Trains are often, and the rides are comfortable. You can “get there from here,” on them in mainland Europe, and the United Kingdom. However, as mentioned in the prior article, you might want to consider renting a car if you plan many long-distance trips, because train fares can really add up over time, especially if more than one person is traveling.</p>
<p><span style="font-size: small;"><span style="color: #99cc00;">Car Rentals:</span> First, please understand this; car rentals always cost more than the advertised price, almost without exception! This is true whether we’re talking about here in the United States, or abroad. Fees always are tacked on. These can include insurance fees, road use fees, surcharges of various sorts, extra charges for that “extra” driver, taxes, and fees for any type of navigational devices, among others.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;">So, here’s that BYOB rule again; if you have a navigational device, pay for a map of your destination before leaving home. Download it, and use it when you get there. Even though maps for such devices aren’t cheap, as I’ve found out, they are far cheaper than renting that navigational device from a car rental agency. On my trip last year, I was charged the equivalent of almost $32.00 USD a day for the device! And you know, it was still worth it. I saved countless hours of time in not getting lost and in gas savings. Europeans just are not great on posting street signs, or at least not where one can see them in time to be of any use. All that extra saved time went to see more things. But do check out car rental costs carefully. Know the total amount. It can be high. Still, for a family, as mentioned in the prior article, a car rental could very well be the way for you to go.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><span style="color: #3366ff;">KNOW THE CURRENCIES: </span>This is essential. Whether you are flying to locations that use different currencies, or your trip just involves one different one – know the currency! You need to know it by sight, so you don’t use the wrong bills for tips and such (as I did in Austria), and you need to know its current rate of exchange. If you don’t know that, then you don’t know what those meals, tourist sites, gasoline prices, hotel fees, souvenirs, and all are really costing you. And if you are using a credit card, well, upon your arrival home, and when that bill arrives, it can be an awful surprise. So again, know the currency, know its current rate of exchange, and be able to calculate costs so that you can translate them into your own money. This will save you money!</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"><a href="http://currate.com" target="_blank"><span style="color: #99cc00;">Currate.com:</span></a> To be able to do all of this, I recommend Currate.com. It has images of almost all the world’s currencies; you can familiarize yourself with your destination ones. It has regularly updated conversion rates, so you will have timely information on what the exchange rate is. It has a Google Earth style map where you can point and click to your destination. Also, it has a currency converter calculator. Want to know what that souvenir is really costing you? Just use the currency converter calculator to find out. And with regard to that, if you are traveling and have a mobile phone with Internet browser capability, just go to <a href="../../../../../../m.php">http://currate.com/mbasic.php</a>. For phones with more advanced features, use <a href="../../../../../../e.php">http://currate.com/menhanced.php</a>. This way, you will have instant access to everything you need with regard to matters of currency conversion. Believe me, knowing this will save you money! And in the current worldwide economic situation, this is always a good idea.</span></p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;">We live in an age where corporate greed has turned craftier than ever. Again, it is the age of hidden fees, of having airlines, banks, credit card companies, hotels, and others  trying to “nickel and dime you to death.” So take my advice and fight back. And one of the best ways to do this is to know what all the costs are going to be up front. Then, you can at least try to defray them in some way. Otherwise, you are just a helpless victim. And really consider this approach, because these fees not only aren’t going away in the near future, they are going to get worse! Trust me. It will happen. And you don’t have to look into a crystal ball to know this. The future, in this regard, is sadly all too obvious.</span></p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com Editor-in-Chief</p>
<p><span style="font-size: small;"> </span></p>
<p><span style="font-size: small;"> </span></p>
<p><strong><span style="font-size: small;">References:</span></strong></p>
<p><span style="font-size: small;">Ten Money-Saving Travel And Vacation Tips<br />
<a href="http://goflorida.about.com/od/couponsdiscounts/a/moneysavingtips.htm">http://goflorida.about.com/od/couponsdiscounts/a/moneysavingtips.htm</a></span></p>
<p><span style="font-size: small;">CNN 9 Money-Saving Travel Tips<br />
<a href="http://www.cnn.com/2009/TRAVEL/traveltips/01/20/money.saving.tips/index.html">http://www.cnn.com/2009/TRAVEL/traveltips/01/20/money.saving.tips/index.html</a></span></p>
<p><span style="font-size: small;">Money-Saving Travel Tips<br />
<a href="http://www.parents.com/fun/vacation/planning/money-saving-travel-tips/">http://www.parents.com/fun/vacation/planning/money-saving-travel-tips/</a></span></p>
<p>Money Saving Tips the Travel Industry Doesn&#8217;t Want You to Know<br />
<a href="http://www.deliciousbaby.com/journal/2008/jun/19/money-saving-tips-travel-industry-doesnt-want-you-/">http://www.deliciousbaby.com/journal/2008/jun/19/money-saving-tips-travel-industry-doesnt-want-you-/</a></p>
<p><span style="font-size: small;">The Wend Perrin Report<br />
<a href="http://www.concierge.com/cntraveler/traveltips/11316">http://www.concierge.com/cntraveler/traveltips/11316</a></span></p>
<p><span style="font-size: small;">Amazing Money-Saving Tips<br />
<a href="http://www.guardian.co.uk/travel/2009/feb/07/budget-travel-guide-credit-crunch">http://www.guardian.co.uk/travel/2009/feb/07/budget-travel-guide-credit-crunch</a></span><br />
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		<title>Traveling In Hard Times, Some Ideas</title>
		<link>http://currate.com/blog/index.php/2010/01/traveling-in-hard-times-some-ideas/</link>
		<comments>http://currate.com/blog/index.php/2010/01/traveling-in-hard-times-some-ideas/#comments</comments>
		<pubDate>Wed, 13 Jan 2010 00:30:18 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[Caribbean]]></category>
		<category><![CDATA[Hotels]]></category>
		<category><![CDATA[Low Cost Vacation Plan]]></category>
		<category><![CDATA[Off-Season]]></category>
		<category><![CDATA[Some Ideas for Travel]]></category>
		<category><![CDATA[Southwest Airline]]></category>
		<category><![CDATA[Tips for Traveling]]></category>
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		<category><![CDATA[Traveling in hard times]]></category>
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		<description><![CDATA[<p>Times are tough. We all know this. It’s all we hear about in the news. Unem­ployment is high. People are losing their homes. Businesses and banks are failing. This sort of negative environment makes traveling difficult for many of us, because right now, we either can’t afford the expense, or maybe we feel we shouldn’t, [...]]]></description>
			<content:encoded><![CDATA[<p>Times are tough. We all know this. It’s all we hear about in the news. Unem­ployment is high. People are losing their homes. Businesses and banks are failing. This sort of negative environment makes traveling difficult for many of us, because right now, we either can’t afford the expense, or maybe we feel we shouldn’t, “just in case.” This is usually because we feel that we don’t know what might be coming next, so better to hang on to our money. And this is especially true of people with families to consider. The costs of traveling in such uncertain times can seem prohibitively high. But there are some ways around this problem, some possible solutions. One doesn’t have to give up and just stop traveling abroad.</p>
<div id="attachment_407" class="wp-caption alignleft" style="width: 415px"><img class="size-full wp-image-407" title="2007-2009 map of world showing countries in recession (red) or with economic slowdowns (pink). Author, Felipe Menegaz, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Map_of_World_Showing_Countries_In_Recession.png" alt="2007-2009 map of world showing countries in recession (red) or with economic slowdowns (pink). Author, Felipe Menegaz, Courtesy, Wikimedia Commons" width="405" height="259" /><p class="wp-caption-text">2007-2009 map of world showing countries in recession (red) or with economic slowdowns (pink). Author, Felipe Menegaz, Courtesy, Wikimedia Commons</p></div>
<p><span id="more-404"></span>If current styles of trips, such as cruises and “grand tours” are just not in the picture for you right now because of high costs, there are still interesting alternatives. You can still take a trip abroad and relatively cheaply. Believe me when I say, it’s still possible, because I do it.Here are some things you can do in regard to defraying travel costs in a big way. First, as always, and everyone will tell you this; research your trip well in advance! Figure out where you really want to go. The sooner you do this and the sooner you book, the cheaper it will most likely be. Last minute air flights are usually much more expensive than those booked well in advance.</p>
<div id="attachment_408" class="wp-caption alignright" style="width: 408px"><img class="size-full wp-image-408" title="Southwest Airline" src="http://currate.com/blog/wp-content/uploads/2010/01/Southwest_Airline_Plane.png" alt="Southwest Airline" width="398" height="311" /><p class="wp-caption-text">Southwest Airline</p></div>
<p>The same holds true with hotels. When you book early, you can take advantage of promotional “specials,” discounts, etc. Actively look for these. Try booking your trip in the off-season for flights and hotels, rather than in the peak of the high season. You can even do it for just the week before the high season begins, or the week after it ends, and the difference in prices can be dramatic, and we’re only talking one week here, folks!</p>
<p>Consider allowing connecting flights as part of your trip, rather than “non-stop.” These can be cheaper (see travelzoo web site to give you the idea). Be more flexible if you can, on the dates of departure and arrival. Midweek is usually a good deal cheaper to travel than weekends, for instance. Traveling just before, or after holidays, can be quite costly.</p>
<p>But between air flight costs and hotels, by using these cheaper approaches, this alone could save you hundreds, or even thousands of dollars right at the very start. But it doesn’t stop there. Some destinations are much higher priced than others are. This can be for any number of reasons, but they can include location, weather, general desirability (views, etc.), being a current “hotspot,” and other various causes. However, there are also similar locations with almost all the same attributes and/or amenities, and they are a good deal less expensive, sometimes surprisingly so! So be creative. Be imaginative.</p>
<div id="attachment_409">
<div id="attachment_409" class="wp-caption aligncenter" style="width: 610px"><img class="size-full wp-image-409" title="Snow covered cars at a parking lot during the Dec 2009 blizzard, Pentagon City, Arlington, VA Author, Mariordo Mario Roberto Duran Ortiz, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Snow_covered_cars_at_a_parking_lot.png" alt="Snow covered cars at a parking lot during the Dec 2009 blizzard, Pentagon City, Arlington, VA Author, Mariordo Mario Roberto Duran Ortiz, Courtesy, Wikimedia Commons" width="600" height="205" /><p class="wp-caption-text">Snow covered cars at a parking lot during the Dec 2009 blizzard, Pentagon City, Arlington, VA Author, Mariordo Mario Roberto Duran Ortiz, Courtesy, Wikimedia Commons</p></div>
</div>
<p>As an example, with this abominably frigid winter, are you dying for that island vacation in the sun? Well, if you live on the East Coast of the United States, that trip to Hawaii is a long and expensive one. Just getting there can really cost, especially if the whole family is traveling. So, why not select a different island, like one in the Caribbean? It’s much closer, so travel time is much less, airline costs are much less, and the hotels often are much lower in price. Yet, you have the same tropical settings, the same sort of beaches, mountains, and aqua-blue ocean views.</p>
<p>Is it Hawaii? No. But then Hawaii isn’t Jamaica, either. Jamaica and other island nations are places with their own distinct national cultures, unique foods, beautiful views, and fascinating places to visit. Whether it’s those white sandy beaches, lush tropical environments, clear swimming pools, cascading waterfalls, even volcanoes, or eco-tours, the Caribbean has them. So does Central America and these also are relatively inexpensive. Why not take a trip to Costa Rica, for example? They have everything I’ve mentioned above and more.</p>
<p>But even with the Caribbean, choose your destination carefully. Some island stays can be far more expensive than others can. St. Thomas, for example, although beautiful, in general can cost much more for hotels, food, golf, etc., than, say, Jamaica, or St. Kitts. But even here, if you research well and early enough, there are bargains to be had. Again, your research should be all encompassing and include air flights, hotels, food costs, and any other amenities such as golf, diving, day boat trips, and such.</p>
<div id="attachment_410" class="wp-caption alignleft" style="width: 425px"><img class="size-full wp-image-410" title="Southampton Portland Terrace bus stops, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Southampton_Portland_Terrace_bus_stops.png" alt="Southampton Portland Terrace bus stops, Courtesy, Wikimedia Commons" width="415" height="273" /><p class="wp-caption-text">Southampton Portland Terrace bus stops, Courtesy, Wikimedia Commons</p></div>
<p>Even for the standard trips abroad, there are many ways to defray costs considerably. If you are traveling to Europe, again, research the trip thoroughly and book early! I can’t say that enough. And there are many savings to be had. In England, if you don’t mind comfort-style food, pubs are usually much cheaper than hotels and standard restaurants for meals. Instead of staying in expensive London, book a B&amp;B just outside of it, in a more rural area. Daytrips to London are relatively cheap by train, and bus. Or, try renting a car to get around the country. This is a good way to go if you have your whole family with you, because train ticket costs can add up quickly. Or, do what we did, and take a standard bus and let it run its full route. They usually circle right back to where they started. I did this in Edinburgh, Scotland, and in Blackpool, and the surrounding countryside there. Again, it was fun. I hopped on and off the bus, had lunch in a pub, shopped at a flea market (the kids loved it); saw the ports, and lots of open countryside. And it was dirt cheap, as they say! I also had nice chats with locals on the bus.</p>
<p>I’ve just recently booked a trip where I’m staying at places for an entire week, but only at what the cost of a couple nights’ stay in downtown London would be. When booking tickets for various manor houses, the Tower of London, and such similar places, look for possible discounts. If you are buying tickets for multiple places, it will be cheaper in the long run. I did this with theTower of London and  Hampton Court Palace. It was decidedly less expensive than buying them singly.</p>
<div id="attachment_411" class="wp-caption alignright" style="width: 307px"><img class="size-full wp-image-411" title="Cowley house at Broadway (Worcestershire), England  Bed and Breakfast, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Bed_And_Breakfast_at_Broadway_Worcestershire_England.png" alt="Cowley house at Broadway (Worcestershire), England Bed and Breakfast, Courtesy, Wikimedia Commons" width="297" height="193" /><p class="wp-caption-text">Cowley house at Broadway (Worcestershire), England  Bed and Breakfast, Courtesy, Wikimedia Commons</p></div>
<p>Do you need another example? If in France, there are many lower-priced places to stay, if you are willing to be somewhere other than right in the heart of the main tourist district. Also, eating at little local cafes, or buying your “continental breakfasts” at bakeries yourself, or staying at hotels that include breakfast as part of the cost, are all ways to reduce expenses. This will help you to keep to a tight budget. Try for hostels and private homes as alternative places to stay. Use online websites that advertise rooms in such places. There are even exchange sites, where you can stay at someone’s house free, if you let them use yours in return. All the information is there on the Internet on how to help you dramatically lower costs. All you have to do is use it and research it.</p>
<p>No, the times may not be right for dining out at expensive restaurants for every meal for you and your family, or flying and traveling by train anywhere and everywhere you might want to do so. But, one can still travel, and sometimes quite cheaply. So, rather than a gourmet dinner in that so expensive restaurant in Rome, why don’t you try a simple picnic instead? How about that view from your hotel room’s little balcony as the setting?</p>
<div id="attachment_412" class="wp-caption alignleft" style="width: 394px"><img class="size-full wp-image-412" title="Bistro 1900, Author, Croquant, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/Bistro_1900.png" alt="Bistro 1900, Author, Croquant, Courtesy, Wikimedia Commons" width="384" height="333" /><p class="wp-caption-text">Bistro 1900, Author, Croquant, Courtesy, Wikimedia Commons</p></div>
<p>I did this. I bought olives, good bread, meats, fruit, and local wine at nearby market places. So did my fellow travelers. We all shared and had a wonderful party on adjacent balconies, overlooking Rome. In England, I bought fresh produce, bread, cheeses, and cold cuts at local markets, and had a picnic in the ruins of an old abbey. It was fantastic! And, the leftover food made for good, tasty, and nutritious snacks in the Bread and Breakfast room that evening.</p>
<p>Try taking walking tours, instead of always using transportation. Stroll along. Walk through various neighborhoods. See how the local people really live. Eat where they eat. Drink in their local pubs or taverns. Believe me; they know the bargain places. Seek out free places to go that are fun, interesting, and really worth the visit! I walked part of the coast of Devon, England, for example, and packed my own meals for the day. I took breaks on cliff tops overlooking magnificent ocean views. And all that cost me was the price of some food from a local baker and green grocer. For a family, this sort of thing really lowers the costs of travel and it’s fun!</p>
<p>And at the end of the day, you can treat everyone by stopping for hot tea and a few cakes at some local village teashop. This is a lot less expensive than treating the whole family to a restaurant meal. The advantages of this sort of thing are not only reduced costs, but you get to meet more people this way (walkers are very friendly), see some of the local beauty at a leisurely pace instead of racing by it in a bus, train, or car. You really get to know the country in a different, much more intimate way.</p>
<p>Another way to go is package tours. These can save you a great deal of money, since they usually include all local travel in the destination country, hotels, and some meals. Also, porter fees and such are often included in the package. Rather than staying at expensive hotels, let the travel tour company handle that for you, by providing lower cost (sometimes very much lower) accommodations that are very good. Plus, such tours usually include the costs of entry to various tourist sites. Be careful though, some tour companies cater to the wealthier. So look for those that cater to the more budget-minded. Trafalgar Tours is one of these. There are others.</p>
<div id="attachment_413" class="wp-caption alignright" style="width: 364px"><img class="size-full wp-image-413 " title="A finger post at Littleham Cove (west of Exmouth, Devon)  Author Geof Sheppard, Courtesy, Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2010/01/finger_post_at_Littleham_Cove.png" alt="A finger post at Littleham Cove (west of Exmouth, Devon) Author Geof Sheppard, Courtesy, Wikimedia Commons" width="354" height="460" /><p class="wp-caption-text">A finger post at Littleham Cove (west of Exmouth, Devon)  Author Geof Sheppard, Courtesy, Wikimedia Commons</p></div>
<p>So, give it a shot! Don’t just give up and say that the trip isn’t possible this year. Decide for yourself that you can do it, and then go about doing it! Again, be imaginative.</p>
<p>Below, are some references that will lead you to various sites that may be of help in this regard. And above all, take that trip. It still can be within your budget, despite these terrible economic times. In any case, with all the pressures on us of late, what better time to take a break from them, than right now? The times almost demand it.</p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com Editor-in-Chief</p>
<p><strong>References:</strong></p>
<p>Foreign Travel Ideas for the Quirky and Frugal<br />
<a href="http://www.associatedcontent.com/article/342988/foreign_travel_ideas_for_the_quirky.html?cat=16">http://www.associatedcontent.com/article/342988/foreign_travel_ideas_for_the_quirky.html?cat=16</a></p>
<p>Kayak.com<br />
<a href="http://www.kayak.com/">http://www.kayak.com/</a></p>
<p>Virtual Tourist<br />
<a href="http://www.virtualtourist.com/">http://www.virtualtourist.com/</a></p>
<p>Wiki Travel<br />
<a href="http://wikitravel.org/en/Main_Page">http://wikitravel.org/en/Main_Page</a></p>
<p>Trafalgar Tours<br />
<a href="http://www.trafalgar.com/USA/Home">http://www.trafalgar.com/USA/Home</a></p>
<p>Affordable Tours<br />
<a href="http://www.affordabletours.com/">http://www.affordabletours.com/</a></p>
<p>Eurotrip<br />
<a href="http://www.eurotrip.com/">http://www.eurotrip.com/</a></p>
<p>Rick Steve’s Europe<br />
<a href="http://www.ricksteves.com/plan/tips/tips_menu.htm">http://www.ricksteves.com/plan/tips/tips_menu.htm</a></p>
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		<title>Alternatives to Flying, How about A Cheap and Slow Cruise Boat Trip?</title>
		<link>http://currate.com/blog/index.php/2009/12/cheap-and-slow-cruise-boat-trip/</link>
		<comments>http://currate.com/blog/index.php/2009/12/cheap-and-slow-cruise-boat-trip/#comments</comments>
		<pubDate>Thu, 10 Dec 2009 15:27:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
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		<description><![CDATA[<p>We’ve said it before, but it bears repeating; many of us just hate traveling by plane. For some, it is out of a real fear of flying. For others, the sheer, cattle-car style of transportation, those crowded flights, is what we hate. Most of us now dread the task of just “getting there.” Unlike those [...]]]></description>
			<content:encoded><![CDATA[<p>We’ve said it before, but it bears repeating; many of us just hate traveling by plane. For some, it is out of a real fear of flying. For others, the sheer, cattle-car style of transportation, those crowded flights, is what we hate. Most of us now dread the task of just “getting there.” Unlike those vanished days of yesteryear when the traveling itself was a big part of the adventure, today, it is just no longer much fun. Far too many of us now just see it as a necessary obstacle to overcome, so we can get to where we can start actually having a good time, our destination. The Golden Age of travel is no longer, it seems.</p>
<div id="attachment_357" class="wp-caption alignleft" style="width: 310px"><a href="http://currate.com/blog"><img class="size-medium wp-image-357" title="Cruise Ship in Ensenada, Mexico, Author Tomás Castelazo, Courtesy of Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/cruiseship-300x235.png" alt="Cruise Ship in Ensenada, Mexico, Author Tomás Castelazo, Courtesy of Wikimedia Commons" width="300" height="235" /></a><p class="wp-caption-text">Cruise Ship in Ensenada, Mexico, Author Tomás Castelazo, Courtesy of Wikimedia Commons</p></div>
<p>Or is it? Did you know you don’t necessarily have to fly, not if you have the time? Yes, we all know about trains, and those are great for actually “seeing” places, the actual countryside throughout mainland Europe, as well as the United Kingdom, and other destinations. But how about when it comes to having to cross the oceans? Then our alternatives are less, of course, but there still are alternatives.<span id="more-350"></span></p>
<p>For instance, cruise ships offer one way to go. It is actually possible to travel from one location to another, without having to perform a cruise “loop,” as in, say, a Caribbean cruise of the islands, which starts in South Florida and ends there. Instead, you can actually take part of the cruise, in some instances. Or, for example, just go from New York to London. As the article, One-Way Cruises, mentions, you can take the Fred Olsen Cruise Line, which starts and ends in London, but only stay aboard until you reach Los Angeles, just a part of the trip. Some cruises start in an American port and finish in another, so that you can use them to get from point “A” to point “B.”</p>
<p>With cruise ships, you must allow for considerable time, since they stop at many ports for the entire day in order to allow the regular passengers to enjoy them. And, of course, cruise ships entertain and feed their passengers constantly, so if that’s your thing, and you are in no rush, then cruises ships are one way to avoid having to fly. Cruise ships also allow you to take extra luggage without penalties, which is another good thing for those of us who can’t exist out of just one or two small suitcases for weeks at a time. The drawbacks? Well, cruise ships don’t always go where you want to go, they can be expensive, as well as being very crowded.</p>
<div id="attachment_356" class="wp-caption alignright" style="width: 310px"><img class="size-medium wp-image-356" title="Freighter, Courtesy Wikmedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/freighter-300x133.png" alt="Freighter, Courtesy Wikmedia Commons" width="300" height="133" /><p class="wp-caption-text">Freighter, Courtesy Wikmedia Commons</p></div>
<p>There is another alternative. This one captures my imagination; that is, traveling by freighter. Why? Because when I was young, my parents took me down to the docks in San Diego, California, to look at the ships. We were standing on one pier, as my ex-navy father pointed out the various features of a cargo ship. Suddenly, a crewman hailed us from on board. He invited us to tour the vessel. With some trepidation, for my mother had fears of us all being “shanghaied,” we boarded the ship. The crewmember, an accommodating Greek man by the name of Erasmus, gave us a complete tour of the entire vessel. We met other crew, and then to our surprise, were invited to lunch with the captain and officers. There we were, eating a sumptuous meal, with stewards in attendance, and chatting as best we could with our hosts. It was a wonderful experience, and one I’ll never forget! So traveling by freighter is something I suggest you might want to do.</p>
<p>Freighters often have room for a few passengers and surprisingly, their accommodations are quite good with spacious staterooms. These are often bigger than cabins on cruise ships. What’s more, traveling by cargo ship allows you to visit sometimes very exotic ports, not just ones on the usual cruise lines’ itineraries – translation – “tourist traps.”</p>
<div id="attachment_355" class="wp-caption alignleft" style="width: 310px"><img class="size-medium wp-image-355" title="Exotic Port of Hong Kong, Author Acred99, Permission Matthew Laird, Carl Manfred Luig, Courtesy of Wikimedia Commons." src="http://currate.com/blog/wp-content/uploads/2009/12/HongKongPort-300x171.png" alt="Exotic Port of Hong Kong, Author Acred99, Permission Matthew Laird, Carl Manfred Luig, Courtesy of Wikimedia Commons." width="300" height="171" /><p class="wp-caption-text">Exotic Port of Hong Kong, Author Acred99, Permission Matthew Laird, Carl Manfred Luig, Courtesy of Wikimedia Commons.</p></div>
<p>Also, although the food is quite good if not very varied, the hours in which you will be served meals are far more limited than on a cruise ship. However, many cabins have storage spaces for you to stock some of your own food specialty items, and often passengers have access to a pantry whenever they wish. However, standards of accommodation all depend on the freighter in question, and the price they are charging. The higher the price, the more likely you are to get all the amenities. Speaking of prices, it is more the rule than the exception that freighters are far cheaper than cruise ships, precisely because they don’t offer an endless, diverse variety of entertainment, and round-the-clock meals. So if price is of importance to you, think about traveling by freighter. And don’t fret, because freighters’ accommodations are usually well worth the money you do pay. Times have changed, so have the standards of service on cargo ships, and for the better.</p>
<p>What are the positive attributes of traveling this way? Well, instead of just trying to “get there,” to start having fun, you will probably enjoy the journey itself. The freighters mostly have some sort of bar, often at least a small swimming pool, basic gymnasium and/or sauna, and even a lounge with books. Again, do remember this varies from ship-to-ship, and if the ship is French, for instance, those books might be predominantly in French. So take some bestsellers along with you. Take whatever helps you pass the time. Also, the cabins/staterooms often have many amenities, including such things as board games, CD players, and such.</p>
<p>However, when traveling by freighter, your emphasis should be on having a leisurely experience, of getting to know people, the ship and the crew, and of often entertaining yourself. There will be very few other passengers to mingle with, but that makes you special. You will undoubtedly meet the captain, officers, and many of the crewmembers. All told, between the ship’s crew and the few passengers who are on board, there may be no more than 30 or 40 people aboard a freighter at most, as opposed to perhaps thousands on a cruise liner. Children will probably be non­existent. So take the opportunities offered of any tours of the ship that may be given. Learn the vessel. Attend the evening get-togethers, and above all, relax!</p>
<div id="attachment_354" class="wp-caption alignright" style="width: 265px"><img class="size-medium wp-image-354" title="Finnish Cargo Ship, MS Global Freighter, Stateroom, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/FinnishCargoShipStateRoom-255x300.png" alt="Finnish Cargo Ship, MS Global Freighter, Stateroom, Courtesy Wikimedia Commons" width="255" height="300" /><p class="wp-caption-text">Finnish Cargo Ship, MS Global Freighter, Stateroom, Courtesy Wikimedia Commons</p></div>
<p>What are the negative attributes? Well, freighters usually do take longer to “get there,” because they have to load and unload cargo at different ports, hence the term, “slow boat.” Ports-of-call can change suddenly and so you may be disappointed if you had your heart set on seeing a particular one. And freighters don’t tarry long at such ports. They get in, unload, load (however long that may take), and then get underway. Sometimes, they do have delays, waiting for a berth at a particularly crowded port. These can even be several days in length.</p>
<div id="attachment_353" class="wp-caption alignleft" style="width: 224px"><img class="size-full wp-image-353" title="Bridge and Helmsmen of Freighter, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/BridgeAndHelmsen.png" alt="Bridge and Helmsmen of Freighter, Courtesy Wikimedia Commons" width="214" height="277" /><p class="wp-caption-text">Bridge and Helmsmen of Freighter, Courtesy Wikimedia Commons</p></div>
<p>Once in port, your freighter is usually at an industrial one, not one geared for tourists. This means you will have to come up with your own means of getting somewhere interesting, in town, or wherever, and you had better have some of the local currency ahead of time. For this, I suggest using Currate.com. <a href="http://currate.com" target="_blank">Currate.com</a>’s website, is very user friendly. They have actual images of over 180 currencies, an online currency conversion calculator, and a <a href="http://currate.com/map.php" target="_blank">Google-style world map</a> you can use to just point and click to your country of destination. Currate.com even has a mobile phone feature for those whose mobiles have Internet browser capability. Just go to <a href="http://currate.com/mbasic.php" target="_blank">http://currate.com/m.php</a>. If your mobile phone has enhanced features, then why not try <a href="http://currate.com/menhanced.php" target="_blank">http://currate.com/e.php</a>, instead. This way, you will know the local currencies by sight, know what the current conversion rates are, and can take along some of each currency ahead of time. So, if you need to hire a taxi at the docks to get you to town, or hop the local bus, you’ll have local money to pay the fares.</p>
<p>And speaking of fares, these really do vary for travel by freighter. They differ based on which ship you are taking, the company involved, where you are traveling, how far, and when. Also, you must use a <span style="text-decoration: underline;">travel agent to book your trip</span>. But they are still far cheaper than cruise lines. For instance, an 84-day trip, hitting ports in the Atlantic Ocean, as well as the Pacific, can go for as little as $10,000. That’s almost three months at sea, numerous ports, and all your meals and lodging covered. Compared to standard cruises, that’s an incredible bargain!</p>
<p>One great site, which is set up very similar to <a href="http://currate.com/map.php" target="_blank">Currate.com’s Google-style Earth map</a>, is:</p>
<p><a href="http://www.strandtravelltd.co.uk/voyages/destinations-and-prices/">http://www.strandtravelltd.co.uk/voyages/destinations-and-prices/</a>. Here, you can click on your start and stop locations, and it shows you the full length of the voyage and costs, or points where you may board along the way at considerably reduced costs. For instance, the cost for a partial trip aboard a freighter shows:</p>
<p><strong><span style="color: #008000;">Hamburg &#8211; Singapore 33 – 37 Days<br />
</span><span style="color: #008000;"><span style="color: #008000;">Cost: £2,845 or </span></span><span style="color: #008000;"><strong>$</strong>4,629</span></strong><strong><span style="color: #008000;"> </span></strong><strong><span style="color: #008000;">. (<a href="http://currate.com" target="_blank">Currate.com</a> )<br />
</span></strong></p>
<p>That’s over <span style="text-decoration: underline;">a month of travel</span>, various ports of call, and going half way around the world or more, into the bargain. Consider what a whole month on a cruise ship would cost compared to that freighter. Really, when it comes to prices, there is no comparison.</p>
<p>Does traveling by freighter have its drawbacks? Yes, but if you have the time, they can be an eye-opening, marvelous, casual, relaxed, and comfortable way to take a journey. Always keep in mind, though, that where you embark and debark can depend on the particular freighter, its schedule, and rules for passengers booking trips. So do your research. Also, freighters are generally smaller than cruise ships and lack stabilizers. This means you will feel the motion of the sea more. If you are prone to seasickness, then freighters may not be the way to go for you. But if this isn’t a problem, why not try traveling by cargo vessel for a change? It would give you a chance to enjoy the trip itself, rather than just trying to “get there.” That’s something our times seem to have lost, that ability to have fun during the trip, as well as at the destination. Freighters, as in a ‘slow boat to China,” could bring this back for you. It allows you to “stop and smell the roses,” or in this case, the salt air.</p>
<div id="attachment_352" class="wp-caption alignright" style="width: 310px"><img class="size-medium wp-image-352" title="Sunset in Tawian, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/SunsetInTawian-300x255.png" alt="Sunset in Tawian, Courtesy Wikimedia Commons" width="300" height="255" /><p class="wp-caption-text">Sunset in Tawian, Courtesy Wikimedia Commons</p></div>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com Editor-in-Chief</p>
<p><strong>References:</strong></p>
<p><strong>Brief History of the Cruise Line Industry</strong><br />
<a href="http://www.jobmonkey.com/cruise/html/a_brief_history.html">http://www.jobmonkey.com/cruise/html/a_brief_history.html</a></p>
<p><strong>Welcome to Strand Voyages</strong><br />
<a href="http://www.strandtravelltd.co.uk/">http://www.strandtravelltd.co.uk/</a></p>
<p><strong>One-Way Cruises</strong><br />
<a href="http://www.petergreenberg.com/2009/09/29/one-way-cruises/">http://www.petergreenberg.com/2009/09/29/one-way-cruises/</a></p>
<p><strong>Travelers Not Tourists</strong><br />
<a href="http://www.strandtravelltd.co.uk/voyages/travellers-not-tourists/">http://www.strandtravelltd.co.uk/voyages/travellers-not-tourists/</a></p>
<p><strong>Destinations And Prices</strong><br />
<a href="http://www.strandtravelltd.co.uk/voyages/destinations-and-prices/">http://www.strandtravelltd.co.uk/voyages/destinations-and-prices/</a></p>
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		<title>ATM Costs Around The World – What Banks Really Charge</title>
		<link>http://currate.com/blog/index.php/2009/12/atm-costs-around-the-world/</link>
		<comments>http://currate.com/blog/index.php/2009/12/atm-costs-around-the-world/#comments</comments>
		<pubDate>Wed, 02 Dec 2009 18:23:58 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[Around The World]]></category>
		<category><![CDATA[ATM]]></category>
		<category><![CDATA[ATM Conversion Fees]]></category>
		<category><![CDATA[ATM Costs]]></category>
		<category><![CDATA[ATM Fees]]></category>
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		<category><![CDATA[Foreign Currency Conversion Fees]]></category>
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		<category><![CDATA[What Banks Really Charge]]></category>

		<guid isPermaLink="false">http://currate.com/blog/?p=323</guid>
		<description><![CDATA[<p align="center">
<p>This is the next article on hidden costs we started last month. This time, we’re discussing costs of using ATM (Automated teller machine). And, as we have mentioned here a number of times, that probably is the cheapest way for a traveler to obtain currency in another country, by accessing it via an ATM [...]]]></description>
			<content:encoded><![CDATA[<p align="center">
<p>This is the next article on hidden costs we started last month. This time, we’re discussing costs of using ATM (<a href="http://en.wikipedia.org/wiki/Automated_teller_machine" target="_blank">Automated teller machine</a>). And, as we have mentioned here a number of times, that probably is the cheapest way for a traveler to obtain currency in another country, by accessing it via an ATM with either a debit or credit card. We want to discuss the real costs of such a transaction, because there are hidden fees here, as well. And because these do differ from bank to bank, we picked a large sample of banks. Also, from what I’ve been able to discover, these fees are pretty much the same everywhere, whether Tokyo, London, New York, or Sydney.</p>
<div id="attachment_342" class="wp-caption alignleft" style="width: 310px"><a href="http://currate.com"><img class="size-medium wp-image-342" title="Mobile ATMs installed in a van with guards, User PrimroseGuy, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/ATM_Mobile-300x225.png" alt="Mobile ATMs installed in a van with guards, User PrimroseGuy, Courtesy Wikimedia Commons" width="300" height="225" /></a><p class="wp-caption-text">Mobile ATMs installed in a van with guards, User PrimroseGuy, Courtesy Wikimedia Commons</p></div>
<p>But let’s take a typical transaction abroad. Let’s say you are an American in London, don’t want to carry too much cash with you, so you want to withdraw the equivalent of $1,000.00 from an ATM. (Yes, ATMs don’t usually allow so large a withdrawal, but the dollar versus pound rate has fluctuated greatly over the last two years, with the rate at one point being more than 2:1.) Well, the first thing you have to do is select an ATM from which to make a withdrawal. The good news is that as long as your bank is a member of VISA, CIRRUS, MAESTRO, PLUS (some banks list them in these ways), you can do this just about anywhere, and with few exceptions. Slovenia, as of the writing of this article and based on one source, is one of those exceptions, because only Slovenian citizens are allowed to do this. Also, based on another source, a Bank of America card worked fine in Hong Kong, but not in Brazil. So research your destination carefully before you go there!<span id="more-323"></span></p>
<table border="0" align="left">
<caption><strong>Worldwide ATM Locations</strong> (ATM Locator)</caption>
<tbody>
<tr>
<td><strong>Mastercard</strong></td>
<td><a href="http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html" target="_blank">http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html</a></td>
</tr>
<tr>
<td><strong>Visa/Plus</strong></td>
<td><a href="http://www10.americanexpress.com/sif/cda/page/0,1641,13195,00.asp" target="_blank">http://visa.via.infonow.net/locator/global/jsp/SearchPage.jsp</a></td>
</tr>
<tr>
<td><strong>Amex</strong></td>
<td><a href="http://www10.americanexpress.com/sif/cda/page/0,1641,13195,00.asp" target="_blank">http://www10.americanexpress.com/sif/cda/page/0,1641,13195,00.asp</a></td>
</tr>
<tr>
<td><strong>JCB</strong></td>
<td><a href="http://www.jcbinternational.com/plazatokyo_eng/e_plaza.htm" target="_blank">http://www.jcbinternational.com/plazatokyo_eng/e_plaza.htm</a></td>
</tr>
<tr>
<td><strong>AEON</strong></td>
<td><a href="http://www.aeon.com.hk/wps/wcm/myconnect/aeonweb/EN/main_creditcard/cash_advance/" target="_blank">http://www.aeon.com.hk/wps/wcm/myconnect/aeonweb/EN/main_creditcard/cash_advance/</a></td>
</tr>
<tr>
<td></td>
<td></td>
</tr>
</tbody>
</table>
<p>So; rule number 1:  When traveling abroad, especially to multiple countries please be sure you have some of the local currency on hand and a credit card as a backup. This way, in places such as Slovenia, you won’t be caught short. Also, use the links above to locate ATMs that work for your particular card.</p>
<p>Now to continue with our scenario; let’s say you’ve found such an ATM in London (and these are usually no problem to find there), what’s next? Well, unless your bank is a member of the Global ATM Alliance, you are going to be hit with fees to use that ATM. Your bank could charge a flat rate of anywhere from $1.00 to $5.00 (e.g., Wells Fargo is $5.00), plus you will probably be charged by the bank that owns that particular ATM, as well, the so-called “host bank.” Again, this fee varies widely from bank to bank, but can run close to your own bank’s fee in costs. So, total cost of just using that ATM could be as much, or at least the greater part of, $10.00. If your bank is a member of the Global ATM Alliance, then the machine charges are waived. However, the currency conversion charges are not waived. Those still remain intact.</p>
<p>So; rule number 2: If your bank is a member of the Global ATM Alliance, be sure to use their affiliated ATMs. For Bank of America, for instance, this would be Barclays in the United Kingdom. If your bank is not a member of this group, you might want to consider opening an account with a bank that is, that is if you travel a lot, because over time, these fees can really cost you.</p>
<p>Okay, back to our scenario. So now we’ve found an ATM, and we’ve made sure as to whether or not it is a member of the Global ATM Alliance. In our example, it isn’t. We want to withdraw some cash.  Rule number 3: the best idea here is to draw as much money as you feel you may need, to the maximum amount you are comfortable having on your person. The reason for this is that if your bank is not a member of the Alliance, every time you withdraw money it is going to cost you significantly. Also, in addition and regardless of which ATM you use, you are going to incur those transaction costs which we are now going to discuss.</p>
<p>Banks charge a transaction cost for money conversions. There is the fixed rate of one percent that everyone pretty much has to pay if using the Visa/MasterCard systems (there seems no way around this unless you use American Express or Discover, because they apparently don’t use these systems, but there are still charges), and then there is whatever the bank decides to tack onto this. Why do banks add on to it? Well, the answer seems to be because they can. They want the extra money, so they charge extra.</p>
<div id="attachment_343" class="wp-caption alignleft" style="width: 310px"><img class="size-medium wp-image-343" title="ATM Screen Courtesy Wikimedia Commons, User Katrin Grünthal" src="http://currate.com/blog/wp-content/uploads/2009/12/ATM_Screen-300x227.png" alt="ATM Screen Courtesy Wikimedia Commons, User Katrin Grünthal" width="300" height="227" /><p class="wp-caption-text">ATM Screen Courtesy Wikimedia Commons, User Katrin Grünthal</p></div>
<p>If you are thinking this is a bit of a rip-off, you are absolutely right. It is just another way for banks to make money off of their customers. They are getting quite innovative in this ability of late, to their own customers’ distinct disadvantage.</p>
<p>The normal added on charge can be anywhere from another one percent of the total transaction to even more. Wells Fargo (like many banks), and according to one source, has upped its charge from two to now three percent of the total amount of the transaction. This is on top of the one percent that is always charged by the international clearinghouse, according to one irate customer’s website. So, we’re talking four percent of a total transaction here. That’s a cost of $4 dollars for every $100 dollars involved in the transaction, and don’t forget those possible ATM fees added into that if it’s a non-Alliance ATM you are using.  Now remember, different banks charge different percentage amounts. A few still don’t charge anything at all.</p>
<p>According to the “<strong>Bargaineering</strong>” website, <a href="http://www.bargaineering.com/articles/foreign-currency-transaction-fees-list.html" target="_blank">http://www.bargaineering.com/articles/foreign-currency-transaction-fees-list.html</a>, Foreign Currency Transaction Fees List, this is what some banks are charging their credit card customers (directly quoted from “Bargaineering”):</p>
<table style="width: 410px; height: 204px; background-color: #fff5ee;" border="0">
<caption><strong>Credit Card Issuer/Offer Fee for<br />
Foreign Currency Transactions</strong></caption>
<tbody>
<tr>
<td><strong>Capital One</strong></td>
<td>0%</td>
</tr>
<tr>
<td><strong>Discover</strong></td>
<td>0%</td>
</tr>
<tr>
<td><strong>Wachovia</strong></td>
<td>1%</td>
</tr>
<tr>
<td><strong>Washington Mutual</strong></td>
<td>1%</td>
</tr>
<tr>
<td><strong>American Express</strong></td>
<td>2%</td>
</tr>
<tr>
<td><strong>Bank of America</strong></td>
<td>3%</td>
</tr>
<tr>
<td><strong>Citibank</strong></td>
<td>3%</td>
</tr>
<tr>
<td><strong>JP Morgan Chase</strong></td>
<td>3%</td>
</tr>
<tr>
<td><strong>Wells Fargo</strong></td>
<td>3%</td>
</tr>
<tr>
<td><strong>US Bank</strong></td>
<td>3%</td>
</tr>
</tbody>
</table>
<p>And according to the website, <strong>Money Blue Book</strong>, (<a href="http://www.moneybluebook.com/list-of-credit-card-foreign-currency-transaction-fees/" target="_blank">http://www.moneybluebook.com/list-of-credit-card-foreign-currency-transaction-fees/</a>) these fees are charged by these banks, and this is all directly quoted material from that site, as well:</p>
<table style="background-color: #fff5ee; width: 469px; height: 404px;" border="0">
<caption><strong>Credit Card Issuer/Offer Fee For<br />
Foreign Currency Transactions</strong></caption>
<tbody>
<tr>
<td><strong>Capital One</strong></td>
<td>0%</td>
<td></td>
</tr>
<tr>
<td><strong>Schwab Bank</strong></td>
<td>0%</td>
<td>Schwab Bank Invest First Visa</td>
</tr>
<tr>
<td><strong>Standard Federal Credit Union</strong></td>
<td>0%</td>
<td>SFCU Visa Card</td>
</tr>
<tr>
<td><strong>Affinity Federal Credit Union</strong></td>
<td>1%</td>
<td></td>
</tr>
<tr>
<td><strong>NASA Federal Credit Union</strong></td>
<td>1%</td>
<td></td>
</tr>
<tr>
<td><strong>Pentagon Federal Credit Union</strong></td>
<td>1%</td>
<td></td>
</tr>
<tr>
<td><strong>USAA (Military)</strong></td>
<td>1%</td>
<td></td>
</tr>
<tr>
<td><strong>American Express</strong></td>
<td>2%</td>
<td>Limited Oversea Locations</td>
</tr>
<tr>
<td><strong>Discovery Card</strong></td>
<td>2%</td>
<td></td>
</tr>
<tr>
<td><strong>Advanta</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>Bank of America</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>BB&amp;T Bank</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>Chase</strong></td>
<td>3%</td>
<td>(JP Morgan)</td>
</tr>
<tr>
<td><strong>Washington Mutual</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>Citibank</strong></td>
<td>3%</td>
<td>CitiCard</td>
</tr>
<tr>
<td><strong>HSBC</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>PNC (National City)</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>SunTrust Bank</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>TD Bank</strong></td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td><strong>US Bank</strong></td>
<td>3%</td>
<td></td>
</tr>
</tbody>
</table>
<p>And at <a href="Credit.com" target="_blank">Credit.com</a>, they list these sample fees for banks:</p>
<table style="background-color: #fff5ee;" border="0">
<caption><strong>Credit Card Issuer/Offer Fee for Foreign Currency Transactions</strong></caption>
<tbody>
<tr>
<td>American Express</td>
<td>2.5%</td>
<td></td>
</tr>
<tr>
<td>Bank of America</td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td>Capital One</td>
<td>0%</td>
<td></td>
</tr>
<tr>
<td>Citibank</td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td>HSBC</td>
<td>1%</td>
<td></td>
</tr>
<tr>
<td>JP Morgan Chase</td>
<td>3%</td>
<td></td>
</tr>
<tr>
<td>MBNA America</td>
<td>3%</td>
<td>(Note from Currate.com Editor: This bank is acquired by Bank of America)</td>
</tr>
<tr>
<td>Providian Financial Corp</td>
<td>1%</td>
<td>(Note from Currate.com Editor: This bank is acquired by JP Morgan Chase)</td>
</tr>
<tr>
<td>Wells Fargo</td>
<td>3%</td>
<td></td>
</tr>
</tbody>
</table>
<div id="attachment_331" class="wp-caption alignleft" style="width: 293px"><img class="size-full wp-image-331" title="Costs Going Up With Profits? Foreign Exchange Market Turnover Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/ATMUsageGrowth.png" alt="Costs Going Up With Profits? Foreign Exchange Market Turnover Courtesy Wikimedia Commons" width="283" height="196" /><p class="wp-caption-text">Costs Going Up With Profits? Foreign Exchange Market Turnover Courtesy Wikimedia Commons</p></div>
<p>These include the 1% base transaction cost where applicable. However, doing some independent checking of this, I’ve found some of these numbers, though fairly recent, are already out of date. Changes are occurring rapidly and often since the current financial crisis. As stated, Wells Fargo, for instance and according to one source, has raised its rate again since the above articles were posted. So besides the 1% base charge, they went up to 3% recently on top of this figure (as listed above for them), to a total of 4 percent, instead of 3% according to that one website and same irate customer. American Express is another example, having raised their fees another .5% already, apparently. HSBC, according to another website, has raised its fees another 2% to a total of 3%.</p>
<p>Notice a trend here? Yes, the fees are going up, and quickly! And also yes, in these tough economic times, such figures change so rapidly as to be almost obsolete by the time we get them. However, the rest of the numbers still do seem to stand as of the time of this article. But always check with your bank just before going on a trip to see what they charge at that point in time. I’m betting these rates will continue to change in the near future, rapidly, and steadily upward.</p>
<p>But using these numbers, as an example, let’s get on with that equivalent to a $1,000 dollar transaction we were talking about earlier and let’s see what it will cost us. We will use Wells Fargo as the bank involved. Please remember, this is just an example only and again, most ATMs have limits on withdrawals that are well below this $1,000.00 figure. However, this amount has been valid in the recent past. Right now, in England, a withdrawal of ₤400 pounds sterling, would be roughly equivalent to a withdrawal of $660 US, but a little over a year-and-a-half ago, that figure would have been $840, so that’s another reason why I’m going with the $1,000 figure, to allow for normal exchange rate fluctuations. In any case, here’s how $1,000 breaks down:</p>
<table style="background-color: #fff5ee;" border="0">
<caption><strong>Breakdown of Transaction Costs to withdraw $1,000 cash</strong></caption>
<tbody>
<tr>
<td><strong>Transaction</strong></td>
<td><strong>Bank Conversion Fee</strong></td>
<td><strong>ATM Fees</strong></td>
<td><strong>Extra Fees</strong></td>
</tr>
<tr>
<td>Wells Fargo</td>
<td>3%</td>
<td>$5.00 plus host ATM fees</td>
<td>1% (levied by Visa/MasterCard)</td>
</tr>
</tbody>
</table>
<p><strong><span style="text-decoration: underline;">Calculations for Total Costs for ATM Currency Transaction:</span></strong><br />
4% of $1,000.000<br />
Transaction, plus $5.00 = $45.00 on $1,000.00<br />
<strong>Note:</strong> Not including host ATM costs, if applicable, which could raise the figure closer to $50.00.</p>
<p>This is not cheap! And every time you withdraw this amount, this is what it will cost you.</p>
<p>Again, these fees seem to apply the same across the board, whether in New York, Toronto, London, Paris, Prague, Frankfurt, Beijing, Tokyo, Moscow, Cairo, Rio, or any other major city, since it is the banks themselves that charge them. Variables include if you are not using a Global ATM Alliance member, in which case, this again means the host bank for that ATM can add on fees for the use of their machine. The upper limit, seems to be right around $5.00 for this.</p>
<p>So there you have it.  Overall, you will pay considerable fees for the privilege of withdrawing money from an ATM while abroad, although this is still considerably cheaper than using foreign exchange services or bureaus that cost even more. And also remember that our example of $1,000 was just that – an example. Most banks won’t allow you to withdraw near that much. So, as in the Wells Fargo example, if you were just withdrawing $100.00, this would come to about $9.00 in costs and that is nine percent! The more often you withdraw and the smaller the amounts you withdraw, the greater the percentage comes to for the cost of doing this. That’s why it’s important to withdraw as much as you can, and as seldom as you can, to keep these costs down.</p>
<div id="attachment_333" class="wp-caption alignleft" style="width: 359px"><a href="http://currate.com"><img class="size-full wp-image-333" title="Cover Cartoon of :Puck (magazine) titled: &quot;The Central Bank— Why should Uncle Sam establish one, when Uncle Pierpont is already on the job?&quot; Courtesy of Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/CoverCartoonofPuck_GreedyBanker.png" alt="Cover Cartoon of :Puck (magazine) titled: &quot;The Central Bank— Why should Uncle Sam establish one, when Uncle Pierpont is already on the job?&quot; Courtesy of Wikimedia Commons" width="349" height="475" /></a><p class="wp-caption-text">Cover Cartoon of Puck (magazine) titled: &quot;The Central Bank— Why should Uncle Sam establish one, when Uncle Pierpont is already on the job?&quot; Courtesy of Wikimedia Commons</p></div>
<p>As I’ve mentioned in a prior article, I’m planning a month’s stay in the United Kingdom this coming spring. That, for me, means a number of trips to the ATM while there, because I don’t like carrying huge amounts of cash on me. But rest assured I will be withdrawing the maximum allowed. I will split that between my father and me, and we will be using money belts. It’s the cheapest and safest way to go. And I say “cheapest” with reservations, because it is only the “cheapest” of a number of expensive ways to obtain the local currencies.  In my estimation, banks have seen to it that there are no longer any really “cheap” ways to get cash. Well, maybe for them by getting it from us through charging so many fees, hidden and otherwise…you think?</p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com Editor-in-Chief</p>
<p><strong>References:</strong></p>
<p><strong>Currate.com World Currencies Map<br />
</strong><a href="http://currate.com/map" target="_blank">http://currate.com/map</a><strong><br />
</strong></p>
<p><strong>MasterCard Locations</strong><br />
<a href="http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html">http://www.mastercard.com/us/personal/en/cardholderservices/atmlocations/index.html</a></p>
<p><strong>VISA/PLUS</strong><br />
<a href="http://visa.via.infonow.net/locator/global/jsp/SearchPage.jsp">http://visa.via.infonow.net/locator/global/jsp/SearchPage.jsp</a></p>
<p><strong>Yahoo Answers, Can I use my Bank of America debit card to withdraw money from any ATM?</strong><br />
<a href="http://answers.yahoo.com/question/index?qid=20080218154826AAUF7sU">http://answers.yahoo.com/question/index?qid=20080218154826AAUF7sU</a></p>
<p><strong>Elliott, How to get rid of a foreign transaction fee on your bill</strong><br />
<a href="http://www.elliott.org/blog/how-to-get-rid-of-a-foreign-transaction-fee-on-your-bill/">http://www.elliott.org/blog/how-to-get-rid-of-a-foreign-transaction-fee-on-your-bill/</a></p>
<p><strong>Independent Traveler.com, ATMs Abroad</strong><br />
<a href="http://www.independenttraveler.com/resources/article.cfm?AID=41&amp;category=8">http://www.independenttraveler.com/resources/article.cfm?AID=41&amp;category=8</a></p>
<p><strong>ATM Conversion Fees</strong><br />
<a href="http://europeforvisitors.com/europe/articles/atm_conversion_fees.htm">http://europeforvisitors.com/europe/articles/atm_conversion_fees.htm</a></p>
<p><strong>Money Blue Book</strong><br />
<a title="Permanent Link: List Of Credit Card Foreign Currency Transaction Fees" href="http://www.moneybluebook.com/list-of-credit-card-foreign-currency-transaction-fees/">List Of Credit Card Foreign Currency Transaction Fees</a></p>
<p><a href="http://www.moneybluebook.com/list-of-credit-card-foreign-currency-transaction-fees/">http://www.moneybluebook.com/list-of-credit-card-foreign-currency-transaction-fees/</a></p>
<p><strong>Credit.com Foreign Currency Conversion Fees are an Unwelcome Companion, by Shane Romig</strong><br />
<a href="http://www.credit.com/credit_information/credit_cards/Foreign-Currency-Conversion-Fees.jsp">http://www.credit.com/credit_information/credit_cards/Foreign-Currency-Conversion-Fees.jsp</a></p>
<p><strong>USA Today</strong><br />
<strong>Pre-vacation research can reduce currency-conversion fees</strong><br />
<a href="http://www.usatoday.com/money/perfi/columnist/block/2006-05-29-currency-exchange_x.htm">http://www.usatoday.com/money/perfi/columnist/block/2006-05-29-currency-exchange_x.htm</a></p>
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		<title>Renting Cars In Europe – The Adventure Begins!</title>
		<link>http://currate.com/blog/index.php/2009/11/renting-cars-in-europe/</link>
		<comments>http://currate.com/blog/index.php/2009/11/renting-cars-in-europe/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 15:43:42 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
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		<category><![CDATA[renting cars in europe]]></category>
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		<guid isPermaLink="false">http://currate.com/blog/?p=272</guid>
		<description><![CDATA[<p>We Americans are very used to flying around our country to get from point “A” to point “B.” In fact, it is our preferred method for long-distance traveling, even sometimes from city-to-city within states. I’ve frequently flown from San Diego to San Francisco. Why? Because it’s an eleven-hour trip to drive it, that’s why, and [...]]]></description>
			<content:encoded><![CDATA[<p>We Americans are very used to flying around our country to get from point “A” to point “B.” In fact, it is our preferred method for long-distance traveling, even sometimes from city-to-city within states. I’ve frequently flown from San Diego to San Francisco. Why? Because it’s an eleven-hour trip to drive it, that’s why, and that’s each way!</p>
<div id="attachment_344" class="wp-caption alignleft" style="width: 310px"><img class="size-medium wp-image-344" title="Europcar Counter – Courtesy of Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/Eurocar_Counter-300x225.jpg" alt="Europcar Counter – Courtesy of Wikimedia Commons" width="300" height="225" /><p class="wp-caption-text">Europcar Counter – Courtesy of Wikimedia Commons</p></div>
<p>And that’s one of two major reasons why we fly so much. The matter of time; we never seem to have enough of it. We often have to get where we’re going in a hurry. The second reason is distance. Our country spans the entire width of North America and beyond. You have few travel choices if you want to get to Hawaii, for ex­ample. It’s either by plane, boat, or swimming, and I don’t like sharks. And boats make a lot of people seasick (not me…). So to belabor an obvious point, that means having to fly there.<span id="more-272"></span></p>
<p>But truly, the scale of our country is remarkably large compared to most European countries. Have you ever considered the distance from Miami, Florida to Anchorage, Alaska, for instance?  It’s 4,005 miles!</p>
<div id="attachment_345" class="wp-caption alignright" style="width: 310px"><img class="size-medium wp-image-345" title="Maui Uaoa Bay Hawaii – Authors, Forest and Kim Starr Courtesy of Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/MauiUaoBay_Hawaii-300x223.png" alt="Maui Uaoa Bay Hawaii – Authors, Forest and Kim Starr Courtesy of Wikimedia Commons" width="300" height="223" /><p class="wp-caption-text">Maui Uaoa Bay Hawaii – Authors, Forest and Kim Starr Courtesy of Wikimedia Commons</p></div>
<p>I did a month-long tour of Europe that included England, France, Spain, Italy, Austria, Germany, Switzerland, Lichtenstein, Belgium, and the Netherlands, and it came to just about the same mileage as that trip from Miami to Anchorage. And that was the complete loop in Europe. Here in America that mileage only gets you to Anchorage, but doesn’t get you back. So, there’s no doubt about it, flying is often a necessity here.</p>
<div id="attachment_315" class="wp-caption alignleft" style="width: 433px"><a href="http://currate.com/"><img class="size-full wp-image-315" title="Transportation In Europe - Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/Transportation_In_Europe-Courtesy_Wikimedia_Commons.png" alt="Transportation In Europe - Courtesy Wikimedia Commons" width="423" height="227" /></a><p class="wp-caption-text">Transportation In Europe - Courtesy Wikimedia Commons</p></div>
<p>But not in Europe; once you’ve arrived there, flying is definitely not the way to go in my opinion. Being so much smaller an area, having such incred­ible diversity in cultures and geo­graphies all crammed so close together, Europe calls to the traveler to actually traverse it by some surfaces means. So if you have the time, want to really see things, you should travel in this way. Europe has a marvelous train system, as well as great subway infrastructures in most major cities, and equally impressive bus networks in most countries.</p>
<p><strong><em> </em></strong><strong><em> </em></strong></p>
<p>But being Americans, and having had a long love affair with our cars, we do love to drive as well. Here, many people drive across country just for the fun of it. This sort of thing has been popular since the days of “Route 66,” and even before then. We Americans do love to drive when we can. And driving in Europe allows the traveler to get off the beaten path, to explore areas otherwise denied to them. So I highly recommend renting a car while abroad, <span style="text-decoration: underline;">but</span> with some caveats.</p>
<div id="attachment_346" class="wp-caption alignright" style="width: 310px"><img class="size-medium wp-image-346" title="Route 66 Road Sign-Fabio Pozzato Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/12/Route_66_Road_Sign-300x276.png" alt="Route 66 Road Sign-Fabio Pozzato Courtesy Wikimedia Commons" width="300" height="276" /><p class="wp-caption-text">Route 66 Road Sign-Fabio Pozzato Courtesy Wikimedia Commons</p></div>
<p>First, there is the problem of insurance. It can be expensive. And, reserving you own car by Internet, although often a good way to go, can be tricky. When going to Portugal, I rented a car online in advance, through National. Upon arrival at the Lisbon Airport I went to pick it up, only to find that they insisted upon my either posting a large sum of money as a “bond,” or paying over $200 for extra insurance. Nothing on the website had warned me of this. What I thought was a cheap deal turned out to be not so cheap! What could I do? I ended up by paying the extra money.</p>
<p>So when reserving your car, make <span style="text-decoration: underline;">very</span> sure you know the full price of that rental. Also, be explicit about the car you want. Europeans seem to prefer standard shift. I don’t. So if you want that automatic, reserve early, assume you will pay more for it, because you usually will.  I was too late and so had to have a stick shift. Not having driven one in 25 years, and having to do it in a foreign country on steep hills – not so great. I’d forgotten how those cars can roll – backwards! So again, reserve your car early on to make sure you get that automatic if you want it.</p>
<p>Another point about insurance; get the full package. Do check with your credit card company, as well, because many automatically give you supplemental insurance when you use them. But the full package really is necessary. Remember, you are driving in a strange land, with unfamiliar signs, rules, and methods of doing things. Roundabouts (traffic circles) have rules you may not be familiar with and in Europe they do use a lot of them. In the United Kingdom, there is always the added fun of doing it on the left side of the road instead of the right. Plus, because you aren’t familiar with the car’s dimensions, it’s easy to scrape a hedgerow, or stone wall. Roads in the United Kingdom and the rest of Europe can be incredibly narrow! I scraped a car on my last trip to England. It was only my left mirror, and very minor, but scraping it against a concrete wall of a covered car park didn’t do much for its look. So, full insurance is a very good idea, because that mishap didn’t cost me a thing.</p>
<p>Secondly, I strongly advise some type of navigation equipment, such as Garmin, Tom-Tom, or whatever please you. In Portugal, I had brought along an elaborate and expensive road atlas. It was great to use for traveling on their major highways, but the minute you leave those, enter any village or town, you can forget the maps. Road names are rarely posted in real life in these places. Once in a while, I spotted one at an intersection, inset into a corner building, but for the most part, they just seemed nonexistent. So a road map with names doesn’t help in a town without them. And there are lots of such towns.</p>
<p>For example, I became utterly lost in Lagos, Portugal. Again, there were very few street signs in town. Upon entering the place, within about five minutes, I didn’t know where I was. I kept trying to find my way “out,” only to find I was lost in a maze of smaller and smaller streets, some so narrow my car practically brushed the walls and it was a small car!</p>
<div id="attachment_317" class="wp-caption alignleft" style="width: 256px"><a href="http://currate.com"><img class="size-full wp-image-317" title="Casa di Cura Cottolengo, Meugliano, Turin, Italy – Laurom, Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/Casa_di_Cura_Cottolengo_Meugliano.png" alt="Casa di Cura Cottolengo, Meugliano, Turin, Italy – Laurom, Courtesy Wikimedia Commons" width="246" height="323" /></a><p class="wp-caption-text">Casa di Cura Cottolengo, Meugliano, Turin, Italy – Laurom, Courtesy Wikimedia Commons</p></div>
<p><strong> </strong></p>
<p>Finally, when one street became so narrow as to be impossible to see ahead, I stopped the car. My father got out (only he could, because my door was within mere inches of a wall), and walked in front of the vehicle to see where the road led. That was nowhere, as it turns out. The road became, abruptly and without any signs or warnings of any kind whatsoever, a steep staircase down a hillside. It was very quaint, no doubt, but also very dangerous. Imagine if I had kept going a few more feet. I had to back all the way out. Not a pleasant experience, especially not after hours of driving south from Lisbon, and feeling desperately tired.</p>
<p>The next time I traveled and rented a car, I also rented a Tom-Tom. This was for nineteen pounds a day in England, which right now figures out to about $31.54 at current exchange rates. This was not cheap by any standards, but it worked beautifully for me, saved me tons of time and loads of frustration. England, like Portugal, seems very short on street signs once you are in a village or town. But with my trusty Tom-Tom, I always found my way. I even convinced an English friend of it’s worth. He bought one. Even the British have problems finding their way around villages, it seems.</p>
<p>There is also the matter of buying gasoline or “petrol.” Because my car was strange to me (a Mercedes), I had no idea how to release the gas cover. I asked two English people who were filling up to help me, but neither of them knew how either, although they really tried. Twenty minutes later, my father “stumbled” on the secret. Oh, and knowing the real price of gas isn’t easy either. In Europe, they sell it by the liter. Just trying to figure out how much that is a gallon was difficult, and then to try to convert the cost from euros or pounds to dollars in my head was even worse.</p>
<p>So besides that piece of navigation equipment, here is something else you should consider taking with you to Europe. If you have a mobile phone with Internet browser capability, bring it! With it, you can access <strong><a href="../../" target="_blank">Currate.com</a> </strong><strong> </strong>at <a href="http://currate.com/mbasic.php" target="_blank">http://currate.com/m.php</a>. for their currency conversion features. If your mobile phone use more enhanced features, try going to <a href="http://currate.com/menhanced.php" target="_blank">http://currate.com/e.php</a>. That way, you will always have, right at hand, the means to figure out just what that liter of gas is really costing you. And make no mistake, whether euros or pounds, their fuel stations can have very different prices. And also remember that <strong><a href="http://currate.com" target="_blank">Currate.com</a> </strong>has actual images of over 180 currencies. This is a great feature for any traveler who finds they are moving from country-to-country with different currencies. <strong><a href="../../" target="_blank">Currate.com</a> </strong><strong> </strong> also has a <a href="http://currate.com/map" target="_blank">Google-style world currencies map</a> where you can just point and click to your destination and its currency.</p>
<div id="attachment_318" class="wp-caption alignright" style="width: 730px"><a href="http://currate.com/map"><img class="size-full wp-image-318" title="USD EUR Italy World Currencies Map" src="http://currate.com/blog/wp-content/uploads/2009/11/USD_EUR_Italy_World_Currencies_Map.png" alt="USD EUR Italy World Currencies Map" width="720" height="330" /></a><p class="wp-caption-text">USD EUR Italy World Currencies Map - Currate.com </p></div>
<p>Traveling requires preparation and that’s just as true for renting that car you want to use. And although most of us don’t like paying more, sometimes it is worth it. So, rent that car. Make sure one way or the other you have full insurance, and either bring along, or rent a navigation device to go with your car. And do remember that if you don’t like stick shifts, you should reserve an automatic well before your trip. And that expensive road atlas – well, they can be handy, but nothing replaces my Tom-Tom! I bought one as soon as I came home, and I’m downloading the European map into it for my next trip this coming March. To paraphrase, “I won’t leave home without it.” No more staircase streets for me!</p>
<p><a href="mailto:robshelsky@earthlink.net">Rob Shelsky</a>, Currate.com Contributing Editor<br />
<a href="mailto:robertrade@yahoo.com">Robert Rademacher</a>, Currate.com Editor-in-Chief</p>
<p><strong><span style="text-decoration: underline;">References:</span></strong></p>
<p><strong>Currate Currency Tools: </strong><br />
<a href="http://currate.com" target="_blank">http://currate.com</a></p>
<p><strong>Travelmath<br />
<a href="http://www.travelmath.com/flight-distance/from/Anchorage,+AK/to/Miami,+FL">http://www.travelmath.com/flight-distance/from/Anchorage,+AK/to/Miami,+FL</a></strong></p>
<p><strong>How To Rent A Car Abroad<br />
<a href="http://www.ehow.com/how_135792_rent-car-abroad.html">http://www.ehow.com/how_135792_rent-car-abroad.html</a></strong></p>
<p><strong>Renting A Car Abroad<br />
<a href="http://www.greatgapyears.co.uk/renting-a-car-abroad.html">http://www.greatgapyears.co.uk/renting-a-car-abroad.html</a></strong></p>
<p><strong>Road Signs In Europe<br />
<a href="http://www.reidsguides.com/t_au/t_au_road_signs.html">http://www.reidsguides.com/t_au/t_au_road_signs.html</a></strong></p>
<p><strong>Unhelpful Road Signs<br />
<a href="http://blog.ivman.com/unhelpful-road-signs/">http://blog.ivman.com/unhelpful-road-signs/</a></strong></p>
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		<title>Handicapped Traveling</title>
		<link>http://currate.com/blog/index.php/2009/11/handicapped-traveling/</link>
		<comments>http://currate.com/blog/index.php/2009/11/handicapped-traveling/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 00:07:21 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Currrency for Travelers]]></category>
		<category><![CDATA[Airport]]></category>
		<category><![CDATA[Airport Security]]></category>
		<category><![CDATA[Currency Converter]]></category>
		<category><![CDATA[disabled traveler]]></category>
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		<category><![CDATA[handicapped traveler]]></category>
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		<category><![CDATA[Tips for Traveling]]></category>
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		<category><![CDATA[United State Department of State]]></category>
		<category><![CDATA[USD Currency]]></category>
		<category><![CDATA[wheelchair]]></category>

		<guid isPermaLink="false">http://currate.com/blog/?p=299</guid>
		<description><![CDATA[<p>Ever had a delay and a hard time making your connection? Most of us regular travelers have. What I didn’t realize was how tough it was if you had someone along who had a disability, or who happened to be handicapped. Now mind you, it was bad enough for me, but for him it was [...]]]></description>
			<content:encoded><![CDATA[<p>Ever had a delay and a hard time making your connection? Most of us regular travelers have. What I didn’t realize was how tough it was if you had someone along who had a disability, or who happened to be handicapped. Now mind you, it was bad enough for me, but for him it was a real trial.</p>
<p>My father and I had arranged flights from Greensboro to the airport in Newark, New Jersey. There was a two-hour layover there before the London plane. However, because we had to sit on the tarmac in a stuffy little commuter plane for over an hour-and-a-half at Greensboro, waiting for a flight slot, and then delays in landing at Newark, we arrived precisely when our next flight was due to leave. This meant a dash to that gate, and it was 28 large gates away! I’m guessing close to a third of a mile from our starting point.</p>
<div id="attachment_300" class="wp-caption alignleft" style="width: 183px"><a href="http://currate.com/blog"><img class="size-full wp-image-300" title="Handicapped - Wheelchair Accessible Symbol used in public locations - Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/handicapped.jpg" alt="Handicapped - Wheelchair Accessible Symbol used in public locations - Courtesy Wikimedia Commons" width="173" height="178" /></a><p class="wp-caption-text">Handicapped - Wheelchair Accessible Symbol used in public locations</p></div>
<p><span id="more-299"></span>So carrying all our luggage, my elderly father and I raced at top speed. He couldn’t keep up, so I shouldered his luggage, as well, to help him. We arrived there, breathless, red-faced, sweating, exhausted, and angry. And truth to tell, I was also a little ashamed. You see, I had constantly chafed at my father’s comparatively slow pace, being fearful he was going to make us miss our connecting flight. Yet, he did the best he could, poor man.</p>
<p>And yes, we did make the flight, barely; being the last ones to board (they held the flight, as it turns out and didn’t bother to tell us, so it seems we didn’t have to race to get there). But this was my first experience in traveling with a person who had a disability. It made me realize, as hard as it was for me, how much harder it is for them. The truth is, seeing people pushed around in wheelchairs by airport attendants – I thought they had it pretty easy. Not so! That was my ignorance and stupidity in thinking that. But in my own defense, my father’s age had not only crept up on him without his really being aware of it, but me as well. Neither of us realized he was facing new limitations that now affected the way he had to travel.<br />
</p>
<p>One more thing, the flight attendant who welcomed us aboard couldn’t have cared less how we felt, either mentally, emotionally, or physically. I suppose if I had told him my father was ill as a result of our frantic race, or made any sort of a scene at all, he would have just barred us from taking the plane.  Truth is if we wanted to fly, we just had to shut up and take it. But what’s the moral of this story? Well, for disabled or handicapped travelers, the onus is on them to take care of themselves. Oh yes, they can get help if they prearrange it, some assistance, and they should, but in the final analysis, it is up to the handicapped traveler, and/or their traveling companions, to arrange such things for themselves, because the truth is, if you don’t do it, nobody else seems to care much one way or the other.</p>
<div id="attachment_301" class="wp-caption alignright" style="width: 354px"><a href="http://currate.com/blog"><img class="size-full wp-image-301" title="Wheelchair Gate Hiroshima Japan - Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/Wheelchair_Gate_Hiroshima_Japan.png" alt="Wheelchair Gate Hiroshima Japan - Courtesy Wikimedia Commons" width="344" height="206" /></a><p class="wp-caption-text">Wheelchair Gate Hiroshima Japan - Courtesy Wikimedia Commons</p></div>
<p>Yes, this may sound a little negative, but it isn’t really meant to be. You see, with the massive number of people traveling, most airline workers are truly overworked, and have trouble just keeping up with their normal duties. So, it isn’t unreasonable for them to feel that you should make your arrangements for traveling. After all, they do offer services for the handicapped and disabled, if asked ahead of time, if prearranged.</p>
<p>And that’s what you as a handicapped individual or traveling companion to such a person, must do. Plan ahead of time! Take EVERYTHING into consideration. For instance, what I do now is allow for even greater layover times between connecting flights. Two hours used to be about right, I felt, but now I go for four, or even five hours. Even more, if customs is involved, because between that, collecting and rebooking luggage, security checks, going to the next gate, etc., time can go by quickly. I don’t want my father having to do something he physically shouldn’t, endanger his health in any way, just to make another plane on time. It just isn’t worth it.<br />
</p>
<p>Also airlines, as mentioned above, do offer assistance to disabled passengers, including the use of wheelchairs, etc. Allow time for this, because it takes time for them to get to you. It also takes time for them to board you, so you must be at your gates before boarding commences.  The same holds true for many other means of transportation, trains, buses, and taxis, but again, you can’t just take it for granted. You must arrange things ahead of time, be aware of what’s available there.</p>
<div id="attachment_302" class="wp-caption alignleft" style="width: 371px"><a href="http://currate.com/blog"><img class="size-full wp-image-302" title="Wheelchair Lift Tijuana Trolley San Diego, California - Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/Wheelchair_Lift_Tijuana_Trolley_San_Diego.png" alt="Wheelchair Lift Tijuana Trolley San Diego, California - Courtesy Wikimedia Commons" width="361" height="267" /></a><p class="wp-caption-text">Wheelchair Lift Tijuana Trolley San Diego, California - Courtesy Wikimedia Commons</p></div>
<p>Furthermore, you must research every place you are going, every airport, train station, and anything else you are using for transportation. If they don’t have escalators, check to see if they have elevators. If you need to go to a different terminal, make sure the transportation there is handicapped accessible. Again, it is up to you to make sure that they have what you need, because once there, if they don’t – well, good luck. You might just end up dealing with a flight attendant such as I did – one who obviously didn’t care! This brochure from the Department of Transportation, New Horizons, Information for the Air Traveler with a Disability, is a big help and makes for a good starting point.</p>
<div id="attachment_303" class="wp-caption alignright" style="width: 222px"><a href="http://currate.com/blog"><img class="size-medium wp-image-303" title="Pittsburgh International Airport Wheelchairs Services - Courtesy Wikimedia Commons" src="http://currate.com/blog/wp-content/uploads/2009/11/Pittsburgh_International_Airport_Wheelchairs_Services-212x300.png" alt="Pittsburgh International Airport Wheelchairs Services - Courtesy Wikimedia Commons" width="212" height="300" /></a><p class="wp-caption-text">Pittsburgh International Airport Wheelchairs Services - Courtesy Wikimedia Commons</p></div>
<p>And don’t just research air terminals, bus depots, and trains stations. You also have to make sure that you have cash in the local currency when you need it, because for someone in a wheelchair, for instance, suddenly having to arrange to get somewhere to get that currency may not be at all easy or quick. You could well spend half a day in the effort, pay too much, and use up a lot of time on a trip that is precious, perhaps even a-once-in-a-lifetime one. So with regard to this problem, use Currate.com. It’s the best way I know, truly, to find the current exchange rates. Currate.com has reliable, regularly updated exchange rates. It has actual images of over 180 of the world’s currencies.</p>
<p>And with <a href="http://currate.com" target="_blank">Currate.com</a>’s currency converter calculator, figuring out how much currency you need, and more importantly what it should cost you is so easy! <a href="http://currate.com" target="_blank">Currate.com</a> even has a <a href="http://currate.com/map" target="_blank">Google World Currencies map</a> where you can visually select the country of your choice and just go there. Truthfully, it doesn’t get much easier than that.</p>
<p>And for those who are handicapped, instead of trying to navigate their way around in crowded places to find this information on displays in busy terminals, they can just use their Internet browser capable mobile phones. All they or anyone has to do is just go to   <a href="http://currate.com/mbasic.php" target="_blank">Currate&#8217;s Mobile Basic Currency Tool</a>. For phones capable of more advanced features, you can use <a href="http://currate.com/menhanced.php" target="_blank">Currate&#8217;s Mobile Currency Tool with Currency Images</a>.  This way, the traveler, handicapped or otherwise, has instant access to everything they need with regard to matters of currency conversion. They don’t have to go anywhere to find this out.</p>
<div id="attachment_43" class="wp-caption alignleft" style="width: 160px"><img class="size-full wp-image-43" title="iphone" src="http://currate.com/blog/wp-content/uploads/2009/08/iphone1.png" alt="Currate.com Mobile Version - available on iPhone Web" width="150" height="287" /><p class="wp-caption-text">Currate.com Mobile Version - available on iPhone Web</p></div>
<p>Remember also that you have to make sure of those hotels, as well. Many older and smaller ones just aren’t handicapped accessible. I’ve been in some that have such steep and narrow flights of stairs that even healthy people are in trouble.  There are places the disabled or handicapped just won’t be able to go, such as historic buildings that aren’t handicapped accessible (castles, towers, fortresses, many manor houses), so be aware of this ahead of time and plan your trip accordingly.</p>
<p>There are always alternatives to climbing those endless flights of stairs to get a panoramic view. For example, if you can’t handle the equivalent of a 30-story climb to the top of Saint Paul’s Cathedral in London, then why not try the London Eye? The view is just as spectacular.<br />
</p>
<p>The important thing to keep in mind is that for the handicapped or disabled traveler, whether older or just a child, much is still possible. Traveling can still be a great and rewarding experience, and a lot of fun. But it does mean that the handicapped traveler, and any traveling companions, must research and plan. They should also be flexible. They should be willing to travel a little more slowly. And if someone in the party just has to climb those stupid stairs and can do it, let them. I, for one, could have just as much fun in some tea shop or a drink in a local pub, just chatting and getting to know other travelers, or even some of the locals. After all, there is more than one way to have fun while traveling!</p>
<p><strong>References:</strong></p>
<p><strong>Slow Travel</strong><a href="http://www.slowtrav.com/europe/disabled_travel.htm"><br />
http://www.slowtrav.com/europe/disabled_travel.htm</a></p>
<p><strong>Access-Able Travel Source</strong><a href="http://access-able.com/dBase/links.cfm"><br />
http://access-able.com/dBase/links.cfm</a></p>
<p><strong>Rick Steves’ Easy Access Europe</strong><a href="http://europeforvisitors.com/europe/articles/rick-steves-easy-access-europe.htm"><br />
http://europeforvisitors.com/europe/articles/rick-steves-easy-access-europe.htm</a></p>
<p><strong>How To Travel With Mentally Handicapped People</strong><a href="http://www.ehow.com/how_2038705_travel-mentally-handicapped-people.html"><br />
http://www.ehow.com/how_2038705_travel-mentally-handicapped-people.html</a></p>
<p><strong>Kids Vacations for Disabled Children And Parents</strong><a href="http://www.beachcalifornia.com/california/disabled-kids-vacations.html"><br />
http://www.beachcalifornia.com/california/disabled-kids-vacations.html</a></p>
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