Travelers Checks Versus Debit Cards

My first time overseas, I had to exchange cash in $200 of travelers checks to pay a mountaineering guide who hadn't heard of American Express. The bank charged me $8. During the same trip, I used my debit card at an ATM to get $200 from my checking account. Once home, I saw that the charge for this was one dollar, and that was the last time I used traveler's checks.

Debit And Credit Cards When Traveling

I usually carry a debit card and a credit card when I travel now. I keep them well-hidden in two separate places. If they are stolen, which has never happened yet, they have either zero liability, or a fifty dollar liability limit for any unauthorized charges. Ask your bank or credit card company about this.

When an Automated Teller Machine (ATM) won't take one of the cards for some reason - and this will happen - I use the other card, which usually works fine. Credit cards may be less trouble than debit cards. Your liability could be zero on your stolen debit card, but you probably won't have access to your account until the matter is sorted out.

Of course, on longer trips it's a hassle to pay the credit card bill on time, which isn't a problem with debit cards. Carry both, and on longer trips you can wait until you're a few weeks from home to use the credit card. That way you'll get there before the bill does.

An important advantage credit and debit cards have over travelers checks, is that when you need the local currency, you'll almost always get a better exchange rate with your cards. Also, the cash you get from the local ATM will truly be accepted everywhere, something even American Express Travelers Checks can't promise.

I have nothing against American Express. Once, when I was robbed in Mexico, they quickly and curtiously replaced my stolen traveler's checks. Also, at times it is appropriate to carry money in several forms, including theirs. However, times change and ATMs are everywhere now, so my policy is : Travelers checks; don't leave home with them. You can take an American Express credit card instead.

Travelers with Disabilities: The Untapped Market

When most people think about accommodating people with disabilities in their business they get a scared feeling in their gut and their mind scrambles to search for that all-important date when the Americans with Disabilities Act (ADA) went into effect. It doesn’t have to be that way! When business owners open their eyes and start to realize that there are literally billions of dollars to be made in the accessible travel market, I believe we will start to remove the fear associated with the ADA.

There are currently more than 50 million people with disabilities in the United States and 180 million worldwide, representing the single largest untapped tourist market in the world. According to a recent Harris Poll conducted in conjunction with the Open Doors Organization and the Travel Industry Association of America, the 50 million people with disabilities in our country have a combined income of more than $175 billion. In 2002, these people took 32 million trips and spent more than $13.6 billion on travel ($4.2 billion on hotels, $3.3 billion on airfare, $2.7 billion on food and beverage, and $3.4 billion on retail, transportation, and other activities). This study suggested that these travelers would double their spending if some minor amenities were made available. Meet and greet programs at airports, preferred seating on airplanes, hotel rooms closer to amenities, and employees who go out of their way to accommodate guests with disabilities topped the list.

The current trends in adaptive travel show most of these travelers taking advantage of destinations that they know are already accessible such as cruise ships, Florida, and Las Vegas. The visitors bureaus and businesses at these destinations that have gone to great lengths to ensure their visitors that there will not be any accessibility issues during their stay. From personal experience and years of traveling in a wheelchair, I can guarantee that these locations have built and will continue to build strong relationships with travelers with disabilities. This group is a very loyal one, who will often return to the same city, hotel, or activity provider year after year if they have a good experience. If everyone were to catch on to this we would see growth in the tourism industry like we have never seen!

With this in mind, it is a wonder that more business owners have not taken steps to make their accommodations more accessible and even start marketing to these travelers. If the staggering numbers listed above aren’t proof enough, the U.S. Census Bureau recently stated that nearly 16.5% of all people with disabilities in the U.S. leave their home two days per week or less. That constitutes nearly 11 million people that are not traveling at all. Also keep in mind that there are millions of people in their golden years that are looking for accessible travel accommodations. Many of these people use canes or walkers, travel with oxygen tanks, or have other mobility impairments, and are not included in disability statistics.

With millions of people in need of accessible travel options, and with our Baby Boomers (almost 25% of our population) starting to reach retirement age as well now is the time to start thinking about improving marketing efforts to include people with disabilities and about better overall accessibility in general. By educating business owners on the benefits of marketing to people with disabilities and educating travel agents who are fighting a losing battle with the internet, we can begin to focus on this new target market.

If you want to take advantage of the rapidly growing adaptive travel market, get started now! I recommend hiring an expert to get your business rated and start removing barriers to access as soon as possible. Think about accessibility anytime you’re planning a remodel or addition. These improvements will benefit everyone, not just people with disabilities. For those of you who have already taken steps to improve accessibility, start bragging about it.

Traveling to Europe with your Digital Camera?

The Vacation Season is fast approaching and naturally you will be taking your digital camera along for the journey. After all your vacations are far and few between and it is nice to look back on those memories as you slave away at your job. However, when you travel with a digital camera, it is a completely different experience from that of traveling with a film camera. This is a lesson that far too many travelers seem to be learning the hard way, especially if you’re traveling to Europe. After a couples years of relying solely on digital for taking photos when I travel, there are things you should consider before you head off on your next trip.

Charging Batteries is one of the biggest stumbling blocks you'll face when you travel. Outlets can be scarce in hotels. On a recent trip to Europe, only one of the five modern hotels I stayed in had more than one outlet available for use when charging up electronics. Charging your battery can be more of a hassle if you're traveling by train: If you take an overnight train in Europe, they don't have power adapters at the seats (certain trains do, but it's not something you can count on). I suggest bringing at least two rechargeable batteries, three if you plan to travel with overnight trains, or don't think you'll be able to charge every night. If your camera uses regular AA batteries, consider yourself lucky-you'll find those everywhere. Scope out the situation in your room when you check in: You should get at least one usable outlet, but don't count on more than that.

Bring your plugs. Some digital cameras typically come with a power brick that can handle international voltages, so you won't need a voltage adapter. However, you will need a power plug adapter to convert a US outlet plug to the local plug. Most of Europe is on the same outlet now-but not all countries accept the general "Europe" plug. Be sure to research what you'll need to jack in, and try to buy it before you leave (try CompUSA, Radio Shack, Rand McNally, or your local luggage store). If you don't have a chance to get what you need Stateside, don't fret: You should have no trouble finding an outlet converter overseas.

How do I offload my images? For fellow travelers using digicams, this was the number one problem I have heard repeatedly. Many comments from folks traveling for a week or more are: "I'm taking more pictures than I expected to." "I'm not shooting at the best resolution, because I need the room on my memory card." "I'm only halfway through my trip, and I have only 50 shots left." When you travel, odds are you'll take more pictures than you expect to also. A 1 GB card is very useful, and should suffice for low-usage shooters. But for those of us, who can go through a gigabyte or more in a day, not a week? Whether it's because your a high-volume shooter, shooting in RAW format, or a combination of the two. What I discovered is many who had digital SLRs, that had 5 megapixel or more reported they were traveling with a laptop to off load their images. None of these folks were traveling on business, so they didn't need to bring a laptop along. The sad fact is, for now, a laptop remains the most efficient and usable means of off loading images. Epson and Nikon have dedicated handheld units with a hard drive, card reader, and LCD display for copying over and viewing your images. But neither has a full-blown keyboard. If you're first buying a laptop, and intend to travel with it, I suggest going for the smallest one you can. Fujitsu, Panasonic, Sharp, and Sony all have models under four pounds. A laptop provides several additional advantages. For one thing, you can see your pictures on a big screen-to view how you're doing, and if you see any problems you want to correct with your exposure, for example, or if your pictures are being affected by dirt. For another thing, you can properly label your folders, so you know which pictures were taken where. Most newer laptops have integrated memory card readers, but otherwise, you can buy a small external card reader. For the wire-free approach, use a PC Card slot adapter for your memory card; and invest in a 32-bit Cardbus adapter (Delkin and Lexar Media offer these), for speedier transfers. Nothing's worse than coming back to the hotel after a long day of sightseeing, and needing to stay awake another 40 minutes just to off -load two 1 GB cards, at about 20 minutes a pop. If you bring a laptop, I also suggest investing in a portable hard drive. A portable hard drive can serve multiple purposes: It can be a means of backing up your photos on the go; a means of giving you a way to take your photos with you if you have to leave your laptop unattended; and a means of expansion, if you somehow manage to fill up your laptop's built-in hard disk. If you don't want to bring a laptop, and already have an Apple iPod, Belkin sells an attachment for using your iPod with memory cards; or, consider the pricey units from Nikon and Epson. And if you're in a bind, remember you can always buy memory overseas. I was surprised that when I went to Europe, the prices were high, but not so outrageously so that I wouldn't buy another card if I were in a bind. Cards were more readily available, too, than they were when I last traveled through Europe three years ago. Look at it this way: Even if you overpay on the card, you can still reuse it-which beats overpaying for a single use 35mm film cartridge when you were in a bind in years' past.

Be prepared for problems. Things happen when you travel and I've had more things go awry carrying my digital SLR than I have had with my 35mm over the years. Lens paper is always useful to have on hand, but if you have a digital SLR, another supply is absolutely critical: An air blower bulb, to blast out the dust and dirt that will inevitably get trapped inside your camera. I never had problems with my 35mm SLR, but with my digital SLR, I constantly find dirt gets trapped inside, when I change lenses. And there's nothing worse than having a splotch marring your otherwise awesome shots. Finally, remember the philosophy of redundancy. Whether your battery dies and you have no way to charge it, or you run out of space on your memory card(s), and don't want to buy another at a higher-than-usual price, I suggest packing a second camera if you can. A digital point and shoot is a good option but I usually carry a point and shoot 35mm to use if I run into any problems just so I won’t lose any precious pictures.

What you need to know about – Barcelona travel

Welcome to the home of 1888 World’s Fair and 1992 Olympics, the capital of Catalan region-a culture branded for its unique amalgam of Spanish and French mode of cooking. Known for its affluent culture and heritage, the city of Barcelona nestled on the shore of Mediterranean is of profoundly entrenched in the past.

The Spectacular Art and Architecture
Holidaying at Barcelona will treat your eyes with some of the worlds finest and out of the ordinary archaic architecture that stands unrivaled and unsullied till date. It is the work of the superlative Spaniard architect Antonio Gaudi. Gaudi’s exclusive masterpiece work can be sighted at the church of Sagrada Familia , the six storey apartment of Casa Batlo, Casa Mila also known as ‘The Quarry’-the multi family private residence that gives the impression of surging around the self same corner, Casa Vicens-the summer villa outside Barcelona that is a perfect blend of traditional and innovative designs and last but not the least the Park Guell an urban setting project, a magnum opus of this genius.

To intensify the magnificence of Barcelona, what waits ahead is the outstanding and exquisite work of Picasso. Picasso’s distinguished concerto is put on view at the Museu Picasso where wing of the museum parades Picasso’s take on Valazquez’s famous ‘Las Meninas’. The MNAC i.e. Museu Nacional d’Art de Catalunya displays an exotic collection of the work during Gothic and Renaissance era along with numerous other stupendous things like coins, medals, sculpture and carvings etc. but this is not all. A plethora of 20th century art and sculpture by prominent Joan Miro, Botero, Basquiat and Motherwell can be treasured at the MACBA – Mueseu d’ Art Contemporani de Barcelona and Museu Fundacio Joan Miro museums.

Something more about Barcelona
The months of June and July flicker with the celebration of the Fest de Grec-Barcelona arts festival, October and November have the onus for the international film festival and May is swarming with all the grand prix aficionados. You may choose any of these seasons and even apart from these to marvel at the exquisiteness of Barcelona. The accommodations are conveniently available suiting to your pocket. There are some good hotels at Sur Diagonal, Eixample, Barri Gotic etc. and luxury villas t spoil your self on the countryside. Barcelona on the streets of Spain has not scaled heights demographically. The thin population of les than two million, the city permits you to liberally roam around everywhere without much hurly burly.

On your vacation to Barcelona do not leave untouched the Ciutat Vella-the old city that nests in the midst of Barcelona that speaks of its rich Gothic architecture of medieval times and a memorable march on the pedestrian street of La Rambla that grounds vibrant markets and street entertainers.

The nightlife can be savored in the relatively solitary area of Gracia near the middle of Barcelona that also possesses the coveted Gaudi’s project of Casa Vicens. Let the water caress and pamper your body at the beaches of Little Barcelona or Barceloneta and let your mouth relish the succulent seafood served here in Little Barcelona. A breath of air along the contemporary urban development project-Eixample where a grid is made with a garden adjacent to each block is unquestionably meaningful.

Once you step into this massive city that is bifurcated into numerous districts and zones, you will have no snag in getting around. From metros, buses and trains to rental cars all are at your service. To the budget travelers it is advisable to take a special ‘Barcelona Card’ that permits you free entry and discounts on hundred renowned venues along with priceless public transportation.
So are you ready to be bedazzled by the Barcelona curves and curvatures?

What you need to know about – germany travel

Germany has always one of the centers of attractions on the globe. The place is as beautiful as the fantasy of an artist and the imagination of a poet. It has a rich history that’s speaks through the archaic and bewitching architecture and monuments, the culture and the convivial attitude of the locals. There are royal castles, magnificent castles and handmade houses that take you to the roads of the country’s glorious past. The wonderful cities of Germany like Berlin, Munich, Hamburg and Frankfurt etc. treat you with an ecstatic unity in diversity.

The best time to visit Germany is summer season. When the sun is shining above your head during the months of April to September, Germany is an ideal place with mild weather and sunshine. Once you reach Germany, it is a pleasure and delight to explore the place via a train. These trains take you from town to town providing you the best of all amenities and an opportunity not just to explore the interior but also the enthralling outskirts of each city.

A Little about the Cities-
Berlin, the capital city of Germany is a city full of life and passion that never lets your spirits down. Besides the entertaining and unforgettable nightlife of Berlin there are other attractions too. The Brandenburg Gate and the remains of the Berlin Wall in Berlin sing the saga of the time of Second World War when Hitler reigned over Germany, are remarkable things to watch. While you are in Berlin be sure to visit the Checkpoint Charlie Museum that throws more light on the history of Berlin Wall and has a collection of the relics related to unbeaten escape attempts across its borders. Apart from this you should also visit the Germaldegaleire or the traditional Picture Gallery that has an exotic collection of the 13th to 18th century art.

There are several good hotels to make your stay comfortable in Berlin. The archaic Adlon Hotel is quite a renowned hotel in Berlin. You can ask either ask your travel agency to reserve the lodging for you or search the internet.

The city of Munich is bustling with all sorts of people from students to musicians, artists and the like. The place is known for its nightlife and for the love for fashion. The season to visit Munich is from June to October when you can actually enjoy and taste the fun and flora of the city. The popular tourist spots are the Englischer Garden which has a Chineese Pagoda along with beautifully trimmed landscape parks. Then there are also the Residenz palace and Klostergasthof Andechs well known for its chilly beer.
Konigshof Hotel and Stachus Plaza are recommendable places to stay.

The city of Hamburg also known as the ‘gateway to the world’ is situated between the Lake Alster and River Elbe. The place has a horde of museums and historical buildings with a bubbling nightlife and delectable cuisine. Hotels like Kempinski Hotel Atlantic Hamburg located alongside Lake Alster can be opted to stay.
If you want to take a look at old timber houses along with skyscrapers then the city of Frankfurt is the right choice. The place has lots of attractions like Palmengarten (1869) -a home to thousands of wonderful plants, events of the sort Nokia Night of the Proms, the Frankfurt zoo and so forth.

Apart from these cities there are other celebrated cities are Cologne known for German architecture, long winding roads, restaurants and the hot favorite of children as well as kids-the Chocolate Museum, the city of Saarburg resting in the hills of Saar river valley and also the city known for giving birth too auto companies- Stuttgart.

All in all Germany is a perfect destination for your vacations!

What You Need To Know About – Students Travel

When traveling across the globe can be edgy for the adults, what to say of the students! However traveling abroad for learning or picnic can be entertaining for students too.

· The reason of your trip
The foremost task is to mull over the raison d'être of your trip for this determines the destination, the monetary issues, accommodation etc. for your tour.

· For Holidays With Pals
If the sole motive is enjoyment then your destination should gratify your desires. If cartoons and rides fascinate and beguile you, place like Disneyland is just what you want. If along with merriment you crave to enhance your learning and art and architecture absorb your attention, Germany, Barcelona and the like should be ascend your list.

Subsequent to deciding a perfect destination, collect information about the expenditure that is likely to befall your parents’ pockets. Rummage around for some beneficial packages that can take you round the world in least overheads.
Try to go in groups for that might save good bucks. But individual traveling too can be economic if you know how to govern your outlay corresponding to what little you have.

· The Age Factor
The age of the student makes lot of difference. If a student is quite young he should be associated with a chaperone. If a young student takes on the flight for the first time without parents, packing and reservations should be considered in detail and significance. All the medicines, warm clothes etc, should be vigilantly packed. It is always better and prudent to pin the I-Card of the student on his shirt. Along with the phone numbers of the hotel where the kids will take a breather, parents should have the complete itinerary.

· Travel For Purpose
Most often students travel abroad to participate in some international competitions or to enhance their educational qualifications like going to States for a doctorate program. If studies have hogged your attention, search the university that can live up to your expectations. Surf the Internet; collect every small and big detail. Consult your teachers and other bigwigs in that area that which university will be an ideal one for you.

Once you through with it, look for the costs. The cost includes your lodging, the course fee, food and the means to commute. Hunt for scholarships. These can be your best pals in turning your dreams to reality. Scholarships are offered by the universities and also by different organizations working in this area. A case in point is the AIFS offers a horde of scholarships. Those who are traveling with AIFS are awarded with these scholarships. Online information about the domestic as well as international scholarships is available. For instance CIMO – Centre for International Mobility feeds you the style to fund your travel to Finland.

If your providence does not click to a scholarship, don’t abandon the idea to touch the skies for there are other channels too. Like you can resort to fund raising which apparently might seem appalling and unusual but has tremendous benefits. Last but not the least, knock the door of student’s loans. Loans are offered by government along with private companies and banks. All you have to do is to a little struggle, some running around but remember this sweat so dropped will make your fortune. Once you land up at your destination, you can even carry out a part time job to meet your day to day expenses and minimize the responsibility on your parents.

Lodging should also be deemed. If some of your friend or relative is already nestled in that place or even nearby, the idea to stay with them is not a bad one. Else try for hostels and rooms on rents. But make sure that some planning for this is done beforehand.

Finally, make sure that packing is accurate. Also initially new place, new people and their culture might perturb you but don’t get distressed by these petty things. Keep in mind that if you are good to others, they too will be amicable. All that is required is some time to get accustomed to the place, people and their customs.

So, waiting for what …go ahead and live your dreams!

What you need to know about – Switzerland travel

Since time memorial, Switzerland has proved itself as one of the most cherished tourist destinations. Every part of this country seems to be caressed and lying in the lap of nature. The land of magical Alps Mountains, Lake Maggiore and the home of cities like Zurich and Bern need no introduction.

An Encounter with the Swiss Cities

Switzerland greets you with one of the most beautiful cities on earth-Zurich. This metropoplis is a significant financial center in the world. Apart from its blessed location at the tip of Limmat River, the city has some of breathtakingly wonderful attractions that include Gothic Fraumunster, the Church of Our Lady, the Fluntern Cemetery where the soul of famous Irish writer James Joyce rests in peace. You can take some of the most expensive items home from the Bahnhofstrasse Street meant for the rich. Accommodation is not a problem in this city for there are many a great hotels like The Widder Hotel, The Baur au Lac Hotel, Arabella Atlantis Sheraton Hotel and the like that provide the best of all amenities.

Cuddled up on the shores of river Geneva is the historical city of Switzerland-Geneva. Amongst a multitude of pulls, the city is known for possessing the world’s tallest fountain, a beautiful flower clock (Hologe Fleurie), the archaic Cathedrale de St.Pierreand the renowned Musee de L’ Horlogere that enhances your knowledge about the worldwide recognized Swiss watches.

The great Luzren’s Lowendenkmal, also known as Lion Monument can be gazed in the city of Luzren. The city is endowed with beautiful surroundings that include villages and mountains. The Luzren city happens to be at the spot where the River Reuss flows out of Lake Luzren. The bees are related to honey and water to bridges. So there are some grand worthwhile bridges here. For instance The Chaff Bridge, the Kapellbrucke or The Chapel Bridge that

If you are stunned with the popularity and status of ‘bears’, you have stepped in the metropolis Bern. Bern is a delightful city that is the capital of Switzerland and is nestled in a curve in the River Aare. The ancient exotic fountains, the majestic arcades that seem to be eternal and caring, the Kunstmuseum or art Museum with the original magnum opus of the genius Swiss painter Paul Klee, are some of the outstanding features of the Bern city. Some more museums like Bern Historical Museum that presents exclusive archaeological artifacts; 15th century tapestries etc., The Natural History Museum, the Communication Museum and the Kunsthalle Bern Museum always receive the vacationers’ attention.

The Bernese Oberland region of Bern is an evergreen tourist destination. The area has some of the captivating spots like Interlaken town that is bedecked by three mountains namely Jungfrau, Monch and the Eiger. The spectacular Grindelwald Glacier near the recognized Grindelwald resort never lets one take off his eyes from it. To elate your spirits the Trummelbach Falls that can be distinctively viewed via an elevator built in the rock and the Staubbach Waterfalls await your visit.

To rock your body on the pulsating music, celebrate with the Swiss their highly acclaimed Montreaux Jazz Festival in the Montreaux city. What can also be relished is the amazing work of art of the mentally ill and criminals at the distinguished Collection de l’Art Brut museum that is to be found in the city of Lausanne. The town of Klosters is swarming with visitors for its fantastic ski resort that too is known as Klosters. Skiing can also be enjoyed at the popular skiing resorts in the town of St. Moritz. Since the town rests on the southern side of Alps Mountains at an altitude of 6000 feet, it is all the more appealing to the visitors.