international travel

Make These 5 Money Moves Before You Travel Abroad

Holly Johnson — Fri, 24 Aug 2018 08:00:12 +0000

Traveling outside the U.S. requires more research and preparation than traveling close to home. You can't exactly pack a bag and hop on a plane. For starters, you'll have to get a passport to leave the U.S., and some countries require you to apply for a Visa ahead of time.

And there are other logistics to consider when you travel to a country with different customs than your own. Do you need to learn some key phrases in the local language, for example? Do you know how to get around, either by local bus, high-speed train, or car? How much can you pack, and how much should you pack?

Of course, there are also financial issues to prepare for — some of which you should take care of before you depart. As you prepare to travel abroad, consider this financial checklist of to-do's. (See also: Follow These 5 Credit Card Rules When Traveling Abroad)

1. Exchange some currency ahead of time

While you may not know how much cash you'll need during your international trip, it's smart to have at least some of the local currency before you arrive to your destination. You'll probably want to get out of the airport quickly and need the cash to pay for a taxi or bus fare, for example. Or, perhaps you want the security of knowing you have money if your bank cards or credit cards don't work. It never hurts to be prepared.

Fortunately, it's fairly easy to get currency for nearly anywhere in the world if you plan ahead. Reach out to your bank or credit union early and you can get your hands on international currency within a few days, most of the time. Generally speaking, you will get a better exchange rate from your own bank or credit union than if you exchange currency at the airport currency exchange desk. Just don't carry so much that you end up with load of cash on you. (See also: How to Evaluate an Exchange Rate)

2. Find out how much it will cost to use your ATM card abroad

You can also wait until you arrive to get local currency out of the ATM. However, you should find out what fees you'll be charged for making a foreign transaction, if any.

Keep in mind that you may be charged more than one fee to use your ATM card abroad. First, your bank may charge you a fee for using an out-of-network ATM. Second, the bank that owns the ATM could tack on their own fees. Finally, you will likely be charged a foreign transaction fee for using an ATM outside the U.S.

If you're traveling for a long time, staying in one place, and you plan early enough, you can also consider opening an account with a bank that offers ATM usage with fewer fees or no fees. You may not want to open a new checking account before your overseas trip, but it's an option to consider if you've been thinking about getting a new checking account anyway. (See also: 11 Ways to Avoid Bank Fees While Traveling)

3. Get a credit card with no foreign transaction fees

In addition to figuring out how much you'll pay to use your ATM card abroad, you'll also want to figure out a way to avoid foreign transaction fees on purchases made with credit. The foreign transaction fee is a fee levied on purchases made abroad with many credit cards, and it's usually around 3% of your purchase.

The best way to avoid paying this fee altogether is by signing up for a credit card that doesn't charge foreign transaction fees. There are many cards that fall into this category, including ones that don't charge an annual fee.

Apply for one of these cards and bring it with you on your trip, and you'll be glad you did. Better yet, get two cards with no foreign transaction fees from two different card issuers. This way, you can have a backup card to use in case you have trouble with your primary card for any reason. You may even want to carry one card with you and leave the other in your luggage in case the card you're using gets lost or stolen.

4. Call your bank and credit card issuer

Purchases and ATM withdrawals made abroad may be flagged as fraudulent if your bank doesn't know you're traveling. In that case, you may not be able to use your debit card or credit card until you get the situation worked out.

Since you probably want to avoid banking snafus on your big trip, call your bank and credit card issuers before you depart to let them know where you're traveling and when. Doing so will give your bank the time to update your account to reflect your upcoming travels.

5. Record your credit card information and stash it away

You need to protect yourself in case your belongings are stolen abroad. While using a safe and locking up your luggage are smart ideas, there are additional steps you can take to protect your credit card numbers.

One step to take is writing down all your credit card and ATM numbers separately in case your physical cards are stolen. Also make sure to write down customer service numbers that can be found on the back of each card. Keep a copy with you in your luggage and separate from your wallet.

If your cards are stolen or lost, you'll have your account numbers and customer service details on hand. This will make getting ahold of your bank — and getting those card numbers out of service — infinitely easier. Your bank may even be able to expedite a new credit or debit card or to your hotel. (See also: How to Avoid Theft While Traveling)

Like this article? Pin it!

This article is from Holly Johnson of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Travel Warnings You Shouldn't Ignore

Paul Michael — Fri, 18 May 2018 08:00:36 +0000

Whether you're traveling for a much-needed vacation, a business trip, or just want to see family and friends, you cannot presume that everything is going to go off without a hitch once you reach your destination. While some issues are unavoidable (the hotel room isn't ready, the rental car breaks down, someone gets sick), there are others that can be avoided if you pay close attention to travel advisories. These warnings are given days, or even weeks, in advance, and can save you time, money, and in extreme cases, can even mean life or death.

1. Extreme weather

Weather is one of the easiest vacation issues to predict. Advances in meteorological science mean that weather experts can predict major problems with a reliable degree of accuracy. That means hurricanes, tornadoes, floods, torrential rain, extreme heat, blizzards, and even dangerous hail are literally on the radar for meteorologists.

If they warn you of these weather conditions before you are set to travel anywhere, rethink your plans. Extreme weather shifts like this can ground planes, cause car crashes, wipe out roads and buildings, and lead to serious injury and death. Don't mess with mother nature; you'll lose. (See also: 7 Times Travel Insurance Is Worth It)

2. Civil unrest and political upheaval

Most of us are fortunate enough to live in a land of (relative) peace. It's easy to forget that in some parts of the world, citizens are in a fight for justice, and their lives, on a daily basis. If you are not up on the latest news from around the world, you could be in for a rude awakening when you get to your destination. For example, the U.S. government is currently advising you to reconsider travel to the Democratic Republic of Congo, Venezuela, and Sudan, among others, due primarily to crime and civil unrest in these regions.

If you must travel to these areas, perhaps for work or a family emergency, you should exercise extreme caution and take the necessary steps to stay safe when you arrive. Consider a local trusted guide or escort who can advise you on where to go and, more importantly, where to avoid. (See also: 5 of the Safest Countries to Visit in 2018)

3. Health and disease

While modern medicine safeguards us and helps us recover from all kinds of communicable diseases, you cannot take any risks when traveling abroad. That's why you should always check with the Centers for Disease Control and Prevention (CDC) before taking any kind of trip.

Current notices at the time of this writing include an outbreak of malaria and listeriosis in South Africa, and malaria and yellow fever in Brazil. And since June of 2017, over 2,000 cases of Middle East respiratory syndrome (MERS) have been identified in multiple countries in the Arabian Peninsula. You can get additional vaccines before you travel, or if you are really concerned, change your plans to a different location. (See also: 7 Ways to Avoid Getting Seriously Sick on Vacation)

4. Terrorism

Since September 11, 2001, terror attacks have increased substantially in some parts of the world. The State Department currently has Afghanistan, Iran, Iraq, Libya, Mali, North Korea, Somalia, South Sudan, Syria, and Yemen on the Do Not Travel list, primarily due to incidents of terrorism.

Many other countries get a Reconsider Travel notice for terrorism dangers, including Pakistan, Burkina Faso, Chad, and Lebanon. These terrorism warnings are constantly updated, so if you know you may be traveling to a part of the world that has been home to terrorist activity, check the list and consider your alternatives.

5. Crime and personal safety

While the two often go hand in hand, there are some distinctions to be made here. For example, many countries have a crime rate far in excess of anything you've experienced in the United States, and as such, you will not be prepared for the dangers without first researching the area. El Salvador, Burundi, Guatemala, Nigeria, and Mauritania are all flagged right now for problems with crime. Take the following precautions in places known to have a high crime rate:

Consider hotels that offer secure parking, doormen, and a dedicated and professional security staff.
Request security escorts, available for tourist groups.
Be aware of your surroundings.
Avoid walking or driving at night.
Do not physically resist any robbery attempt.
Do not use public ATMs.
Do not display signs of wealth, such as wearing expensive watches or jewelry.

While crime can certainly result in physical danger, there is another kind of personal safety issue you need to be aware of. It's known as "risk of arrest and detention," and happens in places that have a volatile relationship with the U.S. North Korea is a prime example, and if you do not have special validation from the Department of State to travel in, or through, North Korea, you may find yourself in deep trouble.

6. Airline issues

Perhaps one of the most obvious, but often overlooked, travel warnings come from the airlines themselves. When we think of a travel advisory, we think of weather issues, health and disease, crime, and civil unrest. But one surefire way that your vacation can come to a grinding halt is when the airline has an issue. Anything from a computer system going down, to problems with labor negotiations and strikes, or mechanical malfunctions and serious delays, can put a serious dent in your plans.

Every airline has its own alert page, so if you know which airline you plan on taking, check out that alert page regularly.

7. War

We live in turbulent political times. While some wars have been raging for decades, others could break out at the drop of a hat. If you're not following politics closely, you should take notice if the region you are traveling to is about to go to war (or is actually at war and you didn't even know it). The most infamous places right now are Syria, Afghanistan, Iraq, Darfur, Myanmar, Nigeria, Libya, Sudan, Yemen, and the Central African Republic.

Other danger zones closer to home are some regions of Mexico. Since 2006, the Mexican drug war has had over 106,000 casualties, with almost 15,000 of those coming in 2017 alone. The Mexican states of Colima, Guerrero, Michoacán, Sinaloa, and Tamaulipas are all currently on the Do Not Travel list due to crime. (See also: 4 Affordable Destinations That Are Safer Than You Think)

8. Geological disasters

This is a broad term, because you could easily put extreme weather into this category. But in this instance, it's reserved for natural disasters. For example, when Iceland's volcano Eyjafjallajökull blew in 2010, massive clouds of ash made travel impossible for millions of people. An earthquake warning, or the threat of a volcanic eruption or a landslide, should be taken very seriously. If you're planning on traveling to a place known for these kinds of natural disasters, and there's evidence that you could be caught in something horrific, change your plans.

Like this article? Pin it!

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Travel Internationally With Your Kids

Nick Wharton — Tue, 15 May 2018 08:30:25 +0000

Making the decision to go on a family vacation can be kind of terrifying, especially if it's your first time. Everything we're told about raising children revolves around the importance of routine and stability — two things you're likely to lose on a travel day.

It can be challenging just trying to get the kids off to school in the morning, let alone taking them to a new country on a one-week vacation. Travel days will likely be your biggest challenge because once you arrive at your hotel or resort, you can mostly relax and enjoy. But you can mitigate most of the stress and chaos of long travel days by packing the right items and following a few simple rules. (See also: How to Wisely Choose Your Next Travel Destination)

1. Choose the right destinations

The right destinations for you and your family will depend on a lot of factors, as there's no one-size-fits-all destination. While you don't need to rule out certain countries because you're traveling with kids, you do need to take your children's ages into consideration to find locations that will be the most suitable for kids.

Daily adventures like long hikes may be more difficult with younger children, whereas many teenagers will need things to keep them stimulated. A good way to ensure everyone is happy is to get them involved in the decision-making. Older kids can do their own research on the internet, while younger children can be given a number of options to choose from after explaining what each has to offer. (See also: 5 Affordable Vacations to Please Every Age Group)

2. Book family-friendly accommodations

Booking the right accommodation is vital to making traveling the world with your family a success. Those with kids, particularly younger ones, will attest that a good night's sleep can mean the difference between a fun day and a nightmare. Your options are obviously more limited than when you're solo traveling or with friends, with many hostels, guesthouses, and even some hotels operating a no-children policy.

Your best options are to stay in hotel suites, or to rent full apartments through sites like Airbnb. Privacy is a must, and it's great to have your own space to relax in, and for the kids to have room to play and run around. You can narrow the hotel options on search engines by using the sort function to filter by family-friendly properties. Airbnb also enables you to find entire houses or apartments that are family-friendly. (See also: How Hotel Booking Websites Can Save You Money)

3. Pack light

What to pack is often at the forefront of parents' minds when they make the decision to travel with their family. Just the thought of trying to condense all of the gear — particularly associated with younger children — down to a manageable amount can be daunting. Things like strollers, car seats, and carriers all take up huge amounts of space, and that's before toys, clothes, and everything else they might need. (See also: 7 Ways Families Can Travel Like Minimalists)

Packing as light as possible will make moving around far easier, and will potentially save your family lots of money in excess baggage fees. As soon as your kids are old enough to carry a backpack or wheel a suitcase, it's a good idea to get them involved in the packing stage as well. They'll soon come to appreciate the importance of packing light, and will enjoy being involved in the process.

Generally, anything that's an absolute necessity for children will be available pretty much anywhere you go, but here are a few things that you can pack to ensure that your travel day will run as smoothly as possible.

Baby wipes

There are a lot of germs on travel days and your little ones are going to be more susceptible to catching something on the road. Bring a few sanitizer or baby wipes and wipe down airplane seats, seat belts, handles and any surfaces your children may touch during the trip.

Comfort toy

Most children have some kind of toy, blanket, or pacifier that calms them down. Bring it! These simple items can be life savers.

Tablet

Load it up with all of your kid's favorite music, movies, and TV shows and let them play and watch to their heart's content. Keep in mind that while on buses and in cars, you may want to limit exposure as it can lead to motion sickness.

Child-sized luggage

Kids like to feel like adults from time to time, and by having their own carry-on luggage or backpack, not only will they feel like Mom and Dad, but they'll be able to carry some of their own things and access them when they feel like it.

Headphones

Even if you don't have a tablet or smartphone for your kids, you can usually plug in the headphones and let them watch the entertainment provided on planes and buses.

Lots of water

This is something you don't want to run out of. Bring plenty of water and have your kids carry their own bottle, either clipped to their person or onto their luggage.

Trash bags

With wet wipes, snacks, water bottles, and tissue, you're likely to have a lot of trash on travel days. Bring bags to easily store it all until you can ditch it in a proper trash bin.

Healthy snacks

Loading your kids up on sugar on travel days is just asking for trouble. Instead, pack low-sugar, healthy snacks like crackers, nuts, cheese sticks, Cheerios, and pretzels.

Sunscreen

Even if you're planning to be in the airport for most of your travel day, you never know if you'll be by the bus window on the tarmac or waiting in line to board the plane. Bring lots of sunscreen and keep everyone from getting burned. (See also: The 5 Best Sunscreens)

Camera

Keep your camera somewhere that you can easily grab it at a moment's notice. Funny things happen on travel days and it's always adorable to take a photograph of your kid boarding a plane or looking out the plane window.

4. Slow it down

Though it's completely possible to move from place to place relatively quickly with a family, if you have the luxury of an extended vacation, it's a much better idea to take it slowly and spend a good amount of time in each destination. This is important for practical reasons, like not having the hassle of unpacking and repacking every few days, but it will also allow you to create routines and provide a level of stability in each place.

Slow travel will allow you the option of booking longer-term accommodation, which is likely to bring the cost down. Rather than staying in hotel suites, you'll be able to book houses or apartments via sites like Airbnb, where hosts regularly offer long-stay discounts, or directly with local landlords.

Moving quickly can begin to feel like a whirlwind of activity and leave no time for your children to build attachments to places. In contrast, spending a few weeks or months in one spot will allow your kids to get familiar with the people and places at the location and give them a deeper connection. (See also: Savor Your Trip and Save Big With These 5 Slow Travel Tips)

5. Plan ahead when flying with babies

Generally, you won't pay for airline tickets for children under two years of age who sit in your lap, at least on domestic flights. However, you do still have to inform the airline when booking that you're traveling with a small child. You may also want to reserve a baby cot or bassinet with the airline in advance, or arrive early for those that operate on a first come, first served basis. It's generally free, but check with each airline for their individual policies.

6. Sign the kids up for frequent flyer miles

On many airlines, frequent flyer programs have no age minimum, meaning kids can earn points, as well as adults. They will have to have their own frequent flyer account in order to start accumulating the points, but that's just a matter of filling out a simple form. Pooling family members' points can be a quick way to multiply your earnings. (See also: Everything You Need to Know About Frequent Flyer Miles)

7. Get a travel-friendly stroller

Nothing is more annoying than fumbling around with a bulky stroller while trying to check into a flight. You may want to consider an fold-up umbrella-style stroller or a lightweight, portable travel stroller. There are plenty on Amazon to choose from, and most stores that carry strollers will also carry umbrella strollers and other lighter-weight options.

8. Make sure kids sit middle or window

The aisle seat is a surprisingly dangerous place for little ones. With heavy metal carts and people whizzing by, I've seen many a tiny finger squished by an unsuspecting passenger, who feels awful afterward.

To avoid a lot of tears and potentially a broken finger, always try to seat your little ones in away from the aisle.

9. Have a "what if I get lost?" plan

This one seems obvious, but in the rush and chaos of getting everyone to the airport on time, many parents forget to form an emergency plan with their children on travel days. Whenever you arrive in a new place, let your child know which people are security or police and who to go to in the event of splitting up.

Also, choose a safe and secure meeting point that you can all head to if for some reason you can't find one another. If your kids are a little older, make sure everyone has their phone volume on loud and set to vibrate so that you can call each other if anyone gets lost.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Sell All Your Stuff and Travel the World

Nick Wharton — Tue, 08 May 2018 08:30:29 +0000

Many of us dream of escaping the cubicle and traveling the world. But very few people actually have the means to take the plunge and make it happen. One of the most common reasons for staying put is not having enough money to satisfy that wanderlust. However, most of us have a ready-made travel fund at our disposal in the numerous possessions that we own.

One of the quickest and easiest methods of committing to a life of travel and being able to afford it without years of saving is to sell everything you own. Here's how to do it. (See also: Make Money and Declutter by Selling These 5 Unlikely Treasures)

Get in the right frame of mind

Selling everything you own might feel nothing short of terrifying, never mind the fact that you'll be setting off on a journey into the unknown immediately after. For most people, the thought of getting rid of things that they've had for years and formed emotional attachments to can cause serious distress.

However, if you're ready to embark on this adventure, you'll need to get into the mindset of valuing experiences over physical possessions. A great method for doing this is to find a way to remind yourself of exactly why you're doing this and the amazing memories it's going to pay for. Selling that beloved car that you'd dreamed about owning for years? That's potentially six months' worth of accommodation costs paid for. Getting rid of a childhood toy that was a birthday gift from your parents and has now become a collectors' item? That could pay for a delicious meal out.

You can find a million reasons to set aside stuff that you don't want to sell, but once you start down that path, it's difficult to stop. Mentally detaching yourself from your possessions can be gut-wrenching, but once it's done, you'll feel free of all that material baggage and ready for a new chapter. (See also: 4 Reasons You Should Splurge on Experiences, Not Things)

By focusing on the positives that come from selling your belongings, you'll be able to start reframing the experience in your mind to one that's enjoyable. Go through your digital and hard-copy photos from previous trips, or read an inspirational travel blog every day. Whatever it is, find a way to maintain that sightseeing excitement when you start feeling blue. (See also: 8 Ways Clutter Keeps You Poor)

Get organized

Sort through all the stuff you're going to sell, and categorize it into separate piles. Make an inventory list for everything you have, either in a notepad, or in a spreadsheet so it's easy to search and edit. This will also come in handy for tracking what's sold and for how much.

Once everything is on the inventory list, price each item by checking eBay and Craigslist to see how much similar items are going for. This will take some time, but will be worth it to ensure you're getting market value and not letting things go too cheaply or expecting way too much.

Set a date

Once your items are priced and ready to go, it's important to quit procrastinating and just start selling. The best way to jolt yourself into action is to set a date when you're going to have everything sold by. The longer you wait to start, the easier it is to talk yourself out of selling certain items, and the harder it will be to actually let everything go.

Be realistic when you're setting the date and take into account how long it's going to take to put your possessions up for sale, plus the amount of time it may take before they’re actually sold. Not everything will be snapped up right away, and even some extremely valuable items may take a long time to get rid of. Allow yourself at least a few weeks, but ideally, a number of months to get everything sold.

You can also set a target for how much you want to make from selling everything and break it down into a weekly target. This way you can work toward it in increments and maintain your focus by just doing a little bit each day.

Use the right platforms

To maximize the amount of money you're recouping for each item, it's important to choose the right platform to sell it on. Though it may take more time to do it this way, it will ensure you receive the best value for your belongings.

eBay

This site is great for collectibles or other small items that have a decent value. For these items, it's best to use the auction function in the hope that you spark a bidding war between interested parties, driving the price up.

Don't be tempted to just throw a bad picture up there and a two-word description of the item. The more effort you put in, the more attractive you can make things look. Put a bit of time into writing brand names, captions, and taking photos that show items in their best light. (See also: How I Make $800 on Month on eBay Selling Used Clothes)

Craigslist

Things that are going to warrant huge postal fees are more suitable for local pickup. That’s why Craigslist is a great option for these item. Think furniture and bulky items like TVs.

Pro tip: When buyers come to collect, take the opportunity to show them your other stuff and ask if they're on the lookout for anything else. You may be surprised at how many extra sales you make this way.

Yard sales

Remember, one person's junk is another person's treasure. Because of this, even the odd bits and pieces that you may not think would sell might earn you a few dollars or more in the right setting. Yard and garage sales are great for these kinds of items, because in my experience, they're often attended by people looking for unusual objects. (See also: 12 Garage Sale Items That Sell Like Hotcakes)

At a sale I held, a woman was looking for absolutely anything miniature. She made doll houses, and was interested in objects that would be suitable to furnish them, and was willing to pay for items that probably wouldn't have sold elsewhere.

Facebook Marketplace

Facebook Marketplace can be a great tool for selling specialist items, and items to people who live nearby. You have to have a Facebook account in order to use this part of the platform, and you can include photos, the price you're offering the item for, and any additional details. Interested buyers can contact you via direct message to inquire if the item is still available, or ask questions. You don't need to be Facebook friends in order to connect with potential buyers.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Provide Proof of Onward Travel During an Open-Ended Trip Abroad

Nick Wharton — Wed, 28 Mar 2018 09:30:21 +0000

If you're traveling overseas on a one-way ticket, but haven't booked a journey out of the country you're visiting, you may be in for a shock at the airport. As a precaution against tourists overstaying their visas, many countries require that you prove your intention to leave. Usually they pass the responsibility of checking this onto the airlines, meaning you'll probably be asked for what's known as "proof of onward travel" when you're checking in at your departing airport. If you don't have a ticket to demonstrate how and when you'll be leaving the country, you may be prevented from boarding the aircraft.

But what if, like many long-term travelers, you don't have an exact itinerary or solid idea of how and when you're going to leave? Here are six ways to provide proof of onward travel without having to compromise on the spontaneity of your trip.

1. Buy a refundable ticket to depart

By booking yourself a fully refundable ticket to anywhere outside of your destination, you'll have irrefutable proof that you intend to leave the country when you say you will. Even in the unlikely event that the airline checks your reservation, then you have a ticket that is legitimately valid.

Print the travel details before arriving at the airport so you have them, if requested. Once you're safely in your new destination, cancel the ticket and redeem your refund.

This is probably the safest way to provide proof of onward travel, but you need to pay close attention when reading the terms and conditions before finalizing your booking. While some airlines claim to offer refundable tickets, what they actually offer is the price of your ticket returned in voucher or credit form. These tend to only be redeemable with the same carrier, and the cash that you've forked over won't be coming back to you. Also, refundable tickets tend to be significantly more expensive than a regular fare, so be prepared to pay extra up front.

2. Book a 24-hour refundable ticket

Under the 24-Hour Reservation Requirement, mandated by the U.S. Department of Transportation, all U.S. airlines and foreign air carriers marketing to U.S. customers are obligated by law to "allow a reservation to be canceled within 24 hours without penalty." Many other carriers and flight brokers offer the same terms when purchasing flights with them.

There are two ways to use this 24-hour cancellation period to your advantage. First, you can book a ticket, wait for your reservation details to come through, and print them off before immediately canceling. You run the risk that the airline you’re flying will check your return reservation and see it canceled, of course, though it's rare they do anything more than look at the documents you provide. If you choose this option, book with a different company than the one you're flying with so it's not as easy for them to check the reservation.

Alternatively, you can purchase the onward ticket on the day of your flight so it's valid regardless, and as long as you arrive at your destination within that 24-hour period, you can cancel the departing flight when you land. (See also: How to Save Money on Flights Using Fare Alerts)

Bonus tip: Expedia.com offers free one-click 24-hour cancellation on most flights. You don't have to call the airline or talk to a representative, as there's an easy cancel button that will allow you to get a full refund with no questions asked. Just make sure that the flight says "Free 24-Hour Cancellation" during the booking process at Expedia.com.

3. Use fare rental sites

An entire industry has arisen because of the need to provide onward travel, with companies like BestOnwardTicket offering a fare rental. For a fee of around $12, companies like this will purchase your chosen tickets based on the details you provide. They will then automatically cancel them within 24 to 48 hours, depending on the option you select.

It's similar to booking a ticket yourself, but you don't have to worry about canceling it as that responsibility falls to the fare rental company. There are no concerns around having the funds in place for the ticket in the first place, and you don't have to do anything to secure that refund. You also don't have to spend time looking for a carrier that offers a refund or searching for suitable flights yourself.

Note that some companies offering this service should not be trusted, so make sure to read customer reviews and thoroughly vet their terms and conditions before paying any fees.

4. Get a pre-booked itinerary from a travel agent

Pre-booked travel agent itineraries are more commonly used for visa applications where it's important to show not only your onward travel details, but also your timetable for your entire journey. As part of this, many travel agents offer a service where they will hold airline tickets for a certain period of time for you, usually between seven and 21 days.

It's similar to the fare rental services, but they tend to be slightly more expensive at $35 and up. The benefit of these itineraries is that they can be used by people traveling to multiple countries because you're able to put more than one flight on them. Companies such as Flight Reservation for Visa and Visa Reservation offer competitive services.

5. Purchase a cheap ticket

In some instances, the most hassle-free option may be to purchase a cheap ticket to another country. It will give you peace of mind knowing you have an authentic ticket in your possession, and depending on where you are in the world, tickets can be extremely low-priced. Budget airlines regularly do flash sales, and many have routes that are always affordable.

Remember, proof of onward travel doesn't have to be a flight, either, so you have many options to find an affordable ticket out of the country. Bus journeys or ferry crossings are commonly cheaper than flights, and you can often book them online in advance. This option also comes without the inconvenience of having to go through a refund claim. (See also: 10 Flight Booking Hacks to Save You Hundreds)

6. Sign off

Some airlines allow you to sign a contract at the departing airport saying that you don't have valid proof of an onward journey, but you do have means to leave the country. If you arrive at your destination and are turned away by the immigration officers, this contract simply relieves the airline of any responsibility or liability for bringing you into the country, and you'll be required to pay for a deportation flight ticket yourself.

I recently signed a document like this flying with Air China from Tokyo to Manzanillo, Mexico. Upon arriving at the airport, I was not asked about onward travel and was allowed into the country as usual.

If you arrive at the airport without proof of onward travel, you may want to speak to a manager at the check-in counter and request to sign a contract that will allow you to risk the journey.

Note: This is still a risky way to go, because if you don't know the regulations in the country you're arriving in and you do get turned away, it could be a costly endeavor.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

11 ATM Mistakes to Avoid Overseas

Nick Wharton — Fri, 16 Mar 2018 09:30:22 +0000

Thanks to ATMs being so widespread globally, you can travel to a foreign country with little more than a bank card and gain instant access to your cash. However, without an understanding of the differences between using an ATM at home and abroad, you could end up in serious trouble. Here are 11 common ATM mistakes to avoid while overseas.

1. Using your credit card for ATM withdrawals

Credit cards typically charge larger fees when you take out a cash advance at an overseas ATM. You’ll be charged a cash advance fee, probably an ATM fee, and possibly a foreign transaction fee (unless you have a credit card with no foreign transaction fees). Plus you’ll instantly be charged interest on the cash advance at a higher rate than your purchase APR.

Do yourself a favor: Only take out money using your debit card and save your travel rewards card for direct purchases.

2. Not getting a checking account with no ATM fees

Even if you're using the ATM of the same institution that you bank with at home, you're still likely to get hit with ATM fees just for taking money out. Avoid this by signing up for an account that promises no international ATM fees. Several U.S. banks and financial institutions offer zero ATM fees, and even if the ATM applies one, you'll likely get reimbursed at the end of the month. (See also: 11 Ways to Avoid Bank Fees While Traveling)

3. Thinking ATMs can do the same transactions as in the U.S.

If you're hoping to pay bills, transfer money between accounts, or even see an accurate account balance when you’re abroad, think again. Many foreign ATMs are relatively one dimensional, particularly when it comes to using them with nonnative cards. Be prepared to only withdraw cash from ATMs and setup online banking or use your bank's app for anything else.

4. Not telling your bank about your trip

As part of their fight against fraudulent activity, banks will often take the precaution of freezing your account whenever anything unexpected happens. This includes you attempting to withdraw cash in another country if you haven't made them aware of your travel plans. All it takes is a quick visit, phone call, or online update to let your bank know where you're going and for how long, and you should have no issues.

5. Not counting your money upon withdrawal

Though no one wants to be standing around in an unfamiliar country flicking through wads of cash, you also don't want to be shortchanged by the ATM. Before you head off, always discreetly check that the amount you've received matches the amount you've requested so you can sort out any issues while you're still there. It's also better to withdraw cash during the day, and from an actual bank premises while it's open so you can simply pop in if a problem arises.

6. Not setting up bank app notifications

Most banks now have apps with systems to alert you when various activities are detected on your account. The most important of these to set up is receiving a notification whenever a withdrawal is made, even if it's one that the bank doesn't suspect as fraudulent. This way you can easily keep track of everything happening on your account while overseas and quickly recognize if something is amiss. (See also: 6 Big Ways ATMs Are Changing)

7. Not keeping a copy of your ATM card somewhere

If your card gets stolen, swallowed by an ATM, or simply lost, then it's important to have backup copies of it. These will allow you to cancel the card quickly as well as order a replacement for when you get home. Rather than having paper copies, it's a better idea to create a digital backup (a photo) and store it somewhere safe. (See also: The ATM Just Ate Your Deposit. Now What?)

8. Not changing the daily withdrawal limit

Many travelers choose to lower their daily withdrawal limit when they head overseas. This means that in the event of someone getting ahold of your card and attempting to withdraw cash fraudulently, they will only gain access to a certain amount.

It's also wise to use two accounts to manage your cash. Set up the one without a connected bank card to keep the majority of your travel cash in, and use online banking to transfer money to the other account with the bank card. Your money will then be doubly protected if your card goes missing.

9. Not checking ATMs for skimmers

This is something you should be doing regardless of where in the world you're using an ATM, even if it's at home. But having your card cloned in a foreign country can be even more traumatic, and sorting everything out in the aftermath an inconvenient process.

Always take a good look at the card slot before sticking your card in to make sure there's nothing suspicious about it, and if you're in any way concerned, move onto another one. (See also: 10 Tips to Save You from an ATM Skimmer)

10. Not having a small cash backup

Despite the fact that ATMs are now easy to find in virtually any corner of the world, it always pays to have a plan B in the event of something going wrong. The best way to do this is to always have a small cash backup that you keep somewhere safe separate from the rest of your cash, just for emergencies.

11. Not having your bank's phone number readily available

Unfortunately, sometimes the worst does happen and you can be stuck with a number of problems at the ATM. When it comes to banking, time can literally mean money in an emergency situation. That's why it's vital that you have your bank's phone number on hand so you can contact them quickly in a crisis. And remember to input the international dialing code if necessary.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Avoid International Baggage Fees

Jason Steele — Tue, 06 Mar 2018 09:30:15 +0000

Most airlines will charge you to check luggage when traveling within the United States, but until recently, they at least let you check one bag for free on most international trips. Perhaps it was just a matter of time, but some airlines are now imposing the same dreaded bag fees on international flights as well.

This is especially true on the Basic Economy fares that the major airlines have adopted, which don't allow you to check any bags for free or even put anything in the overhead bin. (See also: Beware These Sneaky Fees on Discount Airfare)

Here are the times you'll have to pay a baggage fee for international flights.

American

American charges $25 for your first checked bag on flights to Canada, Mexico, the Caribbean, and Central America (except Panama). It has yet to offer Basic Economy fares to destinations where it currently offers a free checked bag, though it has announced it will begin Basic Economy flights to Europe in April. There is no word yet on how much it will charge for a checked bag when those flights begins.

Delta

While Delta still offers a free checked bag to most international destinations on most fares, it will charge $25 for the first checked bag on flights to Mexico, Canada, Central America (except El Salvador), Caribbean, Guyana, and Bermuda. However, it recently imposed a $60 bag fee for its Basic Economy fares on flights from the U.S. and Canada to and from Europe or North Africa for flights on or after April 10, 2018. Your first checked bag is still free if you purchase Delta's more expensive Main Cabin fares.

United

United also charges $25 to check your first bag to international destinations in Canada, Mexico, the Caribbean, and Central America. Flights to other international destinations allow your first bag to be checked for free, and United hasn't begun offering Basic Economy fares on those flights yet.

European carriers

Many European carriers have begun offering their own Basic Economy fares on flights within Europe and to the U.S., which they often label "Economy Light." As with the Basic Economy fares offered by the major U.S. airlines, the Economy Light fares on European airlines don't include a free checked bag, but their regular intercontinental flights still do.

Examples of major European carriers that have Economy Light fares include Lufthansa, Air France, Swiss, and Austrian. The baggage fees range, and can be quite expensive. Lufthansa charges $60 for a checked bag in Economy Light for a transatlantic flight ($100 if you pay at the airport). Swiss Air charges $150.

Avoiding baggage fees on international flights

Even though the airlines are counting on baggage fees to earn them even greater profits, there are several ways you can avoid having to pay for them.

1. Have the right credit card

Most airline credit cards offer cardholders and their companions a free checked bag, but you'll have to read the fine print. Many cards allow for one free checked bag only within the U.S.

In these cases, you may be better off with other types of credit cards that offer you annual statement credits toward airline fees, such as those for checked baggage. Another option is a travel rewards credit card that offers miles that can be redeemed as statement credits for travel charges, including airline fees for checked bags. (See also: Best Travel Rewards Credit Cards)

2. Travel on the right airline

While airlines tend to copy each other when imposing baggage fees, there are some exceptions. For example, Southwest offers all customers two free checked bags on flights to all of its destinations including those in Mexico, the Caribbean, and Central America. (See also: 6 Ways to Save on Baggage Fees)

3. Check child car seats

All airlines allow you check child car seats for free. To protect the child car seat, it's best to place it in a large duffel bag. And if you happen to have a few other items packed underneath the seat, it's unlikely that the airline will notice or care.

4. Maximize your carry-on allowance

Even when you will be charged for a checked bag, many airlines still allow each passenger to carry on both a suitcase and a "personal item" such as a purse, briefcase, or backpack that can fit underneath the seat in front of you. To carry the most possible, pay close attention to the maximum size allowable and pack efficiently. And if you need to carry a large coat or jacket, try to wear it on the plane rather than pack it. Of course, you are free to stow your jacket in the overhead compartment once you are onboard.

Finally, always be careful to look at the baggage allowance when purchasing basic economy fares, economy light fares, or tickets on an ultra low-cost carrier. These tickets don't usually include a carry-on suitcase, just a personal item. (See also: 5 Ways Carry-On Luggage Can Save You Time and Money)

5. Avoid basic economy fares

As basic economy fares spread, it is becoming even harder to avoid checked baggage fees. It might be worth it to pay more for your airfare just to avoid a basic economy ticket.

First, the additional cost of your checked baggage may make the price comparable to a standard fare. But also, basic economy fares don't come with the ability to select assigned seats together, and are not changeable for any price. If the price of a standard fare is close to a basic economy fare plus baggage fees, you may be better off just paying for the standard ticket.

6. Be aware of exemptions for active duty military members and dependents

Most U.S. airlines and even some European carriers have policies that exempt active duty service members and their families from baggage fees, but some limit it to travel on orders or relocation, while others do not. If you are on active duty or are the dependent of an active duty service member, pay close attention to these policies, and make sure to bring your military ID and any other required documentation.

7. Have elite status

If you fly enough, then you may have earned elite status with an airline that allows you to avoid bag fees. In fact, that elite status will offer you bag fee waivers when traveling on a partner airline within the same airline alliance such as SkyTeam, Oneworld, or the Star Alliance. When using these partner relationships to avoid baggage fees, make sure to bring your frequent flyer card that indicates your elite status, just in case.

Like this article? Pin it!

This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Hot Spots for Digital Nomads in 2018

Nick Wharton — Fri, 02 Feb 2018 09:30:08 +0000

Digital nomadism is the perfect way for travel enthusiasts to combine their insatiable wanderlust with a career they can conduct anywhere, such as computer programming or graphic design. While previously only a lucky few people managed to make this lifestyle work, digital technology has made it easier for more people.

Many digital nomads choose to set up shop in a location for a few days or months before moving on. However, not everywhere offers the same possibilities.

There are certain requirements that most digital nomads would agree are necessary to qualify a destination as a "hot spot," chief among them is the widespread availability of stable, affordable Wi-Fi. Other considerations might include an entrepreneurial community, affordability, and temperate weather. (See also: 7 Ways That Anyone Can Travel for Free)

If you're a location-independent worker looking for a new place to base yourself, here are what I consider to be the 10 best hot spots for digital nomads in 2018.

1. Medellin, Colombia

Colombia is a country on the rise, and over the past few years it has started to appear on many of the "must-visit" lists written by travel publications in the know. The city of Medellin is now a thriving, modern metropolis that has undergone a complete regeneration since the days when it was considered the most dangerous city on earth.

Free Wi-Fi is widely available in Medellin’s many parks and public areas, and there are tons of trendy internet cafes with strong connections serving fantastic cups of locally produced coffee. (See also: How Expats Can Maintain Their Credit Scores)

2. Buenos Aires, Argentina

Argentina's capital city Buenos Aires is often described as being the most European city in South America because of its culture, architecture, and immigration history. So while it may not be the quintessential slice of South America, it has an individual charm that you won't find anywhere else on the continent.

There's free Wi-Fi in many of the city's leafy parks and plazas, allowing you to work virtually anywhere. Plus the widespread cafe culture means that you'll have endless choices of great places to set up shop and hang out with like-minded people. (See also: 5 Amazing, Cheap Places to Live as an Expat)

3. Sofia, Bulgaria

Bulgaria has become an increasingly popular European vacation destination due in large part to its affordability, with a reputation as one of the cheapest countries on the continent. It's also full of culture and history, has a pristine coastline, and some amazing nature and wildlife to explore. And Bulgaria's capital, Sofia, has become a popular digital nomad hot spot, as it allows people on the first steps of their entrepreneurial journey to keep costs extremely low. (See also: 5 Incredible World Cities You Can Afford)

4. Cape Town, South Africa

Overlooked by the imposing Table Mountain and sprawling out toward the surrounding ocean, Cape Town is certainly one of the most recognizable cities in the world. It's also beginning to receive recognition as an up-and-coming hub for digital nomads, with a relatively small but growing community.

There are a large number of co-working spaces in Cape Town that cater to an entrepreneurial crowd. If splitting days between your budding business and a beautiful beach sounds appealing, then Cape Town may be the perfect choice.

5. Malta

This tiny Mediterranean island is forging a big reputation as one of Europe's premiere digital nomad destinations. You'll more than likely recognize the capital city of Valletta from its use as the backdrop for the blockbuster movies Troy and Gladiator, as well as King's Landing in the Game of Thrones series.

Malta is a relatively low-cost destination when compared to much of Europe. When coupled with high speed Wi-Fi and the laid back pace of life on the island, it's easy to see why digital nomads are starting to settle down here.

6. Mexico City, Mexico

Mexico City is one of the biggest cities on the planet with a population of almost 9 million people. It has a fascinating colonial history that's plain to see in much of the architecture, a year-round springlike temperature, and a world famous culinary scene.

Mexico City is not only modern, but each of its neighborhoods has a completely different vibe, meaning it appeals to all. From hipster coffee shops to numerous co-working spaces, there are plenty of places to make your office all over the city. (See also: 5 Countries Where You Can Retire on $1,000 a Month)

7. Lisbon, Portugal

Lisbon's reputation as a tourist destination has been on the rise for a number of years. This is thanks to its tropical climate, the historic colonial charm of its architecture, and the healthy food and drinks enjoyed by its residents. It's also close to the famous Algarve coastline, and yet relatively inexpensive compared to much of Europe.

It's little wonder that this has translated into a rising popularity among digital nomads, with freelancers arriving from around the globe. There are lounges, coffee shops, and co-working spaces readily available all across the city, which makes finding a great place to settle down for the day incredibly easy.

8. Bali, Indonesia

Bali is too established among digital nomads to fall under the "up-and-coming" banner. But rather than losing its appeal, Bali has become more attractive for remote workers over time.

Luxury villas in close proximity to the beach are affordable and easy to come by, contributing to a high standard of living. Another attraction for many is the popularity of vegetarian food and ubiquitous yoga classes, so you may just leave healthier than when you arrived.

9. Portland, Oregon

Not all of the best digital nomad hot spots are overseas. There are plenty of awesome locations attracting remote workers across the U.S., and none more so than Portland, Oregon. Well known for its numerous microbreweries, independently-run coffee shops, and niche food carts, Portland is home to an artsy crowd of free thinkers.

What’s more, Portland is the gateway to stunning nature in the region. Outdoor-lovers who enjoy hiking wilderness trails, hitting deserted beaches, or marveling at secluded waterfalls will feel right at home here. Though it may not be the cheapest place on the list, Portland still checks many boxes on the digital nomad checklist.

10. Chiang Mai, Thailand

Sometimes referred to as "the digital nomad capital of the world," Chiang Mai was one of the original hot spots for remote workers looking to settle down for a while. Though it's one of Thailand's top cities, it's a world away from the hustle and bustle of the capital Bangkok. Think “easy going” paired with highly affordable prices, and you'll be closer to the reality of Thailand's second city.

Many spaces are set up to cater to the digital nomad crowd that has been coming here for years. You'll find cafes specifically designed with laptop users in mind, bustling co-working spaces, and lightning fast Wi-Fi in many places across Chiang Mai. It was one of the first, and is still one of the best digital nomad hot spots around. (See also: 14 Dirty Details of Traveling Full-Time)

Like this post? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

4 Affordable Retirement Spots With World-Class Health Care

Nick Wharton — Tue, 21 Nov 2017 09:30:10 +0000

Health care is one of the biggest considerations for any retiree planning to settle abroad, and could be a deciding factor when choosing which country to move to. Since Medicare does not cover health care costs for U.S. citizens living overseas, it’s important to have a plan in place for how you’re going to pay for it. But more than that, it’s well advised to select somewhere that has a quality health care system to ensure that you get a good standard of treatment when you require it. (See also: Follow These 5 Steps to Full Health Care Coverage in Retirement)

As the saying goes, you can’t put a price on your health. You can however, reduce how much it will cost for any treatment required. Many countries that are affordable to live in have health care on par with the U.S., so not only will your medical bills go down, but so will your cost of living.

Note: All cost of living estimates refer to figures from Numbeo, the world’s largest database of user contributed data about cities and countries worldwide.

Mexico

Living costs in Mexico City are nearly 60 percent lower than those in New York City, which is just one of the many reasons the country is a popular destination for retirees. It also has a high number of expats and a selection of communities specifically set up for retired Americans. Whether you want beautiful beaches, quaint colonial towns, or bustling cities with developed infrastructures, Mexico has it all. (See also: How Almost Anyone Can Afford to Retire in Mexico)

As a foreigner, you won’t be entitled to free public health care, but you’ll have wide access to facilities because the majority of hospitals in Mexico are private establishments. Perhaps unsurprisingly, many of the best medical facilities in this country are based within the major cities of Mexico City, Guadalajara, and Monterrey. Thanks to the country’s proximity to the U.S., many of Mexico’s doctors not only speak excellent English, but have also spent time training and studying in the U.S.

Dental care is particularly cheap in Mexico, with many U.S. citizens making special trips to enjoy the low prices. The border town of Los Algodones has even been nicknamed the “dental capital of the world” thanks to the high concentration of dental clinics there. Opticians are also easy to find in Los Algodones and there are a number of national chains and franchises that provide low priced examinations and treatments. (See also: Retire for Half the Cost in These 5 Countries)

Malaysia

Malaysia is regularly recognized as one of the best countries to retire in thanks to its welcoming culture, warm climate, and extremely low living costs. Life in the capital, Kuala Lumpur, is 54 percent cheaper than in New York City, meaning your dollar goes a lot further. Retirees from across the globe understandably see this as a real attraction, and in the major cities you’ll find large expat populations.

Medical tourism is big business here, so much so that Malaysia’s Ministry of Health has its own Healthcare Travel Council. It was set up by the government to raise the profile of the country as a top destination for world-class health care services and increase both the quality and quantity of medical tourism. It helps provide a standardized level of service by only approving and endorsing top quality medical facilities, which should give you peace of mind when selecting where to get treatment.

As a non-Malaysian, you won’t have access to free public health care, meaning you’ll need to get a good insurance policy. However, these are generally cheaper than in the U.S., and will enable you to receive treatment in either public or private facilities, depending on your preference. (See also: 5 Incredible Places to Retire Abroad That Anyone Can Afford)

Costa Rica

With stunning Caribbean beaches, lush inland jungles, developed cities, and a warm, sunny climate all year round, Costa Rica really has it all. The cost of living in San Jose is 40 percent below that of New York City, while the standard of living remains extremely high. It’s little wonder Costa Rica is so popular among retirees from the U.S.

Many U.S. citizens already travel to Costa Rica every year for so-called medical tourism, as the prices are far lower than back home. But for expats living there as legally recognized residents, it gets even better. You have access to both tiers of their health service, private and public. If you need emergency treatment, you are eligible to receive it under the universal Caja system, as well as regular checkups, many prescription drugs, and even some surgeries.

In addition to the public health care available, there’s also an excellent private system that many retirees pay for, mainly because waiting times on non life-threatening surgeries are much shorter. Both systems are renowned for having up-to-date equipment, facilities, and technologies, which partly explains why the health care is rated so highly. You’ll also find that most doctors speak English to a very high standard, which should alleviate any concerns around communication. (See also: 5 Countries That Welcome American Retirees)

Portugal

This former world superpower on the southern tip of Europe’s Iberian Peninsula once ruled over territories across Latin America, Oceania, Asia, and Africa. These days it’s more famous as a major tourist destination, thanks to its incredible beaches, historic architecture, and diverse cuisine. With Lisbon’s cost of living 43 percent lower than New York’s, many retirees are now viewing this as the perfect place to settle down. The Algarve coast in particular is a retirement hot spot, as it has great weather, beautiful beaches, and a large, established expat community for support.

Portugal has always been a well-loved holiday and retirement destination for Europeans, but recently it’s become popular among Americans as well. With Portugal’s introduction of the Non-Habitual Resident Regime, it’s now possible receive your pension tax free here as well as many other sources of income.

On top of these benefits, Portugal’s health care system is well-known for having excellent facilities and well-trained staff. There is a good public health care system here that foreigners have access to. It’s free apart from some nominal patient contributions used to ensure people access the service in the correct way — for example, not going to the emergency room unless absolutely necessary. Doctors, particularly in the popular areas for retirees, generally speak English.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

9 Retirement Hotspots That Are Cheaper Now Than Ever Before

Nick Wharton — Wed, 18 Oct 2017 08:30:11 +0000

Financial considerations are the biggest factor for many people when deciding where they want to enjoy their retirement years. As the strength of the dollar continues its hold against other currencies, it’s providing us with far more purchasing clout when it comes to buying other currencies.

This in turn is helping to make many destinations even more affordable to U.S. citizens who are looking to decamp to foreign locales. Here are nine retirement hot spots that are cheaper than you thought. (See also: Retire for Half the Cost in These 5 Countries)

1. Panama

With its interesting mix of advanced amenities and lush natural landscapes, Panama has been one of the most popular retirement hot spots in Latin America for a number of years. The capital, Panama City, is a skyscraper-filled, modern metropolis with a well developed infrastructure to rival any city in the U.S.

The U.S. dollar is actually legal currency in Panama so you’ll be able to see just what value you’re getting without any conversions. The cost of living in Panama is comparatively low. Numbeo puts it at around 26 percent of what it is in the U.S., with expenses such as health care and real estate working out extremely cheaply. (See also: 5 Countries Where You Can Retire for $1,000 a Month)

2. Mexico

Hopping over the border to Mexico has always been a convenient option for U.S. citizens wanting somewhere nearby to retire to. Rich with incredible culture, fascinating history, a great coastline, and a mouthwatering cuisine, Mexico is both familiar and exotic at the same time.

The exchange rate hit a high in 2017, meaning U.S. dollars go further there now. That, combined with a cost of living of around 60 percent lower than in the U.S., means your dollar will go a lot further in Mexico than it would at home.

While drug-related crime has risen in recent years, there are many retirement communities that are completely safe. (See also: How Almost Anyone Can Afford to Retire in Mexico)

3. Spain

Spain frequently tops the list of the most popular retirement destinations for Europeans. It’s little wonder when you consider the number of major cities, the stunning beachside resorts along the coastline, and the slow pace of life.

The dollar is closing in on par with the Euro and the country has only just pulled out of a financial crisis that began in 2008. As a result, U.S. citizens have more purchasing power than ever in Spain right now, making the prospect of retiring here even more enticing. The cost of living stands at about 27 percent lower than the U.S., according to Numbeo, so it’s no surprise that there are over 5.5 million foreign nationals living in Spain.

4. Ecuador

If you’re a lover of the great outdoors, then Ecuador could be the ideal choice as your retirement location. It’s home to portions of the Andes mountain range and the Amazon Rainforest, some of the most untouched Pacific Coast beaches in South America, and the remarkable Galápagos Islands.

Pricewise it comes in at around 50 percent cheaper than the U.S., according to Numbeo, so you’ll have plenty of cash left over for exploring and adventuring each month. Ecuador adopted the U.S. dollar in 2000 as its official currency so your nest egg won’t be affected by exchange charges or currency fluctuations. (See also: 5 Amazing Places to Retire Abroad That Anyone Can Afford)

5. Costa Rica

Costa Rica is famous among surfers all over the world for its awesome swells, but in recent years it’s also been making waves of a different kind. People of retirement age are flocking here for its year-round tropical climate, stunning beaches, and green landscapes.

Numbeo reports that the cost of living is around 34 percent less in Costa Rica, so it’s easy to see why up to 100,000 American citizens have decided to call Costa Rica home. Exchange rates to the Costa Rican Colon have been steadily rising over the past year, peaking at around 591 to the dollar.

6. Malaysia

Malaysia is one of the most diverse countries in Asia, making it a continuously interesting place to live. It has influences from Malay, Chinese, and Indian populations clearly visible in the culture and cuisine, with an added bonus that English is widely spoken. It also has bustling, modern cities that have the same amenities, restaurants, and funky bars that you’re used to in the U.S.

Many retirees enjoy a better standard of living here than they would be able to afford in the U.S. thanks to the cost of living being around 52 percent lower, according to Numbeo. Health care is one of the biggest reasons that retirees come to Malaysia — its quality is so good that a medical tourism boom has sprung up.

7. Malta

Thanks to the laid back island life with year-round sun, Malta is a popular destination for retirees. This tiny archipelago of just three islands lies in the Mediterranean Sea between the South coast of Italy and North Africa and has a population of around only 400,000.

Many of Malta’s residents are English speaking, and one of the islands, Gozo, is home to a particularly large expat community with a big American contingent. Numbeo reports that prices here are around 13 percent cheaper than in the U.S. overall, but it’s possible to live for much cheaper.

8. Portugal

Europeans have been retiring to Portugal for decades, attracted by the warm weather, the picturesque coastline, and government tax breaks offered to overseas retirees. But the secret is slowly beginning to reach U.S. shores as Americans start to realize just what they’re missing out on.

Portugal has some impressive infrastructure boasting world class golf courses, fantastic restaurants, and some of the highest rated health care in the world. Despite all of this, the cost of living here is still relatively low, and you’ll pay around 34 percent less in Portugal than in the U.S., according to Numbeo.

9. Thailand

One of the most popular tourist destinations in the world, Thailand is also a hot spot for retirees from all over the globe. Thanks to its diversity, it’s possible to settle down in a vast city, a lush green mountainous region, or even a secluded island with golden beaches.

Despite its popularity, Thailand remains one of the cheapest countries in Asia to live in, with costs at over 43 percent less than in the U.S., according to Numbeo. The exchange rate has dropped in recent months, but is still considered favorable for expats wanting to move here now. (See also: 5 Countries That Welcome American Retirees)

Like this post? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

4 Airlines With the Cheapest First Class Seats

Jason Steele — Fri, 29 Sep 2017 08:30:05 +0000

All travelers know the feeling. You're boarding a long flight, and you have to walk past the first class cabin in order to get to your cramped, economy class seats. Everyone wants to fly in first class, but most of the time it's way out of your budget.

But what if you could find flights with affordable first class domestic seats, or business class international cabins? Thankfully, there are a few airlines that have gone out of their way to offer larger seats up front, without the astronomical airfare.

Here are four airlines that offer the cheapest first and business class seats.

Spirit

This is an airline that everyone loves to hate due to its numerous fees and often questionable customer service, but bear with me. Technically, Spirit doesn't offer a first class, but it does give you the option of what it calls the "Big Front Seat." For an additional charge of $12–$175 per flight, you can select a seat that is equivalent to other airlines' domestic first class.

These are seats that are 20 inches wide and have a 36-inch pitch (pitch is the distance from the back of one seat to the back of the next). In contrast, Spirit's standard seat has just 17.75 inches of width, and a knee crunching 28 inches of pitch.

Just note that this charge is per flight, meaning that you'll have to pay it twice for a round-trip, and four times if you have to change planes in each direction. However, the prices are lower ($12–$150) if you book the larger seat in advance. Finally, you should note that the Big Front Seat option offers just that and nothing more. Unlike other airlines' first class, you'll still have to pay for both carry on and checked bags, as well as all food and beverages on board.

La Compagnie

Going to Paris, but not looking to be squeezed into economy class during your transatlantic flight? Consider La Compagnie, an airline so small that it only flies from Newark to Paris using a total of two planes. Both of its planes have 74 business class seats, and no economy section.

To be fair, the airline's business class seats are the 175-degree angled recliners that most other carriers have already replaced with full lie-flat seats. But these seats are still light years ahead of any economy class seats. Best of all, flights on La Compagnie start at a mere $1,300 round-trip. Seats are more expensive than a discounted flight in economy class, but they're far less than most competitors' business class fares.

Norwegian Air

This carrier has been rapidly expanding to a variety of international routes. While its name might suggest that it primarily transports people to Norway, most of its routes from the United States are to London, Paris, and other major European destinations. From these international gateways, you can connect to short-haul flights to secondary destinations if you want.

Norwegian offers a premium section with wider, reclining seats than you'll find in economy class. Premium passengers get two free checked bags, a three-course dinner, and breakfast. As with La Compagnie, Norwegian's premium product is more expensive than discounted economy, but less than the business class service offered by its competitors.

JetBlue

Like the other airlines here, JetBlue doesn't call it's premium product "first class." However, its Mint seats and service are some of the most luxurious offered by any airline. Mint class, which is only offered on select Caribbean and coast-to-coast domestic routes, offers a full lie-flat seat and premium dining options. It also comes with priority check-in, security, boarding, and baggage claim. And all JetBlue flights come with free, high-speed internet service. Mint flights start at $599 each way, which is a bargain for a six-hour flight in this kind of comfort.

Other tips for getting cheap first class

Even if you're not flying one of the airlines listed above, there are ways to save on a premium class experience.

1. Use miles

I've analyzed dozens of airline award charts and in my experience, business and first class seats often cost three to five times as much as a nonrefundable economy class ticket. Compared to that, you can get a relative bargain by redeeming your miles for them. A domestic first class seat usually requires about twice as many miles as economy, while I've seen business class international tickets that require just 60–100 percent more than economy. You also have to consider the price of meals and baggage fees that you can avoid by traveling in business or first class. (See also: 5 Airline Miles Secrets Only Frequent Flyers Know)

2. Consider paying for upgrades after your purchase

After you've already booked your seat, many airlines will offer you a paid upgrade. Check the online forums for frequent travelers and you'll see lots of discussions about how good these offers can be. In short, the cost of a discounted seat with a paid upgrade is often less than the original price of a business class seat. Paid upgrade offers may also be available at check-in.

3. Double check the price at the time of purchase

After years of seeing outrageous prices for first class seats, many travelers have simply given up looking. However, some of the major airlines occasionally discount their first class seats. At the same time, you might be paying a premium for economy class. As a result, it's not uncommon to see first class selling for just a little bit above economy class. And when you factor in luggage charges and the cost of onboard food purchases, you could have a very good deal.

Like this article? Pin it!

This article is from Jason Steele of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

3 Things You Should Do Immediately After Losing Your Passport

Christa Avampato — Tue, 15 Aug 2017 08:30:10 +0000

When I was in business school, I went to South Africa as part of an economics class. Seeing South Africa was a dream I had for many years, and it was a nearly perfect trip. In the airport on the way home, I discovered my passport had been stolen right out of my bag. (See also: What to Do If You Don't Have Your ID at the Airport)

Picture this: I was the last person in line at airport security, it was Friday at 6 p.m., and the next day was my birthday. None of my friends could come back through security to stay with me. I was alone and stranded in South Africa for an entire weekend without my main proof of ID, something you need to stay at a hotel or purchase any travel tickets when you are abroad. It was a harrowing journey to get a new passport under these circumstances. On the upside, it taught me about the kindness of strangers and what to do if you lose your passport. (See also: 10 Things You Should Do Immediately After Losing Your Wallet)

Report the loss immediately

Whether at home or abroad, it is important for you to report your lost passport immediately. If, like me, you are traveling when it happens, contact the local police department and file a report. Make sure to keep a copy of the report for your records. Additionally, the United States Department of State must also be notified to prevent fraudulent use of your passport. You can contact them by phone at (877) 487-2778. Once the passport is reported missing, it will be made invalid, so even if you do find it later, you'll no longer be able to use it.

Contact the U.S. embassy

If you are traveling internationally when you lose your passport, you need to contact the local U.S. embassy or consulate to get a replacement. Unfortunately, my passport was stolen after the embassy was closed on a Friday evening so I had to wait until Monday morning to get a replacement.

When you go to the embassy or consulate, you will need a recent color headshot facing the camera taken within the last six months. Make sure the photo is two inches tall and two inches wide. Your head must be between one inch and one and three-eighths inches from the bottom of the chin to the top of the head. I know this sounds nitpicky, but passport photos have very specific requirements.

Also, be prepared to pay the passport replacement fee, provide proof of your identity and U.S. citizenship, and bring the police report and your travel itinerary. The embassy or consulate will have the forms you need to file to get a replacement passport. The wait at the embassy or consulate can be a few hours and you may need to answer a number of questions. Replacing my passport took the better part of a day from start to finish.

Be prepared to pay

If you are in the U.S. when you lose your passport, you have some additional options depending upon when you next plan to travel abroad. You can put in for a rush order if you are willing to pay an additional fee of $60 and can visit a regional passport agency office in person. Just as when you are abroad, you will need to bring a photo, proof of your identity and citizenship, the police report, and your travel itinerary. This rush option is for people who are traveling abroad within the next two weeks.

If you have more time, you can go to an authorized passport acceptance facility, such as a local post office, to get your replacement passport. The State Department website has a list of approved U.S. passport facilities that you can filter by ZIP code. It will take about four to six weeks to receive your new passport through an authorized facility.

Replacing a lost or stolen passport is an inconvenience, but don't beat yourself up over it. You are not the first person, nor will you be the last to have this happen. Fortunately, there is a well-detailed process to get a replacement no matter what the circumstances. And, like me, it may just give you an interesting travel story to tell when you do (eventually!) arrive home.

Like this article? Pin it!

This article is from Christa Avampato of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

6 Reasons You Should Buy the Rental Car Insurance

Emily Guy Birken — Thu, 13 Jul 2017 09:00:10 +0000

Erika Plank Hagan knows all too well the value of buying rental car insurance. In July 2013, Hagan and her family drove from Connecticut to Ohio in a rental car to attend her brother's wedding. While they were on the road, Hagan's eldest son, who has special needs, got bored in the back seat and decided to wrap the middle shoulder harness belt around his neck — when it suddenly locked.

They happened to be driving through a construction zone at the time, meaning there was no place for them to pull over. Hagan's husband was driving, so she leapt into the back seat and wedged two fingers between the seat belt and her son's neck, and they drove that way until they were able to pull over. The belt would not unlock, and so the Hagans had to cut their son out of the shoulder harness. Thankfully, he was shaken, but unharmed.

This terrifying story has Hagan almost believing in premonitions, however. Her husband just happened to pack a pair of scissors, which he normally wouldn't do because he was so used to traveling by air. In addition, though the Hagans do not usually buy car rental insurance, they happened to agree to the rental insurance for this trip, meaning they did not have to pay for the cut shoulder harness.

This is the story that also got me to question my own belief that rental car insurance is an unnecessary add-on that car rental companies use to upsell their customers. While few drivers will experience a scenario like the one Hagan and her family went through, it is important to recognize that there are definitely good reasons to sign up for the rental car insurance.

1. You will have to pay your auto insurance deductible

Relying on your own personal insurance can be more costly than signing up for the rental car insurance because of your deductible. Depending on what you have set as your deductible, you might find yourself staring down a bill as high as $1,000 after an accident in a rental car. The daily cost of rental insurance will surely be less expensive than your deductible, and paying that cost can provide you with a great deal of peace of mind.

2. Your auto insurance does not cover "loss of use"

The majority of auto insurance policies will cover your rental car within the limits of your collision and comprehensive coverage. As long as you are prepared to pay your deductible in the event of an accident or other damage to the car, then it can seem as if your personal auto insurance should be enough.

Unfortunately, that assumption does not take into account all of the costs of damage to a rental car. In many states, automobile insurance does not cover what's known as "loss of use." When the rental car is in the shop for repairs, the company is losing the money it would earn from renting that car out. You will be on the hook for that cost if you are relying on your auto insurance to cover damage to a rental car.

3. Rental car insurance might protect you from auto insurance rate hikes

One major downside to relying on your personal auto insurance to cover a claim on a rental car is the fact that your insurance rates will probably go up afterward. However, using the rental car insurance you purchased from the company will not increase your auto insurance premiums in certain cases. According to Hannah Rounds, Consumer Finance Expert at Unplanned Finance, "If you hit a pole while insured by a rental car company, you'll probably escape rate hikes. If you hit another vehicle, you should expect to see your primary auto insurance rates increase."

Here's how it works: National rental car companies sell primary collision damage waivers, which means your rental vehicle is covered at 100 percent. If you purchase the rental car insurance and have an accident, the rental car company won't go after your personal insurance for money, and they normally don't report damage. As a result, your insurance claim remains outside of mainstream reporting, and your rates remain unchanged. However, if there are police involved in your accident, then the incident will be reported to your Motor Vehicle Record, which means you might see your premiums rise even if you don't make a claim with your insurance.

Finally, there are multiple types of rental car insurance. Supplemental liability insurance through the rental car agency covers any damage not already covered by your personal auto insurance, meaning that a claim will be made to your insurance and you will likely be seeing a rate hike as a result.

4. Insurance provided by your credit card may not cover enough

Travelers who have both a robust automobile insurance policy and a credit card that offers car rental coverage may believe that they are completely covered in case of a rental car mishap. Unfortunately, credit card coverage is not nearly as comprehensive as you might think. (See also: What Does Car Rental Insurance Really Cover On Your Credit Card?)

To start, some cardholders may not be aware that they need to use the specific card offering rental car insurance benefits when they rent the car. It's not enough to be a cardholder. You must use the card with rental insurance benefits to rent the car in your own name in order to access the benefits. You must also decline all optional coverage offered by the rental car company.

In addition, not every card offers these insurance benefits, so you need to know ahead of time if your card will protect you.

Credit card rental insurance also has some pretty specific limitations. For instance, some types of vehicles are excluded from credit card rental insurance coverage, including pickup trucks, some SUVs, and expensive and/or exotic vehicles. The traveler who dreams of exploring the city in a Porsche needs to remember this limitation.

Furthermore, many card policies won't cover administrative fees charged by the rental car company, and none will cover diminished value. Diminished value refers to the reduction in a rental car's resale value caused by an accident. If you get into a crash that is serious enough to lower the car's value but not serious enough to total it, you'll be on the hook for that diminished value if you are relying on your credit card for rental insurance coverage.

5. Business travelers may not be covered by personal auto insurance

My father used to fly to Arizona for an annual business conference, and then stay for a few extra days to enjoy the sunshine. That kind of business/pleasure trip can be a land mine for car renters. That's because while their company may cover the insurance for car rental during the business portion of the trip, their personal auto insurance will likely not cover them for the pleasure part of the trip. One workaround for this would be returning the car and then re-renting it once the trip ticks over from business to pleasure — but you might find that buying the rental car insurance from the start is an easier fix for this problem.

6. International travel is often excluded from personal auto insurance

If you are renting a car outside of the United States, you may or may not be able to count on your personal auto insurance and/or your credit card's rental insurance for coverage. Many auto insurers specifically limit their coverage to driving in the States, and credit cards specifically exclude several countries from their rental insurance benefits.

Better safe than sorry

By its nature, insurance is something you hope you never have to use. The cost of rental car insurance can make it seem like it's financially smarter to skip it and hope for the best. But if you ever do have a problem with a rental car, you'll be glad you bought the insurance and didn't rely on hope to keep you financially fit.

Like this article? Pin it!

This article is from Emily Guy Birken of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Eat Street Food Safely While Traveling

Nick Wharton — Wed, 21 Jun 2017 08:31:05 +0000

Many people would never dream of buying street food from a stall when traveling, and with the number of horror stories out there, that's understandable. Reports of widespread contamination and severe food-borne illnesses are common. As a result, choosing the right stall can feel like a minefield if you don't know what to look for.

I've been seriously ill many times in my eight years of traveling, but in my experience, it's nearly as likely to come from a nice sit down restaurant as from a street food stall.

Street stalls are an important part of the culture in many countries, and they are where you'll find some of the most delicious and authentic cuisine. They also happen to be a cheap way to eat well. It pays to be cautious, but there's no need to miss out on street food altogether if you follow a few basic rules. (See also: Eat These 6 Foods to Stay Healthy While Traveling)

Only eat at local mealtimes

Wherever you are, spend a little time figuring out what time people tend to eat their meals. One way to do this is to observe the areas that serve street food and make a mental note of when they get busy. You can also ask a local resident for the inside scoop. Once you're armed with the local mealtimes, stick to them rigidly and make sure that the stall you choose is bustling before you start to order.

If you arrive before or after peak times, you won't know how long the food ingredients have been sitting around. You want a stall with a high turnover, constantly refreshing their ingredients and swapping out utensils and containers. When it comes to street food, it's always best to follow the crowd.

Look closely at the queue

In almost every other aspect of life, queues are looked at as a tedious and unnecessary waste of time. But if there is not a line of people waiting to order at the stall and you've followed the point above, then you should be questioning why.

Put simply, queues mean quality, because people don't stand in line unless they know they're going to get something that's worth waiting for. Consider queues your best friend. They don't just mean that the food will be tasty, but they virtually guarantee that it will be fresh and safe to eat.

In areas where competition for street food vendors is high, this applies even more so. Quite often, street food stalls that sell exactly the same dishes will group together in one place. Though it seems counterintuitive, the economies of agglomeration mean that it's actually beneficial for vendors to do this, as a higher volume of similar stalls attracts a higher number of buyers. Don't go rogue and be the person that chooses to save time by heading to the place with no queue. (See also: 4 Secrets to Eating Great Food for Cheap While Traveling)

Watch the preparation of the food

One of the greatest things about street food is the element of theater that comes with it. Watching chefs elaborately toss ingredients in the air with their wok, or chop fresh produce at lightning speed can be as entertaining an experience as eating the food itself. But more important than the open air performance is the fact that watching the preparation means you can plainly see how hygienic their methods are.

Take a look at the preparation surfaces that are in use: Are they clean as a whistle or covered in flies? Does the stall owner look like they have decent standards of personal hygiene? Where is the raw food being kept? Is it out in the sun or carefully packed away in a cooler or refrigerator? Watch closely for a few minutes before you make your choice, and if you're not happy with how the food is being prepared, move on. (See also: 14 Best Ways to Cut Food Costs While Traveling)

If it doesn't taste right, don't continue

When it comes to food, using the sniff and poke test to determine whether something is safe to eat is not a good idea. Just because it smells fine, that doesn't necessarily mean it's not going to be harmful. Food could appear on the surface to be perfectly fine and still be riddled with illness-causing bacteria. That said, if a dish smells or tastes terrible, then you should definitely err on the side of caution and take it as a sign that something is potentially off or rotten.

A solid rule of thumb to follow is that if it doesn't seem right, then just don't continue eating it. There's no need to be rude, but you should let the cooks know that something doesn't seem quite right, so they don't pass on contaminated food to other customers. You may have paid for it already, but it's really not worth the risk. You should, quite literally, go with your gut in this instance.

Eat cooked food or peelable food

If it's not cooked, or not peelable, then don't let it pass your lips. In many countries, there are delicacies that are made from raw eggs, raw vegetables, and even raw meat. Though they may be lovely and perfectly safe for those who are used to eating them, don't play Russian roulette with your digestive system. If you are desperate to try one of these dishes, then it's far better to go to a restaurant that you have reference-checked thoroughly beforehand than to take a gamble on the street.

Always be sure to check that food is piping hot throughout, as partial heating is a surefire way to encourage bacterial growth. You can always ask for something to be cooked longer if you're unsure. When it comes to fruit, stick to the stuff that's peelable. A removable skin is nature's promise of sterility within.

What to do if the worst does happen

If you do end up getting sick, the first and most important thing to do is remain hydrated by drinking lots of water, because it's essential to replace any fluids you lose when you're sick. Get lots of rest, as it will help your body recover quickly. Remember, most bouts of food poisoning won't last longer than three days. It's not usually necessary to take any medication for sickness or diarrhea and it will ordinarily just run its course naturally.

If your symptoms are severe, or they haven't improved after three days, then you should get in touch with a medical professional to seek further help.

Like this article? Pin it!

This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

Technology Hacks for the International Traveler

Amanda Gokee — Mon, 29 May 2017 08:30:11 +0000

When traveling around the world, knowing how to use technology in the right way can save you time, money, and headaches while you are on the road. We've compiled a list of a few of the best hacks that allow you to use your smartphone and other devices easily when you're on your next trip.

Unlock your phone

Your phone is likely one of the most important tools that you use while you are at home. You may rely on it daily for communication, navigation, social media, and personal banking, among other things.

Using your regular cellphone plan abroad, however, can be pricey. Verizon, for example, charges $10 a day for you to use your plan outside of North America — meaning if you use it every day for a month, you could end up with a $300 bill.

You can lower your costs significantly by using a cellular service provider in your destination country. For example, when I was living in France, a month of unlimited data and calling with Free Mobile cost just $20.

To use a foreign carrier, you'll need to have your phone unlocked. Having an unlocked phone simply means that you can change your SIM card and get service from different carriers, as opposed to being stuck with one service provider that is locked to the phone.

To unlock an existing phone, the first step is to ask your cellular service provider if it will unlock the phone for you. Most will, but you usually have to meet certain requirements, such as completing a two-year service plan if you signed up for one.

Alternatively, if you travel a lot, the next time you're planning to buy a phone, you can buy one that is already unlocked. Unlocked Android phones can be purchased from Best Buy, and you can get unlocked iPhones from an Apple Store.

If you already have a locked phone and your provider will not do unlock it for you, you can use one of the many shops that offer this type of service. In my experience, the price runs anywhere from $10 to $145, depending on the shop, the phone, and the carrier the phone is locked to. If you're going abroad, you can have it unlocked in your destination country, where it may be less expensive. For example, I found unlocking a phone in Mexico to be cheaper than doing it in the United States.

Buy a SIM card for cheap global coverage

Now that you have an unlocked phone, you'll need to purchase service by buying a SIM card at your destination. A SIM card is a small "smartcard" containing a chip that stores your mobile phone number, address book, and information on your cellular carrier and billing. You insert the SIM in your phone to get service from a certain provider.

This means buying a SIM from, for example, France's Free Mobile will enable you to then buy coverage from them. You can usually buy a month's worth of service or prepay for minutes. You will get a new phone number and you can choose a plan depending on the quantity of data, calls, and messages you plan to use while abroad.

A good data plan means that if you need to use the internet, you will no longer be reliant on a strong Wi-Fi connection. These plans are often just as fast as international phone plans offered by U.S. carriers — and they're often cheaper, too. In Argentina for example, Claro offers 50MB per day of data for one week for just 40 Argentinian pesos ($2.51 at the time of writing).

Talk time is similarly inexpensive in many countries. When I was in Colombia, Claro offered 60 minutes of local talk time for 2,900 pesos, which equates to just 93 cents.

Tether with a personal hotspot

Once you've gotten your phone connected and you're able to take advantage of cheap data packages abroad, you can get your computer connected as well. You do this by "tethering" the computer to your phone's data connection via the phone's "hotspot." Whether you need to work or you just want to upload some pictures of your trip, this can be a very useful trick for travelers.

To get your connection going, you'll want to turn on your personal hotspot on your phone, which you'll find in your general settings, often in the same menu where your Wi-Fi connection is listed. From there, you'll turn the hotspot on so that it is searchable and viewable on other devices, in this case your computer. Some phones may have already created a password for you, or if it asks you to create one, make sure to select a strong password so others nearby you can't just jump onto your hotspot and use your data plan.

Open your computer, click on your Wi-Fi connection, and you should see your phone appear as one of the hotspots. Enter the password and then you'll be able to surf the web from your computer, using the signal from your phone.

You can also use your personal hotspot to give Wi-Fi access to a friend or travel partner if they don't happen to have a connection. They'll select your phone's hotspot from their list of Wi-Fi networks and enter the password.

Get secure access with a VPN

VPN stands for a virtual private network. I was introduced to VPNs when traveling recently to China. Using a VPN, I was able to access websites such as Facebook and Instagram, which the Chinese government blocks, as well as Netflix, which limits access to U.S. accounts in some countries.

A VPN encrypts and reroutes your connection to the VPN provider's servers. It allows you to hide your IP address and your location; websites you're trying to access see the IP address and location of the VPN provider instead of your actual information. This helps when you're trying to access sites that geo-block access, such as Netflix.

In addition, your local internet service provider won't be able to see which websites you're connecting to. It will only see that you're connecting to a VPN. That means you're more likely to get past government censors in the country where you're staying.

Some VPNs are free, but they come with limited bandwidth. You're usually better off purchasing access for $5–$15 a month.

Use map apps offline

Google Maps is the king of smartphone navigation apps, and you can even use it when you don't have a cellular or Wi-Fi connection. It takes a little advance planning, as you'll need to open the map of the place you're going — say, Paris — while you're online. Once you've got the Paris map pulled up, type "OK Maps" into the search bar. You can then save the map for use when you're offline. The Google Maps app will even give you driving directions within the saved area when you're offline, though you can't get walking or transit directions.

Other apps such as maps.me let you download maps for a whole country. Maps.me also has a navigation feature that is entirely accessible offline once you've downloaded the map of your choice.

Like this article? Pin it!

This article is from Amanda Gokee of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: