Travel Notes: Money issues require extra preparation when traveling internationally

When traveling internationally there are many things to consider while preparing for the trip.

One of the most important is how to handle money. The following tips were learned from personal experience and that of agents and clients.

Arrange funds in a variety of forms to take with you.

Have cash in local currency for the first few days, especially if you arrive on a Friday or weekend.

Consider taking travelers checks in the currency of the country you are visiting.

When ordering traveler's checks, get advice on the most appropriate currency for the country you are visiting and take sensible denominations. Make sure serial numbers are kept separate from traveler's checks and keep a record of where you cash them.

Make sure that you have sufficient funds available on your credit card check that you have paid any outstanding balance, and if necessary, increase your credit limit.

Memorize your personal identification number and make a note of telephone numbers you will need in case of loss. Don't carry more cash than you need.

Wear a discreet money belt under a sweatshirt or jacket. If you are traveling as a couple or in a group, split the money between you. Do the same with credit cards (let one person carry the cash and the other the credit cards).

Credit card fraud is widespread. If you are paying with a credit card, keep an eye on the transaction and keep all the receipts. Don't give your card number over the telephone unless booking with an organization you trust.

Check commission charges on traveler's checks. They can be high, and it may be wise to cash more of them at a time.

Change your money only at banks or official change booths (airports are generally expensive). It is worthwhile comparing exchange rates and commission charges; check at different outlets. Do ensure that you have been given the right amount of local currency before leaving.

Be vigilant when using ATM ma-chines.

Exchange your foreign currency at banks or official change booths on departure. You will get a better rate, and they will accept your foreign coins as well.

Handbag snatchers prey on everyone, especially tourists. Make sure all of your cash and valuables are secure on your person and watch out for curbside snatchers.

Watch out for people trying to distract you they may be after your cash! Don't sling bags behind your back where you can't see them.

Use the hotel safe if available.

Carry ID with you at all times.

Don't wear expensive jewelry or leave belongings such as cameras, exposed, especially at caf tables.

If you have money tips you don't see listed here, please contact me and I will add them to my list. Safe travels!

(Linda Strait is president of House of Travel Inc., a full-service travel agency in Springfield.)