Cash & Card: Dealing With Money While Traveling by Susie Staff

I am happy to say that today's post has been contributed by a guest travel writer. Susie Staff asked if I would consider a piece she has written, so here it is.


Susie Staff contributed:
Some people have travelled the world, from country to country, by cruise or airplane or train; others are only just taking their first steps out of their own country, uncertain of everything on this first time in a foreign land. However, it doesn’t matter if you’re a world adventurer or travelling for the first time - everyone always worries about dealing with money in a new country. Once upon a time the best or only option was traveller’s cheques, along with all their associated costs, frustrations, and the hassle of spending time on your holiday trying to find a place to cash them (or, god forbid, losing them). International banking, debit cards, and credit cards have taken the place of traveller’s cheques in most places, but there are still reasons for travellers to worry about whether or not they’ll be able to access their funds. Some credit cards are rarely accepted in some countries or cities, cash is king in some places but not others, and there’s always the spectre of thieves to keep travellers holding tight to their wallets. Luckily, by taking a few simple steps, it’s easy to ensure you’re never short on funds while you live your dream vacation.

Navigating Exchange Rates
The first choice you have to make when it comes to travel money is deciding whether to take advantage of a low pre-trip exchange rate, or rolling the dice and choosing to take the exchange rates as they come in return for the convenience of being able to take money out only when necessary on your trip. Even the experts can be caught off guard by the confusing fluctuations of exchange rates, which can vary wildly based on small and seemingly insignificant details. However, no matter which decision you make on whether to take out money before or during your trip, you can still make sure you get the best deal for your exchange. At home, your bank may have the best deal for withdrawals in foreign tender, although larger amounts are unwieldy to travel with and may require your bank to order in your money ahead of time. Once at your destination, your choices are primarily banks or specialised exchange centres - each has its own negatives and positives, so make sure to do your research (either online or in person).
 
Official and in-house exchange rates should be clearly posted, in addition to any going fees. If your bank has a branch in the region you may be able to get a better deal there, but it depends on the branch’s relationship to your home bank. As a rule, avoid cash points unless necessary - these can have steep fees, either as a rule or due to your own bank’s fees - and airport foreign exchange booths, which often have skewed exchange rates and very high fees.
 
Credit Or Cash
It is vital to always carry enough cash on you to get safely back to your hotel if your cards are lost or stolen (preferably in a place other than where you keep your cards!). Beyond that, how much cash you need to carry on you is dependent on your destination and what you plan to do. Even in large cities many places have minimum spends for the use of credit cards, or may not accept cards at all; likewise, public transit, where available, used to depend on cash. (This has changed with the slow move towards transit cards like London’s Oyster Card.)
 
When it comes to credit cards, Visa and Mastercard are the most widely accepted, followed by American Express, Diners Club, and similar cards. If your card is one of these, be sure to bring another method of payment along. Furthermore, make sure ahead of time that your PIN and card are acceptable at your destination. Chipped cards are quickly becoming the standard, and four-digit PINs are the most commonly accepted varieties, but check to ensure that you’ll be able to use your card before you plan to depend on it. As always, use common sense with both cash and cards - look for modified credit and debit machines and refuse to use them, do what you can to reduce your attractiveness to thieves, cover your card while using your PIN, and don’t carry large amounts of cash on your person. With these tips, you’ll be saving plenty, and you don’t want to donate it to a thief.


Thank you Susie!

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New Years Eve

This is an exercise in absurdity. Our hotel prefers cash payments due to their electric problems, but also with the bank's electric problems. They cannot always get the credit card to go through. They could do it the old fashioned way of calling it in, but they claim they cannot always get through. Yada, yada, yada. For a large expensive, full service hotel, you would think they had a better back up system to aid the guest. When they do take credit cards, they ONLY take VISA, not MasterCard. So my questions that went unasked are why they do not warn guests in an e-mail prior that they first of all are having the electric problems on the island, which may cause disruptions, second that they would prefer cash, and third that ATMs that work are as rare as the Red Colobus monkeys are on Mars. The worst part of this is that the hotel 236 Hurumzi, is owned by an American who opened it over ten years ago and has expanded it ever since. You would think he would know better by this time how to handle tourism, but he admitted to us that he does not even own a credit card. All well and good for him, but he is not the guest.

My original intent was to pay the bill using my MasterCard debit card on our euro account. This was not going to work if they only took Visa. Being hotter than 6 feet from the sun's surface today, Ron suggested we take a taxi to the Barclays Bank where we knew our MC and their ATM would play nicely together. The taxi took us to the bank passing the People's Commerce Bank along the way, where only Visa is accepted, but they had a line snaking 2 blocks long, none of it in the shade. At the Barclays, I jump out. There is a mob, not a line, but a mob. After a few hand signals from non-English speaking natives, I come to find out they are waiting to get into the bank itself. Only 2 are allowed inside at a time. There were only 4 people ahead of me for the ATM. Jackpot! Well, for 5 minutes it seemed like a winner, but then an armored truck pulled up. The security guard with a big fat machine gun made everyone leave the area. Only the person standing at the ATM in the middle of a transaction was allowed to finish. Ron was sitting the air conditioned taxi waiting. When I popped back in, the driver suggested another bank. That bank had 2 ATMs, but no line. Suspiciously, I approached. No electric on either one. The guard confirmed they were not working. Back in the taxi, we went to another. Same story, different bank. The fourth bank had a line, so that was a good sign. I was number twelve. There were 2 women in there together who were taking so long, the guard went in twice to yell at them. Ten minutes later, they emerged and they were already in there when I arrived. Calculating how long it would take me to reach the machine, standing in the hot sun, watching Ron and the driver sit in the air conditioned car, I put curses on the hotel, Zanzibar, Tanzanian banks, and everyone else adding to my discomfort in the heat. I jumped back in the taxi telling Ron the hotel could take a credit card and like it. This was their fault after all for not warning us. Just by chance, I had the driver take us back to the first Barclay's bank. No truck, only 3 people in line for the machine, I jumped out, told Ron to send the taxi on his way. It had now cost us more than twice the original amount quoted. Eureka! I was able to get the money needed.

Walking back, we went through the big market. I bought another bag of vanilla beans for less than what I paid on the spice tour. I had him through in a bag of red saffron too. We stopped at the Zanzibar Coffee Company on the way. It is not air conditioned, but they did have fans and it was cooler than outside. When we made it back to the hotel, we counted out our money.

After paying the hotel and paying for the New Year's dinner tonight, we had about $6.00 left over for all day New Year's Day. Oh, hell! Originally, we had booked the New Year's dinner here at the hotel, which was supposed to be quite a show with entertainment and multi-course meal, but when we checked in we saw that it was $125.00 per person. There was no way we were going to pay that, so we canceled those reservations right quickly and hoped something else would turn up. With the electric issues, it was iffy which restaurants would be open and who could cook, but we found that the Fort Museum had a buffet and entertainment three nights a week. One of the nights was Thursday, which happened to be New Year's Eve. We booked it for $25. each. 

On the way, I started thinking about our lack of funds, so took the Visa ATM card with us. We went to the bank that has the long lines all of the time, because it was closest. Ron fussed that we could do this tomorrow, but I insisted that doing it after the sun has set was smarter than during the heat of the day. At the rate people were going through the line, he estimated we would finish in an hour. An hour tonight was better than 2 tomorrow. When we were 4th in line, people came out crumbling, all natives. When I asked someone what they were saying, I did not like the response. The machine is out of money. Well, I would not take that for an answer, so while the rest were moaning, I moved forward. Like hitting the lottery, the money spit out. We could eat another day.

At the fort, we bought our tickets. The "restaurant" is outdoor seating at the edge of the historic fort built by somebody to protect their conquered goods from being ripped off by some other invader who really had no right to be here to begin with. The buffet was simple at best, not having 1/2 of what is advertised for other dinner buffets. Rice, chippata, stewed vegetables, beef on a skewer, chicken, fish, and fruit. Drinks were extra. Supposedly an all-you-can-eat buffet, it all disappeared after the first half hour. The entertainment consisted of a drummer, and accordianist, and two female singers who sang to us in Swahili. Grand total, there were 8 of us there for dinner and 2 others who were there for the show only. By 9:30, it was all over. Such a festive New Years were were having.

To work off that one shot at the buffet we had, we walked around the park. It was grounded and the food vendors were there selling their food. Deciding that this year was not going to be as festive as the last two, we returned to the hotel. Outside on the street, three dancers were performing Swahili dances. All the neighborhood came to watch, so we sat and watched also. When they were done, we went to our little cafe for a cup of tea. Moments later the dancers and drummers followed us in and gave us a command performance, but their command, not ours. It was fun, but by 11pm, we were in bed reading and slept through the changing of the years.  

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Money Woes Is Me

Thunderstorms this morning, making the air feel like we are swimming around the room. Humidity does not begin to describe it with the oppressive heat. Last night, we left the screened windows open for air; the ceiling fan was working overtime too. When I peeled myself from the sheets, it was obvious it had rained in. Luckily, my computer and camera were on the shelf under the closed window.

By the time, we made our way down our 2 flights of stairs, across the hotel and then 4 flights of stairs to the breakfast room, artificial resuscitation would have been welcomed. These stairs are not really stairs, they are like climbing Mount Kilimanjaro. Each one takes a contortionist movement of the legs to reach the next step. A Slinky going down them would give up in disgust and refuse to go further than 2 steps out of fear of heights. Though, the staff run up and down them like they were nothing, but the staff is mostly under 25 years old too. 

Armed with umbrellas that we never needed, we went to explore the city. A walking tour is offered, but we did not make it in time to book it, so we hoofed it on our own starting at the seaside and working our way through the maze of streets. With the electric problems, customers need to shop and plan out where to eat early in the day or there may not be as many options past 4pm. Sunset is at 6:15pm every day and by 6:45pm, it is dark. We were told this is because of the proximity to the equator. It was the same in Kenya, too. If you are looking for a glorious sunset, don't sneeze or you will miss out. 

One of the shops we came across has a number of batiked items, jewelry and hand woven scarves. Many of the products support the Masai Women's Collective to aid them in being financially independent. One of the things that attracted my attention were wonderful lounging pants, one size fits all. The skinny salesman/artist showed us how they work for keeping them in place. I had the idea of getting 2 sets for each of the bedrooms and one for each of us. Guests can use them for lounging or to come to breakfast before showering and then we just launder them when they leave us. They are wonderful 'hang-around' on a lazy day type pants; my kind of clothing. We picked out other things we wanted to buy as gifts, but without cash could only promise to return. Supporting a women's collective and young artists makes me feel like my money is well spent.

Our next venture was to the market. Stall after stall, it was not much different than Cairo or Morocco, but smaller. Everyone has a bargain; everyone wants to sell you something. The items of choice are vanilla beans and saffron. Both are dirt cheap here. In CA, the supermarkets used to keep both under lock and key due to the expense and theft. Here you can buy either for $2.00 a pod for vanilla or a packet of saffron. I will stock up before we leave. At the market and everywhere else people are hawking bags of cashews, spices, or DVDs of Swahili top ten hits. Not that I am interested, but I am curious if there really is a DVD of music in the wrapped cover they offer.

We decided we had better find an ATM and get some cash. What we had was wearisomely low. When we found the bank, there was a long a block long to use the machines. Where these due to the electrical problems or just a run on the bank? I stood in line for over thirty minutes while Ron tried finding another bank. When I finally found the machines in eye sight, I saw the Visa logo only. This was a concern since our bank ATM is a MasterCard. Sure as there is a death at the end of life, the machine would not accept my card. But, it did not inform me of this right out. We played cat and mouse with false hopes before it flashed "REJECTED, cannot make this transaction". Two blocks away was a Barclays Bank, so we went there. Suspiciously, there was no line. We went in the door, it was air conditioned. We could have stayed there for longer if the "We are sorry for the inconvenience, but this machine is currently not working. Please try again later" message flashing on the screen was not so discouraging. Now fear was creeping in. Most places do not take credit cards, but even if they could, without electricity then cannot run the cards. They have not learned or don't want to bother calling it in the old-fashioned way.

Diagonally from Barclays a half block down was another bank. I went there, but no machine at all. The bank had closed down.  With cash concerns, we returned  to our room to think things out. Some of my best ideas come when I am on the computer and sure enough, I remembered while uploading some posts that our other bank card was a Visa debit card. This is not the account I wanted to draw from, but if push came to possibly having to steal to get money, we would do it. First, we returned to Barclays. It did say to check back later and this was later. Now the damn machine was not even lit up. Someone must have shut off the generator. Back to the other bank, with fingers crossed, it swallowed my card and spit out cash. Hope of shopping trips returned, not to mention eating another meal after the provided breakfast. 

Now feeling flush, we went to the Old Fort where there is an old fort, hence the name, but also a tour booking service and tourism information. We booked the Spice Tour for tomorrow. As luck would have it, three Swedish people from our hotel arranged the same tour and requested an air conditioned van or they would  not go. Thank you Swedes.

Across the street from the fort and on the waterfront is a large park that was refurbished and reopened this year. By 6pm, it was filled with food venders cooking on grills and selling their foods. One such was grilling a root type vegetable which we had never seen before.  There was a young couple eating one nearby. I took a chance they were tourists and asked about it. It is called a maniok (we are not sure of the spelling). It is similar to a potato, but a bit different taste. We tried one and it was good, especially hot off of the grill, but not as good as it could have been slathered in butter. Another foodsmith nabbed us to show us all of his offerings. He could have been named Neptune; he had every type of sea creature ready to grill as well as potatoes, sweet potatoes (African are a bit different from what we are used to), chicken or beef on a stick, falafel, and coconut bread. After his whole speech, we turned him down and went to our cafe next to the hotel.

The soup of the day was pumpkin with coconut milk. Could I resist? No! It was delicious; so good in fact, I could have forgotten about a main dish, but I had a chicken fajita, also recommendable. Tomorrow night, we may just may attempt the food on the go, in the park, for dinner.

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