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It’s time to limit how often we can travel abroad – ‘carbon passports’ may be the answer

<p><em><a href="https://theconversation.com/profiles/ross-bennett-cook-1301368">Ross Bennett-Cook</a>, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</a></em></p> <p>The summer of 2023 has been very significant for the travel industry. By the end of July, international tourist arrivals globally <a href="https://www.unwto.org/news/international-tourism-swiftly-overcoming-pandemic-downturn">reached 84% of pre-pandemic levels</a>. In <a href="https://joint-research-centre.ec.europa.eu/jrc-news-and-updates/eu-tourism-almost-full-recovery-pre-pandemic-levels-2023-10-23_en">some European countries</a>, such as France, Denmark and Ireland, tourism demand even surpassed its pre-pandemic level.</p> <p>This may be great <a href="https://skift.com/insight/state-of-travel/">news economically</a>, but there’s concern that a return to the status quo is already showing dire environmental and social consequences.</p> <p>The summer saw record-breaking heatwaves across many parts of the world. People were forced to flee <a href="https://www.theguardian.com/world/2023/jul/24/greece-wildfires-corfu-evia-rhodes-heatwave-northern-hemisphere-extreme-weather-temperatures-europe">wildfires in Greece</a> and <a href="https://www.independent.co.uk/climate-change/news/hawaii-fires-update-biden-b2393188.html">Hawaii</a>, and extreme <a href="https://www.manchestereveningnews.co.uk/news/world-news/foreign-office-issues-spain-weather-27339111">weather warnings</a> were issued in many popular holiday destinations like Portugal, Spain and Turkey. Experts <a href="https://theconversation.com/european-heatwave-whats-causing-it-and-is-climate-change-to-blame-209653">attributed these extreme conditions</a> to climate change.</p> <p>Tourism is part of the problem. The tourism sector <a href="https://wttc.org/Portals/0/Documents/Reports/2021/WTTC_Net_Zero_Roadmap.pdf">generates around one-tenth</a> of the greenhouse gas emissions that are driving the climate crisis.</p> <p>The negative impacts of tourism on the environment have become so severe that some are suggesting drastic changes to our travel habits are inevitable. In a <a href="https://www.intrepidtravel.com/sites/intrepid/files/basic_page/files/A%20Sustainable%20Future%20For%20Travel%20From%20Crisis%20To%20Transformation-231016-02.pdf">report</a> from 2023 that analysed the future of sustainable travel, tour operator Intrepid Travel proposed that “carbon passports” will soon become a reality if the tourism industry hopes to survive.</p> <h2>What is a carbon passport?</h2> <p>The idea of a carbon passport centres on each traveller being assigned a yearly carbon allowance that they cannot exceed. These allowances can then “ration” travel.</p> <p>This concept may seem extreme. But the idea of personal carbon allowances is not new. A <a href="https://publications.parliament.uk/pa/cm200708/cmselect/cmenvaud/565/565.pdf">similar concept</a> (called “personal carbon trading”) was discussed in the House of Commons in 2008, before being shut down due to its perceived complexity and the possibility of public resistance.</p> <p>The <a href="https://www.nature.org/en-us/get-involved/how-to-help/carbon-footprint-calculator/#:%7E:text=A%20carbon%20footprint%20is%20the,is%20closer%20to%204%20tons.">average annual carbon footprint</a> for a person in the US is 16 tonnes – one of the highest rates in the world. In the UK this figure sits at 11.7 tonnes, still more than five times the figure recommended by the <a href="https://www.openaccessgovernment.org/the-average-british-carbon-footprint-is-five-times-over-paris-agreement-recommendations/152669/#:%7E:text=Despite%20rising%20environmental%20awareness%20across,equivalent%20(tCO2e)%20per%20year.">Paris Agreement</a> to keep global temperature rise below 1.5°C.</p> <p>Globally, the average annual carbon footprint of a person is closer to 4 tonnes. But, to have the best chance of preventing temperature rise from overshooting 2°C, the average global carbon footprint <a href="https://www.nature.org/en-us/get-involved/how-to-help/carbon-footprint-calculator/#:%7E:text=Globally%2C%20the%20average%20carbon%20footprint,tons%20doesn't%20happen%20overnight!">needs to drop</a> to under 2 tonnes by 2050. This figure equates to around <a href="https://www.theguardian.com/environment/ng-interactive/2019/jul/19/carbon-calculator-how-taking-one-flight-emits-as-much-as-many-people-do-in-a-year">two return flights</a> between London and New York.</p> <p>Intrepid Travel’s report predicts that we will see carbon passports in action by 2040. However, <a href="https://www.politico.eu/article/travel-short-haul-flights-europe-under-fire-climate-change-cop26/">several laws and restrictions</a> have been put in place over the past year that suggest our travel habits may already be on the verge of change.</p> <h2>Targeting air travel</h2> <p>Between 2013 and 2018, the amount of CO₂ emitted by commercial aircrafts worldwide <a href="https://theicct.org/sites/default/files/publications/ICCT_CO2-commercl-aviation-2018_20190918.pdf">increased by 32%</a>. Improvements in fuel efficiency are slowly reducing per passenger emissions. But <a href="https://www.sciencedirect.com/science/article/pii/S1352231014004889">research</a> from 2014 found that whatever the industry’s efforts to reduce its carbon emissions, they will be outweighed by the growth in air traffic.</p> <p>For emission reductions to have any meaningful effect, ticket prices would have to rise by 1.4% each year, discouraging some people from flying. However, in reality, <a href="https://www.climatecentral.org/news/increase-in-flights-will-outweigh-carbon-cuts-17875">ticket prices are falling</a>.</p> <p>Some European countries are beginning to take measures to reduce air travel. As of April 1 2023, passengers on short-haul flights and older aircraft in Belgium have been <a href="https://www.euronews.com/green/2022/12/12/private-jets-and-short-haul-flights-face-pollution-busting-tax-increases-in-belgium">subject to increased taxes</a> to encourage alternative forms of travel.</p> <p>Less than two months later France banned <a href="https://www.bbc.co.uk/news/world-europe-65687665">short-haul domestic flights</a> where the same trip can be made by train in two-and-a-half hours or less. <a href="https://businesstravelerusa.com/news/spain-to-follow-frances-lead-plans-to-ban-short-haul-domestic-flights/">Spain</a> is expected to follow suit.</p> <p>A similar scheme could also be on the horizon for Germany. In 2021, a <a href="https://www.cleanenergywire.org/news/seventy-percent-germans-favour-banning-short-haul-flights-survey">YouGov poll</a> found that 70% of Germans would support such measures to fight climate change if alternative transport routes like trains or ships were available.</p> <h2>Cruises and carbon</h2> <p>It’s not just air travel that’s being criticised. An <a href="https://www.transportenvironment.org/wp-content/uploads/2023/06/The-return-of-the-cruise-June-2023.pdf">investigation</a> by the European Federation for Transport and Environment in 2023 found that cruise ships pump four times as many sulphuric gases (which are proven to cause acid rain and <a href="https://www.forbes.com/sites/jamesellsmoor/2019/04/26/cruise-ship-pollution-is-causing-serious-health-and-environmental-problems/?sh=468ee2f637db">several respiratory conditions</a>) into the atmosphere than all of Europe’s 291 million cars combined.</p> <p>Statistics like these have forced European destinations to <a href="https://www.ft.com/content/8727387d-590d-43bd-a305-b5ec208a4dfe">take action</a> against the cruise industry. In July, Amsterdam’s council <a href="https://www.bbc.co.uk/news/world-europe-66264226">banned cruise ships</a> from docking in the city centre in a bid to reduce tourism and pollution – an initiative that has shown success elsewhere.</p> <p>In 2019 Venice was the most polluted European port, due to large numbers of cruise ship visits. But it dropped to 41st place in 2022 after a ban on large cruise ships entering the city’s waters <a href="https://www.transportenvironment.org/discover/europes-luxury-cruise-ships-emit-as-much-toxic-sulphur-as-1bn-cars-study/">reduced air pollutants from ships</a> in Venice by 80%.</p> <h2>Changing destinations</h2> <p>Intrepid Travel’s report also highlights that not only how we travel, but <a href="https://joint-research-centre.ec.europa.eu/jrc-news-and-updates/global-warming-reshuffle-europes-tourism-demand-particularly-coastal-areas-2023-07-28_en">where we travel</a> will soon be impacted by climate change. Boiling temperatures will probably diminish the allure of traditional beach destinations, prompting European tourists to search for cooler destinations such as Belgium, Slovenia and Poland for their summer holidays.</p> <p><a href="https://www.travelweekly.com/Travel-News/Tour-Operators/Travelers-seek-cooler-destinations-this-summer">Several travel agencies</a> reported seeing noticeable increases in holiday bookings to cooler European destinations like Scandinavia, Ireland and the UK during 2023’s peak summer travel months.</p> <p>Whatever the solution may be, changes to our travel habits look inevitable. Destinations across the globe, from <a href="https://www.theneweuropean.co.uk/barcelonas-war-on-tourism-ada-colau/">Barcelona</a> to the <a href="https://www.dw.com/en/italy-tourism-bans-controls-fees-restrictions/a-66453047">Italian riveria</a> and even <a href="https://theconversation.com/death-on-everest-the-boom-in-climbing-tourism-is-dangerous-and-unsustainable-114033">Mount Everest</a> are already calling for limits on tourist numbers as they struggle to cope with crowds and pollution.</p> <p>Holidaymakers should prepare to change their travel habits now, before this change is forced upon them.</p> <p><a href="https://theconversation.com/profiles/ross-bennett-cook-1301368"><em>Ross Bennett-Cook</em></a><em>, Visiting Lecturer, School of Architecture + Cities, <a href="https://theconversation.com/institutions/university-of-westminster-916">University of Westminster</a></em></p> <p><em>Image credits: Getty Images  </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/its-time-to-limit-how-often-we-can-travel-abroad-carbon-passports-may-be-the-answer-216503">original article</a>.</em></p>

International Travel

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Travelling abroad? Don’t be tempted to pay your way using your home currency

<p>Part of the joy of travelling comes from experiencing the unfamiliar – a different climate, culture or cuisine. But when it comes to paying for things abroad, we might feel more comfortable using the currency we are most familiar with, the one we use at home.</p> <p>This has recently become a common – and expensive – option for tourists withdrawing money from cash machines, or paying electronically in shops and restaurants. </p> <p>When a restaurant bill arrives for example, foreign customers may be offered the choice on the card reader to pay in their home currency rather than the local one. This feature, known as “dynamic currency conversion” or “currency choice” sounds appealing at first – a service which has done the hard work for you, converting the bill to a currency you understand, giving you a better idea of how much money you are spending. </p> <p>But it comes at a price – as the fees charged for this convenience can be exorbitant. In fact, <a href="https://fil.forbrukerradet.no/wp-content/uploads/2017/07/input-from-ncc-to-the-european-commission-on-dcc-30062017.pdf">one study</a> shows that the average fee applied to this kind of conversion is a whopping 7.6%, more than double the cost of paying in the local currency (usually between 1.5% and 3%). </p> <p>So suppose a French traveller goes out for dinner in a British town, and the final bill comes to £88.43, the equivalent of €100. Paying in UK currency, which would then converted to euros by the French diner’s bank, would lead to a payment of around €102. But using the dynamic currency conversion to pay the restaurant bill directly in euros would end up costing them €107.60.</p> <p>Despite the high fees, <a href="https://journals.sagepub.com/doi/full/10.1177/07439156231157721">our research shows</a> that more than half of international customers still choose to pay in their familiar home currency. The most obvious explanation for this is an understandable preference for the familiar when dealing with money abroad.</p> <p>But it is also true that the fees are not explicitly shown to customers. That is, tourists may see the applied exchange rate, but they are not shown the hidden fees or how that exchange rate compares with others. </p> <p>And while expensive for tourists, the currency choice “service” can be highly lucrative for those who operate it. The companies which provide dynamic currency conversion options earn significant conversion revenues – a portion of which is often shared with the business where the transaction takes place.</p> <p><a href="https://www.electronicpaymentsinternational.com/opinion/dcc-routing-revenues-away-from-issuer-into-acquirers-pockets/">Sources indicate</a> that extra revenues for retailers come to around 1% of the transaction value. We have also been told of well known department stores training employees to actively encourage foreign customers to pay for purchases in their home currency.</p> <h2>Greater transparency</h2> <p>And despite the high conversion fees involved with dynamic currency conversion, most government regulators around the world have been hesitant to intervene. One possible reason for this is that regulation would be seen as potentially hitting the profits of local businesses. </p> <p>The exception is the European Union (EU), which considers excessive transaction costs <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32021R1230">to be a barrier</a> to the development of businesses and aims to protect European consumers. </p> <p>The latest <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32021R1230">EU regulations</a> (not yet enforced) aim to enhance transparency by including extra information about the costs of currency choice on card readers and ATMs. </p> <p>This is a step in the right direction. But we would in fact encourage a reduction in the amount of information to make things simpler, so that customers are made aware purely of the percentage fee being added if they choose to pay in their own currency. We also think there should be maximum conversion charges to protect unaware customers from excessive fees.</p> <p>With the continued growth of international travel, it is crucial to find ways to help people make informed financial decisions when dealing with exchange rates and making payments outside of their currency zone.</p> <p>But for now, travellers are likely to spend more of their money abroad than they need to, because of something they intuitively feel will make a transaction simpler and less time consuming. </p> <p>So if you’re on holiday or travelling for work, our advice is to decline the option of paying in your home currency and instead opt for the more reasonable conversion fees charged by your bank. Your travel experience could end up much cheaper if you do.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/travelling-abroad-dont-be-tempted-to-pay-your-way-using-your-home-currency-202795" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Travel Tips

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Three unconventional forms of travel you should try if you can’t go abroad this summer

<p>There has never been a better time to rethink the traditional vacation. International tourism <a href="https://unctad.org/news/global-economy-could-lose-over-4-trillion-due-covid-19-impact-tourism" target="_blank" rel="noopener">has been decimated</a> by the pandemic, and it is likely <a href="https://www.spglobal.com/ratings/en/research/articles/210624-economic-research-asia-pacific-s-recovery-regains-its-footing-12010263" target="_blank" rel="noopener">to be difficult</a> for the travel industry to recover in the near future.</p><p>Short-term, uncertainty around leisure travel continues. COVID-19 restrictions have limited international travel opportunities to a confusing patchwork of <a href="https://www.gov.uk/guidance/red-amber-and-green-list-rules-for-entering-england" target="_blank" rel="noopener">recommendations</a> and <a href="https://www.cdc.gov/coronavirus/2019-ncov/travelers/from-other-countries.html" target="_blank" rel="noopener">restrictions</a>. Tourists travelling for Euro 2020 have been linked to <a href="https://www.reuters.com/world/europe/who-warns-third-coronavirus-wave-europe-2021-07-01/" target="_blank" rel="noopener">spikes in COVID-19 cases</a>. Australia has re-imposed regulations on domestic and international travel to try and manage the virus’s spread.</p><p>Long-term, we need to make tourism more sustainable. Aviation contributes <a href="https://www.bbc.com/future/article/20200218-climate-change-how-to-cut-your-carbon-emissions-when-flying" target="_blank" rel="noopener">around 5%</a> of annual human-made global warming. Tourism also needs to be more inclusive. In the UK, just 1% of the population take <a href="https://policy.friendsoftheearth.uk/policy-positions/aviation-and-climate-change-our-position" target="_blank" rel="noopener">20% of flights abroad</a>.</p><p>Given this situation, familiar assumptions about what vacations should look like are overdue a reset. Our current model contributes to climate change. It confines the benefits of tourism to a few positives, while the negative impacts are felt by many. And it may be unavailable for the foreseeable future.</p><p>Alternative tourism approaches are available, however. But rather than being about money, they focus on mindset. They are the ways in which philosophy can help us to rethink tourism and explore options which may be more accessible and sustainable to us overall.</p><p>Tourism is something that takes us <a href="https://www.unwto.org/glossary-tourism-terms" target="_blank" rel="noopener">out of the usual</a>. Stepping outside of everyday routines gives us a chance to relax. Doing something unfamiliar provides opportunities to learn. But you don’t need to travel long distances to reap the benefits. We can access the unfamiliar close to home:</p><p><strong>Micro-domestic tourism</strong></p><p>This refers to tourism that takes place within a confined space. This might be <a href="https://journals.sagepub.com/doi/pdf/10.1177/0047287512467700?casa_token=a14z3S6HohsAAAAA:kq0-81ZjUqvQbkNHNpdrPmP6NDQqsp1-hUfaGlVTW5Z5tvX5t61AK9t0RtboR6hAPHZ0MFdxi-4E" target="_blank" rel="noopener">inhabitants of small islands</a> taking a trip from one side to another, for example. Or even visiting a holiday home that is <a href="https://www.sciencedirect.com/science/article/abs/pii/0160738386900265" target="_blank" rel="noopener">in sight of your main house</a>. Even tiny journeys can take you into an entirely different headspace.</p><p>Somewhere close by can be unfamiliar. A particular footpath never followed, or an unknown part of town. Entering such spaces provides the chance to leave behind the accustomed. It gives people the change to relax, rethink, and reconnect with themselves and others. Psychological rather than geographic distance is what counts.</p><figure class="align-center "><img src="https://images.theconversation.com/files/409917/original/file-20210706-13-tvpryb.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Silhouettes of people making shapes by a light in a tent at night" /><figcaption><em><span class="caption">Somewhere close by can be unfamiliar.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-photo/silhouettes-children-playing-camping-tent-night-1629935020" target="_blank" rel="noopener">Dmitry Naumov/Shutterstock</a></span></em></figcaption></figure><p><strong>Virtual travel</strong></p><p>It may even be possible to take a vacation <a href="https://www.bbc.com/travel/article/20200330-covid-19-virtual-travel-during-coronavirus" target="_blank" rel="noopener">without leaving the house</a>. Virtual travel involves entering digital landscapes. These may be recreations of physical spaces, such as the <a href="https://www.virtualuffizi.com/explore-the-uffizi.html" target="_blank" rel="noopener">Uffizi Gallery</a> in Florence, Italy. Alternately, they may be imagined worlds in themselves, such as <a href="https://www.gamesradar.com/uk/best-open-world-games/3/" target="_blank" rel="noopener">open world games</a>.</p><figure class="align-center "><img src="https://images.theconversation.com/files/409919/original/file-20210706-25-1qbqfw9.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Person playing Animal Crossing on a Nintendo Switch" /><figcaption><em><span class="caption">The Animal Crossing Nintendo game provided a great deal of escapism for people during the first lockdown.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-photo/bangkok-thailand-march-21-2020-man-1711683874" target="_blank" rel="noopener">Wachiwit/Shutterstock</a></span></em></figcaption></figure><p>Virtual travel gives convenient access to emotionally and intellectually stimulating spaces. Animal Crossing, for example, became <a href="https://www.theguardian.com/games/2020/may/13/animal-crossing-new-horizons-nintendo-game-coronavirus" target="_blank" rel="noopener">hugely popular during 2020</a>. Players could use games like these to escape confinement and travel to a safe and relaxing space. Shared with online friends, virtual tourism can <a href="https://www.wired.com/story/rave-animal-crossing-new-horizons/" target="_blank" rel="noopener">help to combat</a> the stress, boredom and isolation of lockdown.</p><p><strong>Psychogeography</strong></p><p>Finding alternative tourist destinations may not be a case of travelling somewhere new at all. The unfamiliar can be found in our everyday surroundings. Our houses, neighbourhoods and workspaces shape how we think and act. However, it’s our familiarity with these spaces that make us <a href="https://www.newstatesman.com/sci-tech/2015/06/familiarity-breeds-contempt-why-do-we-get-bored-and-what-point-boredom" target="_blank" rel="noopener">insensitive to</a> their effects.</p><p><a href="http://library.nothingness.org/articles/SI/en/display/2" target="_blank" rel="noopener">Psychogeography</a> can resensitise us to these environments. It involves a series of techniques originally developed by philosopher <a href="https://philosophynow.org/issues/14/Dead_Bored_Debords_Dead" target="_blank" rel="noopener">Guy Debord</a> which he called <a href="https://theconversation.com/psychogeography-a-way-to-delve-into-the-soul-of-a-city-78032" target="_blank" rel="noopener"><em>dérive</em></a>. These practices can help us to become more conscious of our surroundings and how they make us feel and behave.</p><figure class="align-center "><img src="https://images.theconversation.com/files/410114/original/file-20210707-17-1h1s8cf.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=754&amp;fit=clip" alt="Woman closing her eyes with a picture of a sunset photoshopped onto her black hair" /><figcaption><em><span class="caption">Psychogeography encourages people to engage with physical and in some cases digital spaces that are taken-for-granted.</span> <span class="attribution"><a class="source" href="https://www.shutterstock.com/image-photo/double-multiply-exposure-portrait-dreamy-cute-1458773024" target="_blank" rel="noopener">sun ok/Shutterstock</a></span></em></figcaption></figure><p>Psychogeography involves <a href="https://www.cddc.vt.edu/sionline/si/theory.html" target="_blank" rel="noopener">drifting through spaces</a> both physically and mentally. This means following the flow of whatever landscape you’re in with no particular purpose. The idea is to see what interests you on the day, following those instincts, and finding out where they take you. Wandering and wondering can lead to surprising places. The <a href="https://deriveapp.com/s/v2/" target="_blank" rel="noopener">Dérive app</a> can be downloaded to give this a go.</p><p>Micro-domestic tourism and virtual travel teach us that we don’t have to go far from home to explore the unfamiliar. Psychogeography, meanwhile, encourages us to re-engage with physical, and perhaps digital, spaces that are taken for granted. In doing so, the unfamiliar may be rediscovered.</p><p>COVID-19 has encouraged us to embrace new forms of tourism. Domestic tourism is booming in the UK. Likewise, virtual travel is gaining appreciation. Game-based <a href="https://www.shortlist.com/news/video-game-travel-guide" target="_blank" rel="noopener">holiday hotspots</a> have long been known to fans. However, more mainstream consumers are picking up on the potential. Rough Guides, the well-known travel guide books, recently launched a <a href="https://www.roughguides.com/articles/introduction-to-the-rough-guide-to-xbox/" target="_blank" rel="noopener">guidebook</a> to the X-box games console, for example.</p><p>New tourism habits are <a href="https://www.theverge.com/2021/1/6/22215786/video-games-covid-19-animal-crossing-among-us" target="_blank" rel="noopener">likely to remain</a>, now that people have had the opportunity to discover that it can be more than the long-haul. A growing realisation that wanderlust can be satiated <a href="https://www.cnbc.com/2021/03/30/heres-what-post-pandemic-travel-might-look-like.html" target="_blank" rel="noopener">close to home</a> will be a good thing for re-balancing an industry that has over-emphasised financially and ecologically expensive travel.<img style="border: none !important;margin: 0 !important;max-height: 1px !important;max-width: 1px !important;min-height: 1px !important;min-width: 1px !important;padding: 0 !important" src="https://counter.theconversation.com/content/163776/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /></p><p><em><a href="https://theconversation.com/profiles/brendan-canavan-228682" target="_blank" rel="noopener">Brendan Canavan</a>, Senior Lecturer in Marketing, <a href="https://theconversation.com/institutions/university-of-nottingham-1192" target="_blank" rel="noopener">University of Nottingham</a></em></p><p><em>This article is republished from <a href="https://theconversation.com" target="_blank" rel="noopener">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/three-unconventional-forms-of-travel-you-should-try-if-you-cant-go-abroad-this-summer-163776" target="_blank" rel="noopener">original article</a>.</em></p><p><em>Image: Getty Images</em></p>

Domestic Travel

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Harry and Meg are back! Royal couple open up about holiday abroad

<p><span>The Duke and Duchess of Sussex were welcomed back to work with open arms and cheers as they returned from their extended holiday in Vancouver, Canada.</span></p> <p><span>The couple hit the ground running with a day of public and private engagements, including a trip to Canada House as a way to thank Canadians for their “hospitality and support” that the family received while visiting Vancouver Island.</span><br /><br /><span>Before arriving at Canada House though, both Prince Harry and Duchess Meghan made a private visit to see the Hubb Community Kitchen in west London as the Duchess wanted to check in with the women there.</span><br /><br /><span>The royals first formed a formidable bond with them when she first visited the kitchen, which was set up in the aftermath of the devastating Grenfell Tower fire, secretly before her wedding to Prince Harry.</span><br /><br /><span>A crowd had gathered by 3 p.m. at Trafalgar Square to welcome the royal couple.</span><br /><br /><span>Staff from the High Commission were also outside the building.</span><br /><br /><span>Duchess Meghan went on to describe her holiday in Vancouver with Prince Harry and baby Archie as “beautiful.”</span><br /><br /><span>Consular assistant Sumira Osmin, from Ontario, said about Harry and Meghan: “They are just beautiful, and just their aura, and they’re always so positive...They’re very caring.”</span><br /><br /><span>The Duke and Duchess of Sussex saw a special exhibition in the Canada Gallery by female Indigenous Canadian artist Skawennatti.</span><br /><br /><span>The Canadian High Commissioner to the U.K., Janice Charette, told T&amp;C it was “an exhibit which spans both the history and tradition as well as the future which is a very unique approach and very creative.”</span><br /><br /><span>The High Commissioner said the royal couple’s visit was a “chance to catch up, hear a bit about their visit to Canada and their holidays in Canada, and their impressions.”</span><br /><br /><span>She added that she discussed with them “what they see in terms of their priorities for the next year”.</span><br /><br /><span>“There’s a lot of areas where they have interests which are also priorities for Canada.”</span><br /><br /><span>Charette said she thought there “will be some opportunities for us to think about Canada House and the Sussexes doing some interesting work together,” and mentioned topics including gender equality and gender empowerment, homelessness, mental health and youth engagement,</span><br /><br /><span>She also mentioned the couple’s down time over their break.</span><br /><br /><span>“The fact that they were able to go to Canada to enjoy the holiday season with friends and family and basically to have privacy and be undisturbed and to be able to enjoy peace and tranquility and the beautiful country, I couldn’t be happier,” she said.</span><br /><br /><span>The Sussexes are expected to make further announcements about upcoming engagements shortly.</span><br /><br /><span>This year the royal couple will be focusing on their foundation Sussex.</span></p> <p><span>Scroll through the gallery to see the Duke and Duchess of Sussex on their first day back at work. </span></p>

Beauty & Style

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How to save money when travelling abroad

<p>The <a href="http://www2.unwto.org/publication/unwto-annual-report-2017">number</a> of tourists and business travellers visiting a country other than their own continues to outpace its own record every year.</p> <p>One thing you definitely need when traveling abroad besides a passport is local currency, such as euros in Europe, yen in Japan or rubles in Russia. In the past, travelers would typically withdraw what they need from an ATM in the country they’re visiting or simply use a credit card, letting their bank calculate the cost in their home currency at roughly the market rate. There was usually also a foreign transaction fee.</p> <p>Increasingly, however, retailers, restaurants and ATMs are offering travelers the option to pay or withdraw money in terms immediately converted into their home currency. Companies offering the service call it “<a href="http://www.monexfs.com/solutions/dynamic-currency-conversion/">dynamic currency conversion</a>.” For example, an American tourist visiting Paris is able to use her credit card to pay for a fancy meal at a French bistro in U.S. dollars, instead of euros.</p> <p>This may seem innocuous – or even convenient – but agreeing to use your home currency in a foreign land can significantly inflate the cost of every purchase. Thinking a bit more like an economist can help you avoid this mistake, and save a lot of money.</p> <p><strong>Surge in tourists</strong></p> <p>A century ago, international travel was only for the rich. These days, almost anyone from an industrialized country can see a bit of the world on a budget.</p> <p>While people commonly complain about “high” airfares, the real cost of flying has never been <a href="https://www.theatlantic.com/business/archive/2013/02/how-airline-ticket-prices-fell-50-in-30-years-and-why-nobody-noticed/273506/">less expensive</a> – it’s half what it was in the early ‘80s – or <a href="http://www.travelandleisure.com/articles/why-airplanes-are-safe">safer</a>.</p> <p>And that’s one reason why a record <a href="http://media.unwto.org/press-release/2017-07-14/strong-tourism-results-first-part-2017">1.24 billion people</a> visited another country in 2016. Naturally, financial firms have sought to capitalize on all this wandering by inventing ever more ways to separate travellers from their hard-earned money.</p> <p><strong>Buying things abroad</strong></p> <p>Tourists rely on credit, debit or ATM cards to pay for hotels, restaurant meals and local trinkets.</p> <p>A complex international computer network checks if a card is valid for the transaction and transfers the money. Traditionally, to help pay for this, banks and credit card companies have charged customers a foreign transaction fee.</p> <p>However, banks are now offering more cards with no foreign transaction fees. At the same time, “free ATMs” are popping up around the world that don’t charge local transaction fees (though your own bank may still do so).</p> <p>So how do banks cover the costs of these transactions if they are increasingly letting consumers use the system for free? One way is offering the option to pay in a user’s home currency. <a href="https://www.americanbanker.com/opinion/stop-gouging-travelers-with-dynamic-currency-conversion">Even some bankers</a> warn against consumers doing this because the exchange rate used is much worse than the one your bank would offer.</p> <p>For example, say you’re a Spaniard visiting New York City and shopping for some clothes at a department store. After scouring the store for the right sweater for your mother, you go to the cashier to pay the US$50 bill (tax included). After you swipe your Spanish credit card (which boasts no foreign transaction fee), the cashier asks if you’d like to pay in euros instead of dollars.</p> <p>If you stick with dollars, your bank would convert the price into euros at about the market rate, €43 at the moment. If you choose to pay in euros, however, the currency conversion includes a fee for the privilege, which may be as much as 10 percentage points. So you might end up paying about €47 instead.</p> <p>The same thing happens with ATMs. Last year, I was in London’s Heathrow Airport and needed some British pounds. In the old days, an ATM would simply offer a few denomination options, issue me money and my bank at home would eventually calculate the cost in US dollars. Instead, the airport ATM asked me if I wanted to lock in the exchange rate and know exactly how many dollars would be debited from my bank account.</p> <p>I wanted £100 and tried two different ATMs. The currency rate offered in dollars ranged from almost 4 percent to 10 percent more than what my bank charged (or about US$134 to US$142). I rejected both offers, did the transaction in the local currency and ended up with a total charge of just US$129 from my bank.</p> <p>I have observed numerous international travellers as they made this choice, such as an Italian family arguing about it at the next ATM, and most chose the dynamic conversion into their own currencies.</p> <p>So why do travellers pay more by accepting a worse exchange rate when they could simply say no?</p> <p><strong>Three functions of money</strong></p> <p>Economists consider any item as money if it performs three different functions: unit of account, store of value and medium of exchange. Two out of three explain why so many international travellers act the way they do.</p> <p>The first function of money is a <a href="http://money.visualcapitalist.com/tag/unit-of-account/">unit of account</a>, which is how people post and keep track of prices. This is why banks and credit card companies get people to agree to pay in the currency where they live, instead of using local money.</p> <p>When people travel to a country with a different currency, they often mentally keep track of their spending using their home currency, converting all prices in their heads as they shop and eat. If an ATM or credit card terminal asks if you want to pay for something in the currency you use as your unit of account, your brain says yes.</p> <p>Money also acts as a <a href="https://www.jstor.org/stable/1914465">store of value</a>. Items used as money provide the ability to make purchases now and also in the future. At the end of a trip, travellers not planning on returning to a country tend to spend leftover money in airports buying things they don’t really want. They don’t want to hold onto foreign bills since they are not a store of value. For the same reason, they prefer to be charged in their home currency when getting money from an ATM.</p> <p>Money is also a <a href="https://www.jstor.org/stable/40657688">medium of exchange</a>, which is anything readily acceptable as payment to buy or sell goods and services. This is why people have to convert money when they travel abroad. In New York City, a dollar bill is a medium of exchange for food, drink or a ride on the subway. However, those dollars are not a medium of exchange in, say, China, where waving a wad of greenbacks would mostly get you stares. And that’s why travelers must convert money from one currency to another.</p> <p><strong>How to save money abroad</strong></p> <p>When faced with an ATM or credit card machine that asks if you want to convert to your home currency, I recommend you decline, especially if you went to the pain and effort to ensure you have a card or bank with no extra foreign exchange fees. Even if you don’t have one, and your debt card charges a fee, in most cases it still makes sense to use the local currency.</p> <p>An exception to this rule, of course, is if your bank or credit card charges a very high fixed foreign exchange fee and you need only a little bit of money. If this is your case, then saying yes might save you money even if you get a poor exchange rate.</p> <p>The main thing: Think it through. Resist your natural inclination to say yes just because it makes you feel comfortable. Don’t be fooled when asked if you want to complete a transaction using your home currency. Using the local currency can save you money, making your next trip abroad less costly.<!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: http://theconversation.com/republishing-guidelines --></p> <p><em>Written by <span>Jay L. Zagorsky, Adjunct associate professor, Boston University</span>. Republished with permission of <span><a href="https://theconversation.com/save-money-when-traveling-abroad-by-thinking-like-an-economist-100860">The Conversation</a></span>. </em></p>

International Travel

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5 reasons to consider volunteering abroad

<p>As compelling as those Bold and the Beautiful reruns are, there comes a time where you have to ask yourself, “Is this really what I imagined my retirement to look like?” An increasing number of people are using the extra time they gain in retirement as an opportunity to give back to the world. We’ve taken a look at the reasons why you should consider volunteering overseas in retirement.</p> <p>Judith Brodie, Voluntary Service Overseas UK director, told The Guardian, “The needs of the developing countries we are working in have changed over the 50 years since we started. They now require volunteers that have got more experience and higher levels of professional skills and that's then reflected in the age and experience that we seek in the volunteers that we recruit. This has coincided with an increase in the number of retirees that don't want to put their feet up ... when they retire and are looking for something quite different as they approach retirement.”</p> <p><strong>1. Experience a different culture</strong></p> <p>There’s nothing like getting out of your comfort zone and experiencing a new culture. Volunteering lets you get in from the ground floor and experience a different culture by actually living in it. If you’re looking for an authentic way to experience part of the world you can’t do much better.</p> <p><strong>2. Meet likeminded new people</strong></p> <p>One of the hardest things to do as you start to get older is meet new people, which is a shame because there are a lot of people out there and you owe it to yourself to meet as many of them as possible. Joining volunteering programs will have you on the front lines with such people.</p> <p><strong>3. Get out of your comfort zone</strong></p> <p>There’s nothing about “Bold and the Beautiful” re-runs that is getting you out of your comfort zone, and there’s never been a better time than retirement to be actively performing pursuits that improve yourself. Get out of your comfort zone with an international volunteering program.</p> <p><strong>4. Help different parts of the world</strong></p> <p>The reason a lot of these volunteering programs exist is because they have to. Unfortunately many parts of the world remain impoverished and in urgent need of assistance. By joining one of these programs you can make an active difference in the lives of those who need it most.</p> <p><strong>5. A different type of travel experience</strong></p> <p>The experience you get out of volunteering overseas is completely different to any other type of travel experience you can think of. And while it may not be as luxurious as other types of travel experiences, you will definitely end your trip with a sense of fulfilment and achievement.</p> <p><strong>Related Links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/09/how-to-make-money-after-retirement/">3 great ways to make money after you retire</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/09/calculate-money-for-retirement/">How to calculate the bank balance you’ll need to retire</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="/finance/retirement-income/2015/10/what-is-life-cycle-super/">What is a life-cycle super product? And do you need one?</a></strong></em></span></p> <p> </p>

Retirement Income

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10 things you’ll learn after living abroad

<p>It's harder than you expect. When you have dreams of living in another country, you only think about the good stuff: the immersion in a rich culture, the new friends, the freedom of being in a place where no one knows your name.</p> <p>But that's not the half of living overseas. What you don't picture is the hardship, the tangles with officialdom, the occasional loneliness, the battles with language, and thoughts of home.</p> <p>Still, it's one of the best experiences you could ever have, and one that takes travelling to a whole new level. It also teaches you a thing or two.</p> <p><strong>1. Everyone thinks they come from the best country in the world</strong></p> <p>It's no secret that everyone thinks they come from the best country in the entire world (don't worry, they'll tell you when they're travelling). Italians, Swedes, Mexicans, Brazilians – you name it. National pride isn't something we can patent.</p> <p><strong>2. You're tougher than you think</strong></p> <p>So there you are in a foreign city, far from home, with no friends, no job, no apartment, no idea how anything works, and a bank balance that's swiftly dwindling towards nothing because you're frittering away your savings on comfort food and misery booze. Do you throw in the towel and go home? Slink back to your parents' house and reapply for your old job? No, you don't. You battle it out. You fight for your place in this new city, this new country. You make friends eventually; you get a job, you find a place to live, and you suddenly feel confident that Frank Sinatra was right: if you can make there, you'll make it anywhere.</p> <p><strong>3. Bureaucracy is a nightmare</strong></p> <p>Ever tried to open a bank account overseas? Ever tried to get a social security number, or a visa extension, or a lease signed, or a phone connected, or electricity set up, or complete any one of about a million little chores that will bring you into contact with the governmental and commercial institutions of the country you now call home? If so, you'll share a pathological hatred for bureaucracy, as you line up for the hundredth time at a shopfront in the middle of nowhere to do a job that should really have taken about 30 seconds over the phone.</p> <p><strong>4. Aussies are just Kiwis with funny accents</strong></p> <p>I know, I know, we like to think we're different, that we have a rivalry, that we have different ideas and different cultures. But when you're living overseas, none of that matters. Aussies and Kiwis share so many cultural touchstones that you'll forget you even come from separate countries. In fact there will come a time when you won't even be able to spot the difference in the accent. That's frightening.</p> <p><strong>5. You'll never be a local</strong></p> <p>This will come as a surprise, but unless you live in a foreign country for 10, 15, or maybe even 20 years, you'll never feel like a local. Particularly if you aren't fluent in the language. You'll never really know what's happening around you. You'll never understand the cultural nuances. There will be protests or demonstrations on the street you live in, and you'll have no idea what they're about. There will be celebrations, elections, disasters, and you'll never really be part of them. As an expat, you'll always be something of an outsider.</p> <p><strong>6. Australia is awesome</strong></p> <p>After a long period living in another country, there are certain things you're certain to crave about home. Like the friendly customer service – the fact people smile and say hello to you when you walk into a store. Actually, the fact that almost everyone smiles and says hello to you. Or the fact that you know how everything works in here, and you know where to find it. Or that there are people who pack your bags for you at the supermarket. Or the familiar conversations about sports teams and government officials. Or maybe you'll just miss the weather.</p> <p><strong>7. Tube Vegemite is different to jar Vegemite</strong></p> <p>It just doesn't last as long. Maybe it's a different recipe, or it's just the way it's packed. Whatever – Vegemite in a tube will go mouldy, so there's no point stashing it for special occasions. Just eat the stuff.</p> <p><strong>8. Expats are awesome</strong></p> <p>Need a shoulder to cry on? Need a partner to drink with? Need a group of people who will instantly become the best friends you ever had in the entire world? Then you need to find yourself some expats. It may be great to mix with the locals of whichever country you're now inhabiting, to integrate entirely with the foreign set, but chances are your real besties will be the ones going through the same experience you're going through: fellow expats. And they'll probably be the friendliest, most fun bunch in town.</p> <p><strong>9. Tourists are annoying</strong></p> <p>As an expat, you immediately and subconsciously elevate yourself to something above the humble tourist. It's not long before you're walking the city streets you've claimed as your own for nigh on two weeks now, complaining about all of the blow-ins ruining the atmosphere, and how it'd be so much better if all the tourists just went back to where they came from.</p> <p><strong>10. Coming back is bittersweet</strong></p> <p>You'll come home with all of these amazing stories of life overseas, all of these hilarious anecdotes, all of these heart-rending tales of hardship, these tear-jerking moments of sadness, these uplifting stories of success, these grand ideas of how you can change Australia and make it just like the fantastic place you called home for all of those years… And you'll soon find out that no one back home cares. Trust me, it's easier to just go back to talking about the footy.</p> <p>Have you ever lived abroad? Tell us what you loved about it in the comments below.</p> <p><em>Written by Ben Groundwater. First appeared on <strong><a href="http://www.stuff.co.nz"><span style="text-decoration: underline;">Stuff.co.nz</span>.</a></strong></em></p> <p> </p> <p><strong>Related links:    </strong></p> <p><a href="http://www.oversixty.co.nz/news/news/2017/01/elvis-the-cranky-croc-celebrates-51st-birthday-with-death-roll/"><span style="text-decoration: underline;"><em><strong>Elvis the cranky croc celebrates 51st birthday with death roll</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/news/news/2017/01/croc-surprises-aussie-town-on-nye/"><span style="text-decoration: underline;"><em><strong>Croc gives Aussie town a wild New Year’s Eve surprise</strong></em></span></a></p> <p><a href="http://www.oversixty.co.nz/news/news/2016/07/northern-territory-family-crocodile-intruder/"><span style="text-decoration: underline;"><em><strong>Northern Territory family wakes up to crocodile intruder</strong></em></span></a></p>

International Travel

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5 tips to safely use ATMs abroad

<p>If you’re on a holiday and looking for euros, pounds, yen or even peso, using an ATM can be one of the quickest, most-convenient ways to access your cash. We’re going to take you through our top tip for using ATMs overseas, so you can be confident you will be securely accessing your money.</p> <p><strong>1. Know what you balance is and check it regularly</strong></p> <p>Sometimes people only realise they’ve been scammed when it’s far too late. It’s important to make sure you’re aware of your bank balance at all times, and monitor it regularly for suspicious activity.</p> <p><strong>2. Try to minimise the time you spend at an ATM</strong></p> <p>Lingering around ATMs can leave you open to scams and theft. Before approaching a foreign ATM, work out exactly how much money you want to withdraw and then spend as little time at the machine as possible – but also be sure not to rush and forget anything. If the machine is too confusing, find another one. Lingering too long at an ATM can potentially expose yourself as a tourist to scammers or thieves.</p> <p><strong>3. Avoid non-bank ATMs</strong></p> <p>Independent ATMs are not only more susceptible to fraudsters, they’re also likely to charge exorbitant fees for accessing your money. Try to avoid these non-bank ATMs wherever possible and only access your money from the major outlets.</p> <p><strong>4. Withdraw during bank hours near banks</strong></p> <p>Plan ahead and withdraw larger amounts of cash during day hours. Not only will the bank staff be working and on hand to assist you if anything goes wrong, you’re far less likely to be approached by assailants while you’re during daylight hours.</p> <p><strong>5. If something seems wrong, don’t panic</strong></p> <p>There could be any number of reasons why you can’t withdraw cash from a particular ATM, so if you’re having troubles don’t panic straight away. Sometimes the issue could be simpler than you think. Monitor your balance and try another ATM.</p> <p>Have you ever used an ATM overseas? Did you run into any problems, or was it a seamless process? What advice would you give? Share your thoughts in the comments.</p> <p><strong>Related links:</strong></p> <p><a href="/travel/travel-tips/2016/06/5-international-cities-you-should-never-visit-alone/"><strong><em><span style="text-decoration: underline;">5 international cities you should never visit alone</span></em></strong></a></p> <p><a href="/travel/travel-tips/2016/06/mastering-the-art-of-bartering/"><span style="text-decoration: underline;"><strong><em>Mastering the art of bartering</em></strong></span></a></p> <p><a href="/travel/travel-tips/2016/06/23-items-you-must-have-in-your-carry-on-luggage/"><span style="text-decoration: underline;"><em><strong>23 items you must have in your carry-on luggage</strong></em></span></a></p>

International Travel

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What not to wear when travelling abroad

<p>Every country has different expectations in terms of clothing. And it’s important to be mindful of these expectations when overseas.</p> <p>Whether your outfit is a minor fashion faux pas or potentially international-incident-causing garment, it’s better to avoid these problems altogether.</p> <p>Here’s what not to wear while travelling abroad. </p> <p><strong>1. Immodest clothing</strong></p> <p>Depending on where you’re going that cleavage-bearing neckline or grievously short pair of short shorts might be a risky option. In certain parts of the world travellers should stick to pants or long skirts and when in doubt sometimes it’s just best to stick to long sleeves.</p> <p><strong>2. Flashy jewellery</strong></p> <p>Expensive, flashy jewellery around might look nice on you but you always run the risk of having it become a part of someone else’s jewellery collection. Since there’s no real need to take your diamonds abroad, err on the side of caution and just leave them at home.</p> <p><strong>3. Clothing with religious imagery, curse words or national flags</strong></p> <p>We’re sure you don’t have too many examples of these clothes in your collection, but there’s no need to unintentionally spark a deep emotional debate while you’re on holiday. It might also be a good idea to leave jewellery with religious imagery at home just to be on the safe side.</p> <p><strong>4. Shorts</strong></p> <p>Shorts seem synonymous with holidays, but in some cultures they just aren’t warn no matter what the season is. And it can be a pretty good way to identify yourself as a vulnerable tourist to people who are figuring out ways to scam you, so be wary.</p> <p><strong>5. Cameras</strong></p> <p>Of course this isn’t going to work for professional photographers, but nothing brings a smile to the face of a pickpocket like the site of a lost tourist with an expensive camera dangling languidly around their next. Secure you camera, take your photo then move on.</p> <p><strong>6. Colours</strong></p> <p>Different cultures appropriate different colours to their cultural events. In many parts of Asia white is the funereal colour, and you might want to stay away from wearing black or blue in Africa as these are the colours that attract a range of large, biting flies.</p> <p><strong>Related links:</strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/travel/international/2016/01/odd-and-amazing-toilets-from-around-the-world/">12 odd (but amazing) toilets from around the world</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/travel/international/2016/01/10-most-amazing-man-made-structures/">10 most amazing man-made structures</a></span></em></strong></p> <p><strong><em><span style="text-decoration: underline;"><a href="http://www.oversixty.co.nz/travel/international/2016/01/how-i-drove-a-motorhome-around-the-world/">When I retired I drove a motorhome around the world</a></span></em></strong></p>

Travel Tips

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How to safely use ATMs abroad

<p>The thought of a debit card being skimmed (or worse) eaten up by a foreign ATM is enough to send shivers down the spine of even the most carefree traveller.</p> <p>It’s never been easier to access money abroad, but doing this is not without its risks. We’ve put together a best practice guide for withdrawing cash from ATMs abroad.</p> <p>Follow our advice and you can access your funds without the mini-heart attacks.</p> <p><strong>Cover your pin code</strong></p> <p>This one goes without saying (and you should really be doing it when you withdraw cash at home). By covering your pin code as you enter it you protect your account from anyone who might be watching your transaction a little too closely.</p> <p><strong>Be mindful of your surroundings</strong></p> <p>Make sure you’re paying attention to the surroundings of the particular ATM you’re withdrawing from. Go with your gut, and if something feels a little bit amiss there’s every chance that’s because it actually is.</p> <p><strong>Withdraw during the day, close to a branch</strong></p> <p>Don’t take your chances when you’re taking cash out. By withdrawing during the day at an ATM that is close to a branch you can ensure that if something does go wrong (like a hungry, card-eating ATM) you can go inside for immediate assistance.</p> <p><strong>Be aware of your balance</strong></p> <p>Sometimes your card might’ve been skimmed and you might not even know it. By being aware of your balance and checking it regularly you can know straight away if a few hundred dollars here or there has gone missing and you need assistance.</p> <p><strong>Additional tips</strong></p> <ul> <li>Notify your bank/card provider before you travel. They can track your funds.</li> <li>Try to lock in a foreign currency when the exchange rate is strong.</li> <li>Carry multiple cards in different parts of your luggage to avoid pickpockets.</li> <li>Inform your bank/insurer as soon as you notice something wrong.</li> </ul> <p><strong><em>No matter where you’re travelling to, making sure you know how to access your cash while away – and in the most affordable way – is very important. Easy to use and with countless benefits, the Over60 Cash Passport allows you to securely access your cash in the same way you use an ATM or credit card. <span style="text-decoration: underline;"><a href="/%20https:/oversixty.cashpassport.com.au">To apply for a card today, click here.</a></span></em></strong></p> <p><strong>Related links:</strong></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/7-iconic-public-transport-experiences/">7 of the world’s best iconic public transport experiences</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/top-10-amazing-festivals/">10 most amazing festivals in the world</a></strong></em></span></p> <p><span style="text-decoration: underline;"><em><strong><a href="http://www.oversixty.co.nz/travel/international-travel/2015/12/shibuya-pedestrian-crossing-japan/">The busiest pedestrian crossing in the world</a></strong></em></span></p>

Travel Tips