Exchanging Money

Tip #1: Always use your credit card with NO foreign transaction fee to get the best exchange rate available.

I've found "Capital One" to be one of the best travel cards without an annual fee.

Most developed nations accept credit cards such as Canada, U.S.A., Europe, Scandanavia and so forth. There are always exceptions to the rule so it is a good idea to have some cash on hand when you run into those "cash only" places. Many *South East Asia locations will favor cash and you will find that it is more expensive to use your credit card since the locations that accept them tend to be corporatized (westernized). While some of my friends prefer eating at "Chili's" or "Tony Roma's", I prefer to seek out local restaurants and vendors.

CAMBODIA unofficial currency is the U.S. dollar.

CANADA's best currency exchange can be found in places like T&T supermarket (Calgary, Alberta)

Tip #2: Avoid airport currency exchange booths and large banks when possible.

I have found that most airport currency exchange booths give you a poor exchange rate so it is best to get the minimal amount of cash you will need your first day. I usually limit the amount to the US equivalent of $40.00 to $100.00 depending on where I am visiting. Search the internet for your specific destination and you'll often find chat boards with good advice. Understand that things change and older posts may not be as accurate.

Tip #3: Use your ATM card to withdraw cash.

Another great way to get the best exchange rate is to use your ATM card. The only downside is that you may have a transaction charge from both the ATM and your bank. Sometimes you will find it hard to find a nearby ATM or a surprise holiday will limit your choices so be prepared

Book a place with a Kitchen!

Tip #1. Book an apartment or condo through AirBnB, Expedia or your favorite travel site that includes a "stocked" kitchen.

This can save you hundreds of dollars (or more) in food costs by enjoying meals at your location! "stocked" means the unit has oven or stovetop, grill, microwave, utensils, pots & pans.

Tip #2. Consider buying a"points-based" timeshare if you plan on traveling a lot and want to explore different places.

My wife and I initially bought a "week" through "Worldmark by Wyndham" (orginally Trendwest) and later upgraded to two weeks per year. We have travelled to many destinations each year since our purchase around the year 2000. I have used it for my DJ business when working in Las Vegas, Santa Barbara or San Diego and we have traveled as a family to beautiful spots throughout California, Oregon, Washington, Colorado, Arizona, Wyoming (Yellowstone), New Mexico, Utah, West Virginia, Florida, Mexico and Canada. We have exchanged weeks for St. Marteen, Spain, Scotland and Ireland. The two weeks will be passed on to Matt and Luke since the two weeks do not expire as long as maintenance fees are paid annually.