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119

I think the current usual solution is to get a debit card (or failing that a credit card) with low/no foreign transaction and cash withdrawal fees. (In the UK, the Halifax Clarity Card is the best for this at the moment) Then, when you get to the country, take out cash periodically. Not too much in case of issues, but don't assume you can do it too often as ...


102

Before you leave, call your bank. You'll want to alert them that you'll be using your credit or debit cards overseas, so as not to trigger fraud alerts. Then ask them if there is a network in your destination that involves lower fees. For example, my bank gave me names of specific banks in England, Italy, and Germany and told me that if I used ATMs at those ...


89

I'm very sad to say that this has all the signs of a classic romance scam. How do you know this person? Have you ever met? We've seen several questions with the similar pattern. Here are some resources: The US Embassy in Russia on Internet Dating Scams. One of their scenarios ("The individual I’m writing to says that s/he needs $1,000.00 to show for "pocket"...


84

Use an app. Virtually everywhere these days has either Uber/ Lyft/ Grab/ Gojek/ Ola/ Didi/ Yandex/ Careem /local clone ride-sharing service, or an app put out by local taxi companies in an attempt to compete. In Istanbul, at time of writing Uber is in a weird not-quite-legal-or-illegal state, but BiTaksi seems to be the app of choice: http://www.bitaksi.com/...


82

It's a really bad idea, so much that I registered just to warn you (I live in Venezuela). When there was a severe shortage of cash the government blamed it on banknotes being extracted through the Colombian border for sale at a profit and "hoarding". Arrests were highly publicized, which additionally helped support the conspiracy theory of an "economic war" ...


80

There is no requirement to have €10,000 when you are in Europe. It sounds like someone is confusing two things: The requirement to have enough money to support yourself for the duration of your trip. This amount varies according to the duration of your trip, and according to the kinds of things you plan to do. The requirement to report cash if you are ...


75

I have haggled over the scarfs on the Jemaa el-Fnaa square in Marrakesh. The starting price was usually around 200DH and I was able to buy for 65DH. I was totally unexperienced back then but I made some observations: Wait to be invited by the shopkeeper. Pretend you are just passing by and stopping for a moment to look at the wares. Do not express interest ...


74

The US Department of State publishes recommended per diem ("per day") reimbursement rates for every major city. These are intended to enable fair reimbursement for travel expenses incurred by US federal employees transacting business on behalf of the US government. For instance an employee travelling to London will be entitled to claim 322 USD for lodging ...


70

The threshold can't be determined to a particular number, because so much of it depends on your facts and circumstances, and what you show (and tell) CBP. And it's worse than that. It casts shade on the purpose for your visit, risking a refusal. What I'm about to say is unfair. For many of our HNQ visitors, it's shocking that the 4th and 5th Amendments ...


65

It's the number one, with a left-hand stroke, and is not uncommon in European countries, including France. This from Wikipedia on Regional Handwriting Variation, (including the illustration): The numeral 1 — This numeral is sometimes written with a serif at the top extending downward and to the left. People in some parts of Europe extend this stroke ...


59

May I suggest before departing Japan, visit one of the Temples/Shrines. You can deposit your coins in the box just inside the grounds. The other thing you could do with them is to put them in a smallish envelope and hand to a homeless person. In Japan, it is customary to place money in an envelope before we give to someone.


58

It is perfectly normal to accept or reject the receipt if that is asked. It is slightly impolite to reject a receipt if it has been printed and handed out, since this slows the checkout line for everybody and since the sales clerk may not have a waste basket nearby. The shop is always required to keep records for tax purposes. Generally that means printing ...


56

Insurance is most useful for rare but severe losses. Frequent but minor losses should be self-insured (i.e. paid by you), for precisely the reasons you stated. If my home burns down, I don't care that insurers make money on homeowner's insurance. I can't afford a few hundred thousand dollars to replace my home and contents. No amount of saving behaviour ...


55

Thankfully your card hasn't been charged. Do not continue to deal with this service ONLY use the government site, NOTHING else. Not only are you likely to be charged much more; they may not even submit the application correctly, which could have devastating immigration-related legal consequences for you.


54

There are no rules that say a hotel has to refund money to already-booked patrons if they lower their prices. And you would certainly object if the hotel asked you for more money because 'prices had gone up since you booked'. Forcing hotels to refund money to customers with previous bookings would essentially mean they stopped reducing prices, because it ...


52

I don't personally think there are any ethical issues with taking change away. One good reason for doing so is to land with a little change next time you visit; I find it quite handy to have a couple of quarters in my pocket when I land in the US, just in case I need to make a small purchase from a vending machine, or a call from a payphone. Visitors to ...


52

I don't think it would be polite to give a bunch of them to cashier Foreigners always overthink "politeness" issues in Japan... Handling payments, in whatever (legal) form, is their job, they will dutifully do it without any issues. Just try not to do it during busy times, out of consideration for other customers waiting behind you. If you want to donate ...


51

At point-of-sale terminals, cheque and savings transactions are processed through the domestic EFTPOS debit card system. As far as I know they only accept locally issued debit cards. Credit transactions are processed through the relevant international card scheme (Visa, Mastercard, etc). Despite its name, they accept both debit and credit cards issued ...


50

They are valid, in the sense that they are legal tender accepted by the US Government, but any individual business anywhere in the world can decide whether or not to accept them or not. There is no guarantee anyone will accept your money. Some businesses may not accept $100 bills at all (in the United States, it's not uncommon for stores to only accept $20 ...


48

I use five strategies to pay for things when I travel: The best rates are often the rates you get with your American credit card or debit card. Try to charge as much as you can. The fees are very low and the exchange rates are fair. However, many American banks charge several dollars for every foreign currency transaction, so if you plan to spend a lot of ...


47

It would plainly be ridiculous to require all travelers to declare the small change in their pockets, yet allow undeclared paper money up to $10,000. What the second part tries to say is that all kinds of currency, whether coins or banknotes, and whether US issue or not, count towards the $10,000 threshold. (And if you do hit that threshold, then in ...


47

While you can go through the hassle of opening a US bank account, is there a reason you aren't just using your credit cards and a normal GBP bank account in the US? You'll want to check with your bank on what fees they charge, but most UK ATM cards and credit cards will simply work in the US. (Avoid using credit cards for ATM withdrawls, due to the high fees ...


46

It is indeed a (national) collector's coin. It is legal tender in the country where it was issued, but not elsewhere in the eurozone. Even in its country of origin, I could imagine that many people would be surprised to receive one or perhaps even refuse to believe that it is genuine. And looking at the photos you can find on the web, I must say that their ...


45

Technically no, practically speaking yes. Many of the coins look the same as US coins at a first glance, so careless clerks may accept them. I am in the US and often find myself with Canadian pennies and quarters which are very similar to the US counterparts. Having all the new coins in the US in recent years makes it even harder for people to tell the ...


45

I'm sorry to hear this, and hope you find a way to rebuild in Nigeria. The UK government has a scheme to help in just this situation: see https://www.gov.uk/return-home-voluntarily Even if you think you do not meet the criteria on the website, I strongly suggest getting in contact with them, as they likely have some degree of discretion. Buying you a plane ...


44

Technically the only note that is valid legal tender in England and Wales are England and Welsh bank notes: Are Scottish & Northern Ireland banknotes "legal tender"? In short ‘No’ these banknotes are not "legal tender"; furthermore, Bank of England banknotes are only legal tender in England and Wales. Legal tender has, however, a very narrow ...


44

I second the comment by B.Liu. Make really sure this is not a scam. I once used Western Union to send money to a relative abroad. They are still in business and so are several other providers. (Andrew mentioned Moneygram in his comment. I'm not suggesting a specific provider based on my limited transactions. Check their websites and FAQs.) Your friend ...


43

Yes, seriously, although the US$65 "royalty" is actually included in the US$200 "daily package fee". However, that's the group rate (3 or more people), you get socked another $40/30 per person if you're traveling solo/duo, and another $50/night/person if you're visiting when it's neither midwinter nor monsoon (March-May, Sep-Nov). Bhutan explicitly wants ...


43

The dollar sign derives from an abbreviation for the Spanish-American peso, the currency from which the US dollar itself derives. Many countries use this sign for their currencies. Any use of the sign without further specifying the currency is therefore ambiguous, which is why ISO currency codes exist. See https://en.wikipedia.org/wiki/Dollar_sign and ...


43

Is it acceptable / customary / expected / normal to walk into a random bank office and ask for such change? Is there a fee for the change? It is acceptable. Some banks may be more accommodating than others. I would expect smaller banks and those that emphasize customer service to be among the former. Larger commercial banks are more likely to be among ...


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