Travel activity is on the rise as more Americans are on the go this year and engaging in so-called “revenge travel” to make up for trips not taken during the pandemic lockdown. By all means enjoy these trips, but also remember to stay safe — and that includes keeping your money secure while you’re out and about.

While cards are a staple for financial transactions, there may be circumstances where it’s appropriate to carry actual cash as well. Here are some tips on how to keep your money safe while you enjoy your travels.

Stick to credit cards…

One way to stay financially safe while traveling is to use credit cards. They come with zero liability protection in case your card is stolen or compromised, as well as other consumer protections. For one, you can dispute fraudulent charges and billing issues. If you use debit cards, you will have fewer protections and could find yourself on the hook for losses (though you’ll still want to keep a debit card with you for withdrawing cash at ATMs).

Different credit cards offer various travel perks (such as free lounge access, lost luggage compensation and travel insurance), so it can be a good idea to take two or more cards that align with your needs. It’s also smart to have more than one card handy in case you lose one. Cards issued by the Visa and Mastercard networks tend to have wider global acceptance than those issued by American Express and Discover.

As a safety measure, make copies of your cards to store your card information for reference in case you lose your physical cards. Don’t rely on using a mobile wallet rather than your physical cards, in case you lose your phone while traveling.

…But hold some cash, just in case

Even though it’s safer to rely primarily on credit cards, it’s still a good idea to have some cash available as a backup — and not just because it’ll come in handy if your cards are stolen. Smaller restaurants and retailers might insist on cash, and you could need cash to pay for smaller transactions with street vendors. Also, if you’re somewhere off the beaten path, cash is likely to be a more readily accepted mode of payment.

You can pick up cash before traveling by exchanging your U.S. dollars for the currency of your destination, for a fee, at a bank or credit union. At your destination, you can also get local currency at an ATM or at the airport right after your arrival (though, if you have to use an ATM, take the time to find one in a safe location).

That said, when you do carry cash, keep it safe. Opt for a money belt you can wear around your stomach, which can help you store your cash in an inconspicuous manner.

Let your bank know you’re traveling

Before heading out on your travels, notify your bank of your travel plans — especially if you’ll be traveling abroad. That way, it will know not to decline transactions that seem suspicious. You can do this over the phone, by contacting a representative or online.

Keep in mind that banks often utilize fraud prevention measures that could be triggered if they see activity on your card account that isn’t in line with your typical spending patterns. Your issuer could then suspend your account while contacting you to verify the charge, potentially putting you in a tough position while traveling.

Since you don’t want to have a card transaction declined unexpectedly and be left without any means of paying for your purchase, keep your bank informed about your travel plans. Then, when it sees any charges you make while miles away from your homebase, there shouldn’t be an issue.

Set up account alerts

While notifying your bank of your plans, see if you can sign up for credit card account alerts at the same time. When you set up purchase alerts, you’ll get text, email or push notifications whenever your card is used. Then, if your card is somehow compromised and someone uses it for an unauthorized transaction, you’ll know about it in time to take action.

If you get a notification about a transaction you don’t recognize, immediately notify your issuer so that it can look into the matter and freeze the card if necessary.

Freezing your credit may also be a good idea, so that no one can fraudulently open credit card accounts in your name while traveling. If needed, all three credit bureaus — Experian, Equifax and TransUnion — allow you to briefly thaw your credit freezes in order to apply for credit. Once the thaw period expires, your credit will be re-frozen, protecting you while you’re away.

Be on the lookout for scammers

Tourists on vacation can be an easy target for scammers, which is why it’s important to be watchful of your belongings and cash.

One popular scam is credit card skimming. This is common at gas stations and other places that have ATMs, as ATMs can be set up to capture your card information and enable scammers to use it for fraudulent transactions.

To protect yourself, prevent people nearby from seeing your personal identification number (PIN) when you enter it at the ATM. Further, don’t give your passport or credit cards as a security deposit to tour operators or others, and avoid overindulging at local bars. Doing so can cause your judgment to be compromised, allowing unscrupulous people to take advantage of you.

Pickpockets also present a hazard to unsuspecting tourists. Based on tourist reviews, popular tourist spots such as Barcelona, Paris and Rome tend to attract pickpockets looking to prey on tourists, so be careful in these types of destinations. Pickpockets may operate alone or in a team, with one person distracting you while their partner looks to take your wallet.

Be watchful when shopping with street vendors too, as they could compromise your credit card or give you incorrect change. And while most merchants are reputable, some may well team up with pickpockets and distract you while their partners ply their trade on you.

Consider getting travel insurance

You may also be wondering if travel insurance is worth it. This sort of insurance offers protection against medical emergencies, trip cancellations and lost baggage.

However, note that a number of credit cards also come with travel insurance benefits that protect you from the fallouts of canceled flights (including a potential hotel stay) or lost baggage, assuming you use the card to book your travel. Medical expenses that your health insurance won’t pick up could also be covered by your credit card’s travel insurance.

If you’re on an extended international trip, though, it may be a good idea to take out a separate travel insurance policy. These types of policies are available on a one-off or annual basis, and they can be used to cover any shortfalls between your card’s travel insurance and your medical insurance. Take the time to evaluate any travel insurance or card benefits you already have access to before deciding whether a standalone policy will be worthwhile.

What to do if you’re robbed abroad

As a tourist, you may be vulnerable to being robbed. Be especially careful when you’re in a crowded area, as pickpockets could sense an opportunity to take advantage of you. That said, it may not even be a physical assault that you fall victim to. You could have your card information or other sensitive personal information stolen if you use unsecured public wi-fi, use an ATM with a card skimmer or lose your cards.

To minimize the impact of an attack, don’t carry more cash than you anticipate needing for the day. Also, be careful with your mobile phone, as it contains a lot of information about you, potentially including your credit card and bank information.

In case you do end up getting robbed, immediately contact the local police station and file a report. You should also get a copy of this report for when you file an insurance claim. If your credit card is stolen, get in touch with your bank — and if it’s your passport that thieves get away with, get in touch with the nearest U.S. embassy ASAP.

If your credit card information or other personal information is compromised, it’s also a good idea to keep a watch on your credit report (assuming it hasn’t already been frozen). That way, you’ll know right away if a fraudster takes out credit in your name.

Traveling abroad offers a plethora of incredible experiences, and capturing those moments through photography allows you to relive them long after you return home.

Whether you’re an amateur, a hobbyist, or a seasoned photographer, mastering the art of travel photography can significantly enhance your travel memories. These four valuable tips can help you take the best photos on your next trip abroad.

1. Look Into Luggage Storage

As a travel photographer, one of the challenges you may encounter is the burden of carrying heavy camera gear and equipment while exploring a new destination. Thankfully, luggage storage services, also called “left luggage,” are increasingly popular and can be a lifesaver for photographers seeking convenience and peace of mind.

Luggage storage facilities offer a secure and reliable solution to temporarily store your bags, allowing you to roam freely and capture the best shots without the added weight and worry. These services are particularly useful when you have a long layover, want to explore a city before checking into your accommodation, or simply need a safe place to keep your belongings while you focus on photography.

One prime example of a renowned luggage storage service is available at Victoria Station in London, United Kingdom. Victoria Station is a major transportation hub and a gateway to many popular tourist attractions in the city. Here, you’ll find reputable Victoria Station left luggage providers that offer a range of options to suit your needs.

2. Research and Plan Ahead

Before embarking on your journey, conducting thorough research about your destination is essential. Look for iconic landmarks, local customs, and unique features that can inspire your photography. Familiarize yourself with the cultural norms and etiquette of the country you’re visiting, as this will guide your approach to photographing people and places.

Additionally, studying the weather conditions and the best times of day for optimal lighting can greatly impact the quality of your photos. Golden hours, which occur during sunrise and sunset, offer soft, warm lighting that can beautifully enhance your subjects. By planning ahead, you’ll have a clear vision of the shots you want to capture and be prepared to seize the moment when it presents itself.

3. Connect With the Locals

One of the best ways to capture the essence of a foreign land is by interacting with its people. Engaging with locals allows you to understand their culture better and opens doors to unique photographic opportunities. Strike up conversations, learn a few basic phrases in the local language, and respect people’s boundaries.

Approaching locals genuinely interested in their lives and customs can lead to captivating portraits and candid shots. Remember to ask for permission before photographing someone, especially in countries with high cultural sensitivities. Building a connection with your subjects will result in stunning photographs, create meaningful memories, and foster cross-cultural understanding.

4. Experiment With Perspectives and Composition

Don’t be afraid to experiment with different perspectives and compositions to create visually striking images. While relying on standard tourist shots is tempting, challenge yourself to think outside the box, get creative, and capture unique angles that showcase your destination’s beauty.

Consider incorporating leading lines, such as roads or architectural elements, to draw the viewer’s attention toward the main subject. Experiment with different depths of field to create a sense of depth or focus solely on a specific detail that captures the spirit of the place. Play with symmetry, patterns, and framing to add interest and impact to your photographs.

Remember to give thought to the rule of thirds—an essential principle of composition. Mentally divide your frame into a grid of nine equal parts, and position your main subject along one of the lines or at an intersection point. This technique creates a more balanced and visually appealing composition.

5. Capture Authentic Moments

While capturing the iconic landmarks and popular tourist spots is essential, don’t forget to document the authentic moments that unfold around you. Step away from the crowds and venture into local neighborhoods, bustling markets, or serene landscapes. These hidden gems often provide an unfiltered representation of the destination’s culture and way of life.

Photograph local cuisine, street art, traditional festivals, or everyday activities that showcase the unique character of the place. Seek out candid moments where people are engaged in their natural environment, capturing genuine emotions and interactions.

Remember to be present in the moment and strike a balance between experiencing the destination firsthand and capturing it through your lens. While photography is an incredible tool for documentation, don’t let it hinder your ability to immerse yourself in the travel experience fully.

Capture Your Trip Forever

These tips will enhance your skills as a travel photographer and ensure you capture the best photos on your next trip abroad. Remember, photography is about capturing images and telling a story, preserving memories, and sharing your unique perspective with the world.

So, pack your camera, embrace new experiences, and let your creativity soar as you embark on your next adventure. Happy shooting!

Here are 10 hassle-free tips to travel with a baby.

Travelling with a baby can be a challenging yet rewarding experience for parents. Whether you’re embarking on a long-awaited vacation or visiting family and friends, proper preparation and planning can make the journey smoother for both you and your little one.

Here are 10 essential tips to ensure a successful and enjoyable trip when travelling with a baby:

1. PLAN AHEAD

Planning is critical when travelling with a baby. Research your destination, accommodations, and transportation options well in advance.

Make a checklist of items you’ll need, including diapers, wipes, clothing, feeding supplies, and any special comfort items your baby relies on.

2. CHOOSE THE RIGHT TIME TO TRAVEL

Consider your baby’s schedule when selecting travel dates. Aim for times when your baby is well-rested and generally in a good mood. Avoid peak travel times to minimise stress and crowds.

3. PACK WISELY

Efficient packing is crucial. Pack enough essentials for the trip, but avoid overpacking. Pack baby clothes in separate bags for easy access, and bring a few extra outfits in case of spills or accidents.

Don’t forget to pack medication, baby-friendly toiletries, and any favourite toys or comfort items.

4. BE MINDFUL OF ACCOMMODATIONS

Choose accommodations that cater to families with babies. Many hotels and rental properties offer amenities such as cribs, high chairs, and baby-proofing supplies.

Call ahead to confirm these amenities are available and make arrangements if needed.

5. CONSIDER TRANSPORTATION OPTIONS

Whether you’re travelling by car, plane, train, or other means, plan for your baby’s comfort during the journey.

If flying, check the airline’s policies regarding baby gear, seating, and onboard supplies. If driving, schedule breaks for diaper changes, feeding, and stretching.

6. BE PREPARED FOR SECURITY CHECKS

If you’re flying, be prepared for security checks with a baby. Pack baby food, breast milk, and formula in easily accessible bags.

7. MAINTAIN A ROUTINE

While it’s challenging to stick to your baby’s usual routine while travelling, try to maintain some semblance of it.

Stick to regular feeding times and naptimes as much as possible to help your baby feel secure and comfortable in a new environment.

8. BRING ENTERTAINMENT

Travelling can be overwhelming for babies, so having familiar toys, books, or interactive games can provide comfort and entertainment during the journey.

Pack a few options to keep your baby engaged during downtime.

9. BE PATIENT AND FLEXIBLE

Travelling with a baby requires flexibility. Things might not go exactly as planned, and your baby’s needs might change suddenly. Stay patient and adapt to the situation.

Remember that the journey is an adventure in itself.

10. PRIORITISE SAFETY

Above all, prioritise your baby’s safety. Use a properly installed car seat when travelling by car, and ensure your baby’s sleeping environment is safe.

Baby-proof accommodations as needed to prevent accidents, and always keep an eye on your little one, especially in unfamiliar settings.

Going on vacation can boost mental health, increase physical activity, create social connections, and provide relaxation and fun. Whether you’re traveling to see loved ones or heading off to your dream destination, a vacation also offers a perfect opportunity to see and do new things.

Planning as far in advance of your departure as possible is a good idea. Follow these senior travel tips to prepare for your adventure, stay safe, and reduce stress.

Pick a Meaningful Destination

You deserve a chance to kick back, relax, and have a good time in your golden years. Cost is a factor for any vacation. But if you’ve always wanted to go to Yosemite National Park or the Eiffel Tower, go for it (if your finances allow). Wherever you decide, go somewhere that sparks joy.

Research Accessibility

If you have physical limitations, ask any accessibility-related travel questions before booking a trip. For instance, can you take a power scooter on a plane? Is a ground-floor-accessible hotel room available? Do tourist spots have accessible entrances, seating, and restrooms?

Researching and getting these answers in advance is better than facing unforeseen accessibility issues during your trip. Websites like Accessible Travel Solutions offer accessible travel suggestions.

Book an Aisle Seat on Your Flight

When you book a flight, choose an aisle seat. Aisle seats give you more room to stretch and easier access to the restroom. For smoother travel, book a direct flight. Ask for mobility assistance if you need help getting to and from the gate, airport restroom, or to your connecting flight.

More flying tips include:

• Get to the airport early to allow extra time for security checks, checking luggage, mobility pre-boards, and using the restroom.
• To stay hydrated, drink water instead of alcohol.
• Always carry your medication in a carry-on bag. That way, if your checked bags get lost, you won’t miss a dose or need to replace medication.
• Print your travel documents and itinerary and share them with people you are visiting so they know when to expect you.
• Wear compression socks during long flights. The tightly-fitting stockings “gently squeeze your legs in a way that helps promote blood flow from the legs back toward the heart,” according to the Mayo Clinic. This helps prevent ulcers and blood clots.

Pack Lightly and Ask for Help with Your Bags

Pack lightly. Overpacking leads to a heavy suitcase. If you have physical restrictions, ask airport, train, or bus personnel for help with your bags if you need it.

Make a Packing Checklist and Follow It

Make a packing checklist and check off essential items as you add them to your luggage. Packing your medication is a top priority. Be sure to bring all your medicine with you. Getting a prescription filled out of town might be tricky. Also, bring reading glasses, hearing aid batteries, and other essential medical or mobility aids.

Wear Comfortable Shoes and Clothes, Use Sunscreen, and Sanitizer

Sightseeing often requires a lot of walking or moving about. Wear comfortable shoes and clothes to protect yourself from blisters and general discomfort. Also, use a high SPF sunscreen to prevent harmful UV ray exposure outdoors and use hand sanitizer frequently to stave off germs.

Notify Banks You’re Traveling and Watch Valuables

Call your credit card companies and banks to advise them you are traveling. This prevents them from suspecting fraud and declining out-of-town charges. Also, keep valuables at home or lock them in a hotel safe. Carry credit cards and cash tight to your body in a fanny pack or money belt.

Don’t Post Your Trip on Social Media

It’s fun to share trip photos on social media. But don’t do it until you get back home. You don’t want to alert people that your house is empty and lure break-ins.

Ask for Senior Discounts

Saving money is always nice. Some airlines, tour companies, hotels, museums, and restaurants offer senior discounts. Always ask before booking a flight, hotel room, or tour excursion. Also, ask local museums, theaters, and restaurants if they offer special senior rates.

Travel Off Season

If you’re on a budget, traveling in the off-season is another way to save money. Plus, it helps you avoid large tourist crowds, long lines, and excessive heat. For instance, if you’ve always wanted to go to Hawaii and are looking for off-season travel opportunities, rates are lower, and the islands are less crowded in spring (mid-April to early June) and fall (September to mid-December), according to Frommers.

Pace Yourself

Above all, don’t overdo it. Pace yourself and schedule downtime. The last thing you want is to injure yourself or wear yourself out on vacation. Also, discuss activity restrictions with your doctor ahead of travel.

Following these senior travel tips will help you have a safe and enjoyable vacation.