Trip Coach: July 19, 2005

Disposable-camera lenses scratch just like any other lens would. Place a small piece of painter's tape (or another kind that won't stick too much) over the lens to protect it from contact with other items in your purse or backpack during travel.

When overseas, I carry a "cheat sheet" that includes exchange rates and metric conversions. Currency conversions are available at oanda.com.

If the porters haven't delivered your luggage to your door by the first night of the cruise, check what our experts call the "naughty room." Security will store any bags containing contraband (like candles, alcohol, or coffeemakers) in this centralized location until you come claim it. You'll be able to pick up your bag on the first night, but banned items will not be returned until the end of the trip.

Making international calls back to the States can be confusing if you're using a calling card and you're dialing a number by its catchphrase, such as CALL ATT. Obviously, many countries don't have the English alphabet on the telephone keypad. My solution? I create my own small keypads on a computer, print them out, and attach them inside my wallet, to my passport, and to my calling cards.

My friends and I contribute to a kitty and use that money to pay for group expenses such as taxis and meals. It saves us from having to figure out each person's share at every stop. At the end of the trip, we split what remains.

Before traveling overseas, look at your health insurance card. If it only shows an 800 or 888 number for precertification of hospital admissions, call that number and obtain the local number with an area code. Many 800 numbers can't be dialed from foreign countries. I learned this the hard way during an emergency hospital admission in Switzerland. The delay in reaching my carrier could have been avoided.

On a Northwest flight from Wichita to Cleveland, a piece of my luggage was delivered more than a day after I arrived. In the meantime, I had to buy some replacement items. Save your receipts! I turned in the receipts when I checked in for the return flight, and the ticket agent issued me a $50 check.(Northwest allows up to $50 in interim expenses for the first 24 hours, and $25 for each day afterward, with a maximum reimbursement of $150.)

Restrooms abroad rarely have hooks on stall doors. Our solution: Pack a small S hook in your shoulder bag and make use of a hole in the wall, a pipe, etc., to hang purses, jackets, or anything else you want to keep off the floor. S hooks can be found in most hardware stores, near the screws and bolts.

If I plan to travel to several countries that use different currencies, I pack a few cloth change purses: U.S. dollars go into one, British pounds in another, euros in a third, etc. When I'm sightseeing, I carry only the money I need; the purses that I'm not using are locked away in the hotel safe. I avoid fumbling around in shops and mixing up coins that look alike. Plus,I always know exactly how much cash I have.

Put your perfume and cologne bottles inside pairs of rolled-up socks to keep them cushioned during your journey.

To feed a family of four in a very expensive tropical location like Anguilla or Bermuda (or most other Caribbean locations, for that matter), check to see if your hotel has phone books and look up the local pizza place. Nine times out of ten the pizza purveyors will deliver for free. You'll end up spending no more than $20 on pizza, bread sticks, and soda.

Use the shoeshine mitt often found in hotel bath- rooms to store your sunglasses. They fit nicely inside the pouch, and when you take them out, you have a soft material to clean them with. For extra protection while traveling, I store my sunglasses inside the shoe-shine mitt, fold the end closed, and then place it in my glasses case.

Before leaving for a vacation, I print out all our reservations and directions, and I create a contact sheet for emergencies. Then I gather all the papers together, punch some holes, and place them in a folder that has a middle section for three–holed papers. The side pockets hold brochures, business cards, ticket stubs, receipts, and maps that we collect along the way and want to bring home for our scrapbook.

Pay close attention to those newsletters enclosed in your frequent-flier statements. They usually contain special offers and promotions that can earn you double or triple miles if you stay at a certain hotel or eat at a certain restaurant.

I work for a major airline and can attest to this tip for redirecting lost luggage. Place a copy of your itinerary--including contact info for where you're staying--inside your checked suitcase. If name and flight tags are missing, we'll still know where your bag needs to go.

To find the perfect destination with airfare that meets your budget, try Travelocity's Dream Maps travel tool (travelocity.com). Select a maximum fare and a type of destination (city, national park, etc.) and the Web site will display a variety of trips matching that description.

Certified scuba divers who take prescription medications should keep a doctor's permission-to-dive statement with their certification cards. On a recent trip to Jamaica, I truthfully completed a lengthy questionnaire about my health, revealing that I have medically controlled high blood pressure and cholesterol. I was told I could not dive without a doctor's OK, even though I exercise regularly, am very fit, and have no other health issues. I now carry a letter from my doctor attesting to my fitness for scuba diving.

If you arrive in a foreign city after banking hours (and you can't use an ATM), convert only the money you'll need for the night. Some exchange booths offer a less favorable rate after banks close and then switch back to competitive rates when banks reopen.

Many computer photo albums use camera date stamps to organize collections. Whenever you're traveling in a time zone that might affect the date stamp (if you're crossing the International Date Line, for example), remember to reset your camera's clock.

Need a place for a laptop in your hotel room? Take the largest drawer from the bureau and put it upside down on the bed with the drawer front away from you. This creates a perfect-height desk for while you're sitting comfortably on the bed (you can even lean back on pillows), plus there's side space for papers, and the top leans toward you for easy typing or writing.

When looking for the lowest airfare, I've found that in some cases the best rates pop up when searching for one traveler instead of two. Recently, I wanted to buy one-way tickets from New York to Orlando for two people and came up with $87 per person. But when I selected one traveler, the fare dropped to $72.

Before traveling to any city, do a search on the Internet of the city name and the word "coupon" ("New Orleans coupon"). You will find many sites offering two-for-one, percentage-off, and dollar-off discounts. On a recent trip to St.Louis, we saved $100 at restaurants and attractions.

Place a fabric softener sheet in your suitcase when packing. It'll absorb odors and dampness and keep clothing smelling fresh. It's most beneficial in warm, humid climates and while at sea. I found this quite useful during my twenty-three years in the U.S.Navy.

My husband and I create personal cards (like business cards) before we leave home. We put our name, address, phone, and email address on them, as well as a picture of us. How many people have gotten home from a trip, looked at a slip of paper with a name and address, and wondered, Who is this? The picture helps link a name to a face.

When renting a car, photograph any damage the car may have before leaving the rental agency; a digital camera records the date and time of each picture. On a recent trip to Argentina, I rented a car with extensive paint damage. When I returned the car, the agency attempted to blame me for the scratches. I showed them my photographs, and they rescinded their accusations.

Easily packable, local specialty foods make great gifts for family and friends at home. At the huge Safeway in Kihei, Maui, we found a great selection of chocolate-covered macadamia nuts and Kona coffee beans in elegant gift boxes for far cheaper than in tourist-oriented shops. European grocery stores abound with gift ideas: British teas, French mustards and vinegars, and Italian olive oils are just a few examples. Just bear in mind that meats, produce, and other fresh items are a customs no-no.

I travel with a mailing tube in my suitcase because I often buy paintings, drawings, and maps. My souvenirs always arrive home safe and sound. I just leave the mailing tube in my suitcase until the next trip.

Before traveling by taxi in foreign (or even domestic) locations, ask a local (perhaps stopping in shops to question the sales staff) what the approximate taxi fare would be to a particular location. They've always been pleased to help me. In this manner, I can avoid paying the inflated tourist rates!

When not taking pictures, keep your memory card away from your camera. It's a simple method to ensure that any photographs you've shot will be safe even if your camera is stolen. My husband and I learned this lesson the hard way when we lost 250 shots of Kauai.

If you plan to travel to a less-developed country, pack an extra suitcase with hand-me-downs of all sizes. Housekeepers and other resort workers make so little money that the clothes are greatly appreciated. On your way home, you can use that empty suitcase for souvenirs.