New York: Financial District

Love researching your destination online, but don't know how to organize all those printouts, maps, guidebooks, and tips? I get a 5 x 7" spiral notebook (Mead makes one with a sturdy cover and a pocket insert), a set of index tabs, and some glue. Divide the notebook into sections with the tabs (sights, maps, currency converter, restaurants, etc.). Photocopy—in reduction mode—all the info you want to bring, and glue it into the appropriate section. I leave plenty of pages for my journals. This creates an all-in-one personal guide that you can read again years after your trip!

Download the most up-to-date airline schedules from the individual airline Web sites to your PDA before you leave home. Should you encounter a delay or cancellation at the airport, you'll have all the information needed to find another flight quickly.

If you even manage to get a cell signal while at sea, your roaming charges will be outrageous. To communicate with your cabinmates, leave Post-it Notes on your door detailing where you'll be throughout the day.

Accidentally reformat your camera's memory card? As long as you don't overwrite the disk by shooting more photos, those original pictures are still there. Buy another card to use in the meantime, and then, when you get home, either purchase a file-recovery software program (about $35) or take the card to a camera shop and see if someone there can help.

I switch from street shoes to flannel-lined moccasins at the airport. It saves time at the security checkpoint, and I'm comfortable during the flight. Once I land, I switch back to my street shoes.

I take each of my grandchildren on a road trip the summer each turns twelve. The trips range in length from two weeks to a month and require careful packing. I've learned to put our clothes and any snack items we'll need in large plastic bins that fit in the back of my minivan. We each bring a small bag and pack it every evening with items we'll need for that night and the next day: no lugging heavy suitcases in and out of motels or hotels.

When you travel to a beach destination, bring your own snorkel gear. We bought snorkels, masks, and fins at home for half-off (at an end-of-summer sale) before a trip to Hawaii. They didn't take up much room in our luggage, and we would have spent as much or more renting the equipment.

I always bring a small flashlight to hotels in case there's a blackout. The building may not be equipped with emergency lighting, and, if necessary, my flashlight will help me quickly locate the nearest exit.

While traveling abroad, I've frequently encountered some appallingly bad (and often very funny) English translations of menus. In those cases, I simply offered to clean up the translations in exchange for a meal. This has worked quite a few times.

I was booking tickets online for an upcoming flight to Europe from the East Coast. One particularly attractive fare was offered on a U.S. airline as well as on its foreign "partner airline." Same plane, same flight, same base price. But it was more than $100 cheaper per ticket to book with the foreign airline versus the U.S.one. We saved more than $400 for four tickets, but we'll be on the same plane!

It's often cheaper to buy a ticket to London and then fly onward within Europe via a regional low cost airline. Last summer, my husband and I bought consolidator tickets to London for $397. From there, we flew EasyJet to Nice for $72. The total cost was $469—much less than flying directly to Nice, plus we enjoyed a stopover in London.

Public libraries in the ports of Alaska are a tremendous money-saver. Who wants to pay $5 a minute for Internet use from a cruise ship? During a port stop on a recent Alaska cruise, we found a city library that offered free Internet use for 15 to 30 minutes. Our only cost was a short wait in line.

Get the right maps. For road trips on the Continent, European maps are much more helpful when it comes to reading road signs. They'll say Napoli instead of Naples, Firenze rather than Florence. I could spend all day waiting for a road sign for Munich and miss the exit for Munchen.

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.

Quotetravelinsurance.com gives you comparable details on more than one hundred travel-insurance plans, enabling you to make the best buy. It relies on ratings from insurance industry overseers such as A.M. Best and state insurance commissioners before allowing an insurance company into its extensive lineup.

Play Let's Make a Deal when you're shopping for vacations at travel shows or expos. Go armed with your own research and a credit card.(You're likely to get a better price if you know what the vacation is worth, and if you're willing to buy it on the spot.) I picked two Caribbean cruises and headed to the New York Times Travel Show. After haggling with the competing cruise lines, I was offered the first cruise for $50 less than the best price I'd found online, and they threw in free trip insurance. In the end, I chose the second—$30 off with a free upgrade to a balcony stateroom—and truly got a bargain.

If you make a hotel reservation online and then cancel online, print out and save the cancellation confirmation for at least two billing cycles past your trip. After our vacation, I found a "no-show" charge on my credit card for a room that I'd canceled well in advance. Without the confirmation, I had no way to contest the bill.

Bring your own linens. They're useful in a million different ways. Obviously a soft cotton pillowcase makes those scratchy airplane pillows bearable, but it can also be used to gather loose items when deplaning. A nice sheet will cover up an ugly bedspread or sofa, and makes a great tablecloth or picnic blanket.

By starting a blog for each trip--at blogger.com, among others--you can keep your friends and family up-to-date on your adventures. All you need is an Internet café to add entries and photos while you're on the road.

It helps to have a calculator if you plan to do a lot of shopping in foreign markets. When you find something you like, hand the seller the calculator and ask him to enter his best price. It's easy to convert the response into dollars so you know what you're spending. If necessary, the calculator can be used to haggle, especially if you don't speak the language.

If you're traveling with someone, discuss a central meeting place in case you get separated. My husband and I were in Paris waiting to board the Metro. He was able to board the train, but I was left behind on the platform. Having a plan saved both time and needless anxiety.

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.

Instead of dropping my laundry off at the front desk, I take a walk around the block and look for the nearest dry cleaner--probably the same one the hotel would've taken it to. By cutting out the middle man, I pay a quarter of what they charge at the hotel!

Most cruise lines offer certain drinks for free--juice, lemonade, iced tea, coffee, milk, tea-but you'll have to pay for soda. If you're a caffeine addict, pack a bottle or two. Unlike on a plane, you won't have to worry about paying for the added weight.

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

Every summer, we drive out West from Pennsylvania with our two kids. To avoid that infamous road trip question ("Are we there yet?"), I give each child a map with our route highlighted on it. Along the way, they can match up the town names with road signs we pass, and that way, they always know exactly where we are and how much farther we have to go until we'll get there.

I was heading to the hotel ice machine when I noticed that our ice bucket was looking very tired and missing its disposable plastic liner. My solution: the shower cap that we never use anyway. In fact, it actually worked better than the liner bag because the elastic band held it in place around the top of the bucket.

I enjoy off-peak travel best--rates are cheaper, lines are shorter--but the weather can be iffy. To combat Mother Nature's unpredictability, I always pack a roll or two of black-and-white film. While dreary-day color photos bring only consoling remarks from friends, black-and-white film tends to lend a mystique to gray landscapes and creates some very dramatic Ansel Adams--esque shots.

I've found that by wedging a bath mat under my hotel-room door, I can reduce any light or noise coming from the hallway—ensuring that I'll sleep better.

Whenever I go somewhere, I bring a supply of postcards from my hometown. I write my name, address, and e-mail on the back, and offer a card to new friends so we can keep in touch. I also pack small souvenirs (key rings, etc.) that carry my local sports teams' logos. They make meaningful but inexpensive thank-you gifts for the small kindnesses that ease one's way during a trip.