Who Deserves Your Loyalty?

Note the expiration dates of any debit or credit cards you plan on using while you're away. In Budapest, I tried to withdraw cash with my ATM card, only to find that it had expired just days before.

In areas where the majority of people don't speak English, head to an Internet café. In our experience, they're full of friendly young people anxious to practice their English.

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.

Batteries for cameras, laptops, cell phones, and other devices can be charged at night in your hotel room. But if you're doing a lot of driving, you might want to buy an inverter to charge them while on the road. Inverters (which plug into the car's cigarette lighter) are small, inexpensive, and can be purchased at auto-supply, variety, or electronics stores.

In order to keep track of my bags, I use a small metal bell--the kind dancers from India wear on their ankles. I thread it with fishing line and tie it to my carry-on. If anyone touches my bag after I set it down, the bell chimes. It's not a very obtrusive sound, but it's distinctive enough for me to notice if a thief is trying to get into my things. The same bell can be hung on the doorknob inside your hotel room.

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.

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.

In North American cities with large Chinese communities, choose a family-run Chinese restaurant and ask for the set family meals, usually written in Chinese. They are more authentic than those typically offered to tourists and people who are not Chinese—not to mention a better value. In San Francisco, for example, you can enjoy a five-course meal, which easily feeds a family of four, for less than $20.

If your vacation spot is a major port of call for cruise ships, plan excursions for the days that the ships aren't docked. Tours will be less crowded, and you'll get to see and do a lot more.

If you're divorced and plan to travel out of the country with your children, check the legal requirements in advance. When I tried to take my kids to Cancun, I learned too late that Mexico requires a notarized letter of consent signed by both parents for minors traveling alone or with one parent or guardian. If the parents are divorced, a copy of the parental custody agreement is allowed instead. The airlines enforce this rule before you get on the plane.

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.

Carry a Polaroid camera when traveling to developing countries. In Cambodia, several village children gathered around us, posed enthusiastically for pictures, and were fascinated by their images in our digital camera. We wanted to send them the pictures, but they were unable to tell us their address. Polaroids would have solved the problem!

When I called to book a hotel room in Budapest, I was offered a rate of $75 per night. After I told the concierge that I was looking for a room in the $35 range, he agreed to the lower price without much fuss. It sometimes pays to barter.

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.

Driving around Italy last summer, my husband and I found that even the most detailed maps left us scratching our heads in confusion. Desperate and lost, we decided to follow a tour bus. Guess what? It got us exactly where we wanted to go.

If you're traveling solo and want some company for dinner, try the sushi bar at a Japanese restaurant. It's a great place to meet locals. Plus, you'll receive extra attention and special recommendations from the chef.

Recycle the long plastic bags in which you receive your home-delivered newspapers. Slip your shoes into the bags before packing them in your suitcase.

Flight attendants often work vampire hours and have to sleep during the day. How do we keep the sunlight from leaking into our hotel rooms? We clip a skirt hanger (or two) to the middle of the drapes to seal them together.

Baby wipes aren't just for babies. Slip a travel-size pack into your carry-on bag and use the wipes to kill germs on public toilet seats and in phone booths. In a pinch, they can also remove stubborn stains from clothing.

If the zipper on your luggage or your clothing is giving you any trouble, rubbing some lip balm or candle wax onto the teeth should loosen it.

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.

Everyone knows that duct tape is great for helping out in travel emergencies, but no one wants to lug around a bulky roll of the stuff. By wrapping a few feet onto a pencil or ballpoint pen, you'll get a miniature roll that does not take up much in the way of additional space.

Before setting off on one of my many backpacking excursions, I head to Kinko's to rebind my guidebook. I replace the cover with a plain black or navy one. It costs about $6 and allows me to blend in much better while traveling. People see my new book as a journal, not a travel guide that labels me a tourist.

Pack a power strip and extension cord for your next cruise. Many cruise-ship cabins have only one out- let, but you'll definitely need more if you want to power up your laptop, iPod, cell phone, electric razor, hairdryer, or any other gadgets you bring on board.

Online check-in isn't just for airlines. After reserving an Alamo car over the Internet, I was offered online check-in just by entering my credit card number and driver's license information for approval. At the airport, following Alamo's instructions, I informed the shuttle-bus driver that I had checked in online and reserved an economy car. I was dropped off in the lot and told to pick whichever car I wanted. I drove it to the exit, where my credit card and driver's license were verified on the computer, and I was done.

I've discovered a wonderful way to enjoy massages at a fraction of the usual cost. Some massage-training schools provide superb service in a spa-type environment. Do a Google search to see if there are training programs near your next vacation destination.

Make your cabin homier by packing a small collapsible vase and a bouquet of flowers.

Attach a few carabiners--the kind of clips rock climbers use--to the top of your wheeled suitcase. Purses, cameras, and shopping bags can be clipped to your suitcase, giving your hands and shoulders a rest while you're walking around the airport.

If you're headed to a country that requires a visa, ask the consulate of that country, in the United States, whether visas are also issued at the airport there on arrival. In many cases (like Turkey and Egypt), they are. Obtaining the visa on arrival is a much simpler procedure and a real money-saver: You do not have to have photographs taken (they figure your passport already has a photo), you do not pay a hefty fee to the U.S.-situated consulate of the country, you avoid the expense and risk of mailing your passport to that consulate in advance of departure, and you avoid the expense of using a visa-acquiring company in the United States. But be sure the consulate is correct that the visa can easily be obtained on arrival.

Check out worldclimate.com to find monthly average temperatures and rainfall for thousands of cities worldwide. You can avoid countries during their rainy seasons, and the information is useful for figuring out what to pack.