Trip Coach: July 11, 2006

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.

If your tablecloth is wet at dinner, you should prepare for rough seas. Restaurant staffers have been known to slightly dampen the tablecloth to keep plates and glasses from sliding.

If you plan to buy crafts in a country where bargaining is expected, use the time it takes for luggage to be unloaded to scope out the airport stores. Jot down items you like and their retail prices. If you find a similar item while touring the country, you have a top-end bargaining point. If you don't find the object at a better price, you can always pick it up at the airport while you're waiting for your flight home.

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.)

Whenever I'm in a country where drinking or brushing my teeth with the tap water is a risk, I cover the faucet handles in my hotel bathroom with a towel. As a result, I never accidentally turn on the faucet when I'm half asleep.

If you take an overnight flight to Europe and early check-in at your hotel isn't an option, ask the concierge if you can store your luggage until later in the day and use the hotel gym's shower. You'll be refreshed and ready for sightseeing. Pack toiletries and a change of clothes in your carry-on.

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.

If you get lost on a ship, remember that most share a common layout. The lido-deck buffet restaurant, for example, will almost always be in the back to accommodate comfortable outdoor seating in the least windy part of the ship, while the lounge/theater will be in the front because wind is not a factor (there are no windows).

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.

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!

When planning a vacation, we send away for brochures from major tour operators. They provide hotel and restaurant recommendations and sightseeing itineraries, which we then duplicate on our own. Use this trick to mimic the vacation packages of high-end tour operators for what can turn out to be a fraction of the cost.

A bike tour will offer a good introduction to a place, and you'll cover much more ground than if you were on foot. In Buenos Aires, for example, Lan & Kramer Bike Tours (biketours.com.ar) has a few guided itineraries that are fun for all ages and abilities.

My husband and I are retired, and we take two trips abroad each year. When unpacking, I put items we use repeatedly on each trip (flashlight, alarm clock, travel-size toiletries, etc.) into a box and keep it stored near the suitcases. No more searching or trying to remember if I've got everything for the next journey—it's all in one place.

Instead of packing a complete shaving kit, my husband fills his wide-mouth Nalgene water bottle with items such as razors, spare contact lenses, eyeglasses, toothbrush, and so on. This turned out to be particularly useful on our trip to Costa Rica, where we also took the bottle on our day hikes to volcanoes and the jungle.

Before you head to the airport, stop by the front desk of your hotel or cruise ship and ask if they'll print your boarding pass for you. It'll save Internet browsing fees and time at check-in. It's worked for me at several Marriott hotels and on a Celebrity cruise.

Bungee cords make versatile travel accessories. They come in handy at the airport for lashing a duffel bag to a wheeled suitcase. They can be hooked together and used as a clothesline for swimsuits, towels, etc. On skiing trips, hook them onto ski boots to create carrying handles. While camping, use them to secure tarps, to suspend a lantern from a nearby tree limb, or to secure items in a canoe. They even hold your pants up if you misplace your belt.

For fire-safety reasons, cabins don't have their own irons. Don't wait until the last minute to tackle your evening wardrobe. You can find shared irons down the hall in the laundry room, but lines often form before mealtimes. Opt for off-hours (like mornings).

If you can't sleep due to the heat in your non-air-conditioned hotel room, take a cold bottle of water and place it on your pillow, in the crook of your neck. It will cool your whole body down.

Avoid spills in your Dopp kit. Cut up plastic grocery bags into little squares and place them under the tops of toiletries to prevent leaks. Discard the squares upon arrival, but bring extras for the trip back.

Put toys within kids' reach on road trips. Hang a shoe organizer on the back of the passenger seat so children can keep stuffed animals, books, and games organized in the pockets. Having everything close at hand may help prevent meltdowns along the way.

After looking for years for the perfect toiletries bag and being frustrated by many that were less than ideal, I finally discovered one that is just right: a soft-sided lunch box I bought at the supermarket. It has an outer zipped pocket with small compartments and slots perfect for often-used items like a toothbrush and toothpaste. There's a small removable zipper pouch inside (meant for a small ice pack) for those smaller, hard-to-find items like nail files and pill bottles. The remaining space inside is just right for larger items like shampoo and hand lotion. Other helpful features include both a small handle and shoulder strap and a waterproof, easy-to-clean interior. As an elementary school teacher, I know firsthand that it'll last: It was designed to withstand daily use by kids!

Pick just two colors to mix and match throughout your trip. You'll cut down on luggage, not least because you won't have to bring a bunch of shoes to match a wide assortment of colors.

On my first trip to Cancun, I noticed that my hotel room had a damp, musty odor. The next time I went, I brought two plug-in air fresheners: one for the bedroom and one for the bathroom. This helped tremendously. It was a pleasure to walk in and have a fresh-smelling room. Just make sure you have an adapter, if you need one.

No longer do the many key chains I get as advertising languish in bureau drawers. I attach one or two at the ends of my luggage zippers. They make it easier to work the zippers and help me identify my luggage on airport carousels.

A padlocked zipper tells thieves there's something in your bag worth stealing, but a key ring is much less obvious. Just use it to latch together the zippers. Best of all, you'll never have to worry about forgetting your combination.

Paper place mats can be useful anywhere there's an outdoor shower. By stepping onto a place mat after a bush shower in Botswana, I managed to keep my feet clean and avoided getting dirt in my clothes.

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.

A simple but effective anti-pickpocketing measure is to fasten a safety pin across the opening of the pants pocket on the inside. Leave enough room to pull your wallet out with some effort, but not enough for a quick hand to lift it in a second or two.

I use an inexpensive, thumb-size USB flash drive to store medical and insurance contacts, confirmation codes, credit card numbers, addresses, and phone numbers. It fits in a secure zip pocket in my travel purse. If I don't have my laptop, I can insert the flash drive in most hotel or Internet café computers. Some USB flash drives password-protect your data, or you can download a free encryption program.

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.