Trip Coach: September 19, 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.

Scuba-diving vacations can get expensive. As I start planning a trip, I call one of the local PADI dive shops and ask the employees about accommodations nearby. They give me hotel connections I couldn't find on my own, and I often save enough to pay for my dives.

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.

If you visit a country where you don't speak the language, pick up a book of your hotel's matches or one of its business cards; they usually have the hotel's name and address printed on them. Then when you're out sightseeing and want to return to your hotel, show the matchbook or card to the cabdriver if he doesn't speak English.

A shoe organizer hung over the bathroom door is my solution for hotel-room clutter. The compartments are perfect for stashing everything from room keys and travel documents to toiletries and, of course, shoes. The extra storage space came in especially handy on a recent cruise, when we needed all the room we could get in our tiny cabin.

Preserve even the small number of frequent-flier miles you may obtain by making occasional use of a particular carrier; the miles can be worth money. Even if you don't regularly fly on Delta, Northwest, Continental, or several other airlines, sign up for their frequent-flier programs when you book a long or overseas flight. Points.com allows you to redeem miles for magazine subscriptions, music downloads, and other products. You can also use miles to get small discounts on purchases at retailers such as Amazon.com.

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.

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.

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.

By the time I got home from my first trip to Europe in 1963, I'd collected menus from several restaurants I liked. I threw them into a box. In 1988, I returned to Europe and went to the Middle East. Once again, I picked up a few menus. This time I had them all framed and they now hang in my kitchen. Since then, I've added to the collection. It's fun looking at the prices and remembering the good times—plus they make great conversation pieces when I have a party.

Anyone tired of the same boring postcards that are found at every roadside tourist trap should try shopping for vintage postcards at an antiques shop. They're a great addition to any photo album, as they often show what the local attractions looked like prior to development.

A beach ball can replace many expensive in-flight gadgets. Depending on how much you inflate it, the ball can function as a very comfortable footrest, a back support, or a lap pillow to support your book.

We decided to take our bikes on our last Caribbean cruise. It was a little crowded in the cabin, so the steward let us store them down the hall with the wheelchairs. We were last off the ship when we docked in Bermuda, but after five minutes we'd left our fellow passengers in the dust. And in less than fifteen minutes, we were far away from the busy port, enjoying a beautiful, deserted snorkeling beach.

Don't settle for the first answer to your travel question. If you need flight information, it's a good idea to phone the airline more than once and ask the same question. Recently, I wanted to see if I could fly standby on an earlier flight the same day. The first time I called, I was told that the earlier flight was booked. The second time, however, an agent said there were in fact seats available, and I could certainly fly standby. In the end, not only was I able to get on the flight, but I was upgraded to first class.

Tired of catching colds while traveling? Take along a travel-size package of Clorox wipes. Disinfect the tray table and armrests on the airplane, and the telephone and TV remote in your hotel room.

Booking condos last minute can yield incredible bargains, and there's a way to maximize savings while minimizing the risk that you won't find a room at all. ("Last minute" generally means a month or less before your stay; seven-day deals usually start on a Saturday.) Buy your plane ticket and book a refundable hotel room you can use in case you can't find that bargain condo. Then, a month or so before your trip, start looking at last-minute sites—lastminutetravel.com, site59.com, etc. If you find a deal, simply get a refund on the hotel room and pay the cancellation fee, if there happens to be one. Using this technique, I found a great beachfront, one-bedroom condo on Maui—and I saved about $300.

During a visit to Mexico City, I was sitting in a plaza near a fountain, watching the locals stroll around in their Sunday best. Nearby, an older gentleman was playing a concertina; his music perfectly framed the scene. I took lots of pictures, but I didn't have a way to capture that music. Now I pack a small tape recorder along with my camera.

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.

If you're planning to use an ATM abroad, make sure the money you need is in your checking account, because some foreign ATMs don't allow access to savings accounts. And remember to carry your bank's local phone number with you; 800 numbers generally don't work overseas.

It's unnecessary to make a packing list for each trip. Instead, draw up a master list with everything you might need on any given trip--from ski goggles to snorkels, slippers to saline solution. Save it on your computer. Before you start packing, cross out anything you don't need for that particular trip.

If you're a woman traveling alone, or your accommodations don't inspire confidence, simply wedge a small rubber doorstop at the base of the door when you're inside the room. It'll be virtually impossible to open the door from the outside.

I used to lug around a clothes steamer and adapter to stay wrinkle-free while on the road, but I've since opted for something more low-tech. I now travel with a Platypus collapsible bottle and a spray bottle head. After checking into my hotel, I immediately hang my clothes and give them a spritz with water from the spray bottle. After several hours, the wrinkles fall out, and the clothing is dry and ready to wear.

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.

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.

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.

We've noticed that when booking a flight for our family under one reservation, some airlines will only credit the 1,500 bonus miles (500 for booking online, 500 each way for printing boarding passes) to the person whose name the reservation is under. This is regardless of whether the other family members have mileage accounts. To avoid this, make a separate reservation for each of your family members and then pick seats together.

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.

Don't be afraid to go to a foreign pharmacy. I forgot to pack my prescription medication on a recent trip to France. When my problem acted up, I went to a local pharmacy. (Look for the green cross.) The pharmacist provided my medication without a prescription and at a fraction of what it would have cost in the United States. In fact, one could benefit by stocking up abroad on medications that would normally be acquired at home at a much higher price.

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.

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.