Banking Problems while Traveling

Many times I travel from North America to Europe, there is a problem with any of my Bank cards, either my regular Debit Card or a major Credit Card. The problem being not, that they are stolen or compromised by some hackers, the problem is always with the Banks themselves and their method of contacting them when such emergencies arise. Over the past years this situation has worsened because of the changing and more complex security devices the Banks invent. There are two types of banking privileges that can be cancelled by a Bank while out of country: (a) Using the bank card to get cash out of a banking (ATM) machine, or for payments; (b) access to online banking. Both are important to have as a traveler while having to rely on a mobile phone. But the worst situation arises if there is no way to contact the Bank. Mostly for technical reasons, telephone services, expensive mobile phones (foreign SIM cards and providers), and the banking telephone system itself: Either offering an international toll-free number, or even worse offering clients a call collect number. On another occasion, years ago, when my bank card got cancelled, I called a “collect” number, got someone from my bank on the phone who told me: “we do not accept charges”.
I have two cards, my regular bank card (that works via ATM, international Interac and PLUS* displayed almost anywhere), but which I not use anymore because it got cancelled in Europe (security reason, because I had removed several times a few hundred €). And my Credit Card, most precious, because it can be used anywhere for paying anything even food and super markets, and cash advances via ATM. Two cards from two different banks, I have been client of for at least thirty years.
However, if using a credit card for all payments, then when the payment for the card is due, it needs to be paid using online banking. One cannot pay off a credit card with the same credit card. This time in Europe for three months both my bank cards got cancelled/or suspended: (1) Credit Card because I accessed my online banking with my iPad tablet, a device the bank did not recognize. At least I could connect easily with the Bank and resolve that issue. (2) My online banking with my regular bank, because of a new security system, my error in logon, and telephone connection problems (I have an old unblocked cell phone, using a foreign SIM card), on my cell phone cannot enter other than regular phone numbers, but not bank card numbers, therefore, when calling I got cut off by my foreign phone provider.
This time I have someone here in Europe try out with a smart phone the process to connect to my bank with their ‘international toll free number’, going thru the process. If it works, then it is that old regular cell phone of mine, that is not usable. From all this, it appears that the safest way to have any money on you (at least for food) is, to take sufficient cash with you. Like in the old days. Either way, I still always inform my Banks that I will be out of country, and where, and how long.
It should always be remembered, that any banking or debit or credit cards are property of a Bank, not property of a client. Therefore, can be cancelled/suspended anytime by the Banks’ security system. The client does not need to know the reason. The client only needs to store their money with those Banks.

Travel on a Budget

Home away from home. Though I hate to generalize, but I can safely say – after traveling alone most of my life – that no matter if you find a way to “travel on a budget”, this only works if you NOT travel alone. Almost all accommodations advertise “sleeps 3, 4, 5, or even 12” (whatever that means). The odd times, I can find “sleeps 2”. Very seldom seen “sleeps one person only”. Rule of thumb: As a single traveler you usually pay more. This applies to renting vacation accommodations. [Cruises, you always pay double.] However, even the odd time I found vacation rental for €500 a month. Lots of ‘foot work’ to dig that up. Mostly it is much more.
I am considering for example the Bahamas, because it is half way between the Pacific Coast where I live and Europe, where my family lives. Plus, it is pleasant climate and few restrictions for Canadians. In the following link [ http://www.bahamasonabudget.info/ ], someone implies that ”
One of the biggest costs away from home is food and drink – ” (quoted from that web site). From experience I found that accommodation is the most expensive item when traveling”. Food is not. Having a decent “roof over your head” is priceless and costly. Unless you travel in a group (most people do not) and share with half a dozen others. What kind of fun is that ?!
Eating out in restaurants on the other hand is very expensive. Because of the service cost of a restaurant that is passed on to a customer. Super markets, grocery stores, any kinds of markets, food is cheap. No matter which country one travels to. Mostly it is much less expensive than the city where my home is. The other reason I do not eat restaurant food is, that I am a very good cook and do not eat what others present me with. Drink likewise. Anywhere in the world, one bottle of good wine cannot be more expensive than 20 or 30 dollars, in fact in Europe more like under ten €. Restaurant ?, try get a glass for that. Conclusion. To save while traveling: try get accomodation with at least a small kitchen. Try, not to eat street food in certain countries. Make sure the food you buy is clean. Wash your own laundry. Do your own cleaning. Find the best deals where to buy groceries and a decent cup of coffie. [Example: Here in Cannes, Côte d’Azur, one bistro asks €5 for one cappuccino, next door it is €2.50]. To look at pricing, first thing I do is check out how much a cup of coffie and specialty coffie costs.