Financial Woes in Foreign Currencies

Anything involving finances while travelling is a headache. I hate to complain, I really do, but the convoluted world of credit cards, debit cards, even just paying in plain-old cash becomes next to impossible when you are in a foreign currency. The last thing I wanted to find myself doing at half-past nine this morning was stuck on the phone with Chase customer service trying to figure out why they have absolutely no records on me, thus, no way to help me pay for the one measly little ticket to the Olympic torch relay finale in Hyde Park this afternoon. I wasn’t trying to make a down payment on a yacht, people.

Word of warning: before leaving home, make sure you know a few things, like…

  1. Who is the primary cardholder, if it is not you? Know their information, including answers to all security questions, passwords, and the last four digits of their SSN.
  2. Figure out how to get in touch with your bank and credit card customer service while overseas. There should be a number listed on the bottom left-hand corner on the back of your credit card.
  3. What’s the exchange rate for your country’s currency and that of the country in which you are travelling? Also, know how much it will cost you to exchange cash, if you plan on bringing any to exchange in-country. This should keep you safe from being ripped off at conversion.

Don’t leave all this information to memory alone. Jet-lag is not your friend when it comes to retracting random assortments of letters and numbers from the recesses of your mind. So keep it all written down somewhere safe and secure, but easy enough for you to find.

Don’t forget to let your bank AND credit card provider know that you will be out of the country. If you miss this oh-so-important step, both or either will block any purchases you try to make abroad, because they will assume that your card has been stolen.

If you follow through with these few steps it will make your trip much more enjoyable, without the hassle of dealing with financial road bumps when you’d rather be walking through the British Museum or Tate Modern or, well, anything really.

Emily Bowman, DUSA Student Blogger

Safety and Security Abroad

As many of us enjoy summer travels or excitedly prepare for Study Abroad this fall, I’d like to take a moment to consider our safety. In light of recent tragic events, we’re reminded that while it’s seemingly impossible to control everything around us, it also reinforces the need to take precautions to ensure our safety and security.

On the Move

You will most likely be walking or taking a lot of public transportation while you are abroad. Even though you won’t be behind the wheel, you still need to know where you are going, and how to get there, before you set out. You might be concerned about standing out as a tourist by carrying around a map of the city or the public transportation routes. However, I doubt you’ll mind too much when you get on the wrong train and end up 40 minutes south of your flat in a part of town you’ve never seen before (I’ve done something like this too many times to count). It’s pretty easy to get directions off a smart phone, but keep in mind that your phone provider will charge you exponentially to use data while abroad, so have an alternate option available to you.

Also, use the buddy system, especially at night and early in the morning, or when you will be travelling through area’s where you know you will be a target. If you can’t help it and will be travelling alone, let someone know where you are going, preferably two people – one from the place you are leaving and one who you will meet at your destination.

If you do get lost, ask someone who looks official – a station guard, a clerk at a nearby store, a policeman, etc. – to point you in the right direction. Do not be afraid – or embarrassed – to ask for help multiple times until you get to where you need to be.

In your City

While everyone looks forward to feeling at home in the city where they have gone to study abroad, you don’t want to experience the rude awakening that you are still very much a foreigner in a strange place. The U.S. State Department’s Bureau of Consular Affairs has a pretty good list of tips to stay safe on the street:

  • Don’t use short cuts, narrow alleys or poorly lit streets.
  • Try not to travel alone at night.
  • Avoid public demonstrations and other civil disturbances.
  • Keep a low profile and avoid loud conversations or arguments.
  • Do not discuss travel plans or other personal matters with strangers.
  • Avoid scam artists by being wary of strangers who approach you and offer to be your guide or sell you something at bargain prices.
  • Beware of pickpockets. They often have an accomplice who will:
    • jostle you,
    • ask you for directions or the time,
    • point to something spilled on your clothing,
    • or distract you by creating a disturbance.
  • Beware of groups of vagrant children who could create a distraction to pick your pocket.
  • Wear the shoulder strap of your bag across your chest and walk with the bag away from the curb to avoid drive-by purse-snatchers.
  • Try to seem purposeful when you move about. Even if you are lost, act as if you know where you are going. Try to ask for directions only from individuals in authority.
  • Know how to use a pay telephone and have the proper change or token on hand.
  • Learn a few phrases in the local language or have them handy in written form so that you can signal your need for police or medical help.
  • Make a note of emergency telephone numbers you may need: police, fire, your hotel, and the nearest U.S. embassy or consulate.
  • If you are confronted, don’t fight back — give up your valuables.

Party Responsibly 

It’s tempting to drop your inhibitions when you go abroad. Have fun, go out to pubs with friends, and dance at all the discotecas if you want, just make sure to watch yourself.

The establishments you might be tempted to visit in your host city are those catered towards tourists . These, unfortunately, are not always the safest of establishments and can attract some pretty seedy clientele looking to take advantage of inebriated youth from out of town. And I’m not just talking about the girls – guys are just as vulnerable as girls in this situation.

First and foremost, watch your drinks (if you choose to drink). You know the drill: always order your drink yourself and watch the bartender pour it in front of you. For whatever reason, tourist bars tend to add more liquor to their mixed drinks than what you would get at your local spot State-side, so make sure you see exactly how much alcohol is going in to your glass.

Once you have your drink, keep it close by your body at all times, and try to keep your hand covering the top of the glass. This will hopefully prevent anyone from spiking your drink. And like I said, guys are just as vulnerable. When I was travelling in Peru three of my friends had their drinks spiked while they were out – two of them where guys. People mistakenly believe that only women are at risk of being drugged, but men are often targeted, and then robbed.

If you do feel like you have been drugged, go to a hospital. Give the doctors as much information as you can provide, then contact your in-country program coordinator to let them know about your condition.

If you and your friends frequent the same bars and clubs over and over again while you are abroad, get to know the bouncers and bartenders that work there. If they are good at what they do, once they know you (and see you as a regular customer) they will watch out for you.

What if something does go wrong while I’m abroad?

If something does happen while you are abroad, you should first contact your in-country program coordinator. Your first reaction may be to call your friends and family, but to be honest, there isn’t much that they can do (except worry) from back home. Take down all of the contact information your program coordinator gives you at your orientation. Four numbers you should definitely have are:

1)   Your study abroad program’s on-site address and phone number(s)

2)   Your host family’s address and phone number(s)

3)   The local emergency phone numbers (police, fire, medical)

4)   The closest U.S. Consulate’s address and phone number

Keep them in your phone’s contact list, and written down in a second location, in case your phone is lost or stolen. Sometimes, those numbers become your lifelines.

The U.S. State Department has a very good resource for student’s who need help in emergencies while studying abroad. See their website (below) for more information.

This is hardly an exhaustive list of safety measures to take while studying abroad. Behind every safety warning is a call to be prepared and aware. Pay attention to your surroundings, especially the people around you, and prepare yourself for a misstep or mistake that could land you in trouble. This isn’t meant to scare you, but to prepare you for a true adventure. Enjoy yourself abroad! You will have a much better experience abroad knowing that you are safe and secure in your new surroundings, prepared to tackle any unexpected circumstances that may come your way.

Good Sources

More tips on how to keep yourself, your friends, and your belongings safe abroad!

http://www.hercampus.com/life/how-stay-safe-while-traveling-abroad?page=3

http://www.lonelyplanet.com/asia/travel-tips-and-articles/76192

http://studentsabroad.state.gov/index.php

http://travel.state.gov/travel/tips/safety/safety_1747.html

–  Emily Bowman, DUSA Blogger