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The 5 Money Nightmares You Can Avoid While Traveling

The 5 Money Nightmares You Can Avoid While Traveling

I’ve been mugged, had my identity stolen and been ripped off overseas more times than I can count. For seasoned travellers these things are part of the job description. If you’re planning to go overseas or have found yourself in one of these situations, here’s how to tackle five money nightmares every traveller risks encountering – because no holiday should be cut short due to money misadventures.

Identity theft

A close friend had his identity stolen at an Australian airport. Had he of known where he threw his trash, it may have been different.

    source:picjumbo.com

    An English friend of mine arrived in Sydney to the news that a personal loan he’d taken out was maxed out. This is devastating news for anyone to hear, but it’s even worse when you never took out a personal loan to begin with. Turns out someone had stolen his identity from a plane ticket stub he had thrown in the airport bin.

    You always think identity theft won’t happen to you until it does – take extra precautions when you’re moving from place to place and dispose carefully of anything with your details on it. As it turns out, you need to know where your personal details are disposed of even in the relative safety of Australia, and though you don’t think about it initially the hardest part of identity theft isn’t regaining your identity but rather repairing it. Luckily, the Federal Trade Commission detail steps on retracing your alter ego.

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    Mugging

    Having cash on you is important when travelling. It’s also pretty important to thieves.

      source:picjumbo.com

      I was mugged in Amsterdam of all places, but luckily the thief only got away with 20 Euros. This is because I listened to the advice of a fellow, seasoned traveler: I split up my money and then sewed a pouch under my chest pocket to keep my passport, ID and credit cards safe. This is why listening to other travelers experiences is so vital – you can ensure the same thing doesn’t happen to you, and that your belongings remain yours.

      Credit card account hijacking

      You’ll be paying for some pretty crazy things while abroad – just make sure all your transactions are actually yours.

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        source:pixabay.com

        I had already been stung by some unexpected overseas fees and ATM withdrawal fees, but it was after a night out with friends abroad that I noticed some unusual transactions on my credit card (It was also then that I remembered the waitstaff staring at my card during payment multiple times that night).

        I didn’t waste any time – I called the bank and they reversed the charges immediately. This ease of reversing charges is one of the godsends of credit cards – If I’d been using a debit card it might not have been as quick a turn-around. In certain situations it always helps to be using credit as banks may be able to retrieve funds more quickly.

        Make sure your card is going to work with you when you travel and be mindful of how you’re spending on your credit card overseas.  In any case, your bank will tell you what you need to do the second something fishy appears on your statements.

        Getting stuck with no cash

        Cash is king, so make sure you always have access to it.

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          source:gratisphotography.com

          Everyone knows South-East Asia is the world capital of bartering prices, so I wanted to make sure I actually had cash to barter with. I went for a travel card with no foreign transaction fees, so I was only paying for money I was actually spending. Many travel money cards also let you lock in exchange rates, so you know how much cash you have to spend before you leave.

          Make sure you’ll be able to withdraw cash from ATMs in the country you’ll be visiting, otherwise your negotiation powers may not be that influential for very long. Oh, and for those of you with little negotiating skills, here’s a quick guide to get you up to speed.

          Getting ripped off when exchanging currencies

          You’re going to have to hand over cash this holiday, so make sure it’s to the best hands possible. 

            source:pixabay.com

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            Arriving in Heathrow airport for the first time and with no local currency, getting to an exchange service was my first priority. Spotting a foreign exchange stand in the airport, I couldn’t believe my luck – I wasn’t even in London yet. Once I was in London, however, I noticed that the exchange rates on offer outside of the cushy airport were much lower, with some being almost half the price. Like domestic travel, don’t just look for the quickest deals on services – get your money’s worth by looking for the best deal possible

            Just because you’re travelling, it doesn’t mean you should care less about prices. Give every financial decision the same weight you would as if you were making it at home.

             

            Traveling offers you no plenty of surprises, but they’re not all going to be free hotel room upgrades. Next time you travel be smart about your finances and savvy with your cash to avoid waking up in a scene from The Hangover.

            Featured photo credit: picjumbo.com via media.lifehack.org

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            Last Updated on July 4, 2019

            25 Killer Sites For Free Online Education

            25 Killer Sites For Free Online Education

            Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

            Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

            1. Coursera

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              Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

              Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

              Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

              2. Khan Academy

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                Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

                Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

                3. Open Culture Online Courses

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                  If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

                  Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

                  4. Udemy 

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                    Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

                    Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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                    5. Academic Earth

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                      Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

                      Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

                      6. edX

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                        Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

                        7. Alison

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                          Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                          It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                          8. iTunesU Free Courses

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                            A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                            Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                            Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                            ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                            9. Stanford Online

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                              Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                              Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                              10. Harvard Extension

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                                Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                                Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                                11. Open Yale Courses

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                                  Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                                  12. UC Berkeley Class Central

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                                    Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                                    13. MIT OpenCourseWare

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                                      Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                                      14. Carnegie Mellon Open Learning Initiative

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                                        Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                                        15. Codecademy

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                                          Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                          The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                          16. Code

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                                            Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                            In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                            Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                            17. University of London Podcasts

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                                              The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                              18. University of Oxford Podcasts

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                                                Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                                The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                                19. BBC Podcasts

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                                                  For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                                  Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                                  20. TED-Ed

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                                                    Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                                    Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                                    21. LessonPaths

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                                                      LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                                      22. Memrise

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                                                        Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                                        Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                                        23. National Geographic Kids

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                                                          The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                          National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                          24. Fun Brain

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                                                            Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                            Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                            25. Whyville

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                                                              Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                              Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                              Featured photo credit: Dai KE via unsplash.com

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