Tag: credit cards

16 Months To Go

April has sped by like a Shinkansen. Let’s check-in, shall we?

  • We had our initial meeting with our new lawyer. We’re finalizing our new wills later this week.
  • We got our new credit card in the mail (1.5% cash-back on international purchases).
  • Sadly removed Sri Lanka from our wish list due to the Easter bombings.
  • We talked with the oldest kid’s school about the school board’s “Reach Ahead” program so that he can start grade 9 online courses in grade 8. We really liked the sound of the online courses TVO / ILC provides. The first talk with the guidance counselor ended with a “no.” We’re hoping to meet with the principal later? If it doesn’t work out we may just homeschool over the grade 8 year and do it ourselves. Hack your education!
  • I really enjoyed this video from Max Joseph about how to read more books in your lifetime. Lots of sweet bookstore eye candy here!
  • I am also very excited about this Fug Girl’s Guide to London.
 Livraria Lello, bookstore in Portugal.
Livraria Lello in Portugal. One of the “top bookstores” in the world and a famous writing location / inspiration for JK Rowling.

Money While Travelling

One of the concerns we’ve had while traveling is how to safely carry money and pay for things.  Looking into it, I think we’ve decided on a few rules:

  1. Pay everything with a credit card, which not only gives you peace of mind if it’s stolen, but also gets points you can use during the trip itself.
  2. Speaking of credit cards, we’re thinking of having two – an American Express Gold for  hotels and flights, since AMEX has always been great for travel insurance and other services, as well as a MasterCard or Visa.  Having a backup in the hotel/in your luggage will come in handy if your primary is ever lost or stolen.
  3. And speaking of getting stolen, we’re going to save our primary funds in a high interest savings account and only move a bit at a time into a chequing account so that if, heaven forbid, our card is skimmed or stolen, the thief can only get so much from the ATM.  We’re thinking of moving to HSBC for the trip since they’ll have ATMs in most of the places we’ll be visiting (to avoid withdrawal fees), though there ARE Canadian banks in some major foreign cities…  so maybe laziness will win out for this point.
  4. Mega Mommy also has a U.S. based account for her work, so we’ll actually have a third account specifically for emergency purposes.
  5. Some places we’ll be visiting will be cash only, and our bank will always offer a better conversion than currency converter kiosks.

There are a few websites we’ve found to try to get the most points and best credit cards for our travel.  They include:

One of the common recommendations we’ve seen is to get a good travel card where the first year’s fees are waived, then ditching the card when the travel is done.  Considering some of those fees can be ridiculously high for the average folk, I’ll be keeping my eyes open when the time comes.  (Though, in the end, a $250 year fee for something that offers amazing perks and peace of mind during  $100,000 trip is worth it).

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