Showing posts with label XE Currency. Show all posts
Showing posts with label XE Currency. Show all posts

Friday, December 25, 2015

12 Travel Apps Worth Keeping In 2016






Recently I deleted dozens of travel apps from my iPhone. Many are great. They allowed me to research unfamiliar places, listen to audio tours and turn my photos into postcards. But travel is about tapping the world, not a screen, so I’m ending the year with an app purge. I’ve kept only what I use often. An app didn’t have to be new (most weren’t) to make the cut, but it had to make travel easier or significantly more enjoyable. Below are a dozen that have earned a spot on my smartphone heading into 2016.

LiveTrekker This French app is a dream for flâneurs who love to wander without a map and yet, later, long to see where they’ve been. The app logs how far you walk, but I’m hooked on the red line it draws up and down each street, and through every park and museum you visit. Before setting off, tap the “tracker” button and then “start.” When you’ve returned to your hotel hours later, you’ll have a detailed, zoomable map (the satellite version that allows you to see trees and landmarks is a favorite) of where you’ve walked that you can also view on a computer and share with friends. I’ve used LiveTrekker to see how much of a city I’ve explored, and to note the little streets I strolled down whose names I might otherwise have forgotten. Cost: free.
Bravolol This app brand puts basic phrases and vocabulary — “Thank you,” “How much?,” “A table for two, please” — at your fingertips. Each (in my case) English phrase is shown in the foreign language and sometimes as a transliteration, too. Even better: Tap a phrase, and the app speaks it aloud so you know how to pronounce it. There are a variety of languages available, including French, Spanish, Chinese, Vietnamese, Portuguese, Russian and Arabic. Cost: free for basic categories, and $4.99 for additional categories such as “driving” and “sightseeing.”
Duolingo If you want to begin studying a language but don’t have the time, money or inclination for classes, you can learn during your commute or waiting in line at the supermarket with this app, which turns language learning into a game of multiple choice questions, word matching quizzes and translation challenges. Answer correctly and, like a video game, you can proceed to the next category. Courses are available in languages including Spanish, French, Italian, German and Portuguese. Cost: free.
Vurb One of the newer travel apps out there, Vurb allows you to access all your favorite workhorse apps in a single place. You can search for or discover destinations and events, and then do all the things you would normally do for an afternoon in a city — make a reservation on OpenTable (see below), buy movie tickets on Fandango, check out a location on Google Maps (below), request a car through Lyft or Uber (below), look at Yelp reviews or Foursquare tips, chat with your friends — all without closing Vurb and opening a half dozen other apps. (You give Vurb permission to open your various apps.) For instance, let’s say you opened Vurb and searched for an Italian restaurant. After you select one and tap on its virtual address and information card, you’ll see icons for popular apps like OpenTable, Google Maps, Safari and Uber. You can then tap one after another to quickly make a reservation, get directions and request a car without having to hunt for and open multiple apps. Cost: free.
Apple iBooks This is an often-overlooked native iPhone app. A virtual library of your own creation, it allows you to highlight favorite passages, add notes and tap a button to send yourself or someone else favorite quotes and passages from the digital books you’re reading. You can download a travel guide or take a bookshelf’s worth of classics with you to London. Poetry by Keats, Longfellow and Elizabeth Barrett Browning can be downloaded free. You can increase the font size, and an option to darken the pages is handy if you want to read in your hotel bed while your partner is sleeping. Cost: free (you pay for most books you download).
NOAA Radar Pro This weather app has more bells and whistles than anyone needs, but it’s also more accurate than other weather apps I’ve tried. It’s easy to scroll through hourly and weekly forecasts. You can customize the order in which you see forecasts for things like precipitation, wind, visibility and what the temperature feels like. And you can bookmark multiple places where you want to regularly check the weather. Cost: free for basic version; $1.99 for pro, which is ad-free and has seven-day forecasts (instead of three), severe-weather notifications and a hurricane tracker.
Google Maps and Google Translate Easy to use, with turn-by-turn voice navigation and clean lines, Google Maps is my first map stop. And now that there’s also offline navigation, you won’t incur roaming charges. Cost: free. Google Translate can be used in various ways. For example, you can tap the camera icon on your phone and then hold it up to a menu and see a translation. You can get translations of words that you speak, type or draw on your smartphone screen with your finger. The app is also capable of real-time translation while two people converse. I try to muddle through in a foreign language as much as possible, but it’s comforting to know that in a pinch I’ve got a translator in my pocket. Cost: free.
XE Currency For some people, currency conversion is a breeze. For the rest of us, there are apps. This one updates in real time, can display multiple currencies simultaneously, and the price is right. Cost: free (a pro version for $2.29 allows you to monitor more currencies).
TripIt This travel organizer allows members to forward their various hotel, flight, car rental, concert and restaurant confirmation email to a single address and in return receive a digital itinerary. I’m even more impressed with the app’s ability to alert me to gate changes before an airline’s app. Cost: free; $49 a year for the pro version that includes flight, seat and fare refund alerts and allows you to keep track of your rewards points and miles.
OpenTable This popular app and reward program lets you browse restaurants both casual and costly, and then book with a few taps. Users earn points for dining (a typical reservation earns 100 points), which can then be exchanged for discounts at participating restaurants or an Amazon gift card. For example, 2,000 points gets you $20 toward a meal or a $10 Amazon card. This can add up, especially if you book regularly, even when you know your favorite local joint isn’t crowded. Cost: free.
Uber Love or hate the company, this app is indispensable on rainy days and late nights when mass transit is inconvenient and there isn’t a cab in sight. In cities like Los Angeles, it’s made doing without a rental car an option. And of course you don’t have to worry about having enough cash on hand because its linked to your credit card. Cost: free.

Thursday, July 17, 2014

Travelore Tips: 5 Money Saving Tips For Exchanging Currency



Contributed by Joseph Pisani, AP.


 Headed overseas for summer vacation? It's easy to get hit with extra fees and expensive exchange rates when switching currencies.

Some currency exchange tables in airports and tourist areas offer bad rates, taking more of your money. And some credit cards and banks can add fees when you buy something with your card.
Your best bet is to bring a credit card that doesn't charge currency exchange fees and some cash for backup. Most purchases should be done on the credit card, says James Gambaccini, a certified financial planner at Acorn Financial Services. That's because credit cards offer fraud protection. If you lose cash, or it gets stolen, you won't get it back. Lost credit cards, or fraudulent charges, are easily replaced or fixed, says Gambaccini.

"Walking around with a money belt and a large amount of cash is not relevant anymore," he says.
Here are five tips to maximize your dollars:

1. GET AN APP
Before boarding the plane, download a currency converting app on a smartphone you plan to use on vacation. You can open up the app to see if you're getting a good deal when exchanging money. With the apps, you type in the amount you want to exchange and it will calculate a figure in the new currency. There are several free ones to choose from, including XE Currency and GlobeConvert.

2. ASK BEFORE YOU EXCHANGE
Be wary of currency exchange places that say they don't charge fees or advertise really good exchange rates. "Don't trust it," says Stan McGahey, an international tourism professor at Saint Leo University in Florida. Often, they will offer you a worse exchange rate to make up for the low fees or have caveats that they don't advertise. Instead of just handing them your money, ask how much you would get for the amount you want to exchange first, McGahey says. That way you will know exactly what you're getting.

And always do currency exchanges in the country you're visiting. You're likely to get a better rate than if you do the exchange at home, McGahey says.

3. FIND THE RIGHT CARD
Get a credit card that doesn't charge a foreign exchange fee. Some will charge a 2 percent to 3 percent fee for every purchase made with a foreign currency, says Matt Schulz, a senior analyst at credit card comparison site CreditCards.com. There are many that don't. You can find a list of them on websites such as CreditCardInsider.com, CreditCards.com or Bankrate.com.
Not sure if your card charges a fee? Call and ask.

If you don't have a fee-free card, it may be worth applying for one, says John Ganotis, founder of credit card comparison site CreditCardInsider.com. As long as you're not charging more than you can afford to pay, it could be a better deal than exchanging cash. Most credit cards designed for travelers let you earn benefits, such as miles or points to use for a future trip, Ganotis says.
Another benefit: credit cards often will offer exchange rates that are an average over the past month. That could be helpful if you are traveling to place where the currency is volatile, including some South American countries, Gambaccini says.

(Incidentally, you should call your credit card company before traveling to let it know where you are going. If the credit card company doesn't know you're traveling, it could think it is being used fraudulently and temporarily block your card from making charges.)

4. SAY NO TO HOTEL EXCHANGES
If a hotel or another business asks if you want them to convert the bill into American dollars for you, decline. The exchange rate can be bad, Gambaccini says. Instead, let the hotel bill you in the country's currency and let your credit card do the exchange.

5. CHECK OUT CHECKING ACCOUNTS
As with credit cards, make sure your bank doesn't charge foreign exchange fees if you plan to use a debit card. Some may charge a flat fee for using a foreign ATM on top of a percentage for currency exchanges. Checking accounts at online banks, such as Capital One 360 and Charles Schwab Bank, don't charge foreign transaction fees. Call your bank and ask if you're not sure if they charge fees. Personal finance website NerdWallet.com publishes a list of banks that don't charge fees.