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Thanks for the invitation to share the tips. I hope one or other of the subscriber community is helped by this.

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I appreciate hearing from Olaf!! He's one of my favorite in our semi-retired community. And happy you had him here so I didn't have to go on LinkedIn! Great information, cash is always king, and I believe in traveling with fairly large amounts (at least $800 USD) for emergencies, such as car trouble on the road, having to spend an unexpected night in a small town, and my biggest pet peeves these days is getting charged 3% for using a credit card... for such services like a haircut, massage, and even some restaurants now are charging. Always the middle man with his hand out. Ugh. (USAA credit card does reimbursement for ATM charges, so this is a big kudos to them.)

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