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"Whether you're planning
a ski trip to northern
Michigan or heading south to
a tropical island to escape Old
Man Winter, remember to use
good financial judgement so
your vacation won't turn into
one you'll be paying for until
next year's trip," says Michael
Kelly, director of public infor-
mation for the Michigan
Credit Union League.
Here are some tips to help
you save and keep your
money safe during your vaca-
tion offered by Everybody's
the consumer
Money,
magazine for credit union
members.
1. Lay out all your credit
cards and photocopy both
sides. Take a copy with you
and keep another at home.
This will enable you to pro-
vide accurate information to
authorities and credit card
companies should your cards
be stolen or lost:
2. It's a good idea to set
money aside before your trip
to pay for the charges you will
accumulate on your credit
cards. It's reassuring to have
a head-start on paying the
bills.
3. Calculate beforehand
how much you can afford to
spend on souvenirs, gifts and
other extras, and try to stay
within that budget.
4. Carry most of your
money in the form of travelers
cheques. They're inexpensive
and safer than currency. If
you're lucky enough to have
any cheques left when you
return from your trip, cash
them and deposit the money
immediately to begin earning
interest.
5. Don't put your cash in
checked baggage. Don't leave
cash or other valuables in
your hotel room. Store them
in the hotel safe. If you carry
your cash in a purse, loop the
strap acrss yoUr body rather
than hanging it from one
shoulder. If you carry your
wallet in your jacket, don't let
your jacket out of your hands.
6. If you rent a car, chances
are you can decline the
damage waiver. Most auto in-
surance policies automatical-
ly cover occasional, non-
business use of another car.
Check your policy or contact
your insurance agent before
you travel. If you're not
covered, expand your current
auto insurance. Then you'll
be protected for only pennies
a day when you need to rent
a car.
7. Consider a travel agent.
Travel agents can make some
or all of your vacation ar-
rangements, often at no extra
=4
cost to you. An agent can help
you compare resorts, hotels
and travel arrangements
quickly and completely.
8. In foreign countries,
you'll need to carry some of
their currency. Generally,
you'll get a better exchange
rate at a bank than you will
at airports and hotels. Ex-
change your coins before you
leave the country. U.S. banks
will exchange the paper but
not the coins.
9. You can use your ATM "4
card or credit card to get local
currency in some foreign
countries without paying
foreign-exchange commis-
sions. Check with your credit
4
union or other financial in-
stitution to find out where the
ATMs are on its network
before your trip.
10. Save enough money to
go out to dinner or order take-
out food when you return
4
from your vacation, and con-
4
sider returning at least a day
before you need to return to
work. The chance to rest will
help you adjust to your back-
to-work schedule.
—
mml LOCAL NEWS
Career Planning
Is Program Topic
Friends of Refugees of
Eastern Europe will host a
series of monthly lectures and
discussions to help new
Americans explore their op-
tions. The series, titled, "New
Horizons," will discuss fami-
ly life, jobs and career,
religion and culture, and
social life.
This month's program will
be a symposium on career
planning and retraining. The
Russian-born panelists will
speak about personal ex-
periences 8 p.m. Feb. 11 at
Congregation Dovid Ben
Nuchim.
The panelists will include
Roman Lundin, a software
design specialist who is presi-
dent of Lundin Laboratories
and the Jewish Business Net-
work; Vladimir Kremen-
chugsky, a biochemist and
president of Vova
Laboratories; and Aron
Rozenberg, an electrical
engineer with Detroit Thsting
Laboratory.
The program will be con-
ducted in Russian and a ques-
tion and answer period will
follow. Refreshments will be
served.
I
-4
4
14