Showing posts with label passports. Show all posts
Showing posts with label passports. Show all posts

Monday, November 10, 2014

12 Tips to Make International Travel Easier

travelandleisure.com

Travel Tips: Getting Cash
Being in a strange place can be invigorating and eye-opening. Some of my favorite travel memories include an early-morning run along the Danube River in Budapest, touring the temples of Angkor Wat, and having late-night drinks and steak in Uruguay.
There have also been plenty of business trips where the only sites I saw were those visible from my hotel room window, because I was too busy running from one meeting to another.
Regardless of what type of trip you’re on, there are several steps you can take to ease an overseas journey. Here are 12 of my favorite international travel tips:
Hotel business cards. The first thing I do when arriving at a hotel overseas is take a business card from the front desk. That way, if I ever get lost, I have the name and address of the hotel in the local language. Large populations around the world speak English, but having something in a local language that I can show locals and taxi drivers is an extra bit of insurance.
The six-month passport rule. The expiration date on your passport is actually a bit deceiving. The U.S. lets you use your passport up to the date inside the cover. However, several countries will deny travelers entry if the passport expires in less than six months. Why? If for some unexpected reason you get stuck overseas longer than planned, that country wants to ensure that you have a valid passport to eventually travel back to the United States. To avoid any problems, I always renew my passport during a downtime in travel, about nine months prior to the expiration date.
Getting cash. The way to get cash is usually an ATM, but many U.S. banks charge steep fees for using an ATM that is out of network. You can take out a large amount of cash at the airport ATM so you pay that fee only once, but it’s never advisable to carry large sums of cash. Plus, you risk having too much local currency left over at the end of your trip. Charles Schwab and Fidelity both offer checking accounts that have no minimum balance requirements and reimburse you for all ATM fees, including those from overseas.
Credit cards. The best exchange rates are often found using your credit card. However, many credit cards will tack on a foreign transaction fee, sometimes as high as 3 percent. It’s a pointless fee that no traveler should ever pay. The Chase Sapphire Preferred card and Platinum American Express are two of the cards that don’t levy this fee. Also, never have a hotel or restaurant convert a charge into dollars first. It’s a bad deal.
Fraud alerts. Notify your credit card company’s fraud department of what countries you will be visiting and on what dates. This way, they won’t think your card is stolen and shut it off just when you need it the most. Be mindful of any countries you might be changing planes in; you might need to make a charge during your layover, especially if there’s a delay.
Credit card chips. U.S. credit cards rely on magnetic strips on the back that are swiped at vendors. In Europe, cards have a chip embedded in them which—when paired with a PIN—are used for purchases. It’s a much more secure way of charging goods, but hasn’t been adopted in the States. Most vendors overseas can still swipe your card. But train ticket machines, gas stations, and other machines where we pay without interacting with a person often reject cards that are swiped. Getting a chip and PIN card from a U.S. bank is hard. But many credit cards are now coming with chip and signature technology.
Medicine. I always carry an eye mask and earplugs in my medicine bag because you never know what your hotel room is going to be like. But I also carry Advil, NyQuil, Imodium A-D, Tums, and a handful of other key medications. Yes, even the most historic European neighborhood has a drugstore. But do you want to be running around Germany late at night, trying to translate “diarrhea”? If you’re heading to third-world countries, stocking up on the right drugs is even more important. Many travelers fill a prescription in advance for the antibiotic ciprofloxacin and bring it with them just in case.
Travel alerts. It’s a good idea to check the State Department’s travel warnings and alerts. It’s also smart to print out the address and contact information of the local embassy.
Foreign airline sites. If you are on a tight budget—and don’t have to book through your company’s travel department—look at overseas airlines’ sites in their home countries. I recently booked a ticket from southern Italy to northern Italy on Alitalia. The airline’s U.S. site wanted twice the price of the Italian site. I’m not fluent in Italian, but Google Chrome translated every page for me. I paid in euros, using a credit card with no foreign transaction fees.
Data roaming. Set up your cell phone to avoid international data roaming. Many business travelers have an international calling and data plan. But infrequent travelers don’t. The biggest costs can come from transmitting data overseas. I was in a remote part of southern San Diego last summer, and my cell phone provider sent me a text alert welcoming me to Mexico. Apparently, I had jumped onto a cell tower in Tijuana. I immediately shut off my data roaming, turning it back on only once I was out of that area.
Google Maps. I have a great sense of direction and rarely need a map. I know others aren’t as lucky, though, and have come to rely on their cell phones to get around. If you don’t add a data plan to your phone while abroad, you can still jury-rig a crude version. Using the Wi-Fi in your hotel, plot out a few routes you plan to walk that day. Then take a screenshot of those maps. You can later find the photo, zoom in, and follow the path. It’s not ideal, but it’s a work-around.
Unwanted local currency. I figure out on my last night how much cash I will need and then set aside the leftover money. At checkout the next morning, I take that cash and ask the hotel to apply it to my bill and then pay the remaining balance with my no-foreign-transaction-fee credit card.

Tuesday, October 21, 2014

Canadians who spend substantial time in the US, be aware of how their stays are monitored

theyucatantimes.com

The days of carefree and careless commuting are over for Canadian snowbirds with second homes in the United States’ sunbelt, says lawyer and tax specialist Roy Berg.
The rules haven’t changed. They’re as bewildering, contradictory and potentially punitive as ever — on both sides of the border, says Berg, of Moodys Gartner in Calgary.

What has changed, however, is the ability of Canadian and U.S. customs agents to routinely swap computerized information obtained from bar codes on the passports of each other’s citizens, he explains.
“None of the rules or substantive tax or immigration regulations have changed,” he says. “What’s changed is that they can be enforced. Until this year, they (U.S. Customs) haven’t really known how long you’ve been there.”
In the past, it didn’t take a genius to figure out that, with each country tracking only those entering its jurisdiction, neither had a truly reliable count on the number of days foreigners were spending in country — or the number of days citizens were away. Accordingly, Berg says, Canadians have habitually taken a fairly relaxed attitude to accounting for their time in the U.S.
All that changes June 30, with the adoption of the Entry/Exit Initiative agreed between the two nations. After that date a continuous computerized information exchange will make day counts on each traveller automatic.
If you have any doubts about how real this is, you can apply to check your own day count with the U.S. Department of Homeland Security at https://i94.cbp.dhs.gov/I94/request.html.
The automatic count means Canadians must be vigilant to avoid facing additional tax penalties or even arrests.

Berg says there are two U.S. day counts that matter — a three-year rolling total of 180 days and an annual 182-day count. The three-year rolling tally is called the “substantial presence test” and it flags anyone who stays in the U.S. for more than 120 days in any given year. Days in the current year are counted at full value. Days from the previous year are counted at one-third and days from two years ago are counted at one-sixth. So a tally for 2014 might look something like this:
Days in 2014 are 120 x 1 = 120;
Days in 2013 are 120/3 = 40;
Days in 2012 are 120/6 = 20;
so, Days for 2014 total 180.
For casual Canadian vacationers, the substantial presence test is unlikely to become an issue. But for Canadians with second homes in the sunbelt, it’s a different matter. Retirees hiding out from Canada’s brutal winter can regularly exceed the 120 days — meaning they will now be methodically flagged by the substantial presence test in a way they never were before. For them, there’s a form called the Closer Connection Exemption Statement for Aliens (form 8840). By filling out the form, you document that you have a closer connection to Canada and are not simply dodging U.S. taxes. Filling out this form every year enables you to stay in the U.S. a full 182 days without offending the U.S. Internal Revenue Service or Homeland Security.
The form isn’t new, but it has suddenly become very important to actually fill it out, Berg says. Canadians who haven’t bothered or haven’t known about 8840 until now will be well advised to fill it out every year. And it’s one filing per person, not one per household, he adds. (Forms can be obtained athttp://www.irs.gov/pub/irs-pdf/f8840.pdf)
There’s another wrinkle you should take into account, he adds. The IRS counts days within the calendar year, while Immigration/Homeland Security counts days in any 12-month period.
“You could be just fine for tax purposes but totally off-side for immigration purposes,” Berg observes. And immigration law makes reference to “substantial departure” from the U.S., meaning a quick flight home and back may not be counted as time out of the U.S.
Consequences of offending U.S. immigration laws “can be quite dire,” he adds.
“U.S. border guards have power to arrest,” so uninformed Canadians on their way to their second home in Arizona or Florida could suddenly find themselves turned back at the border or even arrested if the border inspection point is on U.S. soil.
It all depends upon whether you’re viewed as a resident under U.S. and/or Canadian law, Berg says.
People who violate the U.S. substantial presence test can be banned from entering the U.S. for three years on a first offence and for life on a second count, he says. The exception is if they file the 8840 form. And anyone unlawfully exceeding 365 days in the U.S. can be banned for 10 years on a first offence.
Those who stay more than 120 days in a calendar year and fail to file the Closer Connection form, or who exceed 182 days in a calendar year, risk becoming subject to U.S. tax on their worldwide income, though taxes paid in the U.S. are deductible from Canadian taxes owing.
If you inadvertently become a U.S. resident, you become taxable at death on your worldwide assets, meaning your heirs will be subject to U.S. estate tax.
If you exceed 182 days in a calendar year outside Canada, Canadian tax law says you are no longer a resident, you are deemed to have disposed of all your assets worldwide and become subject to capital gains tax on everything you own.
“Whether an individual is no longer a resident is a facts-and-circumstances test — but a big factor in that analysis is day count,” Berg says.
And, of course, losing your residency also means you lose eligibility for provincial health-care coverage.
Finally, Berg notes, not all U.S. states align their tax laws with the federal government, so staying square with Uncle Sam doesn’t mean you’re off the hook for state taxes.
Buying and licensing a car in Hawaii, for instance, may get you the residents’ rate for golf, but it could also very likely make you subject to Hawaiian state taxes. While Florida and Arizona use U.S. federal rules, California, Hawaii, Montana and North Dakota — all popular with Canadians — don’t follow the U.S. federal tax code.

Tuesday, August 26, 2014

Planning a family vacation

pintsizepilot.com

1. managing expectations

While traveling with a little one (or little ones) is wonderful, it is a drastically different experience from pre-child trips. Once you accept that you will be digging in the sand, not resting on it; playing in the pool, not floating on it; and that “happy hour” is any time your baby or child is not demanding one on one attention; you are ready to start planning.

2. setting up for success

What things are absolutely necessary for you to have a good vacation? For one person it might be a trip to the spa, while for another it might be an afternoon of uninterrupted reading. May we suggest:
  • If you are traveling with a partner, plan to take turns watching your child so that each of you can have some time to pursue something you enjoy.
  • Consider bringing grandma, aunty or another caregiver along to do a little babysitting.
  • Find out if your preferred hotel or resort offers certified babysitters, at what cost, and if they need to be arranged in advance. Hotel babysitting services can sometimes be very expensive so you could also research outside agencies. Please see the following North American directory for a babysitter on vacation.
  • A baby or kid’s club can be a great option, but be sure to find out the cost, what the age requirements are, if they are fully supervised, if you need to pre-register, and if it will be in operation during your travel dates (some are only offered during high season).


3. where to go

Traveling with a child may require you to put extra thought into your destination and type of accommodation, especially if you have a newborn.
Thing to consider include:
    • proximity to good medical care
    • access to clean drinking water (especially if you are formula feeding)
    • childcare options
    • vacation home rental versus hotel or resort
This is not to say that you can’t go anywhere you want. Travel magazines are full of stories about amazing travelers who circumnavigate the globe with a baby in a sling. It is advisable, however, to either choose a destination relatively close to home or in a country with a very high standard of medical care until your baby is at least six months old.
Traveling with a child may require you to put extra thought into your destination and type of accommodation, especially if you have a newborn.


4. safety first

If you do make the decision to travel to a less developed country, or a tropical location, we recommend looking up your destination on the website of the Center for Disease Control in case there are any medical advisories you should be aware of (Malaria, Dengue Fever etc.). On the website, you will find advice on how to minimize your risk, suggested vaccinations, and recommendations on types of medications to bring with you. If necessary, plan to visit a travel health clinic at least 6 weeks prior to your trip. Bring with you the immunization records for each family member. Use the following links for a list of travel medicine clinics in the U.S. or in Canada (in Canada they are often referred to as Yellow Fever Vaccination Centres despite the fact that they vaccinate for a variety of travel related diseases).
Should you be interested in other information, such as the current political climate or any serious weather advisories in the region you plan to travel to, you can research your destination through the U.S. State Department or Foreign Affairs and International Trade Canada.

5. can you drink the water?

In many fantastic vacations spots, the tap water contains microbes that can cause diarrhea, vomiting and dehydration if ingested (think Mexico). You can still travel to these places with your baby or small child, but you need to give some thought as to how you will deal with this inconvenience. Carefully chosen accommodation (ideally with a water filtration system), or a well tipped maid bringing you copious amounts of bottled water can also make this job much easier.
The following steps will reduce your risk:
  • Use bottled or purified water, a brush and dish soap to clean any of your child’s bottles, cups, bowls, and utensils. After washing, sterilize all of these items. For information on how to do so, please consult the babycenter. com website.
  • Use only sterilized water for teeth brushing and wiping sticky hands and faces.
  • Do not let your child have anything with ice in it unless you can be sure the ice has been made from sterilized water.
  • Make sure your child does not swallow any water when in the bath or shower.

6. are children welcome?

Does the accommodation you are considering welcome children by providing rooms and services that will make your trip easier? A family friendly hotel or resort will offer some, if not all of the following features and amenities (ideally without an additional charge) :
    • high chairs and booster seats
    • cribs and playpens
    • child proofed rooms
    • baby monitors for loan
    • gradual entry pool
    • llfe jackets
    • toys
    • babysitting service
    • baby or kids club
    • large rooms with a private sleeping area for your child
    • adjoining rooms
    • kitchenette or fridge and microwave
    • complimentary laundry service for kids or in-room washer and dryer
    • room service
    • baby menu, kids menu or buffet
    • in room entertainment system
    • coffee maker for bleary eyed, sleep deprived parents

When researching a hotel or resort, it is also helpful to spend some time reading reviews specifically from families. Tripadvisor.com, and  Family Vacation Critic are both decent resources.

7. love your room

With a child now sharing your space, you need to think about the location, layout and size of your room within the hotel or resort.
The most important consideration is where you will be when your child is sleeping. Having accommodation with a separate bedroom, walk in closet where you could fit a crib, or a living room with a sofa bed, allows you to still enjoy this time. Even a nice patio where you can retreat to can make all the difference between being on vacation, and feeling like you are a prisoner of your room. Many parents we have spoken to (as well as the author) have spent evenings holed up in the bathroom with a bottle of wine watching a movie so as not to disturb their child; but generally this is not ideal. The long and short of it is that if at all possible spend the extra dollars and get the suite, the one bedroom, or the adjoining rooms rather than a single standard room.
Depending on your personal style and the temperament of your child you may also want to:
  • request a room away from the noise of the elevator/bar/restaurant
  • request a room away from other guests so you do not need worry about a screaming baby disturbing anyone
  • request a room close enough to the amenities that you can use a baby monitor while you child is napping(not everyone is comfortable doing this of course)

8. vacation home rentals

Many parents find renting a house or apartment a much more convenient option than a hotel. The benefits of a home rental  include: more privacy, more space, a lower per night cost, laundry facilities, a kitchen, and the ability to have meals and naps on your schedule, not on that of a hotel. Several popular vacation rental companies include  VRBO.com, and Airbnb.com (be sure to use the ‘kid-friendly’). Also worth taking a look at is KidandCoe.com which features some very special family properties
There are several potential drawbacks to vacation rentals of course. Booking it may require a little more time and work than a hotel as you are often dealing with an individual owner. Another consideration is that since you now have the ability to do more for yourself, you may find that you spend a lot of your trip cooking and cleaning. For a price, however, anything is possible. If needed, you can arrange maid service and plan to eat some of your meals in restaurants. You could also hire a babysitting or nanny service to give yourself a break once in a while. Some home and villa rental companies even offer a concierge service that can help to arrange things for you such as pre-stocking the kitchen with groceries. For a list of reputable villa rental agencies around the world, please see this Travel and Leisure article.
If the property you have selected does not have certain things that you need such as a crib, almost every city has a baby equipment rental company. The following link will provide you with a directory of baby equipment rental companies in North America.

9. passports for international travel

If you are traveling internationally you will need a passport for everyone in your family no matter how old they are (this includes newborns). The processing time for a passport in Canada is about 10-20 days and in the U.S. it is about 4-6 weeks (although in both countries it can be done in as little as a few days for a higher cost). Give yourself ample time since the application is lengthy and there is nothing worse than being a week away from travel and not having your documents in order. For more information on getting a passport, consult the website for Passport Canada or the US Department of State. If you already have a passport, make sure that it does not expire within 6 months of your trip as this is generally frowned upon by foreign governments.
Single parents planning to obtain a passport for their child will be expected to present a copy of the court order establishing custody and guardianship. Also important to note is that regardless of custody or guardianship, if only one parent is traveling internationally with a child, they may be asked to provide to customs and immigration a notarized letter of consent signed by the other parent. Please see the following link for an example of a letter of consent.

10. visas for international travel

In addition to presenting your passport, some countries require that you have a tourist visa for entry. To find out if you need one for your travel destination, check on the following government website links for Canada and the US.


11. programs that will get you through the airport faster

More than the flight itself, one of the most dreaded parts about airplane travel with babies, toddlers and kids, is the security screening process. While there have been small improvements over recent years (such as the fact that children no longer need to remove their shoes), the new TSA Pre expedited screening lane is making things much easier for qualified passengers and their children 12 years and under. These pre-screened travelers are allowed to leave their shoes, light outerwear and belt on, keep their laptop in its case, and their 3-1-1 compliant liquids/gels bag in a carry-on,when traveling through one of 115 designated airports across the U.S.A. and most recently Canada (Vancouver, Montreal and Toronto with Air Canada).
There is a bit of a laundry list of things required to participate in the program including either a personal invitation from TSA-Pre, or membership in the following trusted traveler programs; CBP Global Entry, SENTRI and NEXUS. You also need to be flying domestically in the U.S. on one of the following airlines: Alaska Airlines, American Airlines, Delta Air Lines, Hawaiian Airlines, JetBlue Airways, Southwest Airlines, United Airlines, US Airways and Virgin America (or on Air Canada between the U.S.A. and Canada). Still, if you can qualify it can be a real time and stress saver.  For more information on the program see the TSA Pre website or for entry through another trusted traveler program, see the GOES website.

12. travel insurance

We all know that buying travel insurance is important when traveling out of country, but your chances of needing medical, cancellation or trip interruption insurance are much more likely when traveling with a child. A serious medical problem out of country can easily cost you more than $50,000 especially if you require an ambulance or an air evacuation.