Save ATM fees and get a Schwab account All fees are credited! Not only does Schwab not charge fees, they rebate whatever fees the machine charges you. It’s especially valuable in places like Indonesia, where the max at some ATMs was only ~$100 per transaction.
http://www.schwab.com/public/schwab/banking_lending/checking_account

Keep your money spread around your belongings and if you are out, preferably in a zippered, or double zippered, pockets. I look for rain jackets with interior pockets and keep my wallet and phone inside my zipped jacket when I’m in a crowd.

Remember if you are using a credit card, charge in LOCAL MONEY—-DON’T CONVERT TO DOLLARS AT THE STORE!

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