Live Talk Transcript: China and Hong Kong

Some cruise lines offer discounts on a future sailing if you book it while on a current cruise. Back home, you can transfer the booking to your travel agent and work with them to try to lower the price even further. You'll be able to cancel your booking at no cost if you follow the cruise line's cancellation schedule. This is a great way to get some of your onboard expenses paid for in advance.

Don't assume you can save a spot at the pool with your towel. Cruise lines give you one pool towel at the start of the cruise. If you don't have it (or a cleaned trade-in) at the end, you'll get charged. If you let it out of your sight, you run the risk of losing it or having it stolen by a fellow cruiser.

Consider asking your driver or tour guide to haggle on your behalf at bazaars and souks. (But don't let them lead you to places where they might have a connection to the shopkeeper.) The money you tip them will usually be less than the markup on prices for tourists.

If you go directly from the air-conditioned ship out onto the open-air deck (which is usually warmer and more humid in most cruise destinations), your camera's lens is likely to fog up. Warm the camera with your cabin's hairdryer on a low setting or briefly leave it out on your balcony so it can acclimate to the weather.

Be certain to have enough blank pages in your passport. Someone I know had a terrible time getting per- mission to board a flight from Zambia to South Africa because she didn't have the two blank passport pages required to enter South Africa. Thank goodness my husband had read about the requirement. Before the trip, we sent our passports to the center in Charleston and had extra pages added at no charge.

Before you leave the United States, photocopy receipts for any expensive items you're taking with you. This way, you won't have to argue with customs on the way home about declaring items you didn't buy abroad. (I'm a photographer, and I always bring expensive cameras on vacations.)

My husband and I keep the stretchy slipper-socks that some airlines provide. (We've gotten them on Virgin Atlantic in economy class and on almost all airlines in business class.) They're great to use when packing shoes: Just slip each shoe into a sock, and you'll prevent clothes from getting marked up by the soles. As a bonus, you'll have slippers to wear when you're away from home. The socks are machine-washable and can last for many years.

Check out worldclimate.com to find monthly average temperatures and rainfall for thousands of cities worldwide. You can avoid countries during their rainy seasons, and the information is useful for figuring out what to pack.

For long overnight flights, pack a dry washcloth in a Ziploc bag in your carry-on. Before landing, ask the flight attendant for a cup of hot (not boiling) water. Carefully pour the water into the Ziploc bag and then wipe your face and hands with the steaming cloth. It's like a portable sauna!

Before traveling overseas, look at your health insurance card. If it only shows an 800 or 888 number for precertification of hospital admissions, call that number and obtain the local number with an area code. Many 800 numbers can't be dialed from foreign countries. I learned this the hard way during an emergency hospital admission in Switzerland. The delay in reaching my carrier could have been avoided.

If you're planning to use an ATM abroad, make sure the money you need is in your checking account, because some foreign ATMs don't allow access to savings accounts. And remember to carry your bank's local phone number with you; 800 numbers generally don't work overseas.

When I'm on the road, I often have to use the hotel iron before heading out to business meetings. But getting water into the iron can be a hassle--most irons won't fit under the sink faucet, and using a glass to pour water into the tiny hole is nearly impossible without spilling everywhere. There's an easy solution: Use the carafe from the coffee maker. Just be sure the carafe is clean, or you could end up with coffee stains on your clothes.

When I go on a trip that requires me to accessorize a number of outfits, I buy little Ziploc bags and place the appropriate jewelry/panty hose/scarf inside. Then I punch a hole just big enough to slide the bag over the outfit's hanger. This way, my panty hose stay snag-free and my jewelry never gets misplaced.

When not taking pictures, keep your memory card away from your camera. It's a simple method to ensure that any photographs you've shot will be safe even if your camera is stolen. My husband and I learned this lesson the hard way when we lost 250 shots of Kauai.

When I travel to a new city, I check with the local running club to see if there are any events planned during my stay. The entry fee is usually donated to a charity, and I get great exercise, meet locals, and tour a part of the city I may not have known about.

Quotetravelinsurance.com gives you comparable details on more than one hundred travel-insurance plans, enabling you to make the best buy. It relies on ratings from insurance industry overseers such as A.M. Best and state insurance commissioners before allowing an insurance company into its extensive lineup.

In North American cities with large Chinese communities, choose a family-run Chinese restaurant and ask for the set family meals, usually written in Chinese. They are more authentic than those typically offered to tourists and people who are not Chinese—not to mention a better value. In San Francisco, for example, you can enjoy a five-course meal, which easily feeds a family of four, for less than $20.

If you know you'll be cooking while on vacation, bring along small amounts of the spices you need for your favorite recipes. You'll save by not buying large containers of spices.

If your travels take you to U.S. cities large enough to have museums, zoos, and/or botanical gardens, consider buying a membership in your home city's counterpart. Many have reciprocal privileges with institutions elsewhere. A membership at Chicago's Lincoln Park Zoo, for example, lets you see the National Zoo in Washington, D.C., and zoos in Los Angeles, Des Moines, and Jackson, Mississippi, at no charge.

I reverse the batteries in my portable CD player before packing it in my suitcase or backpack, in case it's accidentally turned on when my bag is jostled. I came up with the idea after arriving at my destination to find that the brand-new batteries I'd put into my Walkman were dead.

I'm a gadget freak, and I don't like to travel without things like my digital camera and iPod. On one trip, though, I put my camera down in a crowded restaurant and then forgot to put it back in my bag. By the time I remembered it, the camera was long gone. Now, I attach those kinds of items to my daypack with a lanyard. They're still easy to pull out and use, and they never get left behind.

In areas where the majority of people don't speak English, head to an Internet café. In our experience, they're full of friendly young people anxious to practice their English.

When my husband and I visit places like India or Thailand, we pack only one extra change of clothes. When we arrive, we hit a local market and buy local attire--woven shirts, saris, sarongs, etc. Not only does this make packing easier, but we get a better cultural experience and end up with lots of wearable souvenirs!

Treat yourself to a golf-ball foot massage. During a long flight, or afterward in your hotel room, take off your shoes, put a golf ball on the floor, and roll it under your foot. It's a great stress reliever. Practice a bit before you try it on a plane, so that your ball doesn't go rolling down the cabin, tripping up unsuspecting passengers.

If you're traveling with a companion, pack half of your belongings in his or her suitcase and vice versa. This way, if one piece of luggage gets lost, you'll each still have some clothing.

Before booking your next ski trip or reserving a table for dinner, find out what your credit card company has to offer. American Express sometimes has discounts on lift tickets; MasterCard has offered buy-one-get-one-free at local restaurants; and Discover Card has access to deals to Universal Studios. Check out americanexpress.com/offerzone, mastercard.com (be sure to click on Promotions), and discovercard.com.

I was heading to the hotel ice machine when I noticed that our ice bucket was looking very tired and missing its disposable plastic liner. My solution: the shower cap that we never use anyway. In fact, it actually worked better than the liner bag because the elastic band held it in place around the top of the bucket.

For overnight flights, pack a few Oral B Brush-Ups in your carry-on. Before the plane lands, you can "brush" your teeth, leaving you refreshed and ready for the day!

It can be difficult for parents to find a place to bathe their infant while on vacation. Showers obviously won't work, and the miniscule sinks generally found in hotel bathrooms aren't appropriate either. On our last cruise, we eliminated the whole problem by packing a small, inexpensive inflatable bathtub. (Ours cost only $7.99.) When we arrived, we blew it up and placed it in the bottom of the shower for an instant, safe baby bath.

When you travel to a beach destination, bring your own snorkel gear. We bought snorkels, masks, and fins at home for half-off (at an end-of-summer sale) before a trip to Hawaii. They didn't take up much room in our luggage, and we would have spent as much or more renting the equipment.