New York: Chinatown & Little Italy

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.

Note the expiration dates of any debit or credit cards you plan on using while you're away. In Budapest, I tried to withdraw cash with my ATM card, only to find that it had expired just days before.

When my husband and I travel, we take at least three different credit cards. I carry one he doesn't have, he carries one I don't have, and we both bring our primary card. If one of us has our wallet stolen, we can cancel two cards and still have one to use. We each have different ATM cards, too--useful if a machine doesn't honor one of the cards, or if we need more cash than our daily limit allows.

Don't rush off the car-rental lot. Before driving away--especially in foreign countries where the controls might be unfamiliar-test the headlights and brakes, and look for the extra tire and changing tools. I once had a rental with malfunctioning brakes in Mexico and caused a minor accident--one that could certainly have been avoided had I checked them properly before leaving the lot.

I agree that the anti-seasickness medication for cruises, Bonine, is excellent and effective; but there is a budget way to buy it. The primary ingredient in Bonine is meclizine (25 mg). While a package of eight Bonine tablets costs just over $4 at a drugstore, you can buy a bottle of 100 generic meclizine (25 mg) for about the same price. This is an over-the-counter (no prescription needed) item, but you usually have to ask for it at the pharmacy counter.

Attach a few carabiners--the kind of clips rock climbers use--to the top of your wheeled suitcase. Purses, cameras, and shopping bags can be clipped to your suitcase, giving your hands and shoulders a rest while you're walking around the airport.

Ever since my children were small, I've carried recent, wallet-size pictures of them when we all go on vacation, in case we get separated. Now that they are teenagers and traveling with friends' families, too, I send pictures for the other family to bring along with them. I also write my telephone numbers on the back of the pictures so they know where to reach me in an emergency.

I like to bring a Frisbee when I travel. At the hotel, it's a convenient place to collect car keys, loose change, my ChapStick, and any other small objects I normally keep in my pockets. I always know where everything is, and things won't fall off the nightstand. It's also handy to have so you can play Frisbee at a nearby park or beach.

When I'm on a cruise with my wife's family and we're in a foreign city for the day, I get off the boat as soon as we dock and hail a taxi. I ask the driver to call his dispatcher and find me a van with an English-speaking driver. Then I negotiate an hourly rate and a pickup time at the dock. The family tours together for a few hours, and then each couple either gets dropped off where they want to spend extra time or returns to the boat (this is great for my elderly in-laws). We get a tailor-made city tour for a much cheaper rate than if we had booked through the cruise line.

On a Northwest flight from Wichita to Cleveland, a piece of my luggage was delivered more than a day after I arrived. In the meantime, I had to buy some replacement items. Save your receipts! I turned in the receipts when I checked in for the return flight, and the ticket agent issued me a $50 check.(Northwest allows up to $50 in interim expenses for the first 24 hours, and $25 for each day afterward, with a maximum reimbursement of $150.)

I unpacked a pair of black slacks recently to find them covered with white fuzz. I didn't have a lint brush handy, so I used the luggage sticker from my bag--the gummy side took the lint right off.

When you change your clocks back or forward, be sure to check the expiration date on all your frequent-flier miles. This way they're checked twice a year. We overlooked one of the many accounts in our household and lost a free ticket when the miles expired.

Lightweight, washable, and multifunctional, a cotton sarong is an easy and practical addition to every traveler's don't-leave-home-without-it bag! I've used mine as a swimsuit cover-up, as a picnic blanket on the grounds of a château in the Loire Valley, as a temporary skirt (over my shorts) in a Bangkok temple, and as an extra pillow while hiking the South Rim of the Grand Canyon. It's also handy as an airplane blanket, emergency towel, or tablecloth.

Before traveling by taxi in foreign (or even domestic) locations, ask a local (perhaps stopping in shops to question the sales staff) what the approximate taxi fare would be to a particular location. They've always been pleased to help me. In this manner, I can avoid paying the inflated tourist rates!

Don't be too quick to grab one of those GST tax-rebate envelopes that are everywhere in Canadian airports. The envelopes look official, but they're really from companies that process the request for you and often pocket 15 percent or more. Instead, go to the Canada Revenue Agency Web site (cra-arc.gc.ca), download the Application for Visitor Tax Refund, and then file the request yourself. Your check will arrive in a few weeks. Just remember to get your receipt stamped by the Canada Border Services Agency at the airport.

Put toys within kids' reach on road trips. Hang a shoe organizer on the back of the passenger seat so children can keep stuffed animals, books, and games organized in the pockets. Having everything close at hand may help prevent meltdowns along the way.

Pack a travel-size shampoo container refilled with detergent and a one-gallon Ziploc bag for when you need to wash hosiery, bras, and other delicate undergarments. Put a few drops of detergent into the bag and fill it part way with water. Place the garment in the bag, close it up, and shake it around for a few minutes. Instant washing machine! For larger pieces of clothing, I've used the plastic laundry bags supplied at most hotels. Just hold on to the open end tightly.

A company called Orikaso makes brightly colored polypropylene sheets that can be folded--kind of like origami--to form a dish, bowl, or cup. The sheets are lightweight and reusable, and you simply flatten them when you're finished. We found ours at a sporting goods store, but you can also buy them online. Check orikaso.com for retailers.

For fire-safety reasons, cabins don't have their own irons. Don't wait until the last minute to tackle your evening wardrobe. You can find shared irons down the hall in the laundry room, but lines often form before mealtimes. Opt for off-hours (like mornings).

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.

I use an inexpensive, thumb-size USB flash drive to store medical and insurance contacts, confirmation codes, credit card numbers, addresses, and phone numbers. It fits in a secure zip pocket in my travel purse. If I don't have my laptop, I can insert the flash drive in most hotel or Internet café computers. Some USB flash drives password-protect your data, or you can download a free encryption program.

Before using frequent-flier miles, investigate how much the flight actually costs. For example, it takes at least 25,000 miles per person to travel from Boston to Alaska. The same flight cost us $288. After paying for our tickets, we received enough additional miles to travel for free to Sweden instead of Alaska!

A padlocked zipper tells thieves there's something in your bag worth stealing, but a key ring is much less obvious. Just use it to latch together the zippers. Best of all, you'll never have to worry about forgetting your combination.

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.

If your tablecloth is wet at dinner, you should prepare for rough seas. Restaurant staffers have been known to slightly dampen the tablecloth to keep plates and glasses from sliding.

When I called to book a hotel room in Budapest, I was offered a rate of $75 per night. After I told the concierge that I was looking for a room in the $35 range, he agreed to the lower price without much fuss. It sometimes pays to barter.

For the most comprehensive information regarding travel by train or by ship, check out seat61.com. I've found that the site has all sorts of helpful advice for Africa, Asia, Europe, and the Middle East.

To find a reasonably priced villa or apartment to rent, try going directly to the owner through a site such as abritel.fr. (Click on the British flag for English.) I arranged to spend two weeks in an apartment in Brittany and one week in an apartment in the Loire Valley, all for a total of $800.

When we visit places we think we might return to, we collect copies of free tourist magazines. At home, we write the address of each magazine on a postcard. Six to eight weeks before our return visit, we send out the cards asking for a current copy. The magazines are full of useful information.

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.