Foreign Perspectives

Archive for the ‘Places’ Category

Although you might expect America to be just like a version of England it turns out that it’s very different in a number of areas, notably in terms of financial sophistication.

One very important point to note from the outset is that foreign exchange is not something that American banks generally deal with. Whilst in England you can change foreign currency in any bank, you can only do that in the largest of branches in America. Also worth noting is that ATMs aren’t as common in America as they are in the UK and you won’t be able to use a cash-back facility so it’s worth carrying, say, $100 in cash.

That lack of foreign exchange facilities means that you must take cash in American dollars. These come in $1, $5, $10, $20, $50 and $100 notes (“bills”) with each one being the same shape, size and colour so you need to look at the amount printed on them. You do get used to that lack of difference quite quickly. The dollar is divided into 100 cents and these come in 25c (“quarter”), 10c (“dime”), 5c (“nickel”) and 1c pieces. There are $1 coins but these are very unpopular and hence rare. It’s handy to take about $100 in cash (preferably in a mix of 10s and 20s); this is available commission (but not charge) free at the Post Office. The downside of cash is that if it’s stolen, it’s gone as holiday insurance rarely covers cash to any significant amount so if you are taking it, limit the amount to $100 or so. If you buy foreign currency on a card, it counts as a cash advance with all the charges that implies.

Travellers cheques (or, in America, “travelers checks”) are much better than cash in that they can be replaced fairly easily if stolen (keep a note of the numbers, date bought and where you bought them). However, they are equally expensive to purchase and there is often a charge to cash them too. In America you can use dollar cheques as though they were cash in shops (even where they say “no checks accepted”). If you have any left over after your holiday, keep them rather than cash them in your bank as you can use them later (there is no expiry date) and this will save you paying the commission again. If you buy travellers cheques on a card, it counts as a cash advance with all the charges that implies. Make sure that your travellers cheques come with the Visa or Mastercard or American Express brands as others may not be accepted.

Credit/Charge cards are used nearly everywhere these days. If you don’t have a card already, you should get one (Visa or Mastercard) even if you only plan to use it for emergencies. Bear in mind that not everywhere accepts them though and also that not all places take both Visa and Mastercard. If pushed, you can get cash on these cards either in an ATM or over the counter in a bank but save this for emergencies only as you’ll get charged a cash advance fee, currency conversion fee and interest. The exchange rate used is much better than you’ll get for either cash or travellers cheques. You will need a credit or charge card to hire a car and to reserve hotel rooms.

Debit cards are almost always branded Visa/Electron/Plus or Mastercard/Maestro/Cirrus and work in the corresponding systems however sometimes you may be issued with a card which can only be used in your own country: check that one of the Visa/Electron/Plus or Mastercard/Maestro/Cirrus symbols are on your card as if they aren’t you probably can’t use the card internationally. Charges are as per credit cards except that you don’t get charged interest on cash advances.

Cash cards are often limited to the country in which they are issued but if they have a Plus or Cirrus symbol on them, you can use them abroad too. Charges are usually the same as for debit cards in ATMs. The principle advantage of having a cash card is that they are a lot less attractive for thieves as they can’t be used without the PIN.

Prepaid cards are becoming increasingly popular with CaxtonFX and FairFX offering excellent value. Both offer cards denominated in dollars, euros and sterling. For travel to America take either the dollar or the sterling cards. Charges on both are broadly similar with Caxton taking a £10 charge (refunded) upfront and having a minimum top-up of £100 whilst FairFX charges a non-refundable £9.95 (but free by clicking on the link here) and have a minimum top-up of £10.

As well as the above options you also have a choice of providers of the various methods of payment. Travellers cheques may be offered “commission free” by your bank (and the UK Post Office), although note that this is not the same as “free”.

If you use one of the banks within the Global Alliance banks (BNPParibas, Bank of Nova Scotia, Bank of America, Barclays, Deutsche Bank and Westpac) you can use machines from one of the other Global Alliance banks without transaction charges (currency conversion fees still apply).

This article is part of our series on holiday planning which covers things like how to book your holiday, how to take your holiday money, what to pack, etc.

It’s been a long time since we’ve mentioned anything of consequence about France.

The main reason is that there’s nothing much of note happening. Having said that, over the past few months we’ve had a growing level of interest in Mas Camps with three or four more interested parties having a look at the place. The latest one is offering a mixture of cash and a house which seems interesting if a little complicated financially and legally.

Alongside that we’ve had the usual run of bills from assorted arms of the French government who don’t seem to be able to fully grasp the concept that we’re no longer living in France. One particularly interesting one is for a tax that’s only payable if you’re living in France for which they’ve managed to change the address to an “interesting” (read: barely legible) version of our home address here ie they know that we’re not living there yet still sent a bill for a tax that would only be payable if we were!

It appears too that the rumoured bypass of the village is going ahead with the new road to be finishing up not too far from our front door.

The Connswater greenway is a project which will, over the course of the next two or three years, link up pretty much all of the existing smattering of parks and walkways from the Titanic quarter through to the Castlereagh hills.

Although it’s an area that I’ve been in and around for most of my life their booklet highlights a whole bunch of things that I never knew existed. In fact, it comes across as a much more interesting area than you would expect, picking out as it does interests ranging from George Best’s home and Van Morrison’s home and haunts through to a 400 year old bridge in what it a fairly compact area.

That bridge is the most surprising for me as I went to school right beside it yet never knew of its existence until Wednesday morning! To be fair, it doesn’t look that impressive these days but then ancient footbridges rarely do and this one crosses the river at a point where the flow tends to collect a whole heap of junk ranging from fallen branches through to the Tesco trolley which seem to get everywhere these days.

Whilst the majority of the open spaces exist already, many of them have seen better days and the walkways have generally fallen into disuse over the years. Thus one of the major tasks of the project is to spruce up what’s already there which is no small task given the span of the greenway. This will include re-routing some of the stretches of river to both create a more typical meandering look and to sort out the flooding problem that arises along some sections of the rivers. In addition to all the prettying up the playgrounds scattered along the route will have their numbers increased somewhat and upgrades to those that are already there.

One of the most staggering figures that was quoted in the presentation on Wednesday was that over 50% of the population in the area is “economically inactive” ie there’s a very high level of unemployment. Whilst this project won’t directly change that, it should help to pretty up the area substantially which may in turn attract more businesses to move to what was once an area with close to 100% employment thanks to the shipyard, aircraft factory and all the supporting businesses which they drew in.

Friday was Culture Night in Belfast which means a very, very packed night of entertainment all over the city and all free too.

We took the opportunity to finish off some things that we didn’t manage to fit in to the Heritage Weekend earlier in the month. The easy way to include them turned out to be to go on one of the three Community Taster Tours. The listing for these was a little confusing in the booklet about the culture night but it turned out that there were three entirely different tours to choose from, each lasting three hours.

For our purposes the 4pm tour seemed best in that it included the Titanic pump house which we’d missed out on earlier and which normally has a very confusing car parking arrangement that seems best avoided. Surprisingly the tours weren’t anything like fully booked and we found ourselves on an open top bus that didn’t even have a dozen people on it.

Frankly the pump house was a major disappointment. Effectively it’s a small, very overpriced, cafe with one stand containing an assortment of Titanic gifts and a dozen or so panels about various aspects of the Titanic spaced around a very bare room. Next stop was the Engine Room Gallery which is nowhere near the Titanic area as you might expect but instead at Hollywood Arches.

From there we were off to what was supposed to be an Ulster Scots event at the Spectrum Centre on the Shankill Road. Unfortunately the organisation fell apart at that point so we only saw the Lambeg drummer and didn’t see the highland dancing, the flute band nor the lone piper.

Finally, it was on to the Indian Community Centre where they were rather optimistic about the amount that could be included in the short time available. Thus we missed out on the henna and sari demonstration, Hindi class information, Indian dance and musical performance and we just about managed to fit in the Indian tea, food and snacks.

Although three hours seemed like an awfully long time for a bus tour round Belfast when we read about it in the brochure, in practice the time just flew in and really it needed to be around twice as long to do justice to everything but then that’s only to be expected of a taster tour. In fact, it was almost perfect as a taster and has highlighted a couple of places that we will be revisiting at the next opportunity.

By the time we got back, it was almost the perfect time to go on the tour round the offices of the Belfast Telegraph. No smell of fire and brimstone as you sort-of expect from seeing newspaper back-offices in movies but rather a very automated newspaper production factory. Sadly we didn’t get to see the presses running as they don’t kick off ’til a couple of hours after the tours finish but a very interesting tour nonetheless and the hour just flew in.

Both the little guys were running on empty by this point so we finished off with a brief look round some of the activities going on before heading home.

We’ve had a Decathlon card since our time living in France but since we’re into our second year back here we’ve obviously not used it for a while. Almost two years in fact.

Anyway, Belfast happens to be one of the first places that Decathlon has opened a UK store so we thought we’d pop in. It’s very much a French Decathlon that happens to be in Belfast with seemingly all the same products and even the very same trollies which, of course, can’t be used as they need a euro in them rather than a pound. Even the prices seem much the same which makes it one of the more expensive stores around unless you pick something up on one of their 60%+ off opening offers.

Amazingly it’s even French to the point of being able to use my French Decathlon card which is a level of internationalisation that’s very, very rarely seen which is quite a surprise. The website isn’t 100% in English yet but I managed to change the address of the card to here which is also something that’s rarely considered when a company goes international.