





As all travelers know, having a few credit cards, especially with reward programs, is a big boon, if not a must, for travelers. However, there are times in life when circumstances beyond one’s control severely impact one’s credit score, along with the ability to maintain the use of credit cards.
Credit scores have gone down in the past year. The average FICO score in the United States fell for the first time in over a decade due to the following reasons:
With lowered credit scores, obtaining credit cards with travel-worthy credit limits, terms, and conditions may not be easy. Once this happens, when the need for travel arises, one can be in a quandary of paying for flights, hotels, and other travel venues and services.
Here are some suggestions as to how to handle such a situation when faced with booking travel:
Traveling without a credit card is entirely possible with the right preparation and mindset. While credit cards offer convenience, rewards, and security, you can still explore the world using alternative payment methods. Here’s how to make it work:
A good debit card can serve as your primary payment method. Look for one that:
Traveling without a credit card requires more planning, a mix of payment methods, and financial discipline. But it’s doable! With the right debit card, mobile payment apps, and emergency cash, you can explore the world as freely as ever.
Is worldwide travel possible without a credit card? It would be difficult and require considerable time to figure out how to pay for travel services. In those cases, obtaining a prepaid credit card to add funds from a bank account as needed would be worthwhile. A prepaid credit card A prepaid credit card (often called a prepaid debit card or prepaid travel card) is a payment card that you load with money before using it. Unlike a regular credit card, it does not offer a credit line—you can only spend the amount you’ve preloaded onto the card.
During our travels, we use credit cards to pay for almost everything. However, from time to time, as in the case of booking directly through an owner we already know and trust, we may need to use a bank transfer or other means of transferring money outside the US.
Be well.
Photo from ten years ago today, January 30, 2015:
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Note: We do not receive compensation for mentioning Costco Travel
Recently, we booked four cruises through Costco Travel for several reasons, including:
See more below:
Booking travel through Costco Travel can be a great option, especially if you’re already a Costco member. Here’s why:
Costco negotiates discounts on hotels, rental cars, cruises, and vacation packages, often bundling in extras like resort credits, free breakfast, or complimentary room upgrades. These deals are only available to members, making them a great perk.
Many Costco Travel packages include Costco Shop Cards, which can be used for future Costco purchases, as well as perks like free airport transfers, daily resort credits, or waived resort fees.
Unlike some third-party travel sites, Costco Travel prices are straightforward. Taxes and fees are typically included upfront, so you won’t get hit with surprise charges later.
Costco offers vacation packages that include flights, hotels, and sometimes even rental cars—saving you the hassle of booking everything separately. This can also mean better pricing than booking each component individually.
Costco Travel offers some of the best rental car rates, often including a second driver for free (which is usually an extra charge with other providers). They work with brands like Alamo, Avis, Budget, and Enterprise, giving you flexibility.
Costco is known for good customer service, and its travel department is no exception. If something goes wrong with your booking, you have Costco’s backing, which can be helpful compared to dealing with an online booking site with limited support.
For those booking higher-end travel, Costco Travel often includes perks like room upgrades, late checkout, onboard cruise credits, or specialty dining packages—sometimes matching or exceeding what you’d get by booking directly with a hotel or cruise line.
Costco has a reputation for vetting its vendors carefully. If a travel deal is offered through Costco, you can generally trust that it’s a good value.
If you value simplicity, bundled deals, and extra perks, booking travel through Costco can be a fantastic option! Would you like recommendations for specific destinations?
In the past, we frequently used VacationstoGo.com, an excellent cruise booking service. However, when comparing overall benefits and pricing, Costco was a winner for us, even factoring in the price of their annual executive membership.
Be well.
Photo from ten years ago today, January 29, 2015:
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When researching travel news today, I encountered the following article, which might interest ice cream-favoring adults and families considering Las Vegas, Nevada, as a vacation option.
The Museum of Ice Cream announced it’s adding to its collection of five pop-ups and five permanent locations with its largest flagship destination. By Stacey Leasca, Published on January 28, 2025
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The sprinkle pool at the Museum of Ice Cream Las Vegas. Photo: Courtesy of Museum of Ice Cream
“Love a good scoop of ice cream? Then, it’s time to book a flight to Las Vegas.
On Tuesday, the Museum of Ice Cream announced it’s adding to its collection of five pop-ups and five permanent locations with its largest flagship destination, set to open in Las Vegas in 2026. Specifically, it’s opening as the new flagship family-friendly food and beverage destination at the AREA15 immersive entertainment district, and, according to the brand, it will also be its “most ambitious location” to date.
“AREA15 is built on immersive experiences, and Las Vegas is the Entertainment Capital of the World, making it the perfect location for the evolution of the Museum of Ice Cream. Since founding the Museum of Ice Cream, we’ve seen visionary designers like Bjarke Ingalls and Lionel Ohayon push the city into a new era of design, and we are excited to contribute to that legacy,” Maryellis Bunn, the museum’s co-founder and CEO, said. “Our Las Vegas flagship represents the pinnacle of our journey — blending design, hospitality, and participation in ways that balance family-friendly experiences by day and create a global nightlife destination by night.”
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The Museum of Ice Cream Las Vegas, the brand added in a statement shared with Travel + Leisure, “will redefine immersive entertainment, spanning nearly 30,000 square feet — three times the size of previous locations.” Its new location will include its iconic sprinkle pools, playgrounds, an epic ice cream buffet that the company is calling “the world’s first permanent, dedicated ice cream buffet,” costume parlors, and even an ice cream cake wedding chapel. And perhaps most fun of all, visitors can sleep over in its ice cream-themed hotel suites.
“We’ve been working toward opening in Las Vegas for over five years, and this marks a pivotal moment in our brand’s growth,” said Manish Vora, co-founder and co-CEO. “It comes on the heels of eight years of growth and millions of visitors served worldwide. We have watched the city evolve with groundbreaking attractions like the Sphere, Spiegelworld, and the Golden Knights at T-Mobile Arena. To bring a permanent version of the Museum of Ice Cream to Vegas, we knew we had to elevate everything — size, interactivity, gamification, and theatrics.”
While you can’t visit this new location just yet, you can visit one of the Museum of Ice Cream’s five permanent locations in Austin, Chicago, New York, Singapore, Miami, or Boston. You can also keep track of Vegas’ progress by signing up for updates on the Museum of Ice Cream’s website, museumoficecream.com.
Las Vegas might have a reputation as a party destination, but it also provides plenty of family-friendly venues and activities. Here are some great options:
Of course, adults or a family can keep themselves entertained for days with the events and venues listed above. However, parents (and adults) must prepare themselves for the exorbitant costs of participating in many of these offerings. The costs per person for the above events are listed on their websites and can be easily found online.
Since Richard moved to Las Vegas, we’ve been coming here for over 35 years. We’ve seen some of these but have little interest in spending hundreds of dollars on a single event. We’d rather spend our money on wildlife, nature, and cultural adventures worldwide.
Be well.
Photo from ten years ago today, January 28, 2015:
No photo was posted on this date ten years ago. The post may be found here.


As we approach the time when the pandemic began worldwide, as we were preparing to leave for India in 2020, I can’t help but easily recall the days leading to our departure from Phoenix after visiting with Tom’s sisters in Apache Junction for a few months.
Little did we know what was ahead, but according to a quote from our post on January 27, 2020, I think we’d already begun to prepare ourselves, in part, for what was yet to come. But, little did we know…
“Then, besides packing, we’re thinking a little about the Coronavirus, but not as much as some may. There have been only a few cases so far in India, and they’ve been testing all arriving passenger’s temperatures at all major airports. So far, they’ve sent 12 passengers back to China, refusing entry. Hopefully, this diligence will continue.
This morning, I purchased more wipes for our hands and surfaces that we’ll wipe down wherever we go, including the armrests and tray tables on both planes and all characters in our hotel room, including phone, remote, door handles, etc.
Today, our 100 disposable face masks will arrive from Amazon. I had difficulty finding them online, including on the Amazon site. We’d seen a news report in China where people lined up hundreds deep at a pharmacy, hoping to purchase face masks when they were almost sold out.
We’re taking every precaution and striving to be sensible and practical. However, if we had planned to visit China, then I am confident we would have felt the need to change our plans.
Last night, we hosted a happy hour for our neighbors and Tom’s family. We gathered around the outdoor table and enjoyed a few hours of lively conversation, snacks, and drinks.“
Here’s what was happening with Coronavirus in January 2020:
In January 2020, COVID-19 was in its early stages and primarily concentrated in Wuhan, China, where it was first identified in December 2019. Here’s a brief overview of the situation that month:
The outbreak’s true scale was underestimated at the time due to limited testing and understanding. By the end of the month, only a handful of cases had been reported in many countries, though the virus was already spreading undetected in some areas.
We’re so happy the pandemic is hopefully behind us all.
Be well.
Photo from ten years ago today, January 27, 2015:
We posted this video ten years ago today as we first became familiar with the Laysan Albatross nesting in a neighborhood near us. For more, please click here.


There are only 34 days until we leave Nevada for South Africa; with little activity happening on our end as I continue to recover from this two-week virus, we don’t have a lot of news to share. I should be back to normal within a week and be able to return to working out, after which I’ll feel even better.
My son Greg and his girlfriend Heather arrive here in 11 days, and I plan to be up to the flurry of activities that will ensue while they are here for five days. Once they leave, it will only be a few weeks until we start packing and preparing to depart. The month of February will fly by.
As a result, most of our upcoming posts will consist of the latest travel news that may impact your travel experiences, expenses, and booking processes. Unfortunately, I don’t have the time and stamina right now to delve into more detailed topics. Once we settle in Marloth Park, we’ll post stories and countless photos of the world around us. We can hardly wait.
One of our dear readers/friends, Lisa, wrote that we don’t have to be concerned about our readers judging our content. Few have said anything negative or pressured us to add more entertaining content during quiet times. Thanks, Lisa, for the vote of confidence. Of course, our goal is always to provide interesting and fun content.
For today’s bit of current travel news, this article may be of interest to those considering travel during Spring Break:
A variety of popular destinations are available. By Michael Cappetta
As cold winter temperatures cover much of the United States, airlines discount prices for spring break getaways.
American Airlines recently published hundreds of discounted airfares under $200, spanning the spring and early summer travel season. Best of all, the destinations include a variety of popular locations, including Cancun, Las Vegas, Miami, Orlando, Phoenix, and more.
Travel + Leisure spotted a variety of discounted fares including:
The airline also has several discounted flights to Miami, FL from Boston ($127), New York – LGA ($179), Washington – DCA ($158), and other locations throughout the winter and spring break season.
American Airlines has also discounted tickets to other popular spring break getaways, such as Los Angeles (LAX) to Tucson, AZ (TUS) for only $193, or Minneapolis, MN (MSP) to Destin, FL (VPS) for only $197.
While many flights depart from one of American’s hubs, such as Dallas or Philadelphia, travelers can use an interactive tool on the website to select their home airport and desired budget to find discounted flights. For example, when entering “Kansas City, MO,” travelers can see options to fly to Austin, Denver, New York – LGA, or more at a price under $200 round-trip.
For travelers looking to set sail on the sea during spring break, American Airlines Cruises division offers bonuses of up to 10,000 miles and other perks on select upcoming bookings. Travelers could also use the discounted domestic flights to save on tickets to and from a cruise port.
The Dallas, TX-based airline has also been marketing international flight promotions, including round-trip European tickets for under $500. The discounted flights come as American has also begun new European routes, including flights to Madrid.”
For our readers living outside the US, it may be worthwhile to investigate special Spring Break rates offered through airlines you may use most frequently in your country. However, some of these rates may apply if visiting the US is part of your travel plan.
Thanks again for stopping by.
Be well.
Photo from ten years ago today, January 26, 2015:
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On January 7, we posted new information about the UK requiring ETAs (electronic travel authorization) even when only flying through on a flight layover. This policy change would directly impact us when we fly to South Africa on March 1. See our post here.
We had noted the calendar to apply for the UK ETA in plenty of time for our upcoming flight in only 35 days. Now, we won’t have to.
Their new policy, which went into effect on January 8, 2025, received much criticism from flight passengers who never left the airport during a layover. According to the article below, the ETA for transit passenger layovers will not be required. However, all other listed requirements will remain the same.
Weirdly, the UK is proposing an increase in the ETA fees, established on January 8, as described below:
From Travel and Leisure
It also is proposing an increase in the fee just weeks after launch. By Alison Fox
The United Kingdom has proposed raising its electronic travel authorization (ETA) fee just weeks after it went into effect. Still, it will no longer require it for transit passengers not leaving the airport.
The ETA fee, which went into effect for most travelers on Jan. 8, including those from the United States, currently costs £10 ($12.28) to apply. However, the UK has proposed raising the cost to £16 ($19.65).
With that, the UK government said last week that travelers no longer need to pay if they do not pass through border control. (Which isn’t necessary for many layovers such as our case).
“As part of the government’s Plan for Change, ETAs will deliver a more streamlined, digital immigration system which will be quicker and more secure for the millions of people who pass through the UK border each year,” the Home Office wrote in a statement. “However, following feedback from the aviation industry, the government has agreed a temporary exemption for passengers who transit airside, and therefore do not pass through UK border control.”
Following the announcement, Willie Walsh, the director general of the International Air Transport Association (IATA), said he opposed the increase, calling the proposal and its timing “bewildering.”
“If implemented, it would be a self-inflicted blow to the UK’s tourism competitiveness,” Walsh said in a statement. “It’s time for the UK government to see the big picture. It has everything to gain by making the UK a more cost-competitive travel destination — including the substantial tax revenues that travelers generate. It makes no sense to discourage high-cost visitors even before they set foot in the country.”
Beyond the UK, the European Commission plans to roll out its own electronic authorization system, the European Travel Information and Authorisation System (ETIAS), sometime this year. The fee will be €7 ($7.27).
The US also has its own Electronic System for Travel Authorization (or ESTA), available to travelers from countries with a Visa Waiver Program. The application fee for ESTA is $21.
This is one less step required for our upcoming fight, although they list the layover exemption as temporary.
Be well.
Photo from ten years ago today, January 25, 2015:
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The most frustrating part of being sick with flu these past 11 days has been losing all the strength I’d acquired from working out since we arrived in Lake Las Vegas on December 18. I worked hard to build strength and stamina, and once I noticed the improvements, I got sick.
Sure, it entered my mind that I may have pushed myself too hard, but instead, I believe I caught it from the sick Uber driver when we went to dinner at Richard’s home weeks ago. Now, I am left with a cough and weakness. Soon, I will slowly begin to work out again and hope to rebuild my strength by the time we leave here for the airport to fly to South Africa in 37 days.
The time until we depart has passed quickly, and in a little over three weeks, I’ll start sorting and packing. Since I’ve lost weight and plan to keep it off, I have several clothing items to donate to Goodwill, along with the wheelchair I no longer need. We will call and make arrangements for pickup or drop the items off at a store next time we go out.
Yesterday, it was two weeks until son Greg and his girlfriend Heather will arrive for a visit. They will stay with Richard during their five-day visit. I am so excited to be with my sons and their significant others for the first time in many years. It’s a good thing I got sick when I did instead of when they were about to arrive.
With Tom’s help, we chopped and diced ingredients for Tom’s low-carb pizza, which we’ll cook tonight. We’re making enough for three nights. Last night, I roasted chicken thighs and legs for me, which I’ll have for the next few nights. All I have to do today is make a salad and put the ingredients on top of the two pizza crusts I made this morning.
Tom mostly cooked for himself while I was sick, while I had simple, light meals. One day, we made a batch of chicken salad for three dinners. It was easy, although I wasn’t able to do much. At least now, I’m feeling well enough to do a few things.
Sorry, I don’t have anything exciting to write about today. Hopefully, I’ll be myself again soon and be more enthusiastic about preparing posts.
Be well.
Photo from ten years ago, January 24, 2015:
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I stumbled across the following article, which may appeal to Americans (or others) who do not have a passport.
Americans without a passport can still travel to these tropical (and international) destinations. By Evie Carrick, Travel and LeisurePublished on January 22, 2025
“The US is the fourth largest country by land mass, with over 3.5 million square miles to explore. It’s home to 63 national parks and some of the most well-loved cities in the world. We’ve got Alaska for those looking for extreme wilderness and Hawaii for those looking for an island beach vacation.
America is so big that you could live your whole life without leaving the country — and many do. But you don’t need to limit yourself to the confines of the US just because you don’t have a passport or are waiting for a new one to arrive. There are several international destinations Americans can visit with no passport at all. (It’s worth noting that starting May 7, 2025, a Real ID will be required at TSA checkpoints. More on that here.)
American Samoa
To visit American Samoa without a passport, you must show your government-issued ID and a certified birth certificate demonstrating your nationality. You’ll also need a ticket for onward passage out of American Samoa or proof of employment there.
Guam
To visit Guam without a passport, you must book your flights through Honolulu first, as traveling through other major hubs like Tokyo or Seoul requires a passport. Then, you’ll need to show your government-issued ID and an original or certified copy of your birth certificate.
Puerto Rico
Traveling to Puerto Rico is different from traveling to Pennsylvania. US citizens wishing to visit the island nation must show their government-issued ID; no birth certificate is required.
US Virgin Islands
You’ll need a valid government-issued ID and birth certificate to visit the US Virgin Islands of St. Thomas, St. John, and St. Croix. According to some travel forums, the latter is not always required but is recommended if you’re asked to show proof of citizenship.
Northern Mariana Islands
Just northeast of Guam are 14 islands comprising the Northern Mariana Islands (The Marianas). Like Guam, to get to the islands without a passport, you must fly through Honolulu to avoid layovers in countries requiring passports. You can enter the Northern Mariana Islands with a government-issued ID and an original or certified birth certificate.
International Closed-loop Cruises
Another way to travel internationally without a passport is to book a “closed-loop cruise,” or a cruise that starts and ends at the same US port and only travels within the Western Hemisphere.
For example, a closed-loop cruise might depart from Miami and visit Bermuda or The Bahamas before returning to Miami (no passport required). However, you couldn’t leave Miami and travel to Panama before ending your cruise in San Diego. This trip requires a passport because the cruise doesn’t start and end at the same port of call.
On closed-loop cruises, you can bring along a government-issued ID and a government-issued birth certificate instead of a passport and still visit foreign countries like Belize, Canada, Costa Rica, Jamaica, and Mexico.
Of course, many of these situations can change quickly, and verifying this information in detail at least a month before you travel is imperative.
Be well.
Photo from ten years ago today, January 23, 2015:
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The reluctance of some travelers to get a passport often boils down to a combination of practicality, misconceptions, and personal preferences. Here are a few common reasons:
Many people live in countries like the US, which offer diverse landscapes, cultures, and experiences within their borders. From tropical beaches to snowy mountains, domestic travel can fulfill many people’s wanderlust without international exploration.
For example, Someone living in the US might see no reason to get a passport when they can visit the Grand Canyon, New York City, and Hawaii without leaving the country.
Getting a passport involves fees, paperwork, and time. The process may seem daunting or unnecessary for some if they don’t immediately need international travel.
Reflection: “Why spend money on a passport I may never use?” is a sentiment some hold, particularly if international travel feels like a distant dream.
International travel often involves navigating foreign languages, currencies, and customs. For some, this can feel overwhelming or intimidating.
Example: Someone might avoid getting a passport because they worry about culture shock or feeling out of place abroad.
Some people value the familiarity of their home environment and are hesitant to venture too far from what they know.
Reflection: “Why leave the comforts of home when everything I need is right here?” is a thought that may discourage passport applications.
If international travel isn’t a priority, getting a passport often falls to the bottom of the to-do list.
Example: A busy schedule or a lack of interest in far-flung destinations can make obtaining a passport feel unnecessary.
Some might believe that international travel is only for the wealthy or adventurous, which can create a psychological barrier to obtaining a passport.
Reflection: Shifting this mindset often starts with education and exposure to stories of travelers from all walks of life.
For those who have never experienced international travel, the value of a passport might not be immediately evident. However, once people travel abroad, they often realize how enriching it can be and wish they had started sooner.
While these reasons might make sense to those holding them, the beauty of having a passport is that it represents freedom and possibility—even if you don’t use it immediately. For those already in love with travel, encouraging someone to get a passport often starts with sharing the transformative experiences it can unlock.
Suppose you don’t have a passport and hesitate to apply for one, apprehensive of the process. In that case, you can get assistance from a passport processing company (added fees), local governmental offices, and FedEx and UPS stores (added fees).
Tomorrow, in Part 2, we will share some destinations outside the US that don’t require passports for entry. Please check back.
Be well.
Photo from ten years ago today, January 22, 2015:
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