Pay for Dream Vacation with a GHS FCU VisaWe asked members of the Forbes Finance Council what to do before going off to enjoy a vacation. The advice given may put your mind at ease and protect your assets so that you can have a vacation with fewer financial worries. 

Be Savvy About Your Social Media
Save the posts for when you return. If you haven’t, place credit freezes with the three major bureaus. Have separate email accounts for personal, retailers and financial matters. Set up two-step verifications on financial sites, and use a complicated password that changes from site to site. Giving your advisor discretion may not necessarily help you avoid a downturn, but it could capture an opportunity in a market event. – Paul EwingProsperity Advisory Group 

Ensure You’re Insured
Traveling abroad is one of life’s great pleasures, but it comes with risks many underestimate. Before you embark, speak to your insurance broker about health coverage. Pay close attention not just to coverage limits but how expenses are paid in the event of an emergency. Many hospitals overseas won’t accept U.S. insurance, insisting on payment for the full amount of your stay up front. Be prepared. – Ismael WrixenFE International

Plan Out Your Portfolio
Individual investors are served best with a long-term view. Discuss your vacation plans with your broker, if you have one, and make sure they can still reach you in the case of an emergency. Additionally, there are plenty of apps that allow you to manage your portfolio in real time over the internet. However, invest in positions you believe will be profitable for longer than your summer vacation. – Atish DavdaEquityZen

Have a Plan for Your Cash
It’s easy to use a credit card, but if someone got a hold of your card while on vacation, you could be left with few alternatives. Plan enough cash for emergency use but not so much that you put yourself at risk. Keep excess cash in the safe in your hotel and bring enough each day for an emergency. It’s important to also carry this separate from your credit cards to minimize the risk of theft. – Scott KarstensNFG Brokerage

Protect Your Money
There are a few very simple tasks you can do to protect your money and also make sure you have access to it: Make sure that your health insurance will protect you while traveling and/or look into travel insurance, an don’t bring more credit cards than you need. Have a travel card to save on fees if traveling overseas. Let your credit card company know where you will be traveling to avoid unnecessary credit card freezes. – Scott BishopSTA Wealth Management