u/Express-Plan-6067

First, please be nice. I rarely travel and I’ve only traveled once out of the country 8 years ago and that time I was with my family.

I am traveling to Sweden, Denmark, and Norway in 2 days. I will be gone for 9 days. I have 2 credit cards: A Capitol One Savor card with no FTC and my bank’s credit card, but I am gonna try not to use that one because that one will have fees on it. I also recently got a Schwab debit card in case I need to withdrawal cash. However I’m now starting to think of the what ifs and if something goes wrong with my credit cards, like if they get declined or stop working or if I exceed my credit card limits (I hope that doesn’t happen but I don’t really have high limits, my Capitol One is like $3000 and my other bank card is $1300). I’m wondering if I should add more money to my debit card just in case I need to use for something other than withdrawing cash. I *know* it’s smarter and safer to use credit cards but is it ok if I use my debit occasionally to pay for something? I was planning on locking it on the Schwab app when I’m not using it to prevent purchases. So if I’m relying on my debit card more than I thought I would, approximately how much money should I have on my card for those destinations and for being gone that long?

I’m going out of the country in less than a week. I was under the impression that Kaiser will cover true emergencies in other countries if you go to a hospital or urgent care, and that you pay at the time of service and then Kaiser will reimburse you after when you submit a claim. Should I rely on Kaiser to do that, or would it be safer to purchase my own travel insurance? I don’t travel a lot and am going to be out of the country for 9 days.

Basically what the title says. I don’t know if anyone actually uses or remembers how the wired earbuds feel anymore but I’ve used Apple wired earbuds practically my whole life (aside from some other wireless earbuds from another company that I lost a while ago) but now I want to buy AirPods for my upcoming trip and to have wireless earbuds in general. Based on what I’ve been reading, I don’t think I would like the pro 3s cause of the tips and so I’m leaning towards the 4 ANC. I don’t mind the way these wired earbuds feel or fit in my ear but wasn’t sure how similar they were to the 4 ANC. Also leaning towards 4 ANC cause I don’t feel like I need the extra stuff the pro 3s come with.