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That's a great list. Super complete. One thing that I thought about was the phone. if you have an unlocked phone (often you can simply get your current phone unlocked by your carrier) you can buy a local sim and a prepaid plan. In Spain, I used Yoigo. The kid at the store would change the sim and set up the phone. Usually you can recharge the account online. You get to keep all of the normal functions of the phone, including data, and it is pretty cheap.
you can buy a local sim
through Charles Schwab, they have a refund program on any ATM fees you receive
Biggest problem is electric plug ins. They are different in England and Italy.
in the vicinity of 10 percent here in Germany
electrical conversion plugs
The Schwab debit card can be used as chip and pin.I think I can enable it on my Visa credit card as well, but I've never needed it.
But, generally, if you do tip, it shouldn't be anywhere near what you tip in the U.S. Servers are actually paid a wage, whereas the nice lady in the Kansas coffee shop lives almost entirely on tips.
...road rules vary...
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