<p>I’ve traveled in Western Europe for more than 30 years and have always taken sensible precautions and have never had anything stolen. Some things I do or have done with family. </p>
<p>I carry cash and several different credit cards. (Call credit card companies beforehand and let them know that you will be using the card abroad).</p>
<p>We divide cards between H & I so if one of us loses wallet, all our cards are not compromised.</p>
<p>If we have a coat/pants that we might want to carry valuables in, I sew velcro strips on the opening. Impossible to open without making a noise.</p>
<p>I use a purse with a zipper and put a large safety pin just behind the zipper pull so that it is hard to open/difficult to pick. I put the strap over my shoulder, purse on building (not street side), and firmly tucked under my arm or in front of me. I never use a backpack. If I’m wearing a coat, I generally put the purse underneath.</p>
<p>I also use the zipper technique on checked luggage that you can no longer lock (if you don’t want to use those disposable ties).</p>
<p>I keep a copy of my passport in my luggage, and leave a copy of passports/credit cards at home.</p>
<p>I never use travelers checks any more. I get money from an ATM. The exchange rate is generally better. Sometimes you have to go to 2/3 machines but I’ve never been unable to find one. </p>
<p>I keep my camera in my purse except when I’m actually taking pictures and try not to use my map except in places like a cafe/store, not just on the street so I don’t look like a tourist.</p>