|Subject: Re: Bali and Hong Kong - money questions|
For almost all countries in this part of the world you get the best deal by using local ATMs.
US dollars have a pretty high exchange rate attached to them. ATMs that accept NA cards are slightly fewer in Bali but you can still find them whereever you go and the bank rate is better than a moneychanger on the street (which is usually better than Indonesian banks). Travellers cheques aren't necessary and often aren't accepted in the smaller places.
In HK - definitely use the ATMs (one on practically every corner in the urban areas).
If you'd like a GTG when you come to HK - just tell me when you are coming!
Cheers! Judy in Hong Kong