Fast Facts

American Express -- For 24-hour traveler's-check refunds and purchase information, call tel. 800/221-7282.

Area Codes -- All the Hawaiian Islands are in the 808 area code. Note that if you're calling one island from another, you have to dial "1-808" before the local number.

Automobile Organizations -- Motor clubs will supply maps, suggested routes, guidebooks, accident and bail-bond insurance, and emergency road service. The American Automobile Association (AAA) is the major auto club in the United States. If you belong to a motor club in your home country, inquire about AAA reciprocity before you leave. You may be able to join AAA even if you're not a member of a reciprocal club; to inquire, call AAA (tel. 800/222-4357; www.aaa.com). AAA is actually an organization of regional motor clubs, so look under "AAA Automobile Club" in the White Pages of the telephone directory. AAA has a nationwide emergency road service telephone number (tel. 800/AAA-HELP).

Business Hours -- Most offices are open Monday through Friday from 8am to 5pm. Bank hours are Monday through Thursday from 8:30am to 3pm and Friday from 8:30am to 6pm; some banks are open on Saturday as well. Shopping centers are open Monday through Friday from 10am to 9pm, Saturday from 10am to 5:30pm, and Sunday from noon to 5 or 6pm.

Drinking Laws -- The legal age for purchase and consumption of alcoholic beverages is 21; proof of age is required and often requested at bars, nightclubs, and restaurants, so it's always a good idea to bring ID when you go out.

Bars are allowed to stay open daily until 2am; places with cabaret licenses are able to keep the booze flowing until 4am. Grocery and convenience stores are allowed to sell beer, wine, and liquor 7 days a week.

Do not carry open containers of alcohol in your car or any public area that isn't zoned for alcohol consumption. The police can fine you on the spot. And nothing will ruin your trip faster than getting a citation for DUI ("driving under the influence"), so don't even think about driving while intoxicated.

Electricity -- Like Canada, the United States uses 110 to 120 volts AC (60 cycles), compared to 220 to 240 volts AC (50 cycles) in most of Europe, Australia, and New Zealand. Downward converters that change 220-240 volts to 110-120 volts are difficult to find in the United States, so bring one with you.

Embassies & Consulates -- All embassies are located in the nation's capital, Washington, D.C. Some consulates are located in major U.S. cities, and most nations have a mission to the United Nations in New York City. If your country isn't listed below, call for directory information in Washington, D.C. (tel. 202/555-1212), or check www.embassy.org/embassies.

The embassy of Australia is at 1601 Massachusetts Ave. NW, Washington, DC 20036 (tel. 202/797-3000; www.austemb.org). There are consulates in New York, Honolulu, Houston, Los Angeles, and San Francisco.

The embassy of Canada is at 501 Pennsylvania Ave. NW, Washington, DC 20001 (tel. 202/682-1740; www.canadianembassy.org). Other Canadian consulates are in Buffalo (New York), Detroit, Los Angeles, New York, and Seattle.

The embassy of Ireland is at 2234 Massachusetts Ave. NW, Washington, DC 20008 (tel. 202/462-3939; www.irelandemb.org). Irish consulates are in Boston, Chicago, New York, San Francisco, and other cities. See the website for a complete listing.

The embassy of New Zealand is at 37 Observatory Circle NW, Washington, DC 20008 (tel. 202/328-4800; www.nzembassy.com). New Zealand consulates are in Los Angeles, Salt Lake City, San Francisco, and Seattle.

The embassy of the United Kingdom is at 3100 Massachusetts Ave. NW, Washington, DC 20008 (tel. 202/588-7800; www.britainusa.com). Other British consulates are in Atlanta, Boston, Chicago, Cleveland, Houston, Los Angeles, New York, San Francisco, and Seattle.

Emergencies -- Dial tel. 911 for police, fire, or ambulance.

Gasoline (Petrol) -- At press time, in the U.S., the cost of gasoline (also known as gas, but never petrol), is abnormally high. At this writing, average prices for regular gas in Hawaii range from $3.56 in Honolulu to $3.95 on Maui and a whopping $4.62 on Lanai. Note that taxes are already included in the printed price. One U.S. gallon equals 3.8 liters or .85 imperial gallons. Fill-up locations are known as gas or service stations.

Holidays -- Banks, government offices, post offices, and many stores, restaurants, and museums are closed on the following legal national holidays: January 1 (New Year's Day), the third Monday in January (Martin Luther King, Jr., Day), the third Monday in February (Presidents' Day), the last Monday in May (Memorial Day), July 4 (Independence Day), the first Monday in September (Labor Day), the second Monday in October (Columbus Day), November 11 (Veterans' Day/Armistice Day), the fourth Thursday in November (Thanksgiving Day), and December 25 (Christmas). The Tuesday after the first Monday in November is Election Day, a federal government holiday in presidential-election years (held every 4 years, and next in 2008).

State and county offices are also closed on local holidays.

Insurance -- Medical Insurance -- Although it's not required of travelers, health insurance is highly recommended. Most health insurance policies cover you if you get sick away from home -- but check your coverage before you leave.

International visitors to the U.S. should note that, unlike many European countries, the United States does not usually offer free or low-cost medical care to its citizens or visitors. Doctors and hospitals are expensive and, in most cases, will require advance payment or proof of coverage before they render their services. Good policies will cover the costs of an accident, repatriation, or death. Packages such as Europ Assistance's "Worldwide Healthcare Plan" are sold by European automobile clubs and travel agencies at attractive rates. Worldwide Assistance Services, Inc. (tel. 800/777-8710; www.worldwideassistance.com), is the agent for Europ Assistance in the United States. Though lack of health insurance may prevent you from being admitted to a hospital in nonemergencies, don't worry about being left on a street corner to die: The American way is to fix you now and bill the daylights out of you later.

If you're ever hospitalized more than 150 miles from home, MedjetAssist (tel. 800/527-7478; www.medjetassistance.com) will pick you up and fly you to the hospital of your choice in a medically equipped and staffed aircraft 24 hours day, 7 days a week. Annual memberships are $225 individual, $350 family; you can also purchase short-term memberships.

Citizens of Canada should check with their provincial health plan offices or call Health Canada (tel. 866/225-0709; www.hc-sc.gc.ca) to find out the extent of their coverage and what documentation and receipts they must take home in case they are treated in the United States.

Travelers from the U.K. should carry their European Health Insurance Card (EHIC), which replaced the E111 form as proof of entitlement to free/reduced-cost medical treatment abroad (tel. 0845 606 2030; www.ehic.org.uk). Note, however, that the EHIC covers only "necessary medical treatment," and for repatriation costs, lost money, baggage, or cancellation, travel insurance from a reputable company should always be sought (www.travelinsuranceweb.com).

Travel Insurance -- The cost of travel insurance varies widely, depending on the destination, the cost and length of your trip, your age and health, and the type of trip you're taking, but expect to pay between 5% and 8% of the vacation itself. You can get estimates from various providers through InsureMyTrip.com. Enter your trip cost and dates, your age, and other information, for prices from more than a dozen companies.

U.K. citizens and their families who make more than one trip abroad per year may find that an annual travel insurance policy works out cheaper. Check www.moneysupermarket.com, which compares prices across a wide range of providers for single-trip and multitrip policies.

Most big travel agents offer their own insurance and will probably try to sell you their package when you book a holiday. Think before you sign. Britain's Consumers' Association recommends that you insist on seeing the policy and reading the fine print before buying travel insurance. The Association of British Insurers (tel. 020/7600-3333; www.abi.org.uk) gives advice by phone and publishes Holiday Insurance, a free guide to policy provisions and prices. You might also shop around for better deals: Try Columbus Direct (tel. 0870/033-9988; www.columbusdirect.net).

Trip-Cancellation Insurance -- Trip-cancellation insurance will help retrieve your money if you have to back out of a trip or depart early, or if your travel supplier goes bankrupt. Trip cancellation traditionally covers such events as sickness, natural disasters, and State Department advisories. The latest news in trip-cancellation insurance is the availability of expanded hurricane coverage and the "any-reason" cancellation coverage -- which costs more but covers cancellations made for any reason. You won't get back 100% of your prepaid trip cost, but you'll be refunded a substantial portion. TravelSafe (tel. 888/885-7233; www.travelsafe.com) offers both types of coverage. Expedia also offers any-reason cancellation coverage for its air/hotel packages. For details, contact one of the following recommended insurers: Access America (tel. 866/807-3982; www.accessamerica.com), Travel Guard International (tel. 800/826-4919; www.travelguard.com), Travel Insured International (tel. 800/243-3174; www.travelinsured.com), or Travelex Insurance Services (tel. 888/457-4602; www.travelex-insurance.com).

Internet Access -- On every island, branches of the Hawaii State Public Library System have free computers with Internet access. To find your closest library or to reserve a computer, check www.librarieshawaii.org/services/pcreservation1.htm. There is no charge for use of the computers, but you must have a Hawaii library card, which is free to Hawaii residents and members of the military. Visitors have a choice of two types of cards: a $25 nonresident card that is good for 5 years (and may be renewed for an additional $25) or a $10 visitor card ($5 for children 18 and under) that is good for 3 months but may not be renewed. To download an application for a library card, go to www.librarieshawaii.org/services/libcard.htm.

To find Internet cafes in your destination, check www.cybercaptive.com or www.cybercafe.com.

If you have your own laptop, every Starbucks in Hawaii has Wi-Fi. For a list of locations, go to www.starbucks.com/retail/find/default.aspx. To find other public Wi-Fi hotspots in your destination, go to www.jiwire.com; its Hotspot Finder holds the world's largest directory of public wireless hotspots.

Legal Aid -- If you are "pulled over" for a minor infraction (such as speeding), never attempt to pay the fine directly to a police officer; this could be construed as attempted bribery, a much more serious crime. Pay fines by mail, or directly into the hands of the clerk of the court. If accused of a more serious offense, say and do nothing before consulting a lawyer. Here the burden is on the state to prove a person's guilt beyond a reasonable doubt, and everyone has the right to remain silent, whether he or she is suspected of a crime or actually arrested. Once arrested, a person can make one telephone call to a party of his or her choice. International visitors should call their embassy or consulate.

Lost & Found -- Be sure to tell all of your credit card companies the minute you discover your wallet has been lost or stolen, and file a report at the nearest police precinct. Your credit card company or insurer may require a police report number or record of the loss. Most credit card companies have an emergency toll-free number to call if your card is lost or stolen; they may be able to wire you a cash advance immediately or deliver an emergency credit card in a day or two. Visa's U.S. emergency number is tel. 800/847-2911 or 410/581-9994. American Express cardholders and traveler's-check holders should call tel. 800/221-7282. MasterCard holders should call tel. 800/307-7309 or 636/722-7111. For other credit cards, call the toll-free number directory at tel. 800/555-1212.

If you need emergency cash over the weekend when all banks and American Express offices are closed, you can have money wired to you via Western Union (tel. 800/325-6000; www.westernunion.com).

Medical Conditions -- If you have a medical condition that requires syringe-administered medications, carry a valid signed prescription from your physician; syringes in carry-on baggage will be inspected. Insulin in any form should have the proper pharmaceutical documentation. If you have a disease that requires treatment with narcotics, you should also carry documented proof with you -- smuggling narcotics aboard a plane carries severe penalties in the U.S. For HIV-positive visitors, requirements for entering the United States are somewhat vague and change frequently. For up-to-the-minute information, contact AIDSinfo (tel. 800/448-0440, or 301/519-6616 outside the U.S.; www.aidsinfo.nih.gov) or the Gay Men's Health Crisis (tel. 212/367-1000; www.gmhc.org).

Newspapers & Magazines -- Daily newspapers in Hawaii are as follows: on Oahu, the Honolulu Advertiser (www.honoluluadvertiser.com) and the Honolulu Star-Bulletin (www.honolulustarbulletin.com); on the Big Island, West Hawaii Today (www.westhawaiitoday.com) for the Kailua/Kona side, and the Hawaii Tribune-Herald (www.hilohawaiitribune.com) for the Hilo/Puna side; on Maui, the Maui News (www.mauinews.com); and on Kauai, the Garden Island (www.kauaiworld.com).

Publications for visitors include This Week Oahu, This Week Big Island, This Week Maui, and This Week Kauai (www.thisweek.com); Oahu Visitor Magazine, Big Island Visitor Magazine, Maui Visitor Magazine, and Kauai Visitor Magazine (www.visitormagazines.com); and 101 Things to Do (with separate versions for Oahu, Big Island, Maui, and Kauai).

Lifestyle magazines include Honolulu Magazine (www.honolulumagazine.com), while business publications include Pacific Business News (www.bizjournals.com/pacific) and Hawaii Business (www.hawaiibusiness.com).

Passports -- The websites listed provide downloadable passport applications as well as the current fees for processing applications. For an up-to-date, country-by-country listing of passport requirements around the world, go to the "International Travel" tab of the U.S. State Department at http://travel.state.gov. International visitors to the U.S. can obtain a visa application at the same website. Note: Children are required to present a passport when entering the United States at airports. More information on obtaining a passport for a minor can be found at http://travel.state.gov. Allow plenty of time before your trip to apply for a passport; processing normally takes 4 to 6 weeks (3 weeks for expedited service) but can take longer during busy periods (especially spring). And keep in mind that if you need a passport in a hurry, you'll pay a higher processing fee.

For Residents of Australia -- You can pick up an application from your local post office or any branch of Passports Australia, but you must schedule an interview at the passport office to present your application materials. Call the Australian Passport Information Service at tel. 131-232, or visit the government website at www.passports.gov.au.

For Residents of Canada -- Passport applications are available at travel agencies throughout Canada or from the central Passport Office, Department of Foreign Affairs and International Trade, Ottawa, ON K1A 0G3 (tel. 800/567-6868; www.ppt.gc.ca). Note: Canadian children who travel must have their own passport. However, if you hold a valid Canadian passport issued before December 11, 2001, that bears the name of your child, the passport remains valid for you and your child until it expires.

For Residents of Ireland -- You can apply for a 10-year passport at the Passport Office, Setanta Centre, Molesworth Street, Dublin 2 (tel. 01/671-1633; www.irlgov.ie/iveagh). Those under age 18 and over 65 must apply for a 3-year passport. You can also apply at 1A South Mall, Cork (tel. 21/494-4700), or at most main post offices.

For Residents of New Zealand -- You can pick up a passport application at any New Zealand Passports Office or download it from the website. Contact the Passports Office at tel. 0800/225-050 (in New Zealand) or 04/474-8100, or log on to www.passports.govt.nz.

For Residents of the United Kingdom -- To pick up an application for a standard 10-year passport (5-year passport for children under 16), visit your nearest passport office, major post office, or travel agency, or contact the United Kingdom Passport Service at tel. 0870/521-0410 or go to www.ukpa.gov.uk.

Police -- Dial tel. 911 for police.

Smoking -- It's against the law to smoke in public buildings, including airports, shopping malls, grocery stores, retail shops, buses, movie theaters, banks, convention facilities, and all government buildings and facilities. There is no smoking in restaurants, bars, and nightclubs. Most bed-and-breakfasts prohibit smoking indoors, and more and more hotels and resorts are becoming nonsmoking even in public areas. Also, there is no smoking within 20 feet of a doorway, window, or ventilation intake (so no hanging around outside a bar to smoke -- you must go 20 ft. away).

Taxes -- The United States has no value-added tax (VAT) or other indirect tax at the national level. Every state, county, and city may levy its own local tax on all purchases, including hotel and restaurant checks and airline tickets. Hawaii state general excise tax is 4%, and the City and County of Honolulu (which is the entire island of Oahu) adds an additional .5% on anything purchased there. Hotel tax is 11.4%. These taxes will not appear on price tags.

Telegraph, Telex & Fax -- Telegraph and telex services are provided primarily by Western Union (tel. 800/325-6000; www.westernunion.com). You can telegraph (wire) money, or have it telegraphed to you, very quickly over the Western Union system, but this service can cost as much as 15% to 20% of the amount sent.

Most hotels have fax machines available for guests' use (be sure to ask about the charge to use it). Many hotel rooms are wired for guests' fax machines. A less expensive way to send and receive faxes may be at stores such as the UPS Store (formerly Mail Boxes Etc.).

Time -- The continental United States is divided into four time zones: Eastern Standard Time (EST), Central Standard Time (CST), Mountain Standard Time (MST), and Pacific Standard Time (PST). Alaska and Hawaii have their own zones. For example, when it's 9am in Los Angeles (PST), it's 7am in Honolulu (HST), 10am in Denver (MST), 11am in Chicago (CST), noon in New York City (EST), 5pm in London (GMT), and 2am the next day in Sydney.

Daylight saving time is in effect from 2am on the second Sunday in March to 2am on the first Sunday in November, except in Arizona, Hawaii, the U.S. Virgin Islands, and Puerto Rico. Daylight saving time moves the clock 1 hour ahead of standard time. Note that when the rest of the U.S. observes daylight saving time, Hawaii is 3 hours behind the West Coast and 6 hours behind the East Coast.

Tipping -- Tips are a very important part of certain workers' income, and gratuities are the standard way of showing appreciation for services provided. (Tipping is certainly not compulsory if the service is poor!) In hotels, tip bellhops at least $1 per bag ($2-$3 if you have a lot of luggage) and tip the chamber staff $1 to $2 per day (more if you've left a disaster area for him or her to clean up). Tip the doorman or concierge only if he or she has provided you with some specific service (for example, calling a cab for you or obtaining difficult-to-get theater tickets). Tip the valet-parking attendant $1 every time you get your car.

In restaurants, bars, and nightclubs, tip service staff 15% to 20% of the check, tip bartenders 10% to 15%, tip checkroom attendants $1 per garment, and tip valet-parking attendants $1 per vehicle.

As for other service personnel, tip cab drivers 15% of the fare, tip skycaps at airports at least $1 per bag ($2-$3 if you have a lot of luggage), and tip hairdressers and barbers 15% to 20%.

Toilets -- You won't find public toilets or "restrooms" on the streets in most U.S. cities but they can be found in hotel lobbies, bars, restaurants, museums, department stores, bus stations, and service stations. Large hotels and fast-food restaurants are often the best bet for clean facilities. Restaurants and bars in resorts or heavily visited areas may reserve their restrooms for patrons.

Visas -- For information on U.S. visas, go to http://travel.state.gov and click on "Visas." Or go to one of the following websites:

Australian citizens can obtain up-to-date visa information from the U.S. Embassy Canberra, Moonah Place, Yarralumla, ACT 2600 (tel. 02/6214-5600), or by checking the U.S. Diplomatic Mission's website at http://usembassy-australia.state.gov/consular.

British subjects can obtain up-to-date visa information by calling the U.S. Embassy Visa Information Line (tel. 0891/200-290) or by visiting the "Visas to the U.S." section of the American Embassy London's website at www.usembassy.org.uk.

Irish citizens can obtain up-to-date visa information through the Embassy of the USA Dublin, 42 Elgin Rd., Dublin 4, Ireland (tel. 353/1-668-8777), or by checking the "Consular Services" section of the website at http://dublin.usembassy.gov.

Citizens of New Zealand can obtain up-to-date visa information by contacting the U.S. Embassy New Zealand, 29 Fitzherbert Terrace, Thorndon, Wellington (tel. 644/472-2068), or get the information directly from the website at http://wellington.usembassy.gov.