In Reply to: 1st timer cash or card? posted by jotwentytwo on Thursday, 24. May 2012 at 13:24 Bali Time:
change it in $100 lots at reputable money exchange places. Keep it in the safe at your hotel and hopefully it will be safe. I have never had a problem. Travel insurance will replace a certain amt of cash.
ATMs etc incur foreign exchange fees and you always run the risk of losing your card in a machine or leaving it at the ATM.
That is my opinion anyway