Travel agents can save you money and time, but you shouldn't take every bit of advice they give at face value.

Here are 10 of the worst tips we've heard from travel agents — and how to steer clear of this bad advice.

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1. Assume That ...

As my grandmother used to say, "Never assume, as you can make an 'ass' out of 'u' and 'me.'" Just because your travel agent assumes something doesn't mean it's true. Get all the details, terms and conditions of your trip in writing.

2. You'll Love It

Well ... maybe or maybe not. Yes, your travel agent and a host of his or her clients might love a particular destination, hotel or restaurant, but it's not a given that you will, too. Do some of your own research about your agent's recommendations to be sure they fit with your picture of a dream vacation.

3. They Take Credit Cards

Even in this technology-driven age, credit cards aren't accepted everywhere. What's more, using your cards abroad can result in all kinds of fees. Research which credit cards offer the best terms, and plan on having them as part of a mix that includes a few U.S. dollars, a little of the local currency, some travelers checks and your ATM card.

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4. Everyone Speaks English

Everyone? Really? Probably not. If you're traveling abroad, it never hurts to brush up on a few niceties in the local language. Or get with the 21st century by downloading iTranslate, a free app available at the iTunes Store and Google Play. It automatically translates whatever you say into your smartphone.

5. It's Perfectly Safe

Famous last words. Check out what the U.S. Department of State has to say before you travel. Its website will give you up-to-date information on safety, crime, health and other concerns.