The guys that say to use your plastic are absolutely right. When traveling outside of the USA I make sure that I have two accounts and multiple cards, just in case. I have seen accounts get shut off because the computer detected "abnormal" traveling so it's nice to have a backup.
I used to carry travelers checks but after a bad experience with AMEX in Mexico I gave up on that.
Stash your cash in at least 3 places - wallet, bike, and luggage. Keep plastic and some cash on your person in case you get separated from your bike.
Money belts work. So do wallets on a strap around your neck. That is where I usually carry my passport and extra ID and some cash.