Rubles:
We’re a little hesitant to use cash machines – trying to keep from getting CC/debit card #’s lifted. Do many of you purchase rubles before you get there? We usually travel with USD travelers checks. Any issues in doing exchange at hotel or some of the exchange companies?
You shouldn't have a problem using ATMs (bank-o-mat) in Russia. The transaction can also be completed in English. If the ATM offers the option to give you money in small bills, take it. It can be very difficult to pay with large ruble bills.