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A few years ago, an expat friend of mine asked if I could transport some cash to her passport country, to which I was traveling. I agreed, not thinking much of it. Since we were both incredibly underpaid English teachers at that time, I expected that she would be sending only a few hundred dollars back with me. What she gave me was several thousand dollars, all in cash. I was paranoid during the trip, carrying the cash in my pocket to prevent it from being stolen. I was so nervous that I found it difficult to sleep on the long flight. I wasn’t robbed, but I wish I knew then what I know now.
Knowing how to travel with cash – safely – is something that takes a bit of research, critical thinking, and experience. Here are some hacks and advice, based on what I have learned, for keeping your money secure while traveling. 5 Reasons to Travel with Large Amounts of Cash
Many folks suggest that the safest way to travel with a lot of cashis to use a credit card. But that is not really traveling with cash at all. Still, there is security in traveling with a credit card since a stolen credit card can be canceled immediately, and you’re not responsible for any charges a criminal makes. However, despite the existence of credit cards, there are several reasons why you still should travel with cash. 1. You Need Cash to Get Home
“Always travel with enough cash to get you back home” is a standard, and time-tested rule of thumb for travelers. When you’re traveling, you are away from the safety and supplies of your home. Should a crisis occur, you are far better off returning to your home than trying to eke out an existence wherever you happen to be when a crisis hits. If you’re entirely single and have no attachments or commitments, returning home is less important, but if you have a family at home and you’re away, you need enough cash to get yourself back to support the ones who need you. 2. Credit Cards May Not Work
I don’t mean that credit and debit cards may not work in an end-of-the-world scenario, though that’s certainly to be the case should such a situation arise. Rather, I mean that even in ordinary circumstances, credit and debit cards may not work when you travel to another country. I am writing from a country where they don’t work. A few months ago I traveled to a country where my credit cards worked, but my debit cards didn’t. In previous years, I’ve been in places where neither worked. Having cash with you always offers a backup option. 3. Cash is Private
You may not want to leave a digital record of your presence in a country or of a purchase you made. Tourists use VPNs while traveling for this reason. Cash is also private. Some travelers use cash to avoid digital traces, others may use it for illegal activities (which I do not encourage), but even regular travelers might prefer cash to ensure their spouses dont discover purchases like a surprise gift. Cash gives you the option of protecting your privacy. 4. Cash Can be Used to Transfer Funds
If you’re traveling between locations, and especially between countries, transporting cash may be the best way to transfer assets or value between those locations. In the case of my friend who asked me to transport cash, she had no other method of moving the money from her host country to her home country except through cash. 5. Cash Offers Opportunities
People psychologically value cash more than digital transactions, which means that cash can be a powerful bargaining tool and a means to secure good deals. Show a wad of cash to someone and they’ll be more likely to take it than if holding a credit card. Credit cards, for merchants, comes with fees, often up to 4%. So, a $100 sale via a credit card is more like $96 for the merchant. Many places, especially tourist spots, often offer different pricing for cash and credit, reflecting this cost difference. Cash will bring you opportunities that a credit card doesn’t. How to Travel with Cash While in Transit
Whether for one of those reasons above, or some other reason, you’ve concluded that you need to transport a lot of cash with you as you travel. The immediate question is, how can you keep it safe against theft? Cash is particularly vulnerable when you are away from your home and usual patterns of protection. If you’re traveling, especially internationally, you may not be able to travel with your normal self-defense tools and you may not be aware of what local areas are dangerous. You face higher risks when traveling.
Further, once cash is lost, it really can’t be recovered. You can reverse a credit card charge that is fraudulent, but it’s unlikely that you’ll recover cash that is stolen. How can you stay safe from pickpockets, theft, and even muggings while traveling? Thankfully, there are a lot of great solutions to this problem, and I’m happy to share them with you.
If you’re traveling with lots of cash, the most important thing you can do is to not draw attention to that fact. You want to appear completely normal, like all of the other plane to train passengers who don’t have thousands of dollars of cash on them. Minimize Suspicious Behavior
The first and most important way to travel safely is to not draw attention to yourself. If you’re wearing unusual clothing, expensive-looking jewelry, checking a map, visibly nervous, and keep checking your pockets where there’s a noticeable cash-sized bulge, or pulling out a large wad of cash to pay for your food, then you’re drawing attention to yourself and your money. Avoid suspicious behavior.
Remember, if you’re traveling far from home, behaviors considered “suspicious” may differ from those in your hometown. This is true not only when you travel internationally, but also if you’re a long physical difference from what you’re used to. When I lived near Seattle, I could spot a tourist a mile away because they often carried umbrellas, whereas locals typically wore only jackets and didn’t use umbrellas. Try to fit in with whatever local appearance and actions are. Keep Cash Close
Second, if you’re traveling with lots of cash, or with anything valuable, don’t let it out of your sight or off of your body. That means no luggage, no handbag left on a chair, and not even a backpack on your back. Criminals thrive on stealing when you’re not paying attention, or quickly diverting your attention so that they can nab your valuables. Something you can’t see can be stolen whenever a criminal wishes, and even something that you can see will be stolen in a second by a thief that diverts your attention. Wear Hidden Wallets
How do you do that? Through the wonderful world of concealment clothing. There are an immense number of creative options for protecting your valuables, too many to address here, but below are some of the most important and useful options for carrying your cash or other valuables while traveling: Money Belts – Some money belts are a wallet that attaches to your belt and hangs inside your pants, others go around your waist inside your pants, others are a belt with a zipper so that the belt itself can hide cash, and there’s even high-waist belt options for women that contain secret pockets in which you can store a lot of cash. All are great options. I personally own a zippered belt like this. Sale Money Belts for Travel for Men, Nylon Military Tactical Mens with Zinc Alloy Buckle, Security Money Belt with Hidden Money Pocket – Black DURABLE DESIGN – Made from lightweight and wear-resisting nylon material and solid zinc alloy buckle that has a strong evaporation of sweat, durable, scratch resistant, feel more flexible, more comfortable and breathable for daily use.HIDDEN POCKET KEEP YOUR CASH SAFE – Equipped with an easy-to-use hidden zippered scurity pocket. Safely conceals spare currency, a paper passport copy and small travel accessories from thieves.ADJUSTABLE – Suitable for men?Fits pant sizes 26″-42″, length of strap is 47.5″, width of strap is 1.5″, length of zippered pocket is 19.6″.VERSATILE STYLE – Ideal choice for outdoor: traveling, driving, hiking & camping,riding, fishing, climbing, or everyday wear, Breathable and comfortable design is perfect for your Jeans, causal pants and shorts, tactical trousers, and outdoor trousers.DESIGNED FOR SAFE INTERNATIONAL TRAVEL – Airport Safe & Invaluable for any trip. Always be prepared for unexpected events during your travels. Ideal for police, firefighters, electricians and utility workers in need of a great duty belt. $9.95 Buy on Amazon Neck Wallets – A neck wallet is designed to hang from your neck and be worn under your shirt. It’s unobtrusive, hidden, and can hold quite a lot of money. This is what I use for my passport and primary cash stash. HERO Neck Wallet RFID Blocking Passport Holder Easy to Conceal Travel Pouch LIFETIME REPLACEMENT GUARANTEE We individually test every HERO Neck Wallet in the USA before shipping. And every order comes backed by our lifetime replacement guarantee. If anything ever goes wrong we will send you a replacement absolutely free!HANDS-FREE TRAVEL POUCH Our ultimate universal travel neck wallet conceals passports, IDs, credit cards, cash, iPhones (incl. 15 Pro Max without a bulky case), tickets, and valuables, keeping personal items hidden discreetly on the go.PROTECTIVE RFID LINING Each unisex passport wallet features multi-RFID layers that shield credit cards, bank cards, passports and any other personal information from potential e-theft.SUPPORTS RUGGED ADVENTURES We only use premium ripstop nylon fabric and heavy duty YKK zippers to make our passport travel wallets stronger, more durable, and more resilient for a lifetime of world-wide adventures.STREAMLINED ACCESSIBILITY A stylish, easy-to-use design, thats comfortable and lightweight. Our HERO Neck Wallet makes it super easy to add or remove items, including passports & large smartphones, for quick travel access. $24.95 Buy on Amazon Underwear Wallets – I expect that most pickpockets and even muggers would not ask you to remove your underwear to check for valuables, making underwear wallets one of the safest places to stash cash. Underwear wallets typically have a sewn-in pocket where you can stash cash. While it can’t hold wads of cash, it can hold more than you might think. LUEXBOX Pocket Underwear for Men with Secret Hidden Pocket, Travel Boxer Briefs, Small Size 2 Packs (Gray) Made of a silky-soft modal fabric, underwear are breathable and comfy.Pocket underwear is Ideal secret for traveling or workout to keep ID/Passport, insulin pump, cash, credit card, condom and other valuables safe and secured.This pockets underwear secret pocket helps avord trouble and embarrassment.With this secret underwear, don’t worry about the thieves, can totally enjoy your journey all the time.Size: Small. Fits waist 28in-30in. (Please select the appropriate size according to the size chart in the picture!) $16.99 Buy on Amazon Bra Wallets – Women have another hiding place with a bra wallet. Some bra wallets feature a hidden pocket in the bra itself, but you’ll be able to carry far more through the bra wallet that clips to the bra and hangs below it. 2 Pieces Travel Bra Wallet for Women Hidden Bra Wallet Pickpocket Proof Under Clothes Money Belt Pouch Secret Travel Wallet for Passport Money Valuables (Black, Pink, 4 x 5.4 Inch) You Will Get: 2 different colors hidden bra wallets, discretely stash currency or credit card in this small, snug wallet, so you can travel with peace of mind knowing your essentials are securely kept within the travel pouchSecure and Safe: the bra wallet is subtle but secure, conceals your essentials such as ID, currency, credit cards and other valuables from pickpockets and thieves; Secure connector clasp keeps the pouch from unsnapping accidentally, ensures your items are safePickpocket Proof Wallet Accessory: hidden bra wallet is invaluable for tourist areas, crowded marketplaces, airports, buses, trains, sporting events, music festivals, bars, clubs, or a night out on the town; Small, lightweight pouch securely stores credit cards and currency in snapped closed pocket, keeping your valuables close and secureQuality Material: the travel money belt pouch is made of soft cotton to ensure maximum comfort against your skin, fastens securely to your bra, underwear, or on your belt loop; This essential accessory for the female traveler is machine washable, also suitable for hand washing while on the road during extended weekend trips, or when on international vacationsMulti Purpose: the bra wallet can hold ID, currency, credit cards and other valuables, take the holder to a store, a concert or event, on a job, when you’re in a crowd, out on a hike, or anywhere else, whether you’re a traveler, a rider, or a busy parent $11.99 Buy on Amazon Shoe Wallets – A shoe wallet is a tiny sleeve for hiding cash inside your shoe. Although its capacity is limited by the size of the shoe and the need for comfort while walking, it remains an unlikely spot for a smash-and-grab thief to check. ASICS Men’s Shoe Wallet, Black/Iron $7.95 Buy on Amazon Sock Wallets – Similar to an underwear wallet, these are socks which contain a hidden pocket into which you can put cash. It won’t hold as much as a money belt or bra wallet, but it is an unobtrusive place to hide something. Flippysox Zipper Sock Wallet – Cotton/Polyester – Fits shoe size 6-13 (Black) TRAVELERS: With a hidden pocket on your sock, your valuables will be safe from pick pocketers when you are travelling!BIKERS & RUNNERS: Store your keys, credit cards and cash quickly when going for a quick work out; Flippysox pocket tech ensures that your valuables will never fall out so that you can play more and worry lessACTIVE PEOPLE: As a casual sport athlete, we understand that it’s tough to play at your best when you have to worry about where to put your valuables and money; Our stretchy and high performance sock provides a comfortable place to store and retrieve them fast!International products have separate terms, are sold from abroad and may differ from local products, including fit, age ratings, and language of product, labeling or instructions $18.99 Buy on Amazon Ankle Wallets – A wallet that, as you’d expect, goes around your ankle and is hidden underneath your pants. It’s not so useful if you wear shorts, but it provides another place to store cash safely. Hidden Ankle Wallet – Concealed Carry Anti Theft Travel Pouch to Protect Cash, Credit Cards, and Passport – Fits Insulin and EpiPen – Machine Washable -Designed for Running (Medium) Unique design for comfort – Forget bulky waist wallets, shoulder bags, or neck wallets. Our ankle wallet frees you from pinching elastic straps, heavy metal clasps, clumsy zippers, and awkward snaps. Enjoy the freedom to move without worrying about your valuables slipping outfunctions like a compression sock.Two Pickpocket-proof pouches – Keep your valuables safe and secure without needing a bulky wallet. With two pickpocket-proof pouches, you can protect your cash, passport, and other items from thieves while on the move. Keep your valuables secured under your pants, slacks, or Levis.Keep your items secure and close to you – Our ankle wallet is designed to be flat, tubular, lightweight, and non-bulky, so you can easily store and carry all your essential items! It easily fits under jeans or shorts, and the items in them are undetectable.Perfect for travel & sports – Wear our ankle wallet while traveling or participating in any activity. Whether heading to the airport, running a 5k race, or going rock climbing, it’s perfect for carrying passports, IDs, cash, keys, cards, and even a flask!Secure your valuables – Equipped with a unique design flap, no velcro closure, and reinforced seams, nothing gets inside without permission. Worry no more about pickpockets or document theft always keep your essential items close by. $22.99 Buy on Amazon Wrist Wallet – If you’re wearing a long-sleeve shirt or dress, then a wrist wallet can be a good option. Secure around your wrist, it enables you to keep your valuables hidden and yet be easily accessible. It’s less useful than others, though, because you can’t wear short sleeves without exposing it. Honoson 5 Pcs Wrist Wallet for Women Men, Zipper Wrist Pouch Running Wallet Wristband Sweatband, 2 Pockets, Spandex, Large, Dark Colors for Running, Walking, Hiking, Jogging, Travel 2 Pockets design: designed with 2 pockets, 1 zipper pocket, and 1 folding pocket, the wristband is convenient for you to hold keys, wedding rings, credit cards or cash, also suitable for cellphone which is not larger than 4.7 inchesSize information: each running wallet is about 12 x 10 cm/ 4.7 x 3.9 inches, easy for you to store and carry, hard to slip or fall off, so you will not have the trouble of constant adjustment during exerciseBreathable and sweat absorbing: made of soft spandex material, the wrist wallet for women men can quickly absorb your sweat and dry it quickly, so that you can feel comfortable and cool when exercising; Machine washableSuitable Occasions: the wrist storage band is easy for running, swimming, skating, training, yoga, hiking, dog walking, gardening or other sports, you don’t need to carry things in your pocket to release your hands, this zipper wrist bag can hold keys, ID cards, cash, napkin and so onVarious colors options: the package includes 5 pieces of wrist wallet for running in 5 different styles, you can choose a preferred color to match your clothes, also you can share some with your friends and family members $15.99 Buy on Amazon
This should get your brain thinking of how to travel with cash without drawing attention to that cash. If you don’t like any of these options, use these ideas to come up with your own idea! Remember that with a tiny effort, you can sew extra pockets on the inside of whatever pants or shirt you like! Tips on Buying Concealment Clothes
Secret pocket clothing like shorts, skirts, vests, scrunchies, or scarfs are all options for hiding cash in places that most criminals won’t look or expect. Just make sure, if it’s detachable from your body like a scrunchie, scarf, or vest, that you wear it in such a way that it can’t come off or be forgotten somewhere.
There are too many options and too many variables for me to give you specific advice on what concealment clothing you, specifically, should buy. However, as you explore the options I linked to above and others, here’s a few things to keep in mind: 1. Buy Big
In general, try to buy clothing that holds more, rather than the options that hold less. You may not always need the extra capacity, but it’s nice to have it as an option. If all you buy is a wallet sock, it will be difficult to carry much cash and impossible to carry your passport hidden. If you travel internationally, remember that other countries’ currencies will be of a different size than your home country, so buying bigger gives you more flexibility than buying something that just barely fits your own country’s currency.
Keep in mind that your concealment clothing may also need to carry valuables for other family members, so buying large gives you more options than buying small. This is why I’m a big fan of the money belt, bra wallet, and neck wallets. Surprisingly, I’ve also heard that the wallet scarfs can also carry a lot inside them, though, being a man, I’ve never used them. 2. Buy Versatile
It’s best to buy concealment clothing that can work in any climate. A sock wallet won’t work if you wear sandals, a wrist wallet doesn’t work if you’re wearing short sleeves, and an ankle wallet won’t work if you wear shorts. On the other hand, an underwear or bra wallet will probably work anywhere in the world.
Similarly, buy things that work for when you arrive and not just for when you’re traveling. Your risk isn’t just in airpots and train stations, but on the streets. Make sure whatever you buy can also be used where you’re going. 3. Buy Boring
Remember that, wherever you go, you want to fit in. The last thing you want is for your wallet socks to be a bright color that draws attention, or your wallet scarf to make you stand out from the crowd. I know it’s bland, but buying boring colors that won’t draw attention is far superior to buying something that looks nice but may draw more attention than you want.
Likewise, buy things that can stay hidden. If you’re obviously wearing a neck wallet that can be seen under your shirt, it still is harder to steal than a normal wallet, but it defeats part of the point. Worse, it might draw more attention to you because people think you have something of great enough value that you want it to stay hidden. 4. Buy Multiple
Who said you need just one article of concealment clothing? Buy multiple items for redundancy’s sake and spread out your cash. If one wallet is stolen or compromised, it will leave others available so that you still have options. This also helps avoid a situation where you have a suspicious bulge under your shirt because you put all your cash in a bra or neck wallet.
As you think of buying multiple, think of how they may complement each other. For example, if you’re haggling on the street and need extra cash, you can get it out of a wrist wallet quite easily, while it’s difficult to get it out of a bra wallet. On the other hand, a bra wallet can hold a ton more cash than a wrist wallet. So, consider buying both so that you have both a place to store a large amount of reserve cash and a place to carry a smalle amount of convenient cash. 5. Buy Attached
If you search for things with hidden pockets, you’ll find items like hats or water bottles. While these can make fantastic places to keep cash hidden, sometimes a lot of it, I don’t recommend these items because they’re too easy to lose. You probably won’t face much risk of theftI doubt a criminal will steal your water bottle thinking it contains cashbut you face an immense risk of setting it down and forgetting it. Whatever you buy, make sure you can attach it to your body so that you don’t forget it. How to Keep Cash Safe in a Hotel
Your risk doesn’t end once you get at your destination, though. Your cash needs to remain safe when you’re out and about, as well as at your hotel room. The good news is that what kept your cash safe while you were en route will also keep your cash safe while you’re at your destination: avoid suspicious behavior and keep the money on your person via concealment clothing.
What about the hotel room, though? You likely don’t want to walk around with all of your valuables with you, and your hotel room is likely safer than the street. Still, hotel rooms are often robbed and hotel staff are rarely people who earn high wages, so leaving cash in the hotel presents a risk as well. How do you do this safely? Is the Hotel Safe Safe?
The first many have is to use the hotel safe. If your hotel provides you a safenot all dothis is certainly an option. The benefit of this is that the safes are usually well-secured inside the room and are designed to keep the contents safe from thieves.
The problem is that, guests so consistently lock belongings in safes, that hotels usually have a means of opening thema master key, a master code, a factory reset, etc. Cleaning staff and thieves likely know these methodsthey’re not hard to find outand so your valuables aren’t actually that secure in the hotel safe. Further, the hotel safe is the first place that a criminal will look, making it a prime target.
In light of these concerns, I don’t recommend putting most of your cash in a hotel safe. However, it can be good to put some cash there. If a thief breaks into your hotel room and gets cash out of the safe, he’s unlikely to go rooting through the rest of your luggage to find more. The thief will likely grab what he can, and run. If you’re clearly not using the safe, then the criminal is more likely to rummage through your luggage to try to find something of value. A bit of cash in the hotel safe provides a nice diversion “insurance” policy for the rest of your cash. Use a Diversion Safe
What do you do with the rest of your cash, then, if you don’t put it in the hotel safe? You hide it in plain sight in a “diversion safe.” This is an innocuous, everyday item that you put your cash inside. As I wrote in Cash in a Flash: Fluid Finances for Expat Emergencies:
My great-grandfather bundled up a load of cash in freezer paper, wrote “Steak” on the outside, and put it in his freezer alongside the rest of his frozen meats. No criminal is going to unwrap frozen meat in the odd chance that it contains cash.
So, what can you use as a diversion safe in which to hide your money? Your creativity is the limit, but here are some diversion safes that you can buy or look at to get your creative juices flowing: Diversion Safe Ideas Book Safe – A “book” that is actually hollow. Book safes have the advantage of containing a lot of space, but it’s a fairly common trick that even appears in movies, so its likely a criminal may suspect this. Book Safe with Combination Lock – Jssmst Home Dictionary Diversion Metal Safe Lock Box, SM-BS0405S, Navy Small Advantages: Jssmst is a registered trademark protected by U.S. Trademark law and will be vigorously defended, we are engaged in the production and export of lock boxes for more than ten yearsVarious Sizes and Colors Available: three colors(black, navy and red), two sizes(small and large size)Exterior Dimension: 7.2 x 4.6 x 2.2 inches (small size), 9.5 x 6.2 x 2.2 inches (large size) Inside Storage Are Measures: 6.5 x 4.3 x 1.6 inches(small size), 9.2 x 5.7 x 1.6 inches(large size)With Combination Lock: Dont worry about losing keys. If youre not sure about setting up password or forget the password, Jssmst provides instructionsWhat You Get: Jssmst dictionary diversion book safe, welcome guide $12.50 Buy on Amazon Hairbrush Safe – It’s not a ton of room, but you can fit a lot of rolled-up cash inside the handle of a hairbrush. And why would anyone steal one of those? Jspupifip Diversion Safe Hair Brush Pack,Diversion Mini Jewelry Key Storage,Hidden Hair Brush Cash Holder Diversion Safes Containers for Travel Home Security Gift,Black Design for storage items:the top of the handle of the diversion safes and containers can be opened like a bottle cap, you can store money, cash, small jewelry, mini keys and other small items etc. with high securityTravel-friendly size: the hair brush money hider has a diameter of about 0.78 inches and a depth of 2.7 inches, enough capacity for 12-15 rolls of bills and a mass of about 88g, a light size convenient for you to hold in your hand and place in your bagMaterial: the diversion safe comb is made of ABS material, waterproof, soft and hard nylon pins of the spherical comb, massage the scalp while keeping the hair follicles healthy, suitable for dry, wet, wavy or straight hair, etcKeep things safe: The hair brush is designed to blend in with everyday items, separating valuables from items that could be stolen; can be safely stored in bathroom drawers, cabinets and handbags; thieves won’t want to find valuables in the comb, and the home safe comb comes with hanging holes for easy storage and hangingWarm gift: the diversion hair brushes is a classic black, red highly flexible airbag style, compact size with storage items is a travel essential, store valuables safely from possible theft, suitable for men and women, and most ages, a warm gift for Christmas, Thanksgiving, birthdays $8.99 Buy on Amazon Sunscreen Bottle Safe – Tourists always have sunscreen, so this would blend in quite easily. This is also a larger option. GoPong Sunscreen Diversion Safe Bottles 2 Pack – Safely Hides Your Valuables DIVERSION SAFES: Includes 2 sunscreen bottle diversion safes with removable cap for stashing your valuables insideSTORE YOUR VALUABLES: Designed to look like sunscreen bottles, but hollow inside for hiding your smartphone, keys, jewelry, wallet and moreHOME AND TRAVEL: The sunscreen bottle design works great at home, in your dorm room and also in public places like beach resorts, hotel pools, beaches & lakes, cruise ships and moreTWO PACK: Each diversion safe sunscreen bottle measures 3 inches wide by 8 inches tall, great for hiding all your valuables or sharing with a friend $9.99 Buy on Amazon Can of Coke Safe – Throw one of these in your mini fridge and no one will take a second look, even though they can hold hundreds of dollars. If you do this, though, try to get a brand, like Coke, that is widely known around the world. If yo get something less popular, like Dr. Pepper, it may stand out if the place you’re going doesn’t actually have Dr. Pepper. Original Coca Cola Concealment – Coca Cola with Secret Hideaway Compartment – Authentic Coca Cola Safe STASH – Coca Cola Camouflage Boat The Original CocaCola Double Bottom Concealment Jar is a perfect solution for hiding jewelry, hiding money or other valuables.Maintains the weight and exact appearance of the original CocaCola pot that it imitates but has a hidden interior space, finished in glass, with a bottom to hide goods you wish to protect.The hidden recess is found by unscrewing the lid of the can, surrounded by rubber, which simulates the actual weight of the contents.The capacity of the CocaCola concealment can is 100 ml.SECRET SAFE STASH COCA COLA $9.99 Buy on Amazon Tons of Other Options – This is a fun rabbit hole to lose yourself down. There’s a lot of creativity out there. Tips When Using Diversion Safes
Here’s a couple tips to help you use a diversion safe well: 1. Diversify
Even if you use a diversion safe, diversifying is wise to ensure not everything is lost if a criminal discovers it. Most thieves in a hotel are of the “cat burglar” variety, where they’ll grab the first thing of value that they see, and run. Diversifying your hiding places protects you. 2. Avoid Trash Appearances
Be creative about your diversion safes, but make sure that they don’t appear to be trash that cleaning staff might throw away. This happened to me once, and it was quite unfortunate. One of the most creative diversion safes I’ve ever seen was money placed inside a diaper so that it looked like a dirty diaper. No criminal will touch that, making it safe from theft, but the maid may toss it and you lose the money anyway. Be creative, but make sure the diversion safe doesn’t look like trash. 3. Don’t Forget Them
Set a reminder or tell a traveling companion where you’re putting your money. The last thing you want is for the money to be so well-hidden that you forget about it when you’re leaving. Cautions When Traveling with Cash
Following the suggestions above, you’ll be able to reduce your risk when you’re traveling, even with large amounts of cash. However, thieves and hotel staff aren’t the only risks you’ll face when traveling internationally with large amounts of cash: government officials are another. Beware of Customs
Every country has specific rules for how much cash you can take into, or out of, the countryusually they also have rules for “cash equivalents” like traveler’s checks or precious metals. Ensure that you know and adhere to these rules, as customs officials are typically stringent and often have the authority to seize money exceeding these limits.
Keep careful track of how much money you are carrying, including the amount in your normal wallet, and ensure that the total does not exceed the legal limit. One of the problem people often face is that, when the rule is $5,000, they’ll carry $5,000, but forget about the $5 that they have in their wallet. That additional $5 puts your total amount over the limit, which can create trouble for you.
Make sure the total you have is allowed both for exit from the country you’ll leave as well as entry into every country you’ll enter. Be Ready to Explain Your Cash
If you go through customs with an obviously large amount of cash, you may be questioned about it. Ensure you have a solid, clear, and legitimate reason for possessing the cash. Consider bringing proof of ATM receipts, proof of employment, or other document which would prove the legal provenance of the funds.
Further, make sure you can explain why you’re bringing it into the country. Buying souvenirs is a legitimate reason to bring cash into a country, but it’s not a reason to bring $10,000 into a country unless you’re buying something really expensive. Make sure your answer corresponds with the amount of money you have. Emergency funds is a legitimate reason to bring cash into a country. Just answer confidently and clearly; if you hem and haw and look nervous, don’t be surprised if the customs agent asks further questions. Be confident and clear. Be Ready to Explain Why It’s Hidden
Likewise, you need to be able to explain not only the cash, but also the way that you have hidden it. Customs agents all know there’s a risk of theft if you’re traveling and so they’re used to concealment clothing. However, if you are overly clever or unusual in hiding your money, you may appear more like a smuggler than a prepared traveler. Walk that line carefully. The most important thing is fully disclosure and a confident, clear, legal reason why you’re traveling with hidden cash. Conclusion
When my friend handed my thousands of dollars of cash all those years ago, my paranoia was because I didn’t know of, let alone use, any of the methods outlined above to keep her cash safe. Today, I know better and travel with even more cash without any fear of theft. By avoiding suspicious behavior, wearing concealment clothing, utilizing diversion safes, and following all immigration rules, I’m able to confidently travel with enough cash that I know, even in an emergency, I could make it home to be with my family. That peace of mind, and knowing I could care for my family even in an extreme situation, is worth the effort.
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About the Author
Mark founded The Prepared Expat after watching himself and other expats struggle with practical aspects of daily expat life: legalities, finances, language learning, raising children, etc. The Prepared Expat provides a wealth of free resources to help you survive and thrive as an expat, covering topics like cross-cultural living, language learning, self-defense, expat finances, health, safety, and much more!

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Dan WetzelJul 21, 2025, 07:00 AM ET
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Dan Wetzel is a senior writer focused on investigative reporting, news analysis and feature storytelling.
Give Big Ten commissioner Tony Petitti credit for this: He will advocate for what he believes is best for one of the league’s teams. That’s true even if that same program previously unleashed an avalanche of headline-grabbing public accusations and animosity on him.
In this case, it’s Michigan football, which at the height of the 2023 advanced scouting/sign-stealing scandal hit Petitti with a blistering legal filing, claims of personal bias and choruses of boos and negative social media posts from fans.
Regardless, Petitti has sent a letter to the NCAA Committee on Infractions arguing that Michigan deserved no further punishment in a case focusing on the actions of former staffer Connor Stalions.
The letter was read at an early June infractions committee hearing in Indianapolis, multiple sources told ESPN. The NCAA has charged Michigan with 11 rule violations, six of them Level 1, which is classified as the most serious. The committee has yet to hand down a ruling, but one is expected before the 2025 season. It does not have to follow or even consider Petitti’s opinion.
The Big Ten confirmed to ESPN that Petitti sent the letter and said he would have attended in person but was recovering at the time from hip replacement surgery. The NCAA and Michigan are prohibited from commenting on a pending case. Petitti declined comment through a league spokesperson.
Petitti argued, sources said, that the Big Ten itself had already sufficiently punished the Michigan program when it suspended then-coach Jim Harbaugh for the final three games of the 2023 regular season: at Penn State, at Maryland and at home against Ohio State.
Even without Harbaugh, Michigan won all three en route to capturing the national championship.
The NCAA might still hit the Wolverines with penalties ranging from vacating past victories, a postseason ban, the suspension of coaches, a monetary fine or other measures.
Michigan, as ESPN previously reported, has proposed suspending current coach Sherrone Moore for the third and fourth game of the 2025 season for deleting a thread of text messages with Stalions as the scandal broke. Moore was the team’s offensive coordinator at the time. The NCAA was able to retrieve the texts, and Moore was not charged with having any knowledge of Stalions’ actions.
The NCAA could also punish individuals, including Harbaugh (now the coach of the Los Angeles Chargers), Stalions and others. Petitti’s letter did not address that, according to sources.
The concept of a league commissioner standing up for one of his conference’s teams is not unusual. The business of any conference is aided by its programs avoiding NCAA sanctions that might affect its ability to field competitive teams.
Petitti’s position is notable in this situation because of the extremely contentious relationship between him and Michigan when allegations first broke of Stalions sending friends and family to scout future Wolverine opponents and film sideline coaching signals.
Petitti, in a Nov. 10, 2023, letter to Michigan athletics director Warde Manual, laid out the Harbaugh suspension by arguing that “the integrity of competition is the backbone of any sports conference or league.” He noted that “taking immediate action is appropriate and necessary.”
Michigan, to put it lightly, disagreed.
The school vehemently fought back, arguing that due process had not been followed, the case lacked conclusive evidence, and there was no proof that Harbaugh had knowledge of Stalions’ activities.
The university even sought an emergency temporary restraining order in Washtenaw (Michigan) County Court against the Big Ten to let Harbaugh keep coaching.
In a fiery court filing, the school claimed the Big Ten’s actions “were fraudulent, unlawful, unethical, unjustified, and per se wrongful, and were done with malice.” It further claimed the league was causing irreparable damage to the reputations of Harbaugh and the university, declaring the suspension a “flagrant breach of fundamental fairness.”
The school eventually backed down and withdrew the restraining order request, but the rift between the team and the commissioner remained as Harbaugh was benched.
The suspension became a rallying cry for Michigan players as they continued their 15-0 season. Petitti chose to not attend the Ohio State-Michigan game in Ann Arbor that season, even though it was one of the biggest games in league history. The Big Ten said Petitti was never scheduled to attend the game.
A week later, at the Big Ten title game, Michigan fans lustily booed Petitti when he presented the championship trophy to injured Wolverines player Zak Zinter (notably, not Harbaugh, despite having completed his suspension by then).
All of that appears to be behind the commissioner. To Petitti, making Michigan overcome a three-game stretch without its head coach was apparently enough of a penalty. He noted in his initial 2023 decision that the suspension was not about Harbaugh but was a way to hit the program as a whole.
“We impose this disciplinary action even though the Conference has not yet received any information indicating that Head Football Coach Harbaugh was aware of the impermissible nature of the sign-stealing scheme,” Petitti wrote. “This is not a sanction of Coach Harbaugh. It is a sanction against the University.”
He also allowed that “additional disciplinary actions may be necessary or appropriate if [the NCAA or Big Ten] receives additional information concerning the scope and knowledge of, or participation in, the impermissible scheme.”
That Petitti is now suggesting that Michigan has paid its penance suggests no such additional information has emerged.
Apparently, bygones are now bygones, even B1G ones.
Politics
Pressure grows to leave ‘mad’ Aarhus Convention used to block UK building projects
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2 hours agoon
July 22, 2025By
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Pressure is growing to renegotiate or leave an international convention blamed for slowing building projects and increasing costs after a judge warned campaigners they are in danger of “the misuse of judicial review”.
Under the Aarhus Convention, campaigners who challenge projects on environmental grounds but then lose in court against housing and big infrastructure have their costs above £10,000 capped and the rest met by the taxpayer.
Government figures say this situation is “mad” but ministers have not acted, despite promising to do so for months.
The Tories are today leading the call for change with a demand to reform or leave the convention.
In March, Sky News revealed how a computer scientist from Norfolk had challenged a carbon capture and storage project attached to a gas-fired power station on multiple occasions.
Andrew Boswell took his challenge all the way the appeal court, causing delays of months at a cost of over £100m to the developers.
In May, the verdict handed down by the Court of Appeal was scathing about Dr Boswell’s case.
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“Dr Boswell’s approach is, we think, a classic example of the misuse of judicial review in order to continue a campaign against a development… once a party has lost the argument on the planning merits,” wrote the judges.
They added: “Such an approach is inimical to the scheme enacted by parliament for the taking of decisions in the public interest,” adding his case “betrays a serious misunderstanding of the decision of the Supreme Court” and “the appeal must therefore be rejected”.
Another case – against a housing development in a series of fields in Cranbrook, Kent – was thrown out by judges in recent weeks.
The case was brought by CPRE Kent, the countryside challenge, to preserve a set of fields between two housing developments alongside an area of outstanding natural beauty.
John Wotton, from CPRE Kent, suggested it would have been hard to bring the challenge without the costs being capped.
“We would’ve had to think very carefully about whether we could impose that financial risk on the charity,” he told Sky News.
After his case was dismissed, Berkeley Homes said the situation was “clearly absurd and highlights how incredibly slow and uncertain our regulatory system has become”.
They added: “We welcome the government’s commitment to tackle the blockages which stop businesses from investing and frustrate the delivery of much needed homes, jobs and growth.
“We need to make the current system work properly so that homes can actually get built instead of being tied-up in bureaucracy by any individual or organisation who wants to stop them against the will of the government.”
‘Reform could breach international law’
Around 80 cases a year are brought under the Aarhus Convention, Sky News has learned.
The way Britain interprets Aarhus is unique as a result of the UK’s distinctive legal system and the loser pays principle.
Barrister Nick Grant, a planning and environment expert who has represented government and campaigns, said the convention means more legally adventurous claims.
“What you might end up doing is bringing a claim on more adventurous grounds, additional grounds, running points – feeling comfortable running points – that you might not have otherwise run.
“So it’s both people bringing claims, but also how they bring the claims, and what points they run. This cap facilitates it basically.”
However, Mr Grant said that it would be difficult to reform: “Fundamentally, the convention is doing what it was designed to do, which is to facilitate access to justice.
“And it then becomes a question for the policymakers as to what effect is this having and do we want to maintain that? It will be difficult for us to reform it internally without being in breach of our international law obligations”
In March, Sky News was told Number 10 is actively looking at the convention.
Multiple figures in government have said the situation with Britain’s participation in the Aarhus Convention is “mad” but Sky News understands nothing of significance is coming on this subject.
Read more from Sky News:
Compensation scheme for blood scandal widened
Government to review state pension age

‘The country faces a choice,’ says Robert Jenrick
The Tories, however, want action.
Robert Jenrick, shadow justice secretary and former housing minister, said the Tories would reform or leave the convention.
He told Sky News: “I think the country faces a choice. Do we want to get the economy firing on all cylinders or not?
“We’ve got to reform the planning system and we’ve got to ensure that judicial review… is not used to gum up the system and this convention is clearly one of the issues that has to be addressed.
“We either reform it, if that’s possible. I’m very sceptical because accords like this are very challenging and it takes many many years to reform them.
“If that isn’t possible, then we absolutely should think about leaving because what we’ve got to do is put the interest of the British public first.”
Mr Jenrick also attacked the lawyers who work on Aarhus cases on behalf of clients.
“A cottage industry has grown. In fact, it’s bigger than a cottage industry,” he said.
“There are activist lawyers with campaign groups who are now, frankly, profiteering from this convention. And it is costing the British taxpayer a vast amount of money. These lawyers are getting richer. The country is getting poorer.”
Politics
The wealth tax options Reeves could take to ease her fiscal bind
Published
2 hours agoon
July 22, 2025By
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Faced with a challenging set of numbers, the chancellor is having to make difficult choices with political consequences.
Tax rises and spending cuts are a hard sell.
Now, some in her party are calling for a different approach: target the wealthy.
Is there a way out of all of this for the chancellor?
Economic growth is disappointing and spending pressures are mounting. The government was already examining ways to raise revenue when, earlier this month, Labour backbenchers forced the government to abandon welfare cuts and reinstate winter fuel payments – blowing a £6bn hole in the budget.
The numbers are not adding up for Rachel Reeves, who is steadfastly committed to her fiscal rules. Short of more spending cuts, her only option is to raise taxes – taxes that are already at a generational high.
For some in her party – including Lord Kinnock, the former Labour leader, the solution is simple: introduce a new tax.
They say a flat wealth tax, targeting those with assets above £10m, could raise £12bn for the public purse.
More on Rachel Reeves
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Yet, the government is reportedly reluctant to pursue such a path. It is not convinced that wealth taxes will work. The evidence base is shaky and the debate over the efficacy of these types of taxes has divided the economics community.
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1:16
Chancellor will not be drawn on wealth tax
Why are we talking about wealth?
Wealth taxes are in the headlines but calls for this type of reform have been growing for some time. Proponents of the change point to shifts in our economy that will be obvious to most people living in Britain: work does not pay in the way it used to.
At the same time wealth inequality has risen. The stock of wealth – that is the total value of everything owned – is much larger than our income, that is the total amount of money earned in a year. That disparity has been growing, especially during that era of low interest rates after 2008 that fuelled asset prices, while wages stagnated.
It means the average worker will have to work for more years to buy assets, say a house, for example.
Left-wing politicians and economists argue that instead of putting more pressure on workers – marginal income tax rates are as high as 70% for some workers – the government should instead target some of this accumulated wealth in order to balance the books.
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2:19
Lord Kinnock calls for ‘wealth tax’
The Inheritocracy
At the heart of it all is a very straightforward argument about fairness. Few will argue that there aren’t problems with the way our economy is functioning: that it is unfair that young people are struggling to buy homes and raise families.
Proponents of a wealth tax say that it would not only raise revenue but create a fairer tax system.
They argue that the wealth distortions are creating a divided society, where people’s outcomes are determined by their inheritances.
The gap is large. A typical 50-year old born to the poorest 20% of parents in the UK is already worth just a quarter of what someone born to the richest 20% of parents is worth at that age. This is before they inherit anything when their parents die.
A lot of money is passed on earlier; for example, people may have had help buying their first home. That gap widens when the inheritance is passed on. This is when inheritance tax, one of the existing wealth taxes we have in the UK, kicks in.
However, its impact in addressing that imbalance is negligible. Most people don’t meet the threshold to pay it. The government could bring more people into the tax but it is already a deeply unpopular policy.
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1:51
Former BP boss: Wealth tax would be ‘mistake’
Alternatives
So what other options could they explore?
Lord Kinnock recently suggested a new tax on the stock of wealth – one to two percent on assets over £10m. That could raise between £12bn and £24bn.
When making the case for the tax, Lord Kinnock told Sky News: “That kind of levy does two things. One is to secure resources, which is very important in revenues.
“But the second thing it does is to say to the country, ‘we are the government of equity’. This is a country which is very substantially fed up with the fact that whatever happens in the world, whatever happens in the UK, the same interests come out on top unscathed all the time while everybody else is paying more for getting services.”
However, there is a lot of scepticism about some of these numbers.
Wealthier people tend to be more mobile and adept at arranging their tax affairs. Determining the value of their assets can be a challenge.
In Downing Street, the fear is that they will simply leave, rendering the policy a failure. Policymakers are already fretting that a recent crackdown on non-doms will do the same.
Critics point to countries where wealth taxes have been tried and repealed. Proponents say we should learn from their mistakes and design something better.
Some say the government could start by improving existing taxes, such as capital gains tax – which people pay when they sell a second property or shares, for example.
The Labour government has already raised capital gains tax rates but bringing them in line with income tax could raise £12bn.
Then there is the potential for National Insurance contributions on investment income – such as rent from property or dividends. Estimates suggest that could bring in another £11bn.
This is nothing to sniff at for a chancellor who needs to find tens of billions of pounds in order to balance her books.
By the same token, she is operating on such fine margins that she can’t afford to get the calculation wrong. There is no easy way out of this fiscal bind for Rachel Reeves.
Whether wealth taxes are the solution or not, hers is a government that has promised reform and creative thinking. The tax system would be a good place to start.
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