Showing posts with label ATM card. Show all posts
Showing posts with label ATM card. Show all posts

Monday, November 10, 2014

Double Duty Jacket - Global Travel Clothing

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It wasn’t too long ago when thoughts of going to the airport flying off to another destination filled me with anticipation and overwhelming excitement. Now, it fills me with dread and negative anticipation, created by visions of the airline check-in counter. Having to weigh my luggage and then trying to squeeze it into a metal template that I swear has been reduced by centimeters from the published dimensions of the airlines’ websites, all increases my agitata, which is followed by a sour stomach and heart palpitations. Agitata is from my Italian background.

Airlines today, utilize their marketing skills trying to convince us they are doing us the favor by limiting what we can carry-on or store in the hold. For a couple of years now, I have been looking at proposed solutions. One solution was to compact my packing to a carry-on only. A year after I paid a hefty price for the perfect carry-on that met many airline requirements; the airlines reduced the acceptable size one after the other like a row of dominoes.

Next to consider were clothes with multiple pockets. Multi-pocket pants seemed to be a viable alternative, filling up the pockets with cords, phone, and tablet, whatever can be stuffed in them. However, when it is your turn at the security line, you have to basically strip to get through the machinery. Then it takes forever to retrieve everything and hope you have not left something behind.

These pants are also a viable pickpocket risk. I had a credit card stolen from pants with a knee pocket that had a Velcro tab so efficient; it took me two hands to open. On an overcrowded trolley bus in Quito, some magician managed to extract my goods without arousing one nerve cell in my leg. Genius!

Various coats have passed through my browsing history and I have disregarded them one by one for various reasons. Those with too many pockets means many of the pockets are so small, they are useless. Some are so overpriced; you may as well pay the excess luggage fee for the next 2 years and call it quits. Just by chance, I had read a reader’s comment on a travel forum that mentioned Global Travel Clothing, so I took a look with a firm attitude that I would yet be disappointed again.

I looked at the jacket’s style and found its classic flair easy on the eyes. There was nothing about it that shouted “I am hiding the goodies under here.” There are no unsightly bulges. The number of pockets was a reasonable amount to be advantageous, yet not overwhelming. I liked the fact that it has an elastic waist band draw, which is another pickpocket deterrent. A bonus is the optional RFID protection sleeve, keeping your credit cards and/or your passport safe from being scanned from afar. This is a common tech trick for theft.

Perhaps the greatest selling point is the materials: cotton and polyester, which keeps it wrinkle free and is machine washable. No expensive trips to the dry cleaner for this jacket; this in itself is exciting. Jackets are custom made based on your measurements. Come January 2015, they will also be available in dark blue. It is too late for our needs, but perfect for others who don’t have an immediate need.

We are ordering one for Ron and me, so stay tuned for a report when they go come and then a third post of the jackets in action during our time in Ecuador.

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Wednesday, December 21, 2011

I Give You a Very Good Price - $1.00

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Our hotel in Antigua is delightful. There are only about fourteen rooms; ours has a view of the volcano and the neighbor’s lovely garden below. At first, I thought the walls were strangely painted by children, but later in the day, I noticed that this must be a style here. Our room walls look like the plaster was steamed with moisture when painted creating streaked color with lots of white showing through. It is childlike, minimalistic, simplistic, and charming all in one.

Breakfast is not included here, but there is free tea, instant coffee, and local bread-type items to munch on when you crawl downstairs. We are both sore and crawling takes more flexibility than either of us are feeling today. So much for Pilates and yoga lessons before we left. 

However, there is a city to be seen. Most of the buildings are only 2 floors and they all look alike with the exception of colors. Once you leave the hotel, it is necessary to recognize landmarks to find your way back. At the end of our street is a psychologist and massage therapist: head and body care. Less than a block is the cathedral making a complete package.
 
One of our first chores was to get money. Everyone loves American dollars, but in reality you lose since the exchange rate changes all of the time, but they hold to the exchange of 7 to 8 Quetzals to the dollar, which may or may not be in your favor. We had taken some American dollars out of the ATM in Miami, but the machine had a limit of $250 per day, so that is all we could coax out of it. This turned out to be a good thing, but we used a part of it to pay our driver from the airport.

Prior to coming, Ron read a number of horror stories about using ATMs here in Guatemala. Crooks gain your ATM card number and code and then wipe your account clean. Being a different country, it is difficult to get restitution. We attempted to get a disposable ATM card before coming, but the timing did not work out in our favor. 

Once here, we were told that some banks have tightened up controls and the ATMs are now safe at BAM bank only. We went to the tourism agency next to the bank to book a walking tour, but were discouraged from using the ATM regardless of the bank. This created a whole new process for us. We had to use the agents inside the bank, but the line was ten deep. Fortunately, there was an American sitting waiting. She told us that the Colombians bought all of the banks in the country, thus making it unsafe to use ATMs anywhere. To get cash without the ATM machine, you had to have your ATM card, passport and a second photo ID.  I don’t carry ID with me, so we had to leave and return later. 

Luck was with us. There was no one in the bank, so we were cared for immediately. The process took twenty minutes. In Hungary, they have a zillion rubber stamps and everything has to be stamped thirteen times after they have handwritten all of the information. Here, the poor banker had to enter heaven knows what into the computer. If I had not seen his fingers gliding over the keyboard like Dick Button, I would have sworn he was the world’s slowest typist. He did however; know his way around the Spanish version of QWERTY working at a speed that was a golden invite for carpal tunnel. After sweating it out, fearful that our Euro account in Hungary would provide some glitch, he handed me a pile of papers sans any rubber stamps and only one signature. This had to be presented to the cashier for the good paper, currency. All of this for a maximum daily withdrawal of 330 Euros.

Within an hour, I am convinced by this young beautiful woman that I need to buy two table runners. At first, the one with the pinks, oranges, reds, greens, purples, blacks and yellows was really appealing. This took me by surprise, because normally I would say “too gaudy”. Maybe it is the surroundings that give it appeal. Set against a volcano background, it was quite attractive actually. It is one of those things that once you have it home, it transforms into “What was I thinking?” There is the new apartment to decorate, so it can be shipped over there, but then too, it was a bargain. 

This lovely woman had a sling around her neck which instead of holding a bambino, was filled with dozens of runners. Her pitch started out with "I give you a good price, $1.00". Who cannot resist $1.00? Somehow, we paid $23 for two. Still a bargain, but how did we negotiate in the wrong direction? Ron egged me on for getting 2. I would have settled for one, which I could probably have bargained for and gotten for $39.99. Later in the day, others have wanted to sell me things for $1.00. It must be a local custom to confuse the tourists or they have me pegged as a sucker.

Table runners are all I bought today, but I did give a little boy some change. He wanted to polish my Crocs, but I explained they only needed water, not shoe polish. I took his picture, but then felt guilty when he rubbed his stomach and told me he was hungry; it is one of the words I remember in Spanish. Just leaving a restaurant where we enjoyed lunch, aided my need to be codependent regardless of where the money finally ended up. 

We also made friends with Clara, another lovely lady who made me promise I would look at her table runners tomorrow. I promised I would look. Just like most Latin American countries there are throngs of people out selling goods from flutes to table cloths and other things in between. “I give you a good price” and “I give it to you for $1.00” must be all of the English they learn. Well, not true, they do know all of the numbers above 1 when it comes to bargaining.

In the afternoon, we returned to the hotel for a rest, to read and to write. Around 6pm, we heard music and the faint sounds of people singing. Curious and about to go to dinner, we headed out the door, but stopped in our tracks. Walking past our hotel door were three angels, each with different types of wings. Ahead of them were three kings, but no others corporeal or inhuman followed. When angels have feet and use them rather than their wings, you know something is amiss. Soft stepping behind them, we knew they were headed for the cathedral where the singing was still going on. These three were certainly not part of the choir of angels or else they were in trouble for being late. When we arrived at the church, there were people milling around, but not nearly what one would call a crowd. 

The singing and music came from a band that set up in front of the church. There was no indication that this was a special occasion. They were not dressed in anything, but regular clothes. As the angels made their way to the church, they just hung around the parking lot, not joining in, not doing anything angelic. The three kings totally disappeared, perhaps because there were no stars out last night; they lost their way.

When it was apparent there was not going to be a choir of angels serenading us, we left and went on to dinner. Ron had read about an El Salvadorian restaurant. Service was excellent. For the first half hour, we were alone with the waiter and chef. I loved my pork dish; Ron was up in the air about his choice. Even when you know the language, ordering in an unfamiliar restaurant is always a gamble.    
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Friday, December 09, 2011

You Want to Transfer Money? Don't Bank On It Part 1

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As I shared yesterday, we signed the paperwork for the new apartment last night. I had wanted to make the bank transfers online while we were still in the realtor's office; once the password was typed in of course I welcomed a gaggle of witnesses looking over my shoulder. But no... first our realtor chimed in and said wait until tomorrow, but our lawyer seconded the motion. I knew this was a mistake, yet you follow advice when doubly offered. 

This morning, we were up early, booting up the computer and logging into our XYZ Bank account. We had made the seller a new payee yesterday, so it was all systems go. Type in the log in information, select the account, the payee, the day of transfer, and then the amount. Click on "Are you sure you want to make this transfer?" I hate getting these automated services when they question my judgement. It is like my mother's voice calling from the grave whining "Are you sure that is wise? Remember the last time..." With a stiff finger showing stoic intent, we hit the CONTINUE button with a sense of relief and disregard to mom's admonition. All is well with the world, the sun is shining, the full deposit has been made, we can let out our held breathes...

So much for false security. Red letters flashed across the screen "This amount exceeds your daily limit of 2 million HUF a day." Now what? We remember and revert to the Hungarian saying, "If you cannot get through the large gate, there is always a little gate next to it that you can usually get through." Well, it's worth a try, but we are both big guys and this is a big amount. That is one heck of a lot of squeezing through small gates.

We sign out of Ron's account number and sign back in with mine. We are able to confuse the system enough to allow us to send another 2 million, but that is where the bank has put its virtual foot down. No more! Okay, now what? I had to go to the doctor, so Ron went to the bank to try to fix this. Rather than their helping him there, they sent him home with a phone number to call. To their benefit, he didn't have all the information needed for their copious forms that needed to be completed and it would have taken longer to fill out the forms, get them into their computer and finally to be processed than it would have been to return to the US, get the cash and carry it over by hand.

When he returned home, I had returned from the ENT doctor. Finally, someone has diagnosed my sinus problems. There are three areas of sinuses that are chronically infected. The end result is surgery, but the doctor said to wait on this. After Ron and I exchanged our day's survival bits, he called Citibank to arrange for the rest of the money to be transferred to the seller, per the instructions they sent him home with. After thirty minutes on the phone, they had accumulated all of the data needed to check our dental records, know the last ten people we had relations with from the prior 4 decades, and oh, yea the reason for our call, to transfer our money. 

Just when we thought we were through, there was a catch. Someone else from the bank will be calling back to confirm our identity or that of Ron Schmitz and confirm the transfer. Okay, fine, but we had lunch plans with Árpád my former student and with Dan and Ellen, a Fulbrighter and his wife. Ron was going to leave us early for a tour at the museum he was to lead. He gave me his ATM card, this pin number and all of the codes the bank gave him for the confirmation call, and his phone. 

Giving that extra spice to being an ex-pat, last night we didn't have any water in the kitchen. There was water in both bathrooms, but none where the dirty dinner dishes were sitting. At lunch, we asked Árpád to call the building manger, an outside company. Turns out a pipe had been replaced, but the residents were warned yesterday. The joys of ex-pat living. No one came to our door. "Forget them, they are Americans; they will probably not notice."
 
All in all, I was prepared for the Citibank call allowing Ron to go do his tour of duty without interruptions... or so we thought... to be continued.

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Tuesday, March 22, 2011

What is Your Travelers Check IQ?

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Quick quiz:

When you travel, do you still use traveler's checks or cheques? No should be the right answer. They are not yesterday's news; they are decades old news. For more years than I care to think back on, I have been warning about the financial harms of traveler's checks and have backed it with experiences. 

In 1989, when in Munich, Germany I could not get any merchant to take my checks. Even the banks were reluctant as they sent me to their competitors. There was only one bank willing to cash them for German marks, long before the Euro was conceived. 

Not only did I waste a day bouncing around like a steel ball in a pinball machine, out of fear of running short of cash, I turned in more than I would have wanted. There went the security of the traveler's check. More insulting was the bank's fee, which carved a hefty niche from my budget.


American Express closed their offices here years ago. If you want to cash a traveler's check, you have to use Western Union or UniBank. Both will lovingly toss you upside down to see how many coins and bills will fall out to collect their fee for the aggravation of having to deal with your travel paranoia.

It is time to play grown-up. If you are going to travel, use your intelligence. Alternatively, that means don't do stupid things. The partner of one of my private students recently visited Athens with 1,000 Euros in cash sitting in his pants pocket. It was with him at the airport on arrival, but someone took pity on the heavy burden he was carrying and relieved him of it. They tried to believe he forgot it at home in a different pair of pants to spare the anguish of the short get-away, but once home, there was no cash.

The value of an ATM card is priceless.

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