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A dam_n Near Run Thing

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I went to town today to do the shopping.

One of the things my wife and I agree on is I like shopping and she doesn't.

Well, she thinks that shopping is just going and buying stuff.

I can spend hours reading the labels on sardine tins and counting the number of noodles in a packet. We were buying cheese slices once and she picked out the big pack of twenty. I put it back and pointed out that it was 106 baht but a pack of ten was 48B, or two for 96B.

She looked at me like I'd just burst into the Albanian national anthem and turned away shaking her head and muttering that it was no wonder Farangs were all rich.

Anyway, I digress. I went to the ATM to take some cash out and my ATM card wasn't in my wallet.

Panicking slightly I checked all the places where I don't put it.

No sign of it.

Really panicking I emptied the wallet out, still nothing.

Now this is a catastrophe of mammoth proportions.

I don't have a Thai bank account, my money is paid into an Australian account. If I lose the card it means no money until I can get back to Australia and fix it. And no money to get back with.

I mentally tallied the value of my gold jewelry, about 50,000B. Should be enough if I got the bus down to Bangkok.

I looked in the wallet for the card again. There it was.

Early senile dementia?

Alcoholic dementia?

:o

The cloaking device so your wife can't find it works then.

  • Author

She really doesn't want to know about it Thad.

She handles all the finances on what money I give her; maid, utilities, beer, local market shopping and there's never a problem.

The only time I'm ever asked for extra is when the yearly car bills come up.

It worries me because if I suddenly dropped off the perch she'd have no way of accessing my bank account.

This is a historical throw back, time warp thing. In the old days, when people were caught with things that were not their's, they always claimed these things miraculously appeared and disappeared in their possession. These affected folk were put on ships and became Australian.

Nothing to fear...........................It will pass :o

It worries me because if I suddenly dropped off the perch she'd have no way of accessing my bank account.

Not being morbid, but I assume you have made a Will?

Not being morbid, but I assume you have made a Will?

Interesting problem - making a Will that ensures you are worth more kept alive than "cashed in" early.

Instructions to access money should be hidden in the open - so access is not possible without your knowledge - but details on how to get those 'hidden' instuctions relies on access via a break glass type box. I haven't put this in place yet - shame on me.

On two trips in a row to Thailand I first lost my visa card (found it on the floor of my car when I returned home) and on the second time managed to destroy the magnetic strip on it so it wouldn't work in ATMs. Had great difficulty getting access to money both times.

I now travel with the visa, a debit card and my Amex. Nothing goes wrong any more.

I guess there's a clue there, especially if you're living thousands of k's from your bank.

eeeeeek.. no back-up bank account?!

Of course up to you, but if it were me I would have seen that as a warning sign and sort out a Thai bank account with emergency money in case something happens to my main card.

I actually have 2 Thai bank accounts (2 back-ups). I never take my UK atm card around with me everyday, only using it to withdraw and transfer money to the Thai account. I then have one Thai account with emergency cash that i dont touch (in case of whatever), and my everyday atm bank card account that i carry in my purse. It also helps me budget when i have my everyday thai account as I only put in what i would like to live off and helps me keep track of my spending.

Overkill maybe, but i rest easy knowing if my card gets stolen or lost at least i wont be panicking financially till its sorted out.

I remember years ago (20?) I got pissed in Liverpool and went for a train home, I had an all zones ticket. However, just missed the last train. No problem, pop to the ATM and get some cash out and get a taxi home. I was skint. Horror of horrors, the machine swallowed my card. This was when I didn't have a wallet full of cards. I spoke to a taxi driver telling him I had no money and if he dropped me home I could borrow some money from my flatmate and pay him. Good ole scouser that he was he took pity on me and took me home. As we approched the house all the lights were off and I realised that my flatmate may not be in - aaargh! My mate was home but in bed asleep, I woke him witha garbbled explanation and he gave me a tenner with a muffled '<deleted> tosser'. All's well that ends well! Gave me a hard time next day though! :o

I remember a few years back, going on holiday to Turkey. I had driven from Plymouth to London, to park in one of these car parks that buses you in to Gatwick.

Got to the airport - no wallet! Aaarrgh!

Phoned the carpark company to check my car, and they found it under the seat. Luckily we had plenty of time, and they sent it in a taxi to the airport.

I've never panicked so much in my life, and never given such a big tip to a taxi driver either. There was about £500 in it, as well as all my cards, but it all arrived intact. May have been a different story had I not noticed before we boarded.

I now travel with the visa, a debit card and my Amex. Nothing goes wrong any more.

I guess there's a clue there, especially if you're living thousands of k's from your bank.

The lesson is clear - multiple paths to access your money.

One point I'll rise for consideration: Do you rely solely on plastic cards? Although they are great, flexible and easy to use, consider a situation where they might fail due to a problem with the infrastructure that needs communication from ATM to bank's computers to allow the transaction.

My backup list includes cash, ATM cards both from home and Thailand and old fashioned Traveller's Checks (Cheques). They function almost everywhere, can be replaced worldwide in a day, do not use batteries and just need me and my Passport to 'work'.

I now travel with the visa, a debit card and my Amex. Nothing goes wrong any more.

I guess there's a clue there, especially if you're living thousands of k's from your bank.

The lesson is clear - multiple paths to access your money.

One point I'll rise for consideration: Do you rely solely on plastic cards? Although they are great, flexible and easy to use, consider a situation where they might fail due to a problem with the infrastructure that needs communication from ATM to bank's computers to allow the transaction.

My backup list includes cash, ATM cards both from home and Thailand and old fashioned Traveller's Checks (Cheques). They function almost everywhere, can be replaced worldwide in a day, do not use batteries and just need me and my Passport to 'work'.

I also take cash (usually up to $A1,000-not enough to go bankrupt if stolen) and spend a mixture of that and cash from the ATM. I always keep enough cash to get me through if the banks fall over. The plan is to spend most of the dollars, but still keep enough with me to pay for duty free and a cab when I get home.

I never use TCs anymore. I just don't like the inconvenience.

I remember years ago (20?) I got pissed in Liverpool and went for a train home, I had an all zones ticket. However, just missed the last train. No problem, pop to the ATM and get some cash out and get a taxi home. I was skint. Horror of horrors, the machine swallowed my card. This was when I didn't have a wallet full of cards. I spoke to a taxi driver telling him I had no money and if he dropped me home I could borrow some money from my flatmate and pay him. Good ole scouser that he was he took pity on me and took me home. As we approched the house all the lights were off and I realised that my flatmate may not be in - aaargh! My mate was home but in bed asleep, I woke him witha garbbled explanation and he gave me a tenner with a muffled '<deleted> tosser'. All's well that ends well! Gave me a hard time next day though! :D

A tip?

You could've just given him his hub-caps back :o

I've got three recent instances of forgetfulness.

1) Last week i went upstairs. When i was up there, i'd forgot what i went up for. So i went downstairs and then remembered what i'd gone up for. By then i couldn't be arsed to go back up again, so thought i would wait till i went up for something else but forgot again. Can't even remember what it was for now.

2) Whilst i'm in Saudi, my mate back home has been giving my car a run around to keep the battery charged etc. This weekend he rang me to say the battery in the key fob was flat, so where is my spare. I had hidden it so securely and in such a fantastic place, it took the mrs 3 hours to find, cos i couldn't remember.

3) erm.....erm....erm....fekk it. Can't remember :o

So, we all drink Alzheimer's Lite then :D

Ah so that's the name................. :o

Just could'nt remember it :D

I remember years ago (20?) I got pissed in Liverpool and went for a train home, I had an all zones ticket. However, just missed the last train. No problem, pop to the ATM and get some cash out and get a taxi home. I was skint. Horror of horrors, the machine swallowed my card. This was when I didn't have a wallet full of cards. I spoke to a taxi driver telling him I had no money and if he dropped me home I could borrow some money from my flatmate and pay him. Good ole scouser that he was he took pity on me and took me home. As we approched the house all the lights were off and I realised that my flatmate may not be in - aaargh! My mate was home but in bed asleep, I woke him witha garbbled explanation and he gave me a tenner with a muffled '<deleted> tosser'. All's well that ends well! Gave me a hard time next day though! :D

A tip?

You could've just given him his hub-caps back :o

Cheap hub-caps!

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