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Theft, Fraud & Contraband │Travel SMART!
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- čas přidán 13. 08. 2024
- Could you be accused of drug smuggling? If you aren't totally on top of your packing then yes, simple as that. Neil was also recently treated like a fraudster because he was being just too careful with his money and then what plans do you have to stop your stuff being stolen? All of that is in this weeks video.
If you are new here, we are just your average British couple with an extraordinary dream to travel and as such, sold our house and all our stuff so that we could explore the world for the next 10 years, seeing different cultures, meeting interesting people and sharing it from our perspective.
All of our travel will be cost-effective, we do not have a huge budget! if you think you'd find that interesting and useful, why not subscribe, we would love you to come on the journey with us.
The DNA of our channel is :
- Entertaining
- Informational
- World Travel
- Money & Finance
- We don't take ourselves too seriously
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0:00 Introduction
0:47 Security
4:46 Budgeting
5:42 Location Planning
8:31 Finance & Banking
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Really good one . Cheers 👍🏽👍🏽👍🏽👍🏽
Hey Stephen!
Very kind of you to say, we really appreciate it and you taking the time to comment.
Best regards,
Neil & Sarah
The best tip that no one ever mentioned... "Sofas with arms."😊👍💪😮 I've been in places where their Sofas didn't have arms it gets old.
12:42 Bank wheel looks good will try to find a good way to have the hub protected as well.👍
Brilliant!! Thanks guys! Copying all my friends that travel on this one!!! Stay safe!
Awesome! Thank you!
I love Storytime with Neil!!! Thanks for sharing, great info!
The whole kerfuffle you had with your bank transactions sounded really scary! I’m glad you got it sorted in the end, but that was great advice! Cheers! Dara
Yes it was! Forewarned is forearmed.... Thanks for getting in touch.
Excellent info, thank you!
Hey Corwin!
Thank you, appreciate you getting in touch.
Best regards,
Neil & Sarah
Great job guys! Love ya! R&D in Wisconsin
Another thoughtful, informative, entertaining video. Thanks so much!
Great information!!! I found that to be so very helpful.
Thank you!
Btw…..I think Sarah dresses just fine. LOL! 😂🤣
Looking forward to your next video. Hopefully we will get to see more of the area you’re in, too. 😉
Hey Lorrie!
Thank you so much for taking the time to drop us a comment! Don't tell Sarah that whatever you do!
As for seeing the area. Funny, since we got to Chiang Mai there have been rain and floods so although we have been out and about we have been careful to protect our cameras. So this weeks video we are in our apartment (really sorry about that, you know that isn't what we like to do) but from the weekend after, you are going to see Chiang Mai in all it's glory. Do stick with us as we navigate this rain.
Best regards,
Neil & Sarah
@@2GoRoam I will be waiting with baited breath! 😉🤣😂
Not nomadic yet but still do the hub and spoke banking model after having my account frozen due to fraud. This has me thinking maybe I need to set up a two hub system splitting funds so there's enough to get thru a month or two if one was frozen. Thanks again for all the great advice. Never would have thought about using cameras in my room. Brilliant!!!
Love the thumbnail :)
Wow - so, so helpful! Really valuable info - thank you!! ( sending well wishes for COVID recovery your way 💕)
Hey ML!
Very kind of you to say, we really appreciate it and you taking the time to comment.
Best regards,
Neil & Sarah
How frightening! So glad things worked out; thank you for sharing! I would be interested in the budget tool you mentioned.
Wow - amazing cautionary tale this week! And glad your travels weren’t derailed. It can be a such a vulnerable feeling to have one (or more) of your core support services break down while you are on the road. Happy to hear you made it through!!
Hey Ashley!
Thank you so much for taking the time to drop us a comment! Travel life is complex isn't it... Sometimes there is something that comes up that can scupper everything. Fortunately, we lived to fight another day on this one.
Best regards,
Neil & Sarah
I love your tips especially about security and budgeting because bizarrely they remind me of just how careless I am! I had problems especially in the first year but ironically that was when I was at my most careful. Every country I moved to, my UK Bank blocked by card every time I informed them of the country. As soon as I stopped informing them, I never had a problem. A bit backwards, right? Re budgeting (I should probably do a video about this!), the first year was purely travel and I had the most ridiculous spreadsheet set up. Once I started earning on the road (especially once income streams became established) I've developed a much more blasé attitude. After 6 years I just kind of know what I'm spending, you know? Starbucks every day? Why not! I haven't tracked or budgeted in 5 years, I just have a basic income/expenditure sheet set up which I look at monthly (and try to stick to LOL).It's great if you can get to that point. Early retirement and Digital Nomadism are of course different matters though. If it was the other way around, I'd be an Excel madman!
I would say basically say goodbye to your home bank immediately. Especially UK-based banks, a) many are so behind the rest of the world (compared to Russian banks for example) and b) many just don't understand that people wouldn't be living in the UK. Get Revolut or equivalent. The 'visit a branch' line used to send me into a Phil Mitchell-style meltdown!
Hi David - well it is strange isn't it, that you can put all the effort in the world into how you travel but something unexpected can blindside you.
We are budgeting fiends! Well Sarah is and I am pleased as I know she is keeping us on the straight and narrow. Like you, I LOVE Excel :-)
Yes we are using Revolut, Starling and Wise a lot more now. Just forward thinking banks!
Best regards,
Neil & Sarah
Great tips.
Fantastic information!! Some critical info here!!!
Gosh, you guys were on a knifes edge. There's got to be a more secure way to do global banking - this idea you have to go in to a home branch...you were on the other side of the world! Glad it worked out in the end. I've made note of your suggestions. Even though I'm not traveling at present, I'll put items to use like getting a VPN once I resume. Thanks for this video guys!
Excellent information, thanks!
Hey Kit!
Very kind of you to say, we really appreciate it and you taking the time to comment.
Best regards,
Neil & Sarah
Thank you a great video and a good reminder for top notch security while on the road...
Hey !
Really appreciate the comment, Glad it was helpful!
Best regards,
Neil & Sarah
Again lots of tips. There are a few I will definitely use. Enjoy your travels in Thailand. Just a tip from me , Singha is better than Chang beer.
Wow! Thanks for the valuable tips.
Despite the recent frustrations you both look great. Thailand agrees with you. Cheers!
Hey Kimberly!
Really appreciate the comment as ever!
We are loving Thailand.
Best regards,
Neil & Sarah
Good luck in your travels. Low crime countries aren't really low crime, everyone forgets the internet and just how much info people can get on you through your phone while using the internet. As apps are concerned, you gotta be careful about them as well.
Fantastic and hugely useful pointers --- not just for nomads but also for anyone on vacation.
I've always told folks (among other things) 1) If there is metro / underground - map out BEFORE you go out. Tourists are easy to notice as they are either really focused on metro map in the station or following Google maps --- prior planning (including stepping out of station into cafe to map your journey. 2) Carry a crappy old wallet as well as your normal wallet that will hopefully be in bag with cards / money split up. IF you are ever held up, take out old wallet with video library card / expired or near zero balance visa card and couple of $$ --- throw it one direction and run in the other --- bad guy will 99.99999% go for wallet and you are gone before they find a 90's blockbuster card. 3) With meds keep in prescription bottles and have letter from doctor ---- many nations (even those where things may be illegal otherwise) may allow you to bring in IF you check with Embassy and provide physician note to Embassy ---- may take time but avoid doing time.
Just a couple of thoughts ---- your advice is great so please keep posting.
Hey Quo !
Really appreciate the comment, that really is good advice, another friend told us the same last week. We are employing this advice now thanks to you both for that.
Best regards,
Neil & Sarah
Excellent advice! I learned to have several forms of payment. When my debit card was hacked, my bank froze ALL my accounts until I got a new card. Luckily, I had a credit card from a different bank as well as access to funds from a 3rd financial institution so it was an inconvenience rather than an emergency. Also have multiple hard and soft copies of important documents and keep them in different places in case one gets lost or stolen.
Hey Linda!
Thank you so much for taking the time to drop us a comment! Sounds like you are a fab planner, always better to get this stuff sorted before traveling isn't it.
Best regards,
Neil & Sarah
Some very useful tips in this one, thank you...its so ironic Neil, that despite your experience in Resilience in the banking sector, that very knowledge nearly caused a catastrophic outcome, lufe is weird like that! Take care and safe travelling in Thailand.
Hey Shaz & Daz!
Really appreciate the comment, crazy isn't it. When talking to them on the phone, I was using all the internal banking language to make it clear that firstly I know what I am doing and secondly that I have been trained exactly as the people I was talking to had. Got there in the end... phew!
Best regards,
Neil & Sarah
@@2GoRoam phew is the word! Technology is great, but sometimes can be not so great!
For VPNs, Bank Interaction and the like, you really have to learn by doing: During Covid, my bank it would be so nice to see me in their office in CA!! Even the president of my bank, could not roll back the system!! Eventually, I shipped a whole new PHONE!! With the needed auth pre-installed.- Thanks for the ALFRED security camera ap! BTW: "Call his BLUFF?" Oh, my gosh!! Not what you want to hear!! I use just one USA bank, but have 4 available accounts. You are for sure going through the curve and it can be tough!! Best!!
I was born in Chicago.but have been visiting Mexico for over 60 years. You are so correct.
$75k for every citizen 18 and up.Move to a safer and less expensive country.
Earthquakes is why I did not retire in Acapulco, I started travelling at age 20 on paid vacations.
Great tips! Man, what a harrowing bank experience. Happy you got it sorted. I guess it's nice to know the banks are so sensitive to fraud. However, they still don't quite know how to handle international nomads like us. So, as you say, having all your ducks in a row is important. We keep separate accounts in a couple of banks in case one of our hubs goes down. "Story time with Neil"... I like the sound of that. Maybe it should be a regular piece 😆
Hey Skip!
Thank you so much for taking the time to drop us a comment! You want us to send people to sleep with Neil's stories!? Are you trying to sabotage our channel here? :)
Best regards,
Neil & Sarah
Vital video on security and being smart when travelling abroad, thank you guys 😀.
Have there been to any destinations so far when you’ve not felt safe? I ask as our son is travelling to Thailand, Bangkok and the islands this summer and we are a little concerned for his safety and that he doesn’t get ripped off or his things stolen! Any tips most welcome 👍
VPN use in some countries it is illegal or restricted. Best to check before travel or use. For sure VPNs may add some additional security but there are probably other measures of higher priority. VPNs also have their own risks. Probably sticking to trusted DNS servers and web sites with secure web browsing (HTTPS), like your bank, then a VPN does not add any value, despite what the VPN companies marketing may say. There's still many other risks a VPN does not address so perhaps folks can get a false sense of security.
Hi guys hope you are both well.
Very useful information,especially the parts about what you say online(Today you cannot criticize any government online its just not worth doing)
Valuable info as usual congrats on passing 10k subs !!
Have a great weekend both.
Glad you made a video addressing this with suggestions all in one spot. Hopefully will get to travel again soon and these are definitely some things to consider having! I dislike 2FA because I have to now have my phone with me at all times, even though I know it's a good idea. I hope that companies will catch on and develop things to deal with that. Trying to have a phone always linked to home is a bother. Can you address how you research the prescriptions in more depth? I would love to travel for longer periods, but this is one issue that holds me back.....knowing whether or not my prescriptions would be available and the hoops to get them. Thanks, and happy travelling.
Hey Cindy!
Firstly with regard to the phone, do check out Devyce if you are in the UK. As to prescriptions, we absolutely will at some point. What we are trying to do with our videos at the moment is produce something broad to introduce some principles then over the coming weeks delve deeper into some of the key areas, so we are working our way round that at the moment. Hope that helps.
Best regards,
Neil & Sarah
Try to travel phillippines you will be injoy..
Hey Caleb!
Thank you for the kind comment, hope you enjoy our content as we go forward! Philippines is on the list.
Best regards,
Neil & Sarah
We are loving your videos and personalities - so entertaining while informative. We’d love to learn about your method of budgeting - how you scrape data and make your spreadsheets to budget for different locations, please! (PS fyi in case you don’t realize, some of your viewers, like us, have been watching your videos via streaming on our tv - not on our phones nor computers - so when you indicate to click subscribe comment etc, that’s not an option for us. If you have suggestions let us know.) Thx
Some great advice! A question traveling to different countries a big concern would be be the rule of law an how stable the government is at least for making it your home! Is this a big consideration in picking places to
travel to? Keep up the good work 😊
Hey Michael!
Thank you so much for taking the time to drop us a comment as ever.
That is a concern and we always check out the UK Home Office website and similar from the US, but then always augment that advice with what we can learn on the ground.
Best regards,
Neil & Sarah
You are over 10000 followers! Congrats! Interesting video and thanks for heads up about 2 factor authentication! I hadn’t thought about that piece and we leave in 2.5 weeks! I hear mixed views about VPNs - that with the new secured sites there isn’t a need - where you have travelled - are the sites not secure? Even with an open wifi in a coffee shop they will know I am connecting to the router and the router might know that I am talking to a bank but the info shouldn’t be accessible because it already encrypted leaving from my computer? Well as long as the site is on https …. I am confused!
I can't find a comment I just posted. Maybe cause I put a link. I think Thai music is great. While there, check out Thai pop, and the genres on lokthung and morlum. Enjoy. If you search my name and Thai. You may find a playlist I made some years ago. It's just random stuff I liked not the best but it may give you an idea of what it sounds like.
Hey Rhys!
Yes I think that CZcams cuts posts with links. How interesting...there is a group playing not far from us at the weekend, we might check them out. Looking into those genres now, we love music!
Best regards,
Neil & Sarah
Not familiar with vpn. Took a look but wondered do you just need one vpn as a couple or do you need one each per email. Love your content and your expertise. Would appreciate some more info to us plan for our travels
Thank you so much. VPN is a good way to protect yourself when on a public WiFi.
NatWest are difficult...They refused a payment from abroad going into my account recently!
Oh Natwest..... GRRRRRRRR!
Please share your spreadsheet!!
I am often in Thailand and I lost my phone once and with that loss I lost my UK phone number and my bank would only use the phone number I lost for 2 level authentication and I could do nothing until I could go into a branch in the UK in person. I now have a different bank. Why do some places let you have a choice on how to receive your 2 level authentication number and at least one gives you no choice.
Opera browser comes with VPN.
Don't you think it's a good idea to have a fair amount of cash wherever you go? Obviously you don't flash wads of it around in public, but the possibility of being stranded thousands of miles from home with no access to money would give me nightmares.
Hey Cornish!
Thank you so much for taking the time to drop us a comment! I guess it is down to personal taste in that. When we travel we are carrying cameras and just so many different valuable items. So we always research where we are heading for the ease of getting money from an ATM, if we can put that off until we get to our new location, then it is one less thing to worry about as we travel.
Hope that makes some sense.
Best regards,
Neil & Sarah
Great video! I'd add to your list: don't go to sh*thole countries. You won't enjoy navigating among beggars and piles of garbage anyway. And for some fellow humans there your mobile phone has more value than your life.
I've watched a few videos from this channel & I think they are from the UK so don't worry there use of seeing beggars & piles of garbage everywere at least in Thailand you can walk around at night & feel safe not like that sh*thole country the UK...
Why isn’t SARA allowed to speak?
Hi LTAM!
Sarah is allowed to speak, we are a team. Thanks for getting in touch.
Best regards,
Neil & Sarah
😂I said ‘SOFA’ just as you did Sara; I’ve been on enough of the armless or bamboo sofas to know that one! Neil, I wasn’t sure what ‘bluff’ the bank rep was suggesting that they ‘call’. Had you indicated that you were going to remove your money or something? Also, I’ve been through a frozen Citibank account- what a nightmare- same line, ‘you have to go into a branch’, I told them there were no branches in my entire State, then they said, you have to send a notarized letter of specific content indicated by them, have it notarized, send by Fedex to customer service, RIDICULOUS. I sent the document in overnight delivery ($45) - they denied receiving it for a week - even though I had a signature and name of the person who had signed for it! I was locked out of that account for over 6 weeks. Why was I locked out - because of no activity, which they had warned me about. I asked them what activity they needed to see, they said deposit/withdrawal/bill pay. I made a bank transfer deposit as soon as I ended that call and thought ‘I’m good’.
Ultimately they still froze account - I mention the deposit I made, they said ‘oh, ACH (bank to bank) deposits don’t count. I said, ‘well, it sure was counted as a deposit when I opened the account online!’
Glad it wasn’t my only account - OH, this comment is too long - but, I have to tell this: the bank rep who was ‘helping’ me with the frozen account said, ‘ OH, we need to act fast - I don’t want you to lose your money!’ He then went on to claim that if I didn’t act quickly, the money could go into ‘unclaimed property’ and made it sound like a dark abyss! Ultimately, I had to file a report the Consumer Financial Protection Bureau which was just off the charts crazy to me. As soon as I had access to that account, I transferred the balance to another account. They’ve begun sending me incentives to open a new account - yeah right!
Ultimately, we are at the mercy of these organizations when things go wrong, so I just use all of my remaining accounts a little here and there to hopefully avoid a problem like this in the future.
Always glad to see you guys show up in the feed🙂