We all live in the jungle and yet some of are preparing for the wrong one. This means that we buy water purifiers and insect repellent as if adventure and danger only occur on the other side of the world.
This, my friend is extremely dangerous as the real danger is far closer than this.
I will list three precautions that I am currently taking. Do not be surprised that all of them cost a little money. It is the urban jungle that I am worried about and most of the monsters that threaten me here have price tags tattooed on their foreheads.
1. Regular savings account from Skipton Building Society.
Building societies are a little like Credit Unions in the USA. They are owned by their members and are restricted to very conservative investments by law. No building society has gone bust since the 1960's although a few had shotgun marriages in the current crisis. The one example of a failed society that I can think of (London Goldhawk) was in fact trading illegally by investing in lower grade bonds than it should- a familiar story to my American readers.
Building societies are conservative in other ways too. They still issue passbooks which double as an instant credit reference and form of identity. I receive a very good rate of interest in return for making regular payments but I can also close the account quickly in the event of a bank collapse which is far more likely than being eaten by a tiger.
The really appealing thing about this account is that I can make my minimum contribution as little as £1 and can add lump sums to it when I please. This gives me the flexibility I need with a fairly decent rate of interest.
2. A rather nice jacket wallet.
I bought this when I realised that my present arrangement makes me rather vulnerable to being mugged. I hold a large number of loyalty cards that I used to keep stuffed into a slimline credit card wallet. Sometimes my train tickets or my credit cards would get lost in this jumble and I would stand by the ticket machine shuffling my cards like a Tarot reader. This put my cards on display and meant that I could only hold them with the tips of my fingers while I sorted through them. I could not even see who was approaching me as I did so.
To overcome this I bought a wallet like this for my jacket pocket. I place my LOW value cards (subway, and so on) in this wallet so that I can use my slimline wallet efficiently and safely.
You will notice that it also has a coin flap. This prevents coins from making holes in your pockets and getting lost.
3.Condom case.
This one could save your life- or the life of the girl. Condoms should be kept cool and should not be subject to rubbing and friction in the wallet. This seems ironic as they must surely be designed for heat and friction- but there you go. The product includes free engraving so if you have won anything lately now is the time for a DHV.