Foreign Perspectives

Archive for the ‘Society’ Category

Wedding dresses are a bit of a peculiar kind of purchase, aren’t they?

After all, few people would spend anything like the amount of money on any dress never mind a dress that’s intended to be worn only once, would they? Yet, of course, destination wedding dresses are very much a purchase that people aspire to, pretty much regardless of the cost involved.

They’re slightly odd also in that they generally aim to have a strong hint of tradition whilst also trying to be quite fashionable at the same time. That’s not an easy combination to manage which, of course goes some way to explain the high prices for these dresses.

Make sure you make the most of your purchase experience… chances are that it’ll be a long time before you get that much attention when buying something.

It doesn’t seem all that long ago that British kids collected money over the Halloween period by wheeling around a dummy and collecting a “penny for the Guy”.

These days though, I doubt that many would even know the phrase or where it originally came from. In case you’re one of those, it’s a phrase commemorating Guy Fawkes and his attempt to blow up the houses of Parliament as part of the Gunpowder Plot way back in 1605.

There was a vaguely confusing few years when that went out of fashion with nothing to replace it but thanks to the Americanisation of the Halloween period we are firmly in the “trick or treat” era. Still, at least it hasn’t degenerated into the non-traditional cry of “bon bons” (sweeties) of the French who arrived at that with no previous Halloween tradition.

It’s fortunate for us this week anyway in that it’s been pouring for most of this week but was quite pleasant whilst we were walking round with the kids on Halloween night last week.

Although many people would tell you that travellers cheques (or travelers checks) are past their sell-by date, that’s not the case.

Their major plus point is that even if they’re lost or stolen, you can still get the money back which is not the case if you were carrying around the same amount in cash, their closest equivalent. In both American and Canada they can be used as though they were cash even in places that say “no checks accepted” and you can also treat them this way to some extent in the UK.

As with cash, it’s useful to have some travellers cheques in either US$ or Euro. If you’re going to America go with US$, Europe or Africa Euro are generally best. One key difference is that because you may be charged to cash them, it’s best to stick to 100 denominations rather than 20’s as we recommended with cash. Banks cashing them usually charge some combination of a per cheque fee and/or a percentage with, of course, a foreign currency conversion charge if the cheques aren’t in their local currency. You can avoid these charges by cashing them at an office of the issuing bank. Again, if you’re going to a civilised country it’s best to consider these as a backup and just get cash in an ATM when you get there.

Since there’s no expiry date on the cheques, you should keep any uncashed cheques for future holidays if they’re in a mainstream currency which’ll save you on charges and commissions.

Unlike cash, travellers cheques come with a brand and it’s best to stick to the more common ones which are American Express, Mastercard, Visa and Thomas Cook. Normally your bank will issue cheques with one of these brands plus their own. You can’t use American Express or any American issued cheques in either Cuba or Vietnam.

Charges are similar for cash at around 7% (even in “commission free” places). Sometimes it’s cheaper to get cash, sometimes travellers cheques. Check at your bank if they’ve any special offers for customers but otherwise shop around.

Take them in the currency of the country you’re going to if it’s a mainstream one, otherwise dollars or euros. If you have any left over after your holiday, keep them rather than cash them in your bank as you can use them later (there is no expiry date) and this will save you paying the commission again. If you buy travellers cheques on a card, it counts as a cash advance with all the charges that implies. Make sure that your travellers cheques come with the Visa or Mastercard or American Express brands as others may not be accepted. You can’t use American Express travellers cheques in Cuba or Vietnam nor any issued by American banks.

Downsides are that you will have to pay to cash them at foreign banks which will involve an additional exchange rate charge if they’re not denominated in the local currency. Worth noting is that not all banks cash travellers cheques and, bizarrely, some require you to have an account with them before they’ll cash them.

I’m going to work my way through the various ways you can take money abroad over the next few weeks. I’ve already covered cash and travellers cheques, and will be covering credit/charge cards, debit cards, cash cards and prepaid cards in future episodes.

The package for this arrived the other day though it’s another couple of weeks before the website opens.

As well as the book (200 pages!) and assignment guide (but not the actual assignments) there’s a DVD which seems to have loads of videos on it and the digital microscope program. Sadly they don’t send out proper digital microscopes any more so this is just a simulation by way of the DVD although I imagine that they’d have some health and safety issues around sending out slides with some of the microbes these days.

The plan is that I set this course aside for a couple of months ’til I get SK185 finished off (the ECA needs more thought than expected), TT280 finished and the first A251 TMA out of the way. Essentially I’m thinking of this as a warm-up for S204 which should be turning up after Christmas so there’s no rush to get moving on it and I’m aiming for the second ECA submission date which is in late April.

You’d think that the free creche within IKEA was aimed at those shopping there who don’t want to drag the kids around the shop with them but it isn’t really.

Although I’m sure that they originally intended that, what’s happened since is that it has become too popular, at least in the afternoons. Thus when you turn up at the shop your creche slot (it’s for up to 10 year olds) is generally a couple of hours later so you either drag the kids around and then plop them in the creche or you go to it specially.

Our little guys thought it was better than Indiana Land so have added that to one of the play areas that they’ll be asking to be taken back to. What I think we’ll do next time is to book a slot in the morning and drop them in for the 45 minutes after school.

I wonder how long IKEA will continue to fork out for it now that it’s effectively become separated from the shop?