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Carrying your valuable: Money belts or neck wallets

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Hi,

I'm going to Europe next week! Wondering if any females have any experience in using money belts or neck wallets to store their passports/cash etc. I always thought a neck pouch will be more comfortable but I'm going in the summer and will be wearing tee shirts - will they be conspicuous at the neck area or too obvious at my waist area?

Any ideas are appreciated!

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