Personally I think a jacket is the worst place. One of the guys on our 'Chase the Dakar' trip in 2006 put his jacket over a chair in a cafe and when he came to leave, his wallet with cash and credit cards had gone.
I have a small wallet in my zipped trouser pocket in which I carry a day's cash, a credit card and an ATM debit card. My mobile phone goes into other trouser pocket.
I keep the other money, cards and documents on the bike in as secure place as possible. It helps if you have metal panniers and a bike alarm.
I also have a trembler alarm (that's used to protect laptop PC cases) to provide security for my tank bag. I can thread the wire through the sleeve of my jacket and then leave the jacket on the bike if I want.
Tim
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"For sheer delight there is nothing like altitude; it gives one the thrill of adventure
and enlarges the world in which you live," Irving Mather (1892-1966)
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