Abstract: The present invention provides a multifunctional towel comprising a towel having an upper portion, a lower portion, a left side and a right side the upper portion having a first attachment means and a waist belt having a second attachment means on at least one portion of the belt for affixing the towel to the belt and a water resistant skirt attached to and depending from the belt wherein the water resistant skirt has a front portion adjacent to the towel portion and a back portion distal to the towel portion.

Abstract: A combination beach towel, tote bag, deck chair cover and automobile seat cover, which will easily convert from a beach towel to one of its other forms. Sectional side opening pockets which are concealed yet easily accessible while is in use as either a tote bag, deck chair cover, auto seat cover or beach towel. An optional locking device can removably secure the combination towel tote bag invention to a chair or other fixed object by attahment to a carrying strap. Additionally, the side opening pockets can be secured using an optional removable locking device to secure the pockets closed. Indicia optionally placed upon the invention allows for advertisements or notation of the geographical location wherein the invention is to be used. An optional proximaty metering device allows for an alarm should a certain geographic area be left by the user.