Convertible beach towel and poncho

A convertible beach towel and poncho comprising, in combination:

• a piece of cloth having a circular and essentially planar configuration, the piece of cloth having an exterior surface and an interior surface, the piece of cloth having a large aperture through a central portion thereof, the large aperture being concentrically positioned with respect to the piece of cloth, the large aperture having a diameter less than 1/5 of a diameter of the piece of cloth, the large aperture having a plurality of male snap fasteners disposed around a peripheral edge thereof;
• a cover member having a circular and essentially planar configuration, the cover member being dimensioned for coupling with the large aperture, the cover member having an outer periphery with a segment thereof secured to the peripheral edge of the large aperture, the outer periphery having a plurality of female snap fasteners disposed therearound for selective snap engagement with the male snap fasteners of the large aperture;
• a pillow adapted for removable coupling with the exterior surface of the piece of cloth adjacent to the large aperture;
• a plurality of pouches secured to the exterior surface of the piece of cloth, the plurality of pouches being disposed in a spaced relationship around the piece of cloth, each of the pouches having snap fasteners for selective closure thereof;
• and
• a towel removably secured to the exterior surface of the piece of cloth.