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CharlieH

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Everything posted by CharlieH

  1. I would suggest you keep keep both passports together and on return to Thailand visit immigration at the earliest opportunity to have the required items transferred to the new passport.
  2. Several posts reported and removed. No more nationalistic trolling comments please.
  3. This topic has run its course and is now CLOSED. The Pink card and Yellow book has its uses.As is so often the case in Thailand not every place and application will be consistent.There are many many documented benefits of having them for the holders at the time/circumstances. It is upto the individual to assess if they have potential benefit for their circumstances. They are without doubt convenient and beneficial for many but not all and in every circumstance.
  4. Depending on where you live there a a number of expat food stores that carry a variety of products and of course some are also selling them on Lazada. So there are some alternatives.
  5. There is no expectation of privacy in a Public place.
  6. Reported post removed.
  7. A Happy MIS International School Community Imagine joining a growing international school community where children are always happy to go to school every day. Here at MIS parents can be happy in the knowledge that their children are being taught by experienced and dedicated teachers from around the world. At MIS we use the British National Curriculum as the basis for all our learning. Our school is constantly investing in new facilities and the latest teaching resources. Come and see what MIS can offer your family https://mis.ac.th/book-a-visit/
  8. Classified Ads are not permitted on this forum.
  9. Teacher asked : Whats the difference between a Call girl, A girlfriend and a Wife ? The whole class fell silent, and little Johnny raised his hand and said....... "Pre-paid Post Paid Unlimited"
  10. In my area, you cannot obtain a Pink ID without the yellow book as that book ID is incorporated in the Pink card.
  11. I suggest they want the Passport as that is what is used to open the account and it links it all together for their procedures. Not allowed to think outside the box.
  12. I think that, in age old Thai tradition depends entirely to who you talk to on the day at that specific time.
  13. Reported post and response removed
  14. Some places put up signs "patrons only" to stop casual use.
  15. What you describe sounds like a degree of dehydration caused by alcohol which is the primary reason of a hangover. Drinking water before sleep is a good move and keep a bottle of water/glass on your bedside. After you had your pee in the night drink more water again and you'll notice the difference in the morning.
  16. The Thai car insurance market is unique compared to other Asian market and worldwide. That's because most of the car insurance policies sold in Thailand are without excess. Based on our experience at Roojai.com, this is one of the reasons for the high number of road accidents in Thailand. Contrary to common belief, no-excess policies do not benefit the customer, the insurer or the overall society. The only winners in this context are the agents and brokers earning higher commissions on inflated insurance premiums. What is the Insurance Excess? The excess is the maximum amount that a driver will payout for an accident when they are at fault, or there is no third-party involved. It is, in simple words, the amount of risk that the driver retains before the insurer takes over the rest of the bill. If the driver is not at fault in a car accident, they don't have to worry about the policy excess. The insurer will recover the damage from the third-party at fault, and the excess will not need to apply. Here is an example. Let's say a driver hits a pillar in a car park. They have a 5,000 THB excess on the car insurance policy, and the car repair bill is 12,000 THB. It means that the insurer will pay 7,000 THB, and the driver will pay 5,000 THB. It is pretty straightforward. If the car repair cost is 3,000 THB, the driver can repair the car, without submitting an insurance claim. In this way, the insurance premium and the No Claim Bonus will not be affected. Here is why no-excess insurance is worse. Most drivers believe it is better to have an insurance policy without excess. You have nothing to worry about, and the insurance company pays for everything in case of a car accident. It sounds great. Not if you look a bit deeper on how car insurance prices work. When there is no excess, every little damage becomes an insurance claim which requires the insurance company to intervene. For example, when someone reports a 3,000 THB claim for a small dent, the car insurance company will open a file and have a claim handler to send a surveyor to review the damage. Then they will discuss with the garage to approve the car repair. Afterwards, they will receive a quotation from the garage, authorize it, receive an invoice and pay the invoice. That is a lot of people managing a lot of paperwork for a 3,000 THB insurance claim. The cost of handling an insurance claim is on average, about 2,000 THB, without including the actual repair. While customers may think they do not have to pay, the insurance premium calculation includes all these expenses, and they impact everybody. Statistically, one accident out of two is for an insurance claim below 5,000 THB. These claims generate very high costs for insurance companies. The companies, of course, include these costs in the car insurance premiums. Why are so many no-excess car insurance policies sold in Thailand? If it is a lose/lose situation for both driver and insurer, why is no-excess insurance so common? The simple answer is because there is one big winner in the transaction: the intermediaries. Agents' and brokers' remuneration is a percentage of the car insurance premium. They usually get paid 18% of the premium so the higher the insurance premium, the better for them. For this reason, they tend to promote insurance policies without excess with the simple message: 'It is much better for you. You don't have to pay for anything, and the insurer will pay every cost'. It is indeed a great simple message. But one that does not stand scrutiny because you are paying much more upfront than you should. Let's have another example. The average car repair cost is 10,000 THB per year. An insurance company needs to manage all insurance claims, including small claims : On average, 3000 THB for the whole servicing of policy (issue policy, send documents, offices, etc.) Out of the 3000, 1000 THB is for managing insurance claims, out of which 500 to manage small claims below 5000 THB. Then the agents take 18% of the total car insurance premium. So the total insurance premium is: 16,000 = 10,000 (car repair cost) + 2,000 (insurance company expenses, non-claims) + 500 (manage claims of more than 5,000) + 500 (manage small car accidents) + 3,000 (broker agent commission % of insurance premium) Now, continuing with our example, let's assume the customer choose excess insurance of 5,000. On average, it will reduce the repair cost carried by the insurer to 5,000. It will also reduce the cost of managing insurance claims by 500 by removing the small claims. The cost without commission becomes 5,000+2,000+500 = 7,500. The intermediaries are taking 18% of the premium, but now the car insurance premium is 5,000 + 2,000 + 500 + 1,600 = 9,100 The customer would have to pay the excess when they have a car accident at fault or without a third-party, which is on average an additional 5000. That makes the total cost on average 9,100 + 5,000 = 14,100, which is a saving of 1,900 THB. This saving comes mainly from the broker remuneration, reduced from 3000THB to 1600THB. Also, there is a 500THB in cost-saving from the insurance company since they don't have to manage small claims. One can easily understand that the main losers in this equation are the intermediaries, and that's why most intermediaries will advise you to buy a no-excess insurance policy. Another benefit of excess insurance is that small insurance claims won't be reported. So, they won't impact the driving record of the insured driver with his insurance company. At the time of renewal, the driver can benefit from an improvement in its No Claim Bonus. Why would it benefit customers and society if more drivers used insurance policies with excess? Another benefit of policies with excess is that drivers with an excess drive better. On average, people with insurance excess do fewer road accidents. If a driver knows that a car accident will generate a cost, he/she will take fewer risks. With a no excess insurance policy, the driver bears no consequences in a car accident. It would not be a big deal if that caused implications only for the driver and its car. Unfortunately, reckless driving has an obvious consequence which often can lead to injuries or death of other people. There is a correlation between the high number of road accidents in Thailand and the preponderance of zero excess insurance policies. In conclusion, we strongly advocate for buying an insurance policy with excess to save money, for yourself and others, and to reduce the risk of road accidents. Roojai.com online car insurance Expect more, save more
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  17. Stop the personal comments please.
  18. Depends entirely how long you intend to stay in Thailand. There is a practical answer known to be the actual case in majority of identical situations, and of course the official answer to this question.
  19. Public discussion of other members is against community guidelines. Posts removed.
  20. Israeli Prime Minister Benjamin Netanyahu declared that he informed the United States of his opposition to the creation of a Palestinian state after the resolution of the Gaza conflict. During a press conference, Netanyahu asserted his determination to continue the offensive until achieving "complete victory," defined as the destruction of Hamas and the return of remaining Israeli hostages, acknowledging that this might take "many more months." With nearly 25,000 Palestinians reported killed in Gaza and 85% of the Strip's population displaced, international pressure on Israel to halt its offensive and engage in meaningful talks for a sustainable end to the war has intensified. The US and other allies, as well as some adversaries, have advocated for reviving the dormant "two-state solution," wherein a future Palestinian state coexists with Israel. Many hope that the ongoing crisis could push the conflicting parties back to diplomacy as a preferable alternative to continuous cycles of violence. However, Netanyahu's comments suggest a contrary intention. Following Netanyahu's statements, US National Security Council spokesman John Kirby acknowledged the divergence in perspectives between the US and Israel. Netanyahu had previously asserted on Thursday that Israel must maintain security control over all land west of the River Jordan, encompassing the territory of any potential Palestinian state. He framed this as a necessary condition for Israel's security, conflicting with the notion of Palestinian sovereignty. Netanyahu's latest remarks align with his longstanding opposition to Palestinian statehood, a position he proudly emphasized just last month. The public rejection of Washington's diplomatic efforts and the commitment to the current military strategy illustrate a widening gap with Israel's Western allies. Since the October 7 attacks, the most devastating in Israel's history, where Hamas gunmen killed approximately 1,300 Israelis and took 240 hostage, the US has supported Israel's right to self-defence. However, as the death toll rises in Gaza and distressing scenes unfold, Western governments have urged Israeli restraint. The White House has consistently sought to influence Israel's military approach, advocating for more precision-guided weapons, discouraging a ground offensive, and promoting a two-state solution with a role for the Palestinian Authority in post-conflict Gaza. 19.01.24 Source
  21. On the bottom it states "Food and Drug Administration. " "Print from the original electronic document Food and Drug Administration Ministry of Public Health" That's where you'd get it.
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