gamb00ler

I posted this in the other bank interest rate thread: https://assets.aseannow.com/forum/uploads/monthly_2024_04/lhe.jpeg.1da1529cc6d2a6d6f2f8100f78c0ec96.jpeg

Check your exchange rate on your bank statement to make sure you're not also getting charged a 1-3% foreign transaction fee. Record the date you did the withdrawal and then use the appropriate web site to check the exchange rate on that day. VISA: https://www.visa.co.uk/support/consumer/travel-support/exchange-rate-calculator.html MasterCard: https://www.mastercard.us/en-us/personal/get-support/convert-currency.html

The very first album to win the Grammy for Best Album of the Year (1959) The only TV theme music to be included in the National Recording Registry at the Library of Congress.

Dyson vacuums don't have the feature that I need most... and that is a motorized brush for cleaning carpets. Update for other suggestions: As another poster had suggested, I actually placed an order with Amazon.uk... that went sideways pretty quick. They initially said they would ship to Thailand but then claimed the item was damaged on the initial leg of that long journey and then stated it couldn't be shipped. I eventually spoke to an Amazon UK representative from the Indian subcontinent who promised it would be re-ordered and would arrive in 4 days. A couple of days later, my credit card was credited with a full refund. NEXT! I ended up buying from Amazon US.... now I've got to remember to only plug it into my step down voltage converter.

You neglected to mention the busy road 2m from your sidewalk table.

Is there no adjustment for the height of the wheels at the bottom of the door? I'm no expert, but checking out that option shouldn't take much effort.

@thaibeachlovers has the "many people are saying" evidence.

I'm surprised that the reason for this trial went right over your head despite you standing on a soap box.

I use the Wise website to monitor the US$ --> ฿ exchange rate. Today I noticed that the usual fee for using an ACH "pull" to fund a transfer of $1000 to ฿ had increased to $2.79 vs $1.30 as it had been previously. I didn't notice if the fee for the actual exchange had changed. Each monthly transfer of 65K ฿ is going to cost about 3$ more if using the ACH to fund the transfer.

@watgate do you have anyone in the US with a mobile that can assist you? If you do will they help you to set up Google Voice (GV) by using their phone number for the initial verification? GV will work for many financial institutions 2FA but not all. It seems the number of banks that accept GV is dropping over the last few years. A good long term solution is to use an UltraMobile PayGo prepaid plan that is $3/month. It is a legitimate US based mobile company and as yet I have not heard of any bank that doesn't accept them for 2FA texts. You would need a helper in the US to install the PayGo sim into a phone and connect to the mobile network to initialize the service and then send the sim card to you in Thailand. To use PayGo in Thailand you would need to swap sims back and forth or have a phone that allows more than 1 sim/esim. I have a PayGo sim and a phone that has my local Thai mobile service via an esim. Calls/texts to the PayGo number are sent/received via WiFi. The link that @GiveMeAColdOne provided is excellent and contains more details of what I just described. https://www.expatfinance.us/united-states/phone-verification

I have an irrigation pump that has blown the "motor run capacitor" twice now. Both capacitors were rated as 30µF 450VAC 50/60Hz. The last one only lasted 2 months. The pump usually only starts once a day, but sometimes up to 4 times. Are there different grades of capacitors that I can use? What is a good brand available easily? Would a 45µF 440 VAC 50/60Hz be advisable and would it last longer? I'm obviously don't know much about these matters... LOL.

Some are perhaps nonsense, but to me most are not... perhaps it's the whimsical tone GG uses that makes his posts seem nonsensical.

I made no claim that Roth contributions are assessable in the eyes of TRD. I limited my statement to strictly the income generated on the contributions inside the Roth account. Your claim that such income is "tax exempt" is true for US taxes. I'm very convinced that the TRD will pay no heed to the fact that such income is exempt from US taxation. The TRD won't care if the income is generated on pre-tax or post-tax assets. I should add that only the income generated inside the Roth after Jan. 1, '24 would be assessable.

It's easy to explain to you.... impossible to make you understand.

The largest solar farms in the US are located in the southwestern deserts. What do you think happens to the heat from the sun that strikes the barren desert ground? Your logic is so flawed that it can't even be called merely wrong!

Of course I haven't examined every type of income in the USA, but there is at least one income source that is not taxed in the US but may be assessable income for Thai tax residents. Income earned in a US Roth account is never taxed by the IRS if taken as a qualified distribution. It is probably assessable in the eyes of the TRD. I don't think you can state that such income is "taxed" in the USA and thus shouldn't be taxed in Thailand.

I finally investigated the reason for our bill showing two consumption amounts. The smaller amount is indeed the units exported to PEA. It is just there to show the amount exported.... we are not charged nor given credit for those units.

I have been assuming that commingling of funds before Jan. 1, '24 is irrelevant. If I'm right, then it's not possible as of yet to have funds that "have been commingled for a long time". Is my original thinking correct? While writing this post I may have thought of one advantage of commingled funds. If you have diverse assets in an account, you may have some assets that appreciate and some that fall in value. It seems likely that you can easily offset the gains of the former with losses from the latter. If the assets are in separate accounts it may not be easy to offset the gains with losses from a different account. I'm referring to the total funds that would be assessable upon remittance.

Your example has confused me. It would make sense to me if you reversed your use of LIFO and FIFO. Using FIFO your first 1M of remittances would not be assessable as those funds existed before 2024. Using LIFO the first 100K of remittance would be assessable and the remaining 1M would not.

Recently, a friend that I've known since before either of us moved to Thailand asked for my help in trying to transfer funds back to the USA. He and his Thai wife had sold properties that had appreciated substantially. The Thai bank did not ever ask him to show that he had brought any of those funds into Thailand. Perhaps that requirement applied in the past but it seems it no longer does. His bank was more preoccupied about the reason he was sending the funds.

Your figures don't take into account the actual amount of heat that the air conditioner must transfer from the room to maintain the selected temperature. Obviously a well insulated room allows less heat from outside to raise the inside temperature. Less power is needed to remove less heat. The "average" consumption needs to be adjusted for different circumstances.

I posted a notice in the Bank Savings Interest Rate topic a couple of weeks ago. LH Bank info page: https://www.lhbank.co.th/en/personal/deposits/foreign-currency-deposit-account/

I wasn't trying to get an FCD account... I was seeking the EZ Savings account @1.5% rather than using fixed deposit accounts. It's a lot more flexible and no need to bother with renewal at end of FD term.

I recommend that you call the SCB (027777777) customer help line and ask them if a foreigner on a retirement visa can have an FCD account. Tell them you aren't allowed to work so obviously no work permit. I checked SCB's web site and they make no reference to a work permit being required. There are so many stories on AN about bank staff giving incorrect information for whatever reason! SCB weren't going to allow me (on retirement extension) to open any bank account without a work permit. I told them I can't have a work permit and that I had checked SCB's website and no such restriction was mentioned. I ended up getting two accounts with no further problem due to no work permit.

Both panang and Mussamun dishes are pretty popular in central Thailand as well. I got lucky... I married a central lass with an excellent family and excellent English... not to mention an awesome cook!