Swiss1960

1 hour ago, The Fugitive said:

No mistake. Retirement extensions didn't previously require photocopies of the 'Receipt(s) Of Notification of Change of Address'. They do now as I found out in October this year.

OP wrote about "xopies of previous extensions and bankbook pages"  those were ALWAYS required.

If we tell you everything, we take all your fun out of your holiday experience ????

Have seen millions of cash been handed over at Pattaya land office, but also payments on app (immediately visinle) or cashiers checks which will take 3-5 days to be posted to your account.

All depends on what payment terms are scheduled in the contract. 

Multi-Factor Authentication (MFA) is the future for secure access to banks / websites / social media etc. 2FA (2-factor authentication) is just a subset of it. Banks started with issuing you the little number pads for login to your online banking, and other companies followed. 

The second wave of 2FA was one-time passcodes through SMS (still in use), which need a telephone number to work or one-time passcodes sent through email, which "only" needs internet, but does not care about your phone number.

Todays standard are authenticator apps, be this Microsoft Authenticator, Google Authenticator, Duo - or any of the zillion other apps that provide that service. Additional factors can be fingerprints or Face ID.

It does not matter Google or Apple or Microsoft or banks or social media accounts - MFA is here and will not go away. Hacked accounts cost these companies a ton of money and effort to help the customer recover from a breach, and thus, MFA will be mandatory very soon. I currently have 6 different 2FA/MFA solutions in use, since there still is no clear standard and every company pushes their own / their partner's product.

5 hours ago, thaibeachlovers said:

As, IMO, governments seem to make life more difficult with some of the laws they do pass, I'd be quite happy if they didn't pass any laws other than those with at least 90% votes.

 

IMO the Swiss come closest to real democracy with their requirements for referendums on many things.

The referendums in Switzerland are only a part of the system.

The other main part is that governments in Switzerkand (on a national and state level) consist of ministers of several political parties that actually work together to find solutions.

The Swiss government consists of 7 ministers (secretarys in the US) from the 5 biggest political parties. Each year, one of them will be President, but only as Primus inter Pares (first among equals). It is their job to jointly find the best solutions for a majority of the population and not only for their political basis.

Do NOT take a Thai health insurance. When you have a claim, they will either throw you out for next year OR apply a 25% risk surcharge for every claim! @internationalism: that is what Pacific Cross did after my wife had a meniscus surgery.

I am happy with Cigna Global

1 minute ago, hotandsticky said:

 

Do you have evidence an actual rejection of an extension for that reason?

 

 

I doubt it very much, but I have evidence of an Immigration office (not Jomtien) approving an extension where someone had exactly the same situation but paid in sufficient funds during the day to top up the balance.

Oh yes, I have evidence of that... my own evidence...

Until last year, I had a fixed interest account with SCB for my extension. What SCB does for these accounts is that every time they change the interest rate / when the term runs out, they book three intra-day transaction: One with the interest, a second one to withdraw the WHOLE balance from the account, and a third to deposit the whole balance back to the account in order to start a new term.

I thought that this is no problem, as all is intraday and it is only internal SCB transactions... the first IO rejected the bank statements and told me to come back when I have seasoning without such transactions. 

I had to call my account manager from SCB in Jomtien and have her come to the immigration office in order to clear the situation and explain that I never touched the money. The then IO (the lady manager at desk 6) told me that next year, this would not be accepted any more and that I should change my account to a "normal" one, which I did.

Final report: I want to Jomtien yesterday with the two bank letters from SCB and presented the whole bundle. The IO did see two accounts, asked why, I explained my mistake, then the IO started to compare dates, came to the conclusion that I was always above the 400K in total and the only remark was "be careful with your bank account". 

Definitely helps to be upfront and have all other papers complete, in order and signed. 

Thanks for all those with valuable input. 

On 10/11/2022 at 8:15 AM, hotandsticky said:

 

Intra-day transactions are only subtotals and it is the end of day balance that matters - at least by all international standards.

 

I fully accept that anything like this can give the opportunity for an IO to create an issue.

You are wrong again, as the rule says that the balance has to be above the limit "at all times". That includes intra-day.

58 minutes ago, DrJack54 said:

400k so you must be on extension marriage.

Obtain a 60 extension to visit wife.

That will provide enough time to season funds.

Obviously ask immigration if they can overlook your mistake first.

If not obtain the extension. 1900baht

Could I get such an extension in-country or would I have to to a border run?

So I messed up... I went shopping yesterday, paid with the banking app and chose the wrong bank account. My balance dropped below the required amount of 400K. My renewal date is mid of November, so I am within the 2 months where the limit must be above. I realized it minutes later and filled the account up, but I have to assume that it will be an issue at immigration.

What are my options? So far, I always did my extensions on my own, never had an issue. Can an agent "fix" this with immigration? Will immigration in Jomtien "accept" it as a genuine error? Do I need to do a "border run" to get a 30d exempt and then restart the marriage visa process when back in country? How would that work?

Am genuinely pI$$ed at myself.

No. There are no work permits for self employed foreigners. A work permit needs a company.

With a US passport, you will most likely not be able to sponsor a Visa, as the "issue" for the Schengen immigration will be your lack of accessible assets to block in case, the Visa applicant decides to "run".
I know for a fact, that German Visa sponsors must guarantee 50K EUR, and the guarantee remains in place for 5 years!