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zeekgarcia

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Posts posted by zeekgarcia

  1. They have been told several years ago that their child has Wolff Parkinson White syndrome WPW and their child seems to be having more frequent occurrences and they want to get them checked out again. They are near Chiang Mai but they want to have different recommendations of Cardiologists that sees kids in case they feel like they need to get a second or third opinion.

  2. Does anyone have any good or bad experience with any Pediatric Cardiologist anywhere in Thailand or near by?

    A friend can use any information that you have for their child. Feel free to PM if you do not want to post something public.

    Any information that you give will be a great help!

  3. Is there a tablet similar or better than this for 8,200 B or less?

    ASUS Transformer Pad TF700T AndroidTM 4.0 10.1" LED Backlight WUXGA (1920x1200) Screen NVIDIA® Tegra® 3 Quad-core CPU 1 GB memory and 32 GB storage

    WLAN 802.11 a/b/g/[email protected]

    Bluetooth V3.0+EDR

    2 MP Camera 8 MP Rear Camera Auto focus (rear) with Flash BSI Sensor 5-element lens

    1 x 2-in-1 Audio Jack (Headphone / Mic-in)

    1 x micro HDMI
    1 x Micro SD Card Reader
    Mobile Dock:
    1 x USB2.0 port
    1 x SD Card Reader

  4. It all depends on what medicine you are taking.

    For example: A friend told me about some medicines that they take and they went to several pharmacies because they needed to buy a several months supply of one of these medicines and they did not want to go back to the government hospital that prescribed this medicine to them because of the long wait times and they figured that the price for the medicines would probably not be that much different. So they went to check out many of the pharmacies listed on this forum. What they found out was surprising that many of the pharmacies listed on this forum were for the medicine that he needed a supply of was 75-150++% <this is not a typo) more expensive than the government hospital that prescribed him the medicine.

    So when he needed medicines again he found out what times and days that are not busiest at the government hospital, which has saved him alot of money.

    To say the medicines fluctuate between 75-150% in price is not true. That is an understatement. The drugs can fluctuate in price as much as 300-400%. Many pharmacists in Thailand (two of whom have already been mentioned in this thread) are very wealthy and when they buy, they buy in very large quantities - perhaps tens of thousands of each tablet. For example in Chiang Mai they may sell some of their stock to clinics or other pharmacies in nearby cities. They pay a few Satang for each tablet and sell it for 2-8 THB each or more retail and of course much less, wholesale. They make huge profits. Thailand has many drug manufacturing factories and overall the quality is quite good compared to someplace like India. So it pays to shop around. There are wholesale pharmacies in Chiang Mai but if you don't know the owners or are not a Doctor, it is doubtful they will give you the time of day unless you make an order of say 8,000 THB or more.

    There is no clear answer to OP's questions except to shop around at places usefully suggested. Wholesale purchases of drugs are quite different than routine retail sales. If a government hospital will sell you the medicine, then it will most certainly be cheaper, but would they be agreeable to wholesale sales ? They aren't private pharmacies. (Chiang Mai Ram --- a private hospital --- by the way, will not sell you medicine without consulting a physician first --- which is a sensible policy, really.) I should note that the CMU School of Pharmacy shop on Tanon Suthep is not necessarily cheaper than some private shops and does not necessarily have what you want.

    By the way, whatever happened to Viagra freaks in Chiang Mai! tongue.png

    From what my friend said once they went back to the government hospital I think the 3rd time (this was a new medicine that they never took before) the hospital started prescribing them 3 months of medicine at a time so once the hospital knows your history and everything is ok, ask them to start giving you prescriptions for several months or if you have taken a medicine for sometime tell the hospital this and ask them to give you several months worth of medicine at a time. My friend said the cost for the medicine was less than 150B a month where as when they visited some of the pharmacies that are listed multiple times on here, the cheapest one wanted a little over 3000B for a months worth of the same medicine. So a little patience and finding out what times and days are not the busiest at a government hospital could save you a good bit of money.

  5. Again with this article I am wondering again if there is any information on the average salary of Thai workers.

    A Thai with a 6th grade education would on average make _____ baht a month?

    A Thai with a high school education would on average make ____ baht a month?

    A Thai that graduated with a Bachelor's degree on average makes ___ baht a month?

    Thanks for your help.

  6. It all depends on what medicine you are taking.

    For example: A friend told me about some medicines that they take and they went to several pharmacies because they needed to buy a several months supply of one of these medicines and they did not want to go back to the government hospital that prescribed this medicine to them because of the long wait times and they figured that the price for the medicines would probably not be that much different. So they went to check out many of the pharmacies listed on this forum. What they found out was surprising that many of the pharmacies listed on this forum were for the medicine that he needed a supply of was 75-150++% <this is not a typo) more expensive than the government hospital that prescribed him the medicine.

    So when he needed medicines again he found out what times and days that are not busiest at the government hospital, which has saved him alot of money.

  7. i think "some people " are correct

    you cant sell a vehicle that still belongs to the finance company

    if they agree ,you can have someone new take over the repayments but it wont be a straight sale ,they will have the final say

    I bought a re-possessed vehicle for a good discount from a finance company because the thai owner couldnt keep up the

    repayments and they took it back after just 7 months ,i dont know if he got anything of the 7 months he paid or not but i would guess

    not .............

    How did you find the vehicle that you bought from a finance company?

    and do you know of other ways to find vehicles that are repossessed?

    Thanks

  8. I have a cellphone with a Java operating system and I am wanting a very good Thai Dictionary or Translator to run on it.

    I am looking for a dictionary that is English to Thai or Thai to English and not English to phonetic.

    Plus if there is a dictionary that you can easily add words to, would be great. <if there is such a dictionary for an android cellphone or tablet, please let me know and I will share the information to some friends.

    If you know of any good English/Thai dictionaries to run on a Java cellphone please let me know wai2.gif

  9. I did about 3 or so over the counter debit card withdraws at Bangkok Bank with no problem, with signing papers, showing id and deposited into my account there until I found out that the usa bank csr told me wrong and my bank was charging me a 1% cc fee then I stopped doing it. All of these were over the atm limit.

    Thanks for the info and report Zeek... You mention using a debit card, but then talk about a "1% cc fee." What's a CC fee? Currency conversion?

    yes sorry I was lazy cc fee= Currency conversion fee

  10. I think we still have some fleshing out to do, in terms of understanding just to what extent the various Thai banks are or aren't willing to do DEBIT card counter withdrawals as opposed to the CREDIT card approach. And, if they are, will it mostly be only if the requested amounts are above normal ATM limits, or they'll do them even for smaller routine amounts.

    I say that because, I suspect there's a much larger population of folks here who, at least, have debit cards that are capable of doing no foreign currency fee/no other fee debit card counter withdrawals -- if the banks will cooperate. Whereas I suspect the population of folks here who have access to home country credit cards with no FCF and no cash advance fee is much smaller. As we know, cash advance fees and high interest rates are pretty much the norm in the credit cards world.

    Thus, I'd really like to hear more details from those members who have been doing regular DEBIT counter withdrawals in the past -- what bank companies, what kinds of amounts, etc etc. -- in terms of finding what kind of approaches will actually work.

    -------------------

    Also, I believe there's one other difference in the CREDIT card vs. DEBIT card approach we haven't yet discussed here. And that is, the growing tendency of credit card companies to panic and suspect fraud anytime they see foreign country charges, and the card user hasn't done an advance "I'm traveling abroad to XXXXXX country" notification.

    As someone who's periodically been on the receiving end of credit card "charge denied" rejections, you're never quite sure when something is going to get flagged as suspected foreign fraud. And in most cases, credit card travel alerts are usually limited in the duration you can select. So I've never made a practice of continually renewing and extending travel alerts on my various credit cards, because I don't use them here all that often.

    But, if I was going to start doing regular home country credit card cash advances out of Thailand, I'm a bit concerned how the various card issuers are going to respond to those in the absence of prior travel alert notifications. And then, if that was the case, you'd basically be telling the card issuers that you're perpetually outside the U.S. -- which probably is not a good message to send.

    On the other hand, most of my debit card issuers don't seem overly concerned with the location of my purchases, and I've rarely if ever had a debit card POS purchase blocked here by my card issuers. And I don't think I've ever had to do a debit card travel notification. For that reason, among others, I'm inclined to try the DEBIT card approach first -- if I can find an approach with the Thai banks that's going to work.

    I did about 3 or so over the counter debit card withdraws at Bangkok Bank with no problem, with signing papers, showing id and deposited into my account there until I found out that the usa bank csr told me wrong and my bank was charging me a 1% cc fee then I stopped doing it. All of these were over the atm limit.

  11. The solution is simple - it just takes a few minutes longer. Just go into the bank with your passport & foreign credit/debit card & ask for a cash advance on your credit card. The trick is that the sum being requested must be higher than the ATM's usual maximum advance (THB 20,000?).

    The bank does the paperwork, gets the authorisation, copies your passport (which you also sign) and the bank give you the cash. Best thing is that there's no fees! Not a single Baht & you get personalised service as part if the deal

    I dont think getting an advance against your credit card is the deal you make it sound like. Most cash advances against your credit card start the interest rate charge ticking from day 1, so no grace period to pay off the credit card balance. So, you are borrowing money at the CC interest rate, until you pay it back, with no grace period. And we all know interest rates on CC's are ridiculously high.

    So, unless you have something different than the norm, dont think this approach is as good as it sounds.

    Correct. I have read this so many times, but nobody was ever able to prove one could use his DEBIT card for a cash advance at the counter.

    For a CREDIT card, there will ALWAYS be interest running and a cash advance charge, even when using "invitation only" credit cards having $,1000 yearly fee.

    Yes, you can do this with a debit card but you better make triple sure that your bank in your country will not charge any fees for doing this and they could have a different maximum daily withdrawal rate for doing this than their atm withdrawal rate.

    I think if your bank would charge a 1% fee for doing this then it would be cheaper to transfer money through Bangkok Banks New York branch via ACH transfer.

  12. I've got a Schwab card also, but I wonder once Schwab sees how much money they may be sending on you for ATM reimbursement especially if you use the card frequently that they may find a reason to close your account...maybe gives them more incentive to see if a person is living in Thailand full time and then close the account for that reason...but they will tell you that you can instead open an International Schwab brokerage account with debt card which has high opening and balance requirements.

    Hello PIB

    Does this mean for Americans that the cheapest way to get money is by transferring through BBK in New York???

    if a USA bank:

    1. stops refunding atm fees?

    2. has a 15k baht limit per a day?

    3. has a 30k baht limit per a day?

    Please help us with the math :)

  13. The solution is simple - it just takes a few minutes longer. Just go into the bank with your passport & foreign credit/debit card & ask for a cash advance on your credit card. The trick is that the sum being requested must be higher than the ATM's usual maximum advance (THB 20,000?).

    The bank does the paperwork, gets the authorisation, copies your passport (which you also sign) and the bank give you the cash. Best thing is that there's no fees! Not a single Baht & you get personalised service as part if the deal

    That's brilliant!

    I didn't look forward to the long drive on the moped to big C and HomePro just to hit that ATM so I wouldn't get a fee. But I do like the idea of just walking into a bank and not getting charged. Thanks for the tip!

    Please make triple sure that your international bank will not charge you a % for doing this.

  14. The solution is simple - it just takes a few minutes longer. Just go into the bank with your passport & foreign credit/debit card & ask for a cash advance on your credit card. The trick is that the sum being requested must be higher than the ATM's usual maximum advance (THB 20,000?).

    The bank does the paperwork, gets the authorisation, copies your passport (which you also sign) and the bank give you the cash. Best thing is that there's no fees! Not a single Baht & you get personalised service as part if the deal

    Please make triple sure that your international bank will not charge you a % for doing this.

  15. Just tried the AEON ATM I always use here in western Bangkok...a screen did pop up saying a Bt150 fee would apply. An end to era...so sad...but some bankers are smiling big.

    Maybe a system-wide AEON ATM update occurred today. So sad.

    Sent from my Samsung S4 (GT-I9500)

    So I think Bangkok Bank atm limit is 25,000 per withdraw

    Then someone said Bank of Ayuttaya limit is 30,000 per withdraw

    So does this mean for Americans that the cheapest way to get money is by transferring through BBK in New York???

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