laobali

hi there in cambodia you dont need to have visa for u can keep your deposit rate , l spend only 15 days or less in cambodia and l can keep my deposit

the diffrent is if you are not resident you pay 14 % tax and if ur resident u pay 6 %

as l said ABA BANK and phnom phen comercial bank ask only passeport ,

l saw ur post about canadian bank , they ask same bu llshit about 6 month or 1 years visa , and cambodia public bank also asked me a work permit ,

u can open with acelda bank , if u can have certificat of resident , if u have adress and 1 year visa

l think its best bank rate in cambodia , u can also find better bank but a small bank branch

the good thing its l keep my money in USD USA

If the staff at the bank (or the rules) change, you might have a problem withdrawing it at the end of the term. It won't make any difference what currency your deposit is in.

For someone living/working in Laos (or at least with the right documentation) with spare cash which will most likely be spent there anyway, could consider this as a low risk investment. Anyone else, probably not. By the sound of it Cambodia and Vietnam are making it more difficult for foreigners, and Laos will follow.

The 11% rate is there for a reason. It's called risk. The risk of expropriation of foreigner-owned assets, or being dudded by currency depreciation i.e. printing money, is priced into the rate.

You could probably get a 60% interest rate on your money in Zimbabwe, but that doesn't mean any sane person would invest there.

Rule No. 1, as previously posted, is if it sounds too good to be true, it probably is.

Rule No. 2 is never invest in anything you don't understand.

It's not a realistic comparison. Zimbabwe no longer has its own currency; now uses the USD. The Lao kip is a non-convertible currency; it can only be exchanged within Laos at rates controlled by the government. The term interest rates in Laos are kept relatively high to encourage mostly foreign cash investment which is then converted to kips and lent out at much higher rates for local mortgages and business loans; secured by property. Real estate prices have risen significantly in the past few years.

I can see Acleda ( Lao ) branch are offering very good rates. can anyone tell me which is the biggest bank in Lao PDR as the other banks are not being upfront with their deposit rates or at least they aren't where I am looking online.

BCEL is the main commercial bank, owned by the Lao government. Their deposit rates are not the highest, but possibly lowest risk, although I don't think any Lao bank has failed for quite a few years due to stricter regulation. Good info at www.retire-asia.com/lao-bank.shtml Also a list of Lao banks.

I had no problems whatsoever with term deposits in several Lao banks (ANZ, JDB, PSV from when the rates were up to 15% a few years ago). LAK earns much better interest than THB or USD and you can exchange freely between them whenever you want. You need a Work Permit to open a fixed deposit account in your own name. Kip rates are stable and haven't changed much for several years.

At this point, we can ONLY SAY: Rest in Peace! Nothing else!

You're not obliged to post anything at all.

I watched the first 1:40 or so, the only thing I found objectionable was pronouncing "Reading" as "redding." Just one more case of hubris. If they had asked ANY native speaker, the speaker would have pointed that out to them.

Hubris.

Probably should be changed to "Ledding" now, in homage to the "Loyals" owners.

but obviously still no Airport-shuttle to get to/from the Airport, right ? So individual travelers have to surrender to the local transport Mafia.....

May not still be the case, but I found this on TripAdvisor

... limousine service named The Crane Company. This company has serviced a joint mini-bus form Pattaya city to Utapao Airport with a charge of THB250 per person.

For reservation, you could contact +66 81 377 2778. They will ask for more details of your hotel address and your flight details.

Found a nice pic of that soap:- http://1.bp.blogspot.com/-4smSxsyymno/VXKePRxpMkI/AAAAAAAACeM/1IyndG6QYE4/s1600/clorinr.jpg

CHLORINR SAOP?

No, it's CLORINR SAOP. Get it right!

I love threads like this. Makes me feel like my relationship and life in Thailand is NORMAL

lol.. I agree wholeheartedly. Its a scary thought isn't it ?

It makes you wonder... Thai girls and facebook VS Farangs on TVF...

Which is more childish ?

Next...

Except there are millions of Thai Facebook users compared to probably a few hundred habitual TVF posters on threads like this.

Easy daily affiliate income from TripAdvisor through CJ, getting paid for clicks rather than bookings. Been doing it for years.

How easily are you making 5000 USD a month off tripadvisor clicks?

I'm talking about serious business, which is very difficult to make through PPC with tripadvisor

I didn't say I was, only that it's easy - depending on site traffic.

Easy daily affiliate income from TripAdvisor through CJ, getting paid for clicks rather than bookings. Been doing it for years.

I took over the lease of a guest house last year. Fairly straight-forward, just meet the owner, decide how many years you want to lease for, try to only pay a month in advance (no deposit) in case things go pear-shape. Can leave monthly wifi/elec/water bills in owner's name, just pay them yourself.

In my case, lease was for two years, owner wanted one month bond (forget getting that returned - standard practice here is you get a 'free' month at the end of contract). The GF and my own name were on the contract. The contract was the standard rental contract (costs 5 baht in a newsagent, maybe some TVer can post a link to download the .pdf [which is A4])

We did a few improvements without consulting the owner - painting, repairing electrics, rerouting plumbing, fixing doors etc - that is at your own expense. I would have requested owner's permission to undertake major structural changes eg. knocking out a wall.

'In case it goes pear-shape'? My GF shot through soon after I gave her 43kB to buy a new motorbike for the business, with the week's takings... what a silly old fawker I am. AA

"My GF shot through"

Can someone translate this into English, please?

Apparently, she called for a Mulligan on his double-bogie and continued with the front foursome.

Load of balls.

With a hole in one.

why does the story say allegedly? he was shot in front of many police witnesses

Because a Thai wouldn't do such a thing. He must have been possessed by evil spirits.

Because a Thai wouldn't do such a thing. He must have been possessed by evil foreign spirits.

A Thai did this , no foreigners are to be blamed . Now you can all take a deep breath.

You're wrong. If the foreign Chinese hadn't been there, it wouldn't have happened. In Thai eyes, this was definitely because of foreigners!

I wonder how TAT is gonna spin that one ...

Silence is golden!

If only that were true.

The theory from Mrs. Noo is that there is a strongly held belief by the Red Shirts and the Big Boss that until the Erawan shrine is destroyed the Big Boss will be unable to return to Thailand.

Sounds like nonsense.

Trouble is, there's a lot of it about – and it's contagious.

I have recently bought a solar panel equipment from Amorn Electronics and have basic electrical knowledge. I assume you want to power an AirC somewhere you either don't have A/C or stable of the same. Nevertheless, this is what you need to run an AirC that uses 500W continous power for 5 hours and you have 8 hours of sun light:

First you need to know your total Wh. From above we have 500W x 5h = 2500Wh. This corresponds to two 1200Ah batteries that can deliver all the way down to 12V.

Then you need to charge the batteries. To charge the batteries full in 8 hours you need a total of 2500W/8 = 312.5W of effective solar power.

So materials would be:

3 x 120W solar panels (12000b)

1 x Charge regulator at 20A (buy for 30A if you want to expand in the future) 1500b

2 x Car batteries (if you buy more batteries, also buy more panels as uncharged batteries are useless 8000b

1 x 1000W continous Inverter 2500b

Total: 24k ex Aircon and cabling (but cables are cheap).

For better control I would get a charge controller with power meter and a volt meter for the batteries. This is cheap to buy on ebay - I bought several and shipping is quick and free.

Good luck.

Ps. Solar company staff knows zero unless you are very very lucky. I haven't.

Unless I'm way out of date, a small aircon unit (8000btu) draws about 1200W and needs double that to start up. 500W wouldn't power much more than a fan, so more like a 3000W inverter needed and several deep cycle batteries.

You'd be better off just throwing your money in the trash can - it would save you all the paperwork, hassles, bribes, and intimidation which will take place before your restaurant fails and you're left with nothing.

Tend to agree. It was not that difficult or risky when I started a small restaurant in the late 90s. Just a lot of hassle, endured for the need for financial survival at the time. I wouldn't consider it now. If you've the capital to start this, avoid the trash can and keep it outside Thailand!

I thought diseased payouts were based on the diseased potential earnings etc and not the earnings of the accident causers earnings...?

Sorry to be a pain, but try 'deceased'.

You're 'dead right' there!

and I always thought Thailand was a tattoo culture.

So much for those that are covered in tattoos from the temples done by monks.

Why is vocational schools about getting jobs? Why is it not about creating jobs and going into

business for yourself? Why is the Thai old school mentality all about getting a job rather than being the

business owner. If I became a certified mechanic or welder, I certainly wouldn't want a job, I'd start a business.

Come on Thailand, you're not creating happiness and equality, but you're doing the opposite, creating

division and taking away opportunity. Shame shame shame for being so shallow,.

Shallow has reached a new depth!

Newly-certified mechanics or welders would know how to use the tools of the trade, but nothing about running their own related business. They would require a significant amount of work experience and there's no way to get that except by getting a job first. With or without tattoos.

And what if your too stupid to use the word "you're" and "your" correctly Einstein?

At least he got the "too" right.

I am always amused how the BIB present their case and evidence on a cardboard sheet & flowchart -----somewhat like a 10yr old child doing a school project----when they have these photo ops.

Here is our evidence , case closed , no need for a court and judge.

Their main audience has the intellect of an average 10 year old.

Not to mention some of the audience here...

Midnight on a Saturday night/Sunday morning, one has to wonder how many students would be milling around at such time.

You'd be surprised. They just don't look like students after dark.

Bless them, Lord (Buddha), they know not what they do.