hotandsticky

Don't rule out Cameron Smith - or Dustin Johnson. Hopefully Rory won't have one his occasional wobbles but if he does it will open the door. Hovland had little form coming into this but he showed his class over the last 2 days - needs another good round though. Round four (all times BST) * denotes amateur Sunday, 17 July 07:20 Sam Bairstow (Eng*) 07:30 Jamie Rutherford (Eng), Wyndham Clark (US) 07:40 Hideki Matsuyama (Jpn), David Law (Sco) 07:50 Sung Jae Im (Kor), Sam Burns (US) 08:00 Garrick Higgo (SA), Adria Arnaus (Spa) 08:10 Patrick Reed (US), Laurie Canter (Eng) 08:25 Cameron Tringale (US), Joaquin Niemann (Chi) 08:35 Jordan Smith (Eng*), Aaron Jarvis (Cay) 08:45 Danny Willett (Eng), Barclay Brown (Eng*) 08:55 Sebastian Munoz (Col), Robert Dinwiddie (Eng) 09:05 Lars van Meijel (Ned), Yuto Katsuragawa (Jpn) 09:15 Kurt Kitayama (US), Jason Kokrak (US) 09:30 Justin Thomas (US), Marcus Armitage (Eng) 09:40 Jason Scrivener (Aus), Paul Casey (Eng) 09:50 Tony Finau (US), Justin de Los Santos (US) 10:00 Thriston Lawrence (SA), Thomas Detry (Bel) 10:10 Sergio Garcia (Spa), Corey Conners (Can) 10:20 John Parry (Eng), Adrian Meronk (Pol) 10:40 Robert MacIntyre (Sco), Talor Gooch (US) 10:50 Sadom Kaewkanjana (Tha), Abraham Ancer (Mex) 11:00 Lee Westwood (Eng), David Carey (Ire) 11:10 Harold Varner III (US), Joo-Hyung Kim (Kor) 11:20 Brad Kennedy (Aus), Filippo Celli (Ita*) 11:30 Chris Kirk (US), Billy Horschel (US) 11:45 Richard Mansell (Eng), Christiaan Bezuidenhout (SA) 11:55 Sahith Theegala (US), Min-Woo Lee (Aus) 12:05 Xander Schauffele (US), Lucas Herbert (Aus) 12:15 Jon Rahm (Spa), Victor Perez (Fra) 12:25 Will Zalatoris (US), Nicolai Hoejgaard (Den) 12:35 Anthony Quayle (Aus), Ian Poulter (Eng) 12:55 Aaron Wise (US), Dean Burmester (SA) 13:05 Russell Henley (US), Dylan Frittelli (SA) 13:15 Francesco Molinari (Ita), Bryson DeChambeau (US) 13:25 Trey Mullinax (US), Tyrrell Hatton (Eng) 13:35 Shane Lowry (Ire), Brian Harman (US) 13:45 Thomas Pieters (Bel), Kevin Kisner (US) 14:00 Jordan Spieth (US), Patrick Cantlay (US) 14:10 Adam Scott (Aus), Matthew Fitzpatrick (Eng) 14:20 Dustin Johnson (US), Tommy Fleetwood (Eng) 14:30 Scottie Scheffler (US), Si Woo Kim (Kor) 14:40 Cameron Young (US), Cameron Smith (Aus) 14:50 Rory McIlroy (NI), Viktor Hovland (Nor)

It might well still be. If I ask again tomorrow the answer might not be 30!

You misunderstand. The 40k+ is the pension she will receive after my demise. If she fails to appreciate the value of her weekly 'housekeeping' then your advice would fit very well.

As you no doubt said, 23-14-70 is the sorting code number of a bank.......... I fail to see their issue, your money IS going into a UK bank account. Complain and threaten to go the Pensions Ombudsman for unjustly denying you access to pension entitlements. Quote the fact if Wise is good enough for DWP it should be good enough for any jumped up pension trustee.

You should write a book of your story, the Thai bar girl literary works need a greater sense of balance. I am not sure my partner understands the value, or implications, of receiving a monthly income of 40,000+ Baht when I am gone. My biggest mistake may yet turn out to be telling her!

Do you have other visa options if such a decision were to be made on 'O-A' visas? Again, I see no point in worrying about the 'what ifs' - it is a debilitating process. Altogether different is the sensible action of making sure you have options available in the event of any major change in visa requirements.

The day that I need to check the price of a beer, before ordering, is the day I am out of here. No issue with leaving after one drink if I feel that I have been extorted.

That is also not quite true. The decision to relocate to London was unrelated to the 1984 decision to hand back Hong Kong. As part of the takeover conditions for the acquisition of Midland, HSBC Holdings plc was required to relocate its world headquarters from Hong Kong to London. Most people saw it as a move to a 'safe haven' with the 1997 handover coming up, but it was actually a regulatory requirement.

No tunnel vision here, it was several years of living in Thailand before I discovered that Immigration CAN issue visas internally (I realised that can actually do whatever they want, if the price is right). I am one of the few Farangs who keep a copy, and has read, the Land Traffic Act B. E. 2522 (1979) - just because a Thai driving rule is included in there does not mean that everybody will stick to it. Thailand is the master of the grey area and finding solutions. The imperative words in the above post is "should that come about"...... That is baseless, just as trite as saying 'what if' to everything. Unfortunately, many of your posts have become tedious and preaching - it matters not what you want, or think is right, what is happening on the ground is what matters and that is the advice the OP is looking for. The ultimate fallback is the good old visa agent.

Wow! That is a concern as it is unrelated to the EU and specifically mentions Thailand.

Fair comment, I would not consider Wise for storing capital - only regular transfers.

Scaremongering about the future is pointless. Advice can only be given based on current requirements - and above advice is spot on.

Thank you. I have an appointment in early September to re-show the 800K. After that it looks like I will have the option to take down the balance (but make sure I start to transfer 65k pm presumably?)

Next June I am considering changing the basis of my retirement extension as above. Is there anything I need to be aware of. (a few years ago when I changed from income to 800k in the bank the IO checked that I had 12 monthly transfers, "to ensure compliance with the previous basis of approval")

Last month they told me 30 days...........

So you missed the fact that the OP was dealing with Rayong?

HSBC bought Midland Bank for a song in 1992 and moved headquarters to London in 1993 (4 years before Hong Kong was to be handed back to China), moving into Canada Square, Canary Wharf in 2002.

As a former employee of HSBC, I don't pay international transfer fees - it is still more cost-effective to transfer through Wise.

Things change! Nationwide International became defunct in 2017. HSBC UK are actually headquartered in Birmingham. HSBC globally are headquartered in London - in Canary Wharf. Wise (Transferwise) have a UK sort code and account number so are acceptable to all UK pension providers.

NAT West or Nationwide?

This is about the UK. Nothing to do with 'liability', it is EU regulation. The concern is that it is only a short step to go to closure of all expat accounts. For UK expats in Thailand that may have serious implications for, say, pension payments. Several pension funds refuse to make payments to overseas bank accounts - JCB is just one example.

From memory I think we both have HSBC accounts. They are the only UK bank who have my Thai address. I have 3 other bank accounts where they hold a UK address for me - ironically, one of them accepted my Thai phone number for OTPs. At one point Nationwide were insisting that anyone with a none UK address were directed to Nationwide International.

A good example. Whilst that is not yet happening in the UK (for expats in Thailand) my point is that it MIGHT. I am pleased that I have my Wise account in place now.

.....and YOU live here?

Not the account closures - and the ban on non-residents is only in 'recent' years.