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wjuranek

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Posts posted by wjuranek

    US Paypal -> Bangkok Bank vs. NY Branch ACH fees ?

    in Jobs, Economy, Banking, Business, Investments

    Posted

    So have money sent to me via SWIFT wire transfer, which cost $50 fee with a better exchange rate than PayPal. Cost more but guaranteed to be in my account within 2 business days.

    Yes, SWIFT is the fastest way to send money to Thailand, but at a cost. And ACH transfer times vary widely, many banks using a middleman (including Bank of America). And since ACH transfers are batch processed, if your bank slow cycles these batches, well, you'll be waiting several days for your money.

    Other banks, besides not even charging for an ACH transfer, are fairly quick. USAA takes no more than 33 hours, in my experience (if no weekends/holidays): Go on-line at midnight Monday, Thai time (noon San Antonio) and initiate the transfer. And at 0900 on Wednesday, your money should be there. And like a SWIFT, you'll get the buying TT rate, plus the .0025 backend fee. But, you won't be paying a frontend fee of $50. Only $5 or $10.

    Yes, USAA has a $5000 transfer cap -- but this can be tripled, even for relatively new customers. Or, if you've been with them for 47 years, you can raise it to $30k (maybe more, but why?).

    Sent from my iPhone using Thaivisa Connect Thailand mobile app

    Garcinia Cambogia -- In My Experience, This Stuff Really Works

    in I'm Too Fat Forum

    Posted

    Well, it has been some months now using Garcinia Cambogia.

    Two pills at least 30 minutes before eating any meal with some carbos in it; in other words, all meals.

    My goal has been to lose 3.5 pounds per month.

    So far I am bettering that goal.

    For me personally, the experience with Garcinia Cambogia has been TOTALLY AMAZING.

    Food cravings almost completely gone. No cravings even for life long things like pizza. Appetite -- way down. Hunger -- taking a long time to happen. Have too big a lunch meal? Later, no desire to eat an evening meal at all and waking up the next day -- not famished. Yes I pay attention to what I eat. I do my best mostly to eat foods that I consider healthy, fruits, veg, healthy fats, lean protein, limit the pasta bread etc.

    I still do the same very moderate level of exercise I have been doing, religiously.

    This pill is NOT magic! You can't take it and eat cakes and never exercise and lose weight but if you are like me you won't even want any cake.

    I can still enjoy my delicious foods and the flavor of the food. Just LESS of it and even fewer meals when I skip dinner.

    My intention is not to skip dinner by eating less for lunch.

    Still adjusting to living with this new low cravings body. Buying fewer groceries so I don't end up throwing out too much. Ordering differently at restaurants.

    But the point is that so far, this is no diet. With this pill, I could sustain this way of eating for life.

    I know some of you have a moralistic hangup that you don't need help, that is all has to come from some kind of magical will power, or it isn't worth doing. I have the opposite view. Almost all fat people NEED help but the help that has been out there has not been good enough, or safe enough.

    Garcinia Cambogia so far for me is good enough. Will it stop working in two months? Possibly, but I really don't think so. I find the effects of it very convincing. They are not diminishing one bit. There is no need to up the dose to get the same impact.

    Is it safe enough? I don't know. I do know it is not speedy, and that's good.

    If you're interested. Do your own research. Explore how this will impact on your own health situation, etc. to your comfort level. Don't take it because there are so many internet sites saying how great it is or because I am saying it is fantastic. Which I am.

    But yes I think it is something fat people should consider looking into.

    Cheers.

    http://garciniacambogiahca.com/

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