GreasyFingers

You will have discovered from all the above posts that building in Thailand can be a nightmare. If you have no design and building experience the nightmare gets worse. We went the other route and bought an existing older dwelling (we liked the land and location) and the had additions to suit our needs. Yes, building is cheap but involves a lot of anxiety. This is made worse if your wife has no idea of building and tends to side with the Thai builder, only because Thais know everything and the farang is stupid. If you are going to build you need a very, very strong relationship with you wife. This does not just apply to Thailand as there were many near divorces in the home country when building homes.

Poor etiquette. Actually at the beach is sinful to beach people.

Did you do any of those things before the smart phone. It was possible.

Where would I be without a smart phone....exactly where I am now. I do have one only because they are better for storing contacts and sending SMS than the small ones with a limited keyboard. It stays on my desk, not carried everywhere except in the car. I have the internet on my computer for information and when I need to talk to someone I use the phone line, do not need to look at them when talking as I already know what they look like.

Mate, it is the CBA and is something that only started in the last 8-9 months. Before that their exchange rate was terrible and they charged a fee for each transfer. They now give a better rate than OFX, usually about 0.2 baht below the XE mid rate. My transfers are $20,000 when the AUD/THB rate is above 23-24 and $5-10,000 when I have to accept the current rates. If it ever gets to 24 again I will bring a lot more over as a gift to my wife.

Kasikorn (or an intermediate bank) used to charge a fee when I transferred with OFX. I now transfer through my Australian bank and SWIFT with no fees either end. But my transfers are larger and infrequent.

She has only been ordered to pay 5.6% of the total losses of 178 billion. Not unreasonable as every one knew at the time it was a scam for her and her cronies.

I have wet MAD in one eye but could still read it. Cruel but funny.

As I said it was only to get into the system. I now live in Thailand so there are no other benefits.

If it is only sciatica I have found these simple exercises work really well. My problem stems from L4-L5 vertebrae. Look for "McKenzie self-treatments for sciatica" on the internet.

And be out of the country if the impossible happens with Yingluck found guilty of the rice scheme on may 22 and has to cough up 35 billion.

Rubbish. I get them every month for 5 savings accounts.

So you do not get a statement online every month to reconcile your account to check all of the entries?

Do you mean that not getting enough vitamin D from the sun is unhealthy, I could not care less as they are not attractive to me. I grew up on a beach when a tan was the go and to this day give me a girl with tanned skin for sex appeal.

Interesting, never seen one up here.