Dene16

it's not a link, it is a photo, you need to expand it as it only shows the top part of the photo i can see it myself It is the same as yours except it says 10.36 and transfer from local bank

what do you mean?

Whenever this topic arises there is always someone who pops there head above the water and makes a comment such as yours. However, and i will admit i rarely read the TransferWise posts,in the posts that i have read, the ones that have made the same statement of rates being better elsewhere have either failed to declare where the rates came from or have been found to be incorrect. First and foremost i will state that you can get a better rate the question is, is it worth it. 5 years ago i enquired at 5 different currency exchanges who claimed to have the best rates, after signing up and attempting to make a transfer those great rates were no longer available. I was contacted by 4 of these agencies and asked if they could be of help as i had declared that i want to send approx 10-20k (pounds) I told them i used TransferWise and their present rate, prompting them to offer me a better rate. 2 companies, both after stating that TransferWise charge a percentage went on to then offer a rate that still worked out worse than if i used TransferWise. On pointing this out, one came back with another offer which worked out to be 0.002 to the pound better. I cant be bothered to write about the rubbish the others came back with but they still did not better TransferWise. So from my experience unless you want to negotiate a rate every time you want to send money. nothing has been as easy and convenient as TransferWise

I believe your evaluation to be somewhat true. I have gone through my last 4 transfers all taking between 6 1/2 and 20 hours using long term funds and showing as international transfer. Obviously as some have gone through to the next day i have assumed them to take 2 days as i don't really keep track of the time. Yesterday i did a transfer at 10.36 Thailand time using living expenses and the transaction took 10 minutes. statement stated local transfer I am using Bangkok Bank

i have checked and can find no 3 hour tests for £76. Are you sure you have got this correct. Cheapest i could find was £120 at Heathrow. Other types were available at this price but not PCR. Found £95 now

As all ready mentioned only 7 days from !st Oct and only 2 PCR tests required

i will try it in approx 4 days and see what happens. The waiting time does not bother me in the slightest but it will be interesting to see if its quicker

long term stay but that option has only been available for approx 2 years. The times i initiate the transfers can be literally anytime that takes my fancy, night,day, early hours of the morning etc. I have no time pattern whatsoever

up until about 2/3 years ago my transfers from TransferWise, UK to Bangkok bank always took at least 4 days while others would claim about 2 days. Then for no apparent reason it started to take about 2 days also which is where i am now, however others are now claiming hours or minutes. The money is already in their hands when i do the transaction so who knows why mine takes longer?

Just because 3 of the 8 members of the investigation thought there was a case to be answered. doesn't mean he might be guilty, maybe some envelopes got lost in the post? All the watches were owned by an old dead school associate The NACC declined,, to make public the full details of the findings. What could possibly be wrong?

Cases have nearly halved but deaths, which cannot be hidden due to being reported by the hospital’s are still the same/higher. Another very strange observation that just does not add up.

Apparently the pound has weakened against all currencies due to the increase/high number of covid cases over the last month. This is despite the vast majority of our adult population being vaccinated. Difficulties in vaccinating the 16-24 year olds who have been blamed for the majority of the problem. Nearly 5000 cases being reported after a concert in Newquay as an example

In the UK i have had 2 shots of AZ(June),now aware i will be having a booster hopefully before my return in November. On my last jab i enquired if it would be possible to have the Moderna jab while in Thailand due to its high protection rate and possible weakening of my vaccine . They simply did not know the answer and informed me that at that time they were still testing the viability of mixing vaccines. Any vaccine has been proven to severely lessen the chance of hospitalisation and it has widely been theorised that everyone will need to be infected to build up a natural immunity. About 10% of the UK have already been infected and will have to happen multiple/multiple times for that immunity to kick in Covid is here to stay, all we can to is protect the elderly and vulnerable because they will possibly never get to see a normal life, as we imagine it, again.

lots of different stories but the latest research on the Pfizer vaccine has said there is a sudden sharp drop off in its ability to protect you (don't know at what time period that is). All UK residents over 50/55 are to have booster shots as they are worried that with a cold winter there will be a sudden upturn of cases/.deaths

Only because they spend too much time trying to fleece one partner. The black widow ( i have aptly named in our village,very good looking young 30ish) Owns condo in Pattaya from one relationship. Got new Australian husband (35) to build new house 2.2m in village ( never lived in) and new Ford Ranger.. Within 6 months divorced and had new partner in Pattaya within a matter of weeks/month She rents the condo out so don't know where she lives when in Pattaya. When in Surin she lives in the city never in the house in the village. Probably one of the reasons the Australian filed for divorcee. She still continued to live in the city even though she had the brand new house in the village while he was probably financing her rent in the city.

plus 75% of a senate bought and paid for

That wouldn't happen to be the same committee that looked into a certain case involving a large number of expensive watches. If it is, it looks like 'Boss' should be back running around in Thailand by the middle of next year to shake everyone's hand

I am sure it will come as no shock to anyone if/when it turns out to be nearly identical to the AstraZeneca that is being produced under licence in Thailand

Ok. i am going to have to eat a little bit of humble pie. The op refers to having to tell her about the money by that it has to be assumed that he gave her access so that she could withdraw the money to give to the children. He mentions her being a secretary of the company in answer to why she would have access to codes etc. This is of absolutely no relevance to the private account so i don't know why he stated that fact. For that i apologise. Cleaopatra2 has explained it well, as ownership has to be determined. Having access to pins/ codes does not give you ownership. This has been a fundamental point in many cases where dementia was involved and others having access without power of attorney (UK Law). Under the circumstances the op relates to it is theft/fraud whatever you wish to call it. Many people in the past have used the excuse that they did not steal the money as they intended to replace it at a later date (in other words borrowed the money). That is why ownership has to be determined but ultimately the money in this case, will need to be replaced even without a conviction. ???? . yes i do

I see your point but it is only a death account in name (he has named it that as it was to be used on his death) It is a private account in his sole name. He had already directed to his wife and his children that it was to be used on his death only. Just because she had access to it obviously does not mean she can take the money out to do as she pleases with. Her only defence would be to argue that he gave her permission but he had already informed his children the reason for the account. It I was actually was privy to an instance where an elderly lady had put money into an account for a grandchild, 6K, but was taken and spent by the parents. Police were prepared to prosecute but she would not press charges. Admittedly it would be problematic if he had not informed his children of the reason of the account and not/or mentioned it in a expression of wishes in his will but that is not the case here as the children were aware. Charges can be filed and would likely come under the following guidelines Financial mismanagement by people without legal authority Where someone manages a persons finances without formal legal authority then they still have a legal duty to keep detailed financial records and be ready to justify any transactions that take place

Yes i did read that, the op called it his death account. to my knowledge there is no such thing as a death account so it was just a private account. of which she had access to. In answer to a question someone asked as to why she would have the necessary codes to do the transfer he states that this was due to her being a secretary of his company Did you not read that?

Have you not read what hes said she was secretary for his company and had access to his account details, emphasis on his account details. he has emails admitting to the theft. The fact that she had access to his bank details simply makes the bank not liable for the theft but it is still theft by his wife. She has obtained money under false pretences He also states he left her the house/car so any court will realise she has the funds to repay the money by sale of any assets etc and should enforce the money to be repaid

I am looking to come back from the UK to Thailand in Oct/Nov and need to get to Surin to see my family (no transport options as all options are suspended). The GF has told me i could get her brother (lives in Bangkok for work) can drive me to Surin but will have to drop me off somewhere near Surin as if he goes anywhere near the village he will have to Quarantine for 14 days. I presume this is because Bangkok is a red Zone. I cant see that CM can stop people from going there only the other way round

What an absolute meaningless statement. Cases are still continuing to rise. Just as in every other country they are finding better ways to treat the patients and therefore a faster turn around in patient stays So when they are up to 40,000 cases per day, as has been predicted, it is okay as long as over 40,000 have left the hospitals You couldn't make this ##### up

Definitely going to try this when i get back