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Tracyb
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Posts posted by Tracyb
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3 hours ago, ukrules said:
I keep two phones, one Thai and the other from home, never fails.
So, how does that help to receive an SMS from a stateside bank on your USA phone line? Do you use roaming on that line?
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Hi,
Im searching for a way to get One Time Passwords (OTP) that are sent to my overseas phone number in the USA forwarded to me here in Thailand. Is it possible to get the SMS that a bank sends to my home phone forwarded to me?
I would appreciate any directions for those of you who have found a way to do this successfully.
Thanks!
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Where are you located?
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I used 3M Privacy Plus film on my car windows. 35% on the sides and 20% on the rear window and front windshield. Works great to reduce heat, virtually eliminates UV, makes it difficult to see INTO the car from outside so it’s good at masking the contents and, it does not affect vision out the window at night.
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10 hours ago, Max69xl said:From 66 years of age,the price goes up a lot. But I don't understand why go for an insurance that covers 3 million baht.
Well, the cost to go from 1,200,000 coverage to 3,000,000 coverage was the equivalent of US$750.00 per year. The value of that coverage in US dollars is approximately $40,000 vs $100,000, so I thought it was a good value especially considering that coverages for individual policy components also increased. I can change policy limits upon renewal if I so choose...and I may. It will depend on how I feel at that moment, I suppose.
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3 minutes ago, BritManToo said:
Do you consider 400k a big value claim?
I guess it depends on your financial status. Its all relative, I guess!
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2 minutes ago, scubascuba3 said:
I've read posts where people were saying if you claim too many times the premiums will shoot up, so one particular person stopped claiming and paid themselves. So maybe use the insurance for big value claims only
Yes, I understand they can raise premiums as much as 25% if one has a large claim. One reason I chose a deductible and a certain level of self insurance. I think one would find the same issue with almost any carrier, no? I forgot to mention about the 10% reduction in premiums if you have no claims in the first year, 15% for second year, 20% for third year. So if a small claim amount to less than 10% of the premium expected in the next year, best to suck it up and pay it yourself.
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1 minute ago, scubascuba3 said:
Unless you claim it seems
Meaning what?
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7 minutes ago, TaoNow said:
For Tracyb: Sorry if you already told us, but which insurance company is this? Thanks.
Pacific Cross
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4 hours ago, kingofthemountain said:So what is the price\year?
I paid 72,000 baht. They take cash, bank transfers, checks, and Visa or MasterCard.
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But why bother? The decision came down to not wanting to self insure to the extent I had been.
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OK. So after considering all the issues at hand regarding insurance for O-A Visa holders, I decided to go ahead and buy the coverage I need for MY O-A predicament.
I have to say that buying insurance coverage here in Thailand wasn't an easy decision to take, but..... I did finally decide to obtain coverage from Pacific Cross.
I thought about going out of the country and getting an "O" visa and then considered that I could possibly be back in the same predicament later if IM decides to include "O" visas in the requirement for insurance. In the course of my deliberations I vacillated between
1). buying Insurance and keeping my O-A alive, or
2). continue to self insure and go for an "O" visa in Laos.
3) Cashing in and moving to another country
4). Cashing in and going back to the USA to find housing and a return to my life there.
I ended up determining that for all the hassles IM puts in my way, I'm still better off here than going back to California... or any other state in the USA for that matter. All of the European countries where I have an interest in living require insurance before issuing a visa for long term stay ( beyond three months). So here I am.
I'm 68 years old and I have two pre-existing conditions, both of which are not life threatening and have been excluded from my coverage. My only other insurance is Medicare in the USA which offers no coverage here in Thailand.
I decided to buy a plan that provides 3,000,000 Baht inpatient and 3000 Baht per outpatient visit with unlimited visits allowed each year. Coverage is good at every hospital in Thailand. I chose an annual 40,000 baht deductible to reduce the premiums by 25%.... . So, I'm self insured to the extent that I have to cover 40,000 baht before they pay for treatments of any kind...inpatient or outpatient. I got a physical, the insurance company reimbursed me for the cost once I was approved for coverage. My policy coverage starts today.
I have to say that my decision finally came down to the fact that I was gambling that I won't get inured in an accident or experience a major medical problem and that if I did I would just have to suck it up and pay the bill. It became a matter of economics for me. Yes, I can afford the premiums and I appreciate that many others in my situation may not be able to. I also understand that many folks will choose to go the "O" visa route and convert from an O-A and continue to self insure. One will do what one feels best for oneself and I respect that.
Now that I have the insurance coverage I have some peace of mind knowing that I won't have to transfer large sums at crappy exchange rates to cover medical expenses that I might incur.
I'm sleeping easier now and that's worth the price.... for me!
Special thanks to Sheryl, too, for all the help she provides....
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I’m thinking out loud here so, bear with me.....
I wonder if the insurance requirement for O-A folks really IS a pilot program. Not that The Cabinet will, perhaps in the future, cancel this exercise but rather, once the insurance industry figures out how to manage the influx of applications and wades through the O-A folks, the carriers will give the nod and THEN Cabinet will open the requirement for the O Visa folks. In that way, the insurance companies won’t suffer a logjam in processing applications and cause the whole system to break down and....they’ll have the opportunity to evaluate the market and adjust premium costs.What do you think?
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Suggest using Transferwise for all future transfers....regardless of which bank you use.
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well, I was thinking more along the lines of avoiding being lynched by waiting Expats! LOL????
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"Next year, I guess, I'll try the walk up and drop off paperwork approach at the re-entry permits desk, and see if that works as they promised. And just hope I don't get lynched by a crowd of angry farangs who've been waiting there in queue for an hour! "
Ya. Good luck with THAT!
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I recommend smart tv. It will connect with your wireless WiFi and offer you a myriad of options you’d otherwise miss out on if it were....as they say....a “dumb” tv! LG is a good brand...and their remotes have a point and click capability that you may not find on other brands. I find this feature to be very useful.
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Look for a Baan and Beyond store there. The one here in Chiang Mai has them for sale, right now!
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Just now, Jingthing said:
Well actually people have been obtaining 90 day O visas IN THAILAND for many many years as part of the two step process where the second step is the first retirement extension.
I see! Thanks for clarifying that for me. Appreciated!
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5 hours ago, MJKT2014 said:
Not worth a lot it seems. This lawyer doesn't seem to realise Non Imm O visas are obtained inside Thailand. At 4:00 of video he suggests we were rolling into 1 yr extensions off of tourist entries into the country? I'd take half what he says with a pinch of salt.
where can one obtain a Non-IMM "O" visa in Thailand? I think not.
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3 minutes ago, ubonjoe said:
It is not really be a conversion. It is simply applying for a non-o visa after you cancel your extension by leaving the country without a re-entry permit.
Thanks, ubonjoe. I was not aware that a Non-O could be issued strictly for over fifty and retirement with no ties to Thai family or married to a Thai.
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Is it possible to convert from a Non O-A to a Non-O if one is single, has no ties to a Thai family, and is retired?
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11 minutes ago, TallGuyJohninBKK said:
That conflicts with what Pacific Cross reps have told me directly... that deductibles are perfectly fine, even for O-A certified policies. And that the insurance certificates they'll issue for O-A purposes will only mention the IPD/OPD coverage amounts, and nothing about deductibles one way or the other.
thanks for that information.... I'm considering Pacific Cross at the moment!
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17 minutes ago, cusanus said:
You do realize it's Saturday? Or is Immigration open on Saturdays? Anyway, maybe the government has Halloween confused with April Fool's. Or maybe it doesn't! Yikes!
Actually, today is Friday, November 1. No?
How to receive One Time Passwords?
in Jobs, Economy, Banking, Business, Investments
Posted
Thanks for your input. I’m thinking I may have to try another means.