bamnutsak

https://en.wikipedia.org/wiki/Airfield_traffic_pattern https://aseannow.com/topic/570269-cnx-flight-paths-have-they-changed/

A SWIFT first-party international wire transfer of USD directly to your account at Bangkok Bank in Thailand may be the best all-around option. But you need to check with Vanguard (or Fidelity, TRowe, Citi etc.) to see what their procedures and costs are. WISE may also be an alternative. I know that Fidelity offers fee-free SWIFT transfers, BUT you need to have a Medallion-endorsed transfer order on file, and you need to call in the transfer. For me, I was required to submit this standing order in person at a Fidelity branch. Transfers flow from Fidelity to Chase JP Morgan (intermediary bank, no fee) and on to BBL/THL, where they offer the TT Buying Rate and a sliding fee of between 200 and 500 THB. https://aseannow.com/topic/1271424-usa-vanguard-wire-transfer-to-bangkok-bank/

Pete Hegseth throws an axe, of course it strikes a USMA drummer. https://www.youtube.com/watch?v=pMrVdFnjEjs

What/which rate do you get?

Can you expand a bit on what you were doing? Were you using a US-issued ATM Debit card to withdraw THB here? Which financial institution issued the debit card? Is it Visa or MC (the logo should be on the front of the card)? Does this bank charge any additional fees (percentage)? Some do not charge a fee, some do. Typically 2%. How much THB did you withdraw? How much USD was withdrawn from your account? Did you note the local fee? Was it 220 THB? The rate should be from VISA or MC, and they have one rate per day, AFAIK. https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html With 0% fee, yesterday from VISA the rate would have been 34.19, WITHOUT factoring in the 220 THB ATM fee. Fidelity does not charge a fee, and they reimburse the 220 THB ATM fee, usually within 48 hours.

Most merchants have chip reader terminals and support Tap-to-Pay.

I haven't received my new Fidelity ATM Debit card so no first-hand experience. My guess is that it will work in EMV Chip-enabled ATMs here, but no clue how wide-spread those are here. Based on a quick scan of SCB and BBL it looks like they've switched their cards and ATMs over to EMV chip-enabled. The new card does support Tap-to-Pay, and can be added to your Google Wallet. The best news...no foreign transaction fee. (The Fidelity Visa credit card has had no foreign transaction fees for a few years.) Fidelity reimburses all ATM fees, foreign and domestic, including the local ATM fee here (220 THB), usually within 48 hours. My limit on ATM withdrawals is $1,000 per day. This may vary for each customer.

I've been buying MS Office keys from vip-scdkey for ~ five-ish years. Most recently, new PC build, July, ~ $29 (USD). Legit. Highly recommended.

What is your reporting office?

You will ALWAYS pay a premium for direct non-stop flights, supply/demand. Comparing prices from "a few years ago", or with different city-pairs is a waste of time. ALL of the cheaper fare buckets to/from BKK are sold out for the next ~ 3 months. Travel in March still has cheaper fare buckets, and going via a Middle East carrier might get you down to ~ 650 GBP v. ~ 1,000 direct non-stop.

For me, with some ~ 20 applications GV works with all of them. I do have UltraMobile PAYG (int'l roaming/WiFi Calling) as back-up. Incorrect, UM PAYG roams here fine, on mobile signal ("R" displays above mobile signal strength) OR with WiFI Calling. Incorrect. (It does work in the U.S. too, of course, so that helps if you make trips back home.) Meh. But UM/PAYG supports all of your "foolproof" requirements. Correct. UM/PAYG supports WiFi Calling. Fidelity offers OTP via their mobile app (for desktop/web login). In addition to SMS. BofA supports a FIDO key.

Assuming you have AIS Fibre, you can use AIS Play, an app that runs on a phone (and can be cast to a TV), a TV (natively), or a streaming device attached to the TV. https://www.ais.th/play/en/freecontents.html You can layer additional services onto AIS Play. 3BB Fibre has a similar streaming offer. What ISP/package do you have? Your LAN details? Equipment details?

Can you narrow down "product"? Flower? Oil? Extract? Edible? Budget? Location? This one.

Thank you for having Dark Mode.