DFPhuket

I'd suggest you, with your wife's help, register your home with her as the house owner. That was a fairly easy process for me (I'm a foreigner and own my condo) to go to the website on my laptop, upload docs, and set it up. You will then setup your login and password. After that, here is nothing to stop you from logging in with the site's (your wife's) login credentials. You wouldn't need to bother her. I'm in Phuket and have been routinely asked for a copy of my TM30 when going to immigration. If I know I will need to go there (e.g., retirement extension or Certificate of Residence), once I return to Thailand from an international trip, I register my return to my home and print out the form. I come in and out a lot so I only do it when I know I'll need to go to immigration.

I've been using Mint Mobile for 3 years. I have always had international data roaming turned off, but have no issues getting SMS OTPs. I'm on a cheap plan of 5 GB per month, which I pay annually. I switch from my Thai eSIM to my Mint eSIM for cellular data when I land in the US for a holiday. My relevant Mint eSIM cellular settings are: Turn on this Line Network selection - automatic Wi-Fi calling - On Data Roaming - Off I find SMS works more reliably when wifi calling is on and I'm connected to my home Wi-Fi. Also, when Wi-fi calling is on, there is no charge for making a call to the US (although I think there is for receiving one). This comes in handy when calling a financial institution since it displays your US phone number.

It sounds like you accidentally accepted Dynamic Currency Conversion (DCC) during your ATM transaction (you can Google that phrase). When the ATM offers to show the withdrawal amount in your home currency instead of Thai Baht, it's always DCC. While this might seem convenient, it comes with hidden costs. If you see it, click cancel or back. Some ATMS really try to get you to select DCC by showing it and encouraging you to click "continue." If you choose to withdraw in your home currency, the ATM's bank sets its own exchange rate, which typically includes a markup of around 5% or more. To avoid this, always choose to complete transactions in Thai Baht. This way, the conversion will be at the Visa or Mastercard at the mid-market rate, which is quite favorable. Regardless of your choice, you’ll still be charged the standard 220 baht ATM fee for using a foreign card in Thailand. A few US financial institutions (e.g., Schwabe) will reimburse the 220 ATM fee.

The Bank of Thailand has a chart on their website that lists all commercial banks' interest and fixed deposit rates. Savings accounts are mostly paying 0.25% while fixed deposit accounts vary based upon the length of term.

I travel extensively in the region, and the only place where I’ve occasionally encountered body scans on arrival is Singapore, typically for flights from specific countries. At BKK, I’ve never seen body scanners used for arriving passengers. However, customs routinely x-rays luggage, and if they had any suspicions, they would conduct a pat-down or another type of body search.

I'm a very frequent flier and find that booking directly with the airline gives you more control, faster assistance, and fewer fees overall. If you book through an online travel agent (OTA), any cancellations or refunds can take longer to process. Instead of dealing directly with the airline, you’ll often have to go through the OTA for changes or refunds, which can add extra steps and delays. Another downside with OTAs is communication delays. When there’s a schedule change or irregularity, airlines notify OTAs first, and the OTA then has to inform you. This extra step can slow things down, and rebooking options may be more limited, too. If you call an airline about an issue, they will tell you to call the OTA. You might not have access to the same flexibility in rebooking alternatives that direct bookings offer, so if having more control over your travel plans is important, booking directly with the airline is usually a better choice.

Last week, I met two female friends in their 50s who arrived in Phuket on Saturday. At the long immigration queue, they were approached by an official offering a “fast track” service for 200 baht each. They paid and saved about 45 minutes in line. They weren’t sure why they were singled out for the "service", but I suspect their appearance suggested they could afford it. I travel in and out of Phuket monthly and only occasionally encounter long queues. When it happens, this "service" creates a financial incentive to keep desks closed, let the queue grow, and offer paid shortcuts.

My dermatologist has recommended Nicotinamide (similar but different) which does not cause flushing. I mistakenly bought Niacin once, and I had the same flushing reaction that lasted for a few hours. A 2015 New England Journal of Medicine article found that Nicotinamide (vitamin B3) has been shown to have protective effects against damage caused by UV radiation and to reduce the rate of new premalignant actinic keratoses. (Source) Hence, the recommendation.

The Amazon Prime Visa credit card does not have a foreign transaction fee. This means that there are no additional charges when using the card to make purchases outside of the United States. You get the mid-market Visa/MC exchange rate, which is a good rate.

Bangkok Airways and Thai both include 20kg checked bag, seat assignment and a snack/drink plus don't seem concerned about carry-on bag weight. The first price you see is what you pay. All others are low cost and add for all of the above plus a credit card fee. The first price you see won't be the final price. If you are checking a bag, make sure you go to the final step to see how the price compares to Bangkok Air or Thai. Prices are indeed up. Total inflation since 2019 is about 9%, but prices have gone up more than that.

If at BKK with an international to international transfer on one ticket, you would be a transit passenger and go from one gate to the next without going through immigration. Your bag would be checked from your first airport to your final one. It's the same process at DMK. If it's a BKK international to domestic transfer on one ticket you would follow the "transit to Phuket Chiang Mai, etc" signs and go to a special immigration area. You'd get CIQ sticker to wear and after being stamped into Thailand you'd go up an escalator and be in the domestic section. You'd pick up your bag and go through customs at the final domestic airport. It's the same process at DMK. If you have two tickets or if you arrive BKK but depart DMK (which would be different tickets), you'd go through regular immigration, get your bag, go through customs and check in for the domestic flight at the departing airport.

When I applied for health insurance through a broker four years ago, I disclosed that both my hypertension and cholesterol were well-controlled with medication. Some carriers considered these as pre-existing conditions, meaning any heart-related issues wouldn’t be covered. However, Cigna did not, which is why I chose them. I recommend submitting applications to multiple carriers to see how each one handles your situation before making a decision. It’s frustrating that some insurers penalize you for taking proactive steps to manage your health. I get an annual wellness exam and take medications to prevent future problems, yet some carriers saw this as a red flag. Ironically, if I hadn’t monitored my health, I’d be at a higher risk but potentially more likely to be covered.

I just checked today (a Tuesday morning) and a $5,000 transfer via Wise gets 168,095.52 THB and on WU 169,367.50 THB - a difference of 1,271 THB in favor of WU. I remain surprised at Western Union, which historically had been one of the poorer transfer options, is now the best option.

I’ve been looking into transferring $5,000 from my US bank to my SCB account, and after comparing options over the last 5 days, I’ve noticed that Western Union (WU) is actually beating Wise. Traditionally, WU had a reputation for poor rates and high fees, but it seems competition from other platforms might be changing that. As of today if I send $5,000: • WU is offering 168,720.50 THB, with funds arriving in my SCB account in 0-4 business days. • Wise is offering 167,039.35 THB, with funds arriving in just 18 minutes. In my experience, WU delivers funds relatively quickly during business days. For an extra 1,681 baht, I can wait a couple of days for the funds. Is this a one-off, or has WU genuinely improved its service?

If this online submission can be done in less than 5 minutes, as is the case for neighboring countries, and then allow you to walk off the plane and go through the e-Gates instead of standing in a queue, I'm all for it. It has worked great for me in Malaysia and Singapore.