Etaoin Shrdlu

Those sound like symptoms of diabetes.

If you have the dealer's garage extension on your policy, the dealer is highly likely to replace the glass with OEM. If no dealer's garage extension, you would probably still be within your rights under the policy to require a new windscreen that retains all the functions of the original. Might be worth a call to Roojai to sort out in advance.

I was told of this approach by the accounting firm that did my Thai taxes back when I first started working in Thailand over thirty years ago. The RD would select a housing estate and make inquiries at some or all of the residences.

I haven't had any fraudulent charges on my Thai credit card in over thirty years. My son had a series of fraudulent debits within a short span of time (minutes) on his debit card. He contacted the bank and the charges were reversed shortly thereafter. The charges were in Euros.

The best international schools in Thailand are those one can afford that are close to where one lives.

One reason not listed is the demise of the defined benefit pension and rise of the defined contribution plan. The boomer generation started working about the time the 401k was invented and employers started phasing out traditional pensions. It's harder to fund a pension by setting aside your own money than it is to rely solely upon an employer to fund one. Here's a link to an article that describes this shift: https://www.investopedia.com/articles/retirement/06/demiseofdbplan.asp

The amount of RMDs are based upon the total balance of all IRS/401k accounts at December 31st of the prior year and your age. There is a slightly different calculation used if a spouse is significantly younger than the owner of the account(s). The IRS publishes tables and gives instructions how to calculate the amount. Here's a link to dig into: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds

Abu Dhabi is rather quiet and has fewer attractions for foreigners, although the Louvre should be good to visit, but I can't say from experience as it was opened after I left the UAE. The Yas Circuit is a great venue for motorsports if you can time your visit to coincide with an event. Dubai has by far the most attractions. Dubai Mall and the Burj Khalifa are worth a look if you can appreciate large malls and tall buildings. Your wife will enjoy shopping in the malls. Mrs. Shrdlu liked Dubai Mall and Mall of the Emirates best, the latter having indoor skiing. This time of year it is quite hot, so outdoor activities might only be feasible early mornings or late afternoons. Jumeirah Beach is ok and you can visit the Burj al Arab, but probably can't go inside without a reservation for a room or restaurant. If you have kids, they will love the water parks. My son couldn't get enough of them. Aquaventure was his favorite and second was Wild Wadi with Yas Waterworld in Abu Dhabi third. Lots of golf courses, too, but this time of year it may be a bit hot, although I played throughout the year there. My family also enjoyed a program of desert dune-bashing followed by dinner in a faux Arabian setting in the desert. Fun for the family if you have time. Don't expect to experience much of Arabian culture. The population of Dubai is about 90 percent foreigner. Also, everything is fairly expensive. I found the UAE to be quite a good place live and work and I have positive memories of my time there. I've attached a photo showing the view from my office at the top of Sheikh Zayed Road in Dubai.

I'm not familiar with the domestic German health insurance market, so I can't really comment on the claims-paying attitude of Barmenia, but since it is incorporated and regulated in Germany, I think there are probably adequate consumer protection laws in place. I looked for an AM Best rating, and found four of Barmenia's operating entities listed, but none have been rated by AM Best. I also could not find a Standard and Poors rating, but an indirect rating can be inferred. Gothaer is in the process of merging with Barmenia and the merger has had a positive effect on S&P's rating of Gothaer, which already is rated at "A" by S&P: https://disclosure.spglobal.com/ratings/en/regulatory/article/-/view/type/HTML/id/3195744 In addition, Barmenia's website gives some financial information on the company: In addition to earning an underwriting profit, something that not all insurers manage to do, Barmenia has substantial investment income. The company employs over 4,000 people in Germany and has a turnover in excess of two billion Euros. From a financial standpoint, at least according to what I can find, I think Barmenia is pretty solid. This isn't an insurer I would lose sleep over from a financial or regulatory standpoint if I were a policyholder. But I would ask a broker who deals with Barmenia on a regular basis about their claims service and claims-paying attitude.

Received mine Friday, 14 June.

Republicans: Life begins at conception and ends in a mass shooting.

Control-click or right-click in the Toolbar and select Customize Toolbar. From another Finder window drag the Download folder to the Toolbar. Press Done.

A problem can arise when the applicant doesn't remember or is not aware of all previous medical issues reflected in his or her medical records. At least one poster in this thread was denied a claim because he was not aware of or did not understand the implications of something in his medical records that was later unearthed when he presented a claim. The duty of disclosure goes far beyond the level at which an insurer will issue a policy.

Completing the application form and providing a certificate of cover from a previous insurer does not necessarily mean that the proposer has fulfilled his or her duty of disclosure to the new insurer. The duty of disclosure goes beyond providing what the insurer requests on the proposal form. Many Thai insurers refer on their proposal for to the section of the Thai Civil and Commercial Code that establishes the proposer's duty to disclose. The Thai Civil and Commercial Code does not limit the proposer's duty of disclosure to the questions asked or documents requested on the proposal form. This isn't unique to Thailand, but I don't know what the regulations or laws are on Nevis.

Yes, the issue isn't whether the undisclosed condition is relevant to the claim, it is whether the undisclosed condition is relevant to the insurer's underwriting decisions regarding acceptance, terms and conditions, and premium. In some more mature insurance markets, an insurer may have to prove to the regulator that if the condition were disclosed the insurer would have declined to issue a policy or would have excluded the condition that was the subject to the claim, or that the non-disclosure was intentional. Failing this, and depending upon the regulations in place, the insurer may be forced to pay the claim, although perhaps subject to an additional premium or higher deductible that might have been applied had the condition been disclosed. This is one of the reasons why the regulatory jurisdiction of an insurance policy should be of interest to a policyholder.

Yes, if the underlying medical history can be supplied to the new insurer when applying for cover. Coverage with a previous insurer does not equate to disclosure to a new insurer. Still need to be careful.

An applicant for insurance has a duty to disclose all material facts that would affect an insurer's decision to accept the applicant's risk, what terms and conditions to offer, and what premium to charge. This duty of disclosure isn't limited to what the applicant can remember or is aware of at the time of application. Many insurers will bow to convenience and accept whatever an applicant puts on the proposal form rather than requiring a detailed medical history from the applicant's medical providers. Then, when a large claim is presented, they conduct the type of underwriting exercise that should have been done at the proposal stage solely for the purpose of denying the claim. Most of us can't remember every detail contained in our medical records going back many years and indeed not all details may have been discussed with the medical professional at the time. We may also not always understand the full implications of our test results or other information contained in our records. This can easily lead to unintentional non-disclosure that may later jeopardize coverage. I would suggest that all applicants not only complete the proposal form, but also obtain and submit their medical records going back as far as possible at the time of application. This may be less convenient initially, but will probably significantly reduce the possibility that an insurer would decline a claim due to non-disclosure. With digitized medical records, this isn't difficult or time-consuming to do. Ask your insurance broker for their recommendations on how to avoid post-claim underwriting as well.

If you opened an account at Bangkok Bank for the purpose of receiving Social Security benefits transmitted via Bangkok Bank's branch in New York, your account will not be able to make transfers via the Bangkok Bank mobile app. You will have to go in person with your passport to a branch and physically withdraw your money. This is the default type of account Bangkok Bank opens if you tell them you are opening it to have Social Security benefits deposited. I was told that this restriction is due to an agreement between Bangkok Bank and the Social Security Administration. If you use Social Security's direct deposit feature, then you can have the funds sent directly to any Thai bank, including Bangkok Bank, and you will be able to transfer funds via mobile apps. You won't, however, be able to use the special Bangkok Bank account that was set up to receive the funds via Bangkok Bank's New York Branch. These accounts can't be converted into a regular account. I know because I attempted to do this a few years ago.

Why would it make you angry? Do you have a financial interest, other than as a policyholder, in WRLife? I would think you would want to get relevant financial, regulatory and licensing information directly from the entities that oversee such matters instead of from the company itself. Here's a link to the Nevis Financial Services Regulatory Commission's list of regulated entities: https://www.nevisfsrc.com/regulated-entities/#general-insurance-companies. Scroll down to the "Licensed International Insurance Entities" and expand the "General Insurance Companies" dropdown. There you'll find WRLife' listed. This is where they are licensed as an insurance company, not in the UK or Thailand or France. Here's a link to Companies House in the UK where WRLife is incorporated: https://find-and-update.company-information.service.gov.uk/company/OC401682/filing-history. Take a look at the statement of account as at 31 December 2022. You'll see specific mention of this company being incorporated under the small LLP regime. No mention if it being an insurer.

Give VISA a call and find out whether the dealer is allowed to do this under their agreement.

In my family's case, on one side the dream was to avoid conscription in the Prussian army. On the other, it was to avoid being murdered by the Nazis. Seems to have worked out well enough on both sides.

Have twice had HA injections administered by Dr. Panya at Bumrungrad after x-rays and consultation. Only one injection was administered each time. The first one lasted more than a year and fixed the issue of my kneecap "catching" and increased range of movement. The second one lasted about a year, but the symptoms and inflammation I had prior to these injections never returned to the level they were before. I am not sure whether the HA injections are responsible for the continuing reduction in symptoms and increase in movement of the knee, but I suspect they may be. It has been seven years since the second injection and my knee is much improved compared to where it was before the injections. Losing weight also helps a lot.

Even basic travel insurance policies often provide third party liability coverage. Third party liability insurance usually also covers defense costs. There are limitations with respect to liability arising out of the use of motor vehicles, but you weren't operating a motor vehicle so it is worth contacting your insurance company and asking for assistance. If you PM me with a copy of your travel policy, I can give you an idea as to whether the policy may respond.

I think the statute of limitations on FBAR non-filing is six years after the due date.

When you say "coming of (sic) motorbike taxi with shopping", do you mean you fell off a moving motorbike, or did you dismount intentionally after the motorbike taxi came to a stop. If the former, what caused you to fall off a moving motorbike taxi? If the latter, where did the motorbike taxi stop to let you get off? In the middle of the road? Next to the sidewalk? Why would a dropped bag be in the path of an oncoming motorbike? Who called the ambulance and why? Did the motorbike taxi stick around and did you get details of the bike and the driver? Lots of details missing.