Etaoin Shrdlu

The foreign chambers of commerce have raised the issue of the need for work permits for PR holders with senior Thai government officials for many years now. They have also complained about the one-year validity of non-quota immigrant visas. There is no will on the Thai side to do anything about these issues and probably never will be.

If you really don't want to deal with the broker, you are fully within your rights to fire them. You would need to write to the broker and advise them that they're no longer authorized to represent you. You would then have to send a copy of that letter to the insurer with a cover letter instructing them to deal directly with you. Commissions are contingent upon the broker's continuing role as your agent. Simply referring the business one time doesn't entitle a broker to commissions on subsequent renewals if their appointment is rescinded. Any commissions they earned prior to their being fired would be theirs to keep, so firing a broker should be timed for before any renewal activity on the policy in question is commenced. It is unlikely that you'd get the insurer to rebate the commission to you, so the premium would not change, and on a PA policy all the above may not be worth the bother.

AXA is on a bit of shaky ground on this, although many insurers will support their brokers and will discourage policyholders from "going direct" after a broker has arranged or renewed cover.

Freedom of speech in the US means that the government will not in advance say what one may or may not say before one says it. It does not mean that there won't be consequences of one's speech, including criminal prosecution for fraud or other criminal activity furthered by such speech.

" What remains to be seen is whether he’ll be able to keep the grift going post-presidency. Members of Congress, his administration, political supporters, special interests and foreign governments flocked to his properties in numbers never seen before. He also, over and over again, directed government spending to his properties, from his insistence on doing government business at Mar-a-Lago to Mike Pence staying at Doonbeg when he had meetings all the way on the other side of Ireland to his attempt to host the G-7 Conference at his struggling Trump National Doral property." Full article here: https://www.citizensforethics.org/reports-investigations/crew-investigations/trump-reported-making-more-than-1-6-billion-while-president/

It would all go towards children's education. One preparing for med school, one for law school and two still in undergrad. Doubt there would be anything left after that.

Yes, they are.

I think that banks will probably use your last US address for any credit reporting to US credit agencies if you maintain a US credit card while using a foreign mailing address. I think they will also comply with whatever banking and credit card regulations apply to your last state of residence as they have no realistic way of knowing and complying with foreign banking and CC regulations as they are not licensed outside the US or in some cases the state they operate in. But I will defer to anyone who has more experience or insight into this.

Yes, there is a rudimentary credit reporting system here. Once a year a credit card holder will receive a document from his or her bank showing what has been reported to the credit agency during the year. Any delinquent payments will be shown.

He was originally in the RTP and made his first fortune by selling computers to the RTP.

https://www.theonion.com/house-panel-didn-t-expect-ufo-whistleblower-to-just-dum-1850683084

Looking at Alliance's website, it mentions that Regency Assurance is a "partner" and implies that it is regulated by the Financial Services Regulatory Commission in St. Kitts and Nevis. It would appear that Regency Assurance is therefore an insurance company and not an intermediary. This may be where Regency places their clients' business. I think St. Kitts and Nevis is known for a light regulatory touch and low capital requirements for insurers. If not, then why would anyone submit to their regulatory regime?

As far as I can determine, Regency is an insurance broker, not an insurance company. Regency's website gives me every reason to believe they are an intermediary of some type and no reason to believe they are an insurance company. If looking into Regency, I would want to determine which insurance company or companies they place their clients' business with and then determine wether the insurer they propose to use is financially sound and has a good claims-paying reputation. I would also want to think about the complications of dealing with formal complaints or other actions involving an insurance broker in a developing insurance and regulatory market (AAW) working via a second broker probably located in another country (Regency) placing their clients' business potentially with an insurer domiciled in yet another country.

Jimmy Hoffa

April is an insurance broker, not an insurance company. Which insurance company has April placed your business with? If your policy is issued by a major European insurance company, you will likely have better consumer protection and also a more professional approach to claims handling than you would with a Thailand-based insurer.

AIG's Travel Guard policy has the highest limits for medical benefits that I've found so far from Thailand-based insurers. Up to thb5 million for their Plan A which also provides repatriation expenses at actual cost. https://www.aig.co.th/content/dam/aig/apac/thailand/documents/documents/tg-inter-extra_coverage-summary_en_v1_21012022.pdf

Perhaps she's making an orange political statement.

Normal rental contracts will not hold the tenant responsible for normal wear and tear. In addition to normal wear and tear, there is damage due to negligence. Negligence is when someone does not take sufficient care or precautions and loss or damage ensues. For example, a tenant may forget to close a window when leaving the house and while the tenant is out a rainstorm causes water damage to the rental property due to the window being left open. The tenant was negligent in forgetting to close the window and thus the ensuing damage is his responsibility. Then there is intentional damage which may be subject to Section 358 of the Thai Criminal Code. The landlord's refusal to return the deposit does not negate the effect of Section 358 if the landlord's property is intentionally damaged.

Might want to read up on Section 358 of the Thai Criminal Code: Section 358. Mischief Whoever, damaging, destroying, causing the depreciation of value or rendering useless the property belonging to the other person or which the other person to be the co-owner, such person to be said to commit mischief, and shall be imprisoned not out of three years or fined not more of six thousand Baht, or both.

Private insurance companies have very little appetite for the risk of catastrophic losses associated with crop insurance. Crop insurance will only work with significant involvement of government (taxpayer) resources such as subsidies and government-provided reinsurance. Even in the US, that bastion of capitalism, the Federal Government both reinsures crop insurance risks and subsidizes crop insurance premiums. This isn't something that the insurance industry in Thailand would be able to handle by itself. This is a political issue, not a commercial one that can be solved by the OIC negotiating with Thai insurers.

I use it at Thai Post when ID is needed to mail letters. But then a Thai DL works, too. It was also requested when I got an international driving permit at the Land Transport Department. I think the DLT wants two forms of ID other than your DL that have your address, so tabien baan plus pink card worked for me. It may or may not get Thai entrance fee at private attractions. It used to get Thai entrance fee at Koh Samet, but last time we went, they no longer accepted it.

Learned touch typing in middle school around age 14 or so. It served me well throughout my college years as well as during my working career and I'm glad I took a typing class in place of one of the other vocational classes such as wood or metal shop. I've typed a lot, but so far haven't turned a lathe or welded anything. And I did cut my teeth on computers running DOS.

Did you experience this flux after drinking the tap water?

Do you have a Thai bank account in your name? A copy of a statement with your name and Thai address may work. Failing that, do you have a statement from a mobile phone account that is in your name?

A yellow book can, in some cases, be used to evidence your address with government entities, including government hospitals, but does not convey any significant rights or privileges. While you may be able to register for treatment at a government hospital using the yellow house book, you won't be treated for free like a Thai would.