Etaoin Shrdlu

April is an insurance broker. Which insurance company had they placed your cover with?

Roojai is an insurance broker. I believe they place their cleints' auto business with Krungthai Panich Insurance. The OP's broker is actually asking if the OP would like to switch from AXA to Krungthai Panich.

I have the 2020 13.3 inch model with 256GB storage and 8GB RAM with Retina display. Model number is Z124000BVTH/A. Here's a link to the Apple Store Thailand for the 13 inch M1 Macbook Air currently on offer directly from Apple: https://www.apple.com/th-en/shop/buy-mac/macbook-air/13-inch-m1 I'm only aware of the M1 Macbook Air being a 2020 model, but I think there are retina and non-retina versions with the MGN models being non-retina. Here's a link that may explain: https://support.apple.com/en-us/HT201862#:~:text=Find the serial number printed,page to find your model.

I switched from PC to Mac about fifteen years ago. I have a Macbook Pro from 2012 that still runs just fine, albeit on obsolete software. My experience is that Macs can't run the newer OS releases very well after about six or seven years and it is necessary to upgrade, but I haven't yet had a Mac of any description conk out for no reason. Even when my kids abused their Macbooks (broken keyboards, cracked screens) we simply hooked up external peripherals and they chugged on. I would also recommend a Macbook Air with the M1 chip. It is inexpensive (for a Mac) and it should last a long time.

My Bangkok Bank account was restricted to transfers of under 50k by the new BoT regulations, so I went to the Bangkok Bank branch at Seacon Square today and submitted my passport, bankbook, signed the form and got my photo taken. All very efficient. Went upstairs to do the same at SCB. Equally efficient and polite, but was turned away and advised that the photo requirement was only applicable to Thai nationals. I was shown something on the staff's mobile phone that I assume was an internal document stating this. Has anyone had a similar experience with SCB?

Selling insurance through banks is a big deal for insurance companies. It is a somewhat new distribution channel and insurers have been falling over themselves trying to exploit banks' relationships with their customers to sell their insurance products. Banks are under pressure to increase profitability and they see this as additional revenue on top of their traditional banking services. If I remember correctly, laws were changed some years back to allow banks to sell insurance products. Before that, they couldn't. Banks have been lukewarm on this as it has traditionally been outside their area of expertise, and I suspect it still is. Most of the products sold through banks are fairly plain vanilla ones so that they can be sold by bank employees with little insurance knowledge.

While the credit card companies may pick up costs for damage to the vehicle itself, they seldom cover third party liability. Their cover may let you decline the collision damage waiver, but that's not all that you could be on the hook for. Rental car companies often provide only the minimum limits of third party liability that the state of the car's registration require. These limits can be quite low and not at all adequate. Of course, the rental car companies have additional liability insurance, but it will likely only cover their liability and not the renter's. When renting a car in the US, ask how much liability insurance will actually cover your liability if you are held responsible for third party property damage or bodily injury. If it is minimal, consider the optional liability cover that is offered by the rental company.

Open a new account at the branch you prefer. Transfer the funds from the original account to the new account. Close the original account.

That's good, but I would not advise others to rely upon that. Other insurers may see things differently. When I worked in the insurance industry here, it was the consensus that a Thai license would be needed if one were here on a long-term basis. Perhaps things have changed or it isn't strictly enforced. I'd at least query the insurance company and get any advice in writing.

It's fine for tourists and other short-term visitors to drive in Thailand on their home country license and IDP. If one is here on a longer term basis, a Thai license is necessary. If you own a vehicle, insurers will likely want to see a Thai license either before issuing a motor policy but certainly before paying a claim. I think this topic has been discussed to death previously.

I've had this same issue with brand new hard drives. Initially formatted from the factory in FAT, and readable by my Mac, I attempted to format them with Mac OS Monterey in APFS for use with Time Machine, but the formatting failed and the disks became un-useable by either a Mac or a PC. Spent quite some time with Apple support on the phone and they could not provide a solution. I was able to obtain a third new hard drive and format it with an old Macbook Pro running Catalina, The formatted HD then worked fine on my newer Mac running Monterey and now Ventura. I understand that this has occurred a number of times and Apple is supposedly aware of it, but hasn't acknowledged it. I was lead to believe that there is a compatibility issue with some hard drives' drivers and Monterey/Ventura, but I don't know details. I also intend to take them to a computer shop and see if there is a fix using specialized software, but haven't so far.

I think he pentagon leases space at Utapao from a contractor, so technically this allows both the US and Thailand to state that there are no US military bases in the country. Then there is JUSMAGTHAI, which has been here since 1953. I think the US considers it an overseas military base of some description. Others with more detailed or correct info, please comment.

They have always kept the old books.

I suspect that AA World is an insurance broker. WR Life is also an insurance broker according to their website. There are other threads discussing WR LIfe and the possible location and financial status of the insurance company actually providing the coverage under the policies they issue. So far, this remains an unanswered question as far a I can tell. Perhaps someone could ask AA World to provide information as to the identity and financial status of whichever insurance company WR Life the insurance broker places their clients' business with.

Lowering the amount of insurance should probably come second to finding a deductible and premium trade-off that works for you. Find a deductible that you can handle, and if you can, use some of the premium savings to get higher limits. Better to have high limits for catastrophic accidents or illnesses because that's what one really needs cover for.

What probably matters more than trying to find the theoretical actuarial sweet spot in terms of optimizing premiums and deductibles would be to choose a deductible and premium level that fits best within your financial situation.

We give our dog dry kibble mixed with a bit of canned dog food. He's nine years now, so I get the kibble formulated for older dogs. I get different brands of canned food just to mix things up. Whenever I see Snickers or Mars Bars candies, I'm reminded that Mars also makes Pedigree and Royal Canin dog foods. Somehow that seems to say something.

Looks like there's a one-man crime wave involving sexual assault, illegal retention of classified documents, falsifying business records, inciting insurrection and illegal attempts to overturn an election. So perhaps you're right and crime is up.

From the article: “Joe Biden and the defund-the-police Democrats have turned our once-great cities into cesspools of bloodshed and crime,” Trump said" This certainly seems to be Trump saying that crime is up.

Not much evidence that violent crime is up in any meaningful way. More lies and disinformation from the Republican Party.

I remember when I got well over three Swiss francs for a dollar when I lived in Switzerland in the early 1970s. After a couple of years I was getting well under three. On the other hand, when I moved to Thailand in the 1980s, I got about 25 baht to the dollar. Today I get 33 and for several years I got more than 40. But yes, the long-term trajectory for the dollar against the baht is probably downward. Those just scraping by with modest US dollar income here will feel the pinch over time. I don't know about the relative purchasing power of the baht and dollar over this timeframe, so raw exchange rates may not tell the whole story. The near-term threat to the dollar is the republicans' intransigence on lifting the debt ceiling. If the US defaults on its debt, the effect on the dollar will be swift and severe. This is of more concern, but congress has played chicken with this before.

It is fairly common for symptoms of depression to be worse in the morning and gradually subside during the day. If low mood is keeping you from doing what you enjoy, you might want to consider getting screened for depression.

It has also become more difficult to find Nexgard Spectra for our dog. Expensive as well. Bought a box of three from the only merchant on Shopee that is selling it. Not sure if it is working as well as it should, so may visit the vet to see about alternatives. Frontline seems to be readily available, but I think it is only in liquid form that needs to be applied to the back of the dog's neck. I prefer the Nexgard Spectra chews that I can mix into his food.

He must truly believe the old adage that there is no such thing as bad publicity.

I put off having a family until late in life. I'm 70 and have four kids ages 23, 22, 20 and 18. For a long time I put career and other considerations ahead of having a family, but my priorities changed in middle age, plus wife really wanted kids. I've been lucky in that my kids have turned out well, at least so far. No regrets.