Etaoin Shrdlu
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Posts posted by Etaoin Shrdlu
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57 minutes ago, Jingthing said:
I assume non-Thais that do have Thai based credit cards would be in that system as well.
Yes, they are.
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31 minutes ago, Jingthing said:
OK, but US credit reports always list your current and previous addresses.
Plenty of places they could get that.
Credit card applications, mortgages, etc.
I assume if you tell your U.S. credit card issuer that you now live in Thailand that they would put your Thai address in the U.S. report.
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.
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1 hour ago, Jingthing said:
What's the situation for Thais and credit cards? Do they have some kind of credit reporting / scoring system here?
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.
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2 hours ago, scubascuba3 said:
you haven't answered, tax is something else
He was originally in the RTP and made his first fortune by selling computers to the RTP.
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11 minutes ago, topt said:
I don't disagree with anything you say which is why, along with other reasons, I have no interest in dealing with AA World and or Regency.
My research showed they are all part of Alliance Group International - https://www.welcometoalliance.com/alliance-group
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?
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29 minutes ago, topt said:
You may recall that I moved to April International but was going to check with my broker (AA Insurance) about the supposed hefty in band increase mentioned by a poster in another thread.
I eventually emailed my contact and after a while I received a reply from someone from a company called AA World............
In answer to some of my follow up questions -
This ties in with @Etaoin Shrdlu comments about Thailand based brokers selling International policies.
A subsequent email from a "manager" at AA World basically pushed Regency Health (Regency for Expats?) with a premium about 50% more than I am currently paying with April..........
They also pretty much ignored my request for current banding prices for April........
Apparently Jenny has gone and no more comparison excel sheets.........
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.
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33 minutes ago, flyingtlger said:
Sounds more like a mafioso burial....
Jimmy Hoffa
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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.
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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.
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Perhaps she's making an orange political statement.
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23 minutes ago, MakeYouPay said:Thank you, but i don't understand then,
They can't whitheld the deposit for tear caused due to time but it's criminal to cause damage? and how else would damage occur that is not due to time (wear) that would allow for the security deposit to be whitheld?
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.
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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.
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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.
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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.
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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.
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Did you experience this flux after drinking the tap water?
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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?
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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.
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2 hours ago, heybruce said:
Yes, we have unnatural contaminants in our air, ground and water. We don't know what the long term consequences are. Industries that create and profit from these contaminants need to be better regulated. Which party is more likely to do that?
Yes, I know. I am in favor of stricter regulations on what can be done to our soil, air and water.
It won't be the Republicans that will do anything about that.
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6 hours ago, Berkshire said:RFK jr. has also suggested that chemicals in tap water (in the USA) is turning our kids gay. This dude is loonier than MTG....and that's saying a lot.
There is legitimate inquiry into whether endocrine disruptors and other chemicals in tap water and from other sources my affect gender and sexuality. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC1281309/
If this is what he he means, he may not be so looney on this point.
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18 hours ago, scorecard said:
And it has serious errors:
"Benefits of permanent residence
in Thailand-Ease of buying property, business, no ned to apply for work permit."
While PR does not allow one to buy land, there is some benefit when it comes to purchasing a condo: With PR, it is no longer necessary to bring funds from outside Thailand and local banks are supposedly allowed to provide normal mortgages.
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3 minutes ago, Dan O said:
No the thread is not nearly long enough and he didn't follow with 25 replies to his own post
Perhaps it's in the early stages.
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Are you coming down with Gamma disease?
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You just won $1,000,000, US Dollars
in ASEAN NOW Community Pub
Posted
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.