Etaoin Shrdlu

Quite possible, in which case it would be best to find a competent broker to seek to arrange suitable cover. I really wouldn't recommend trying to do things like this on one's own or through an insurer's agent.

Sometimes sales staff (and especially agents) are not very aware of how the claims department will actually pay claims. Ask the agent to provide you written confirmation that you can stack the limits of multiple policies to achieve what you want. Ask the agent to get that written confirmation from the underwriter.

To go a bit deeper into the issue with contributory insurance, there can be problems when more than one policy is arranged to try to "stack" limits if the policies are not written in a manner that allows this. Let's say I arranged five PA policies with identical wording each covering medical expenses for a limit of 100,000 and I had an accident and I incurred 300,000 in covered medical expenses. Each insurer could take the position that their policy will contribute proportionally towards the claim. Each insurer would agree to pay 20% of the limit of liability under their policy since each insurer is one of five covering the same risk. Since each insurer has a limit of liability of 100,000, each would pay 20,000 towards the claim. In this scenario, the limits were not stackable and each insurer participated on a proportionate contributory basis based upon their limit of liability, not the amount of expense incurred. One would then only collect 100,000 towards their 300,000 claim in spite of having arranged five policies each with 100,000 in limits. I'm not saying that this is how Thai insurers always approach such a scenario, but I would suggest that a prospective policyholder consult with his or her insurance broker to make sure that their policies won't do this. Some policies may specifically prohibit stacking limits.

If two or more policies are covering the same loss, there are a couple of things that would need to be looked into. First is whether one policy states that it is primary coverage, if it is silent, or states that it only pays if all other insurance has been exhausted. If it is primary, it should pay first. If two policies state that they are primary or are both silent, then one needs to look to see if one is a more specific type of policy. A motor policy with PA benefits would probably be considered to be more specific for a motor-related claim than a standard PA policy covering all types of accidents. There are other scenarios such as when two or more policies pay on a contributory basis. It is usually best to avoid situations where policies pay on a contributory basis, because it may cause gaps and shortfalls if the policies are not almost identical, although there may be times when contributory policies are desirable. The above does not apply to accidental death or dismemberment benefits under PA policies where multiple policies may pay these types of benefits without violating the principle of indemnity.

Yes, after a certain age we become economically uninsurable. That's why many countries turn over the oldsters to the government for medical insurance coverage. Even the US, that bastion of capitalism, does this.

PayPal may have had other ways to perform KYC, but perhaps none were within its capabilities or made financial sense for the relatively small amount of revenue it would generate. It could also be the case that the Thai government mandated the current procedure. PayPal may have been an outlier as it is on-shoring almost all of its Thai accounts and possibly has issues that other, more established financial service providers won't have. But I suspect PayPal won't be the only company that causes us stress as the NDID scheme is rolled out.

Here. 13th is Rama IX memorial day. The 14th is an extra day given by the Thai government.

I think this is a major part of the issue. I don't think Paypal has the infrastructure to do the kind of KYC and perhaps some record keeping that the Thai government is asking for.

The usual definition of a bank is a financial institution that accepts deposits and makes loans. I'm not sure Paypal fits this definition. I think it is a money transfer service since I don't think it makes loans. I'm not sure if it accepts deposits in the legal meaning of the term.

One area where personal accident coverage may provide benefits that medical insurance does not is in the area of lump sum payments for specific permanent injuries or disabilities arising from an accident such as loss of a limb, loss of eyesight and similar and also a death benefit. Most medical policies will only pay covered expenses for medical treatment and some other related things. A typical medical policy won't pay a lump sum benefit for loss of limbs, eyesight, death, etc. Adding personal accident cover to a medical policy adds these benefits if they are the result of an accident.

It would be very unusual for a medical insurance policy to exclude coverage for otherwise legitimate medical expenses because they were the result of an accident. Some may exclude expenses arising from accidents involving hazardous activities, however. Medical policies cover accidents and diseases. Accident policies cover accidents, but don't cover disease. Having said that, there may be rare exceptions, but they would not be mainstream insurance products.

Here's a bit more info on the NDID scheme: https://www.biometricupdate.com/202203/thailands-ndid-partners-with-mastercard-to-connect-digital-ids-internationally and this: https://govinsider.asia/transformation/thailands-vision-for-a-self-sovereign-digital-id/

Still haven't received a 7161 for my daughter's SS payments so far. My 7162 arrived early July.

My guess is that the Thai government is forcing this, perhaps indirectly. I can't imagine Paypal coming up with something like this on their own. It is probably being done to force the informal economy to use banks for payment processing since the government already can closely monitor banking transactions. Perhaps current laws aren't sufficient to allow regulators or other government departments to monitor transactions that don't involve a Thai bank. Putting a bank in the loop may give such oversight. Could also be outsourcing KYC to entities with more resources and credibility with the government.

There is always a risk in eating raw shellfish, but with respect to Thai oysters, the presence of vibrio is of concern because of the high water temperatures and low salinity in the areas where they are harvested compared with oysters from cold water sources. I like raw oysters very much, but will pass on locally harvested ones. I know others have no issues, but my risk tolerance is low when it comes to possible food-borne illnesses.

https://www.thaiscience.info/journals/Article/TMPH/10959812.pdf "The detection of pathogenic V. parahaemolyticus and V. vulnificus in raw oysters has rendered high awareness of risk in consumption of raw or undercooked oysters."

At some point you will probably need the passbook such as if you need a new ATM card or make a transaction at the bank. Don't toss it away, keep it somewhere safe and don't forget where it is.

Was the reading of 117 taken in the morning after fasting overnight? If so, possibly pre-diabetes. Have an HbA1c test and see if your long-term glucose levels are within acceptable levels. Also take a glucose challenge test to see if your blood glucose levels spike. If you discover Type 2 early and change diet and lifestyle, Type 2 can be reversed. Even if it is too late to be reversed, it can be managed to keep it from progressing rapidly and thus delay the very serious effects of this disease.

New CEO is Chris Licht and I think he's probably going to change CNN's approach to reporting/journalism. We'll see if it is an improvement.

Original was written and performed by Jimmy Driftwood (James Morris).

There will be growth in the spring.

If you use your computer to log on to the Chase website and you get the "this device is not recognized", you should then be prompted to select how you wish to verify your identity. If you choose to have the verification done via your phone, Chase will send a message via the Chase app. You then simply select the "yes, it's me" option in the open app and then the browser on your computer will proceed to log you in automatically. That's how it works for me in any case. You can of course use the app to transfer funds domestically as you mentioned.

I've had my suits and shirts made by Raja's Fashions for many years. It is popular with the American expat community, embassy staff, military and visiting government types. It isn't the cheap suit tourist type of place. https://www.rajasfashions.com

When shopping at Big C they sometimes apply a discount at the time of purchase. When this has occurred, they ask for ID. Usually, Mrs. Shrdlu produces her ID card. I used my pink ID card to register for membership at Big C, so I suspect it may work as well (they did not accept my Thai DL to register). This may be part of an anti-fraud or employee dishonesty measure.

I opened a Chase account a few years ago while in the US and used my Thai address and phone number. Instead of an SMS OTP, the few times I've been asked to verify a purchase with my debit card, it was done via a message in the Chase app on my phone. I have also logged in using my computer and have also gotten the "we don't recognize this device" message. It has been a while since I've received this message and I don't recall if it was resolved by responding to a message in the Chase app or whether Chase sent me an SMS, but Chase had no problems in my case with my Thai address and phone number. Edit: I just forced the "we don't recognize this device" my using a different browser. Chase sent me a message via the Chase app on my phone to verify. There was also an alternate method offered, but I did not go that route. Not sure if the alternate is SMS, email or something else.