shortstop2

Re CDs,there is a difference between brokered CDs which places like Fidelity and Schwab offer and a regular CD offered by brick and mortar banks. At Fidelity, you can sell CDs but the market is not very liquid and you will take a substantial haircut. With a brick and mortar CD you often lose some interest if you break it early, perhaps three months. It is cheaper to break a CD with most brick and mortar banks. I think online banks that offer their own CDs such as Ally and Cap1 have penalties similar to the brick and mortar banks. Ay Fidelity you can buy either call protected or non-call protected CDs. It is far better to by call protected brokered CDs, especially for long durations, which means the bank does not have the right to return your money early. Now you're not going to want to break a 1 month CD and most likely not a 3 month CD, But 5 years is a long time to tie up your money in an instrument that's not easy to break in a cost effective manner. So (except for the current debt ceiling crisis) Treasuries are a better alternative in which the Bid-Ask spread is reasonably tight. But money market funds at Fidelity are paying a good rate too. 4.9% with a minimum 10K purchase in an IRA (100K if not in an IRA).

I also suspect that there is a secret undisclosed limit. In the past I used my Fidelity Visa debit card linked to a Fidelity Cash Management Account. The 220 baht gets refunded in a few days. Visa imposes no fee. Fidelity imposes no fee. The exchange rate is (or very close to) the interbank rate. If the Fidelity card is linked to your Fidelity brokerage account then you don't get the 220 baht refunded.

This clears up my confusion. I don't want to drive from mid-June until mid-November with an expired license. I have a 2 year license which I will be renewing for 5 more years. Is the procedure for renewing my initial 2 year license the same as renewing a 5 year license?

As many have suggested enlisting the help of an agent for one year should solve the problem and then next year you can go back to doing it yourself. Contact a few agents and see what their pricing is. I am a disorganized slob. Sometimes I search for three hours to find something, figure I don't have it and then a year later I find it. Usually old bank books have a hole punched through it. It's also a possibility that an agent with special connections with Bangkok bank could get you the the printout you need. Mot in Pattaya is one such agent. Although her connection is with a local branch it is "possible" that branch could possibly intercede for you with the head office. Good luck!

I think the agent submits a letter recommending you. The bank staff can also do that but probably won't unless you buy their crappy insurance plan. Mot in Pattaya offers this service with Bangkok Bank. Did not need her to open an account but her services were quite helpful when I applied for a Thai Driver's license. https://www.mots-services.com/mots-services1

Wise is probably the most economical (banks other than Bangkok Bank, Kasikorn, and SCB have a low limit of 50K baht for Wise). Always good to have backups. Suggest that you drop by your nearest Fidelity customer service center and set up Standing Wire Order instructions. They will do the medallion signature guarantee for free. Probably a good idea to specify Bangkok Bank New York as your intermediary bank as the fee will probably be lower. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/bank-wire-form-standalone.pdf I have done both Wise transfers from my Fidelity account and transfers using the Fidelity Wire Transfer service. Note if you are in Thailand, it is doubtful that you will be able get the required medallion signature guarantee.

So looks like there are three options. 1) go to Immigration and pay 1000 baht. 2)get it at the airport for 1000 or 1200. 3) use an agent. 1500 on Soi Post Office according to a prior post. 2000 at the copy shop next to Jomtien Immigration. Personally, I would never get it at the airport unless I forgot and had no choice. But I suppose if I lived quite a distance from Immigration and agents I might choose the airport option. Since I live close to Immigration so I choose the 1000 baht option but I have to admit that 1500 baht is a good price if one wants the convenience of an agent.

I go to a bar watch 2 hour NFL replays. The schedule that I use shows when NFL games will be shown on True Sports 1 (Channel 666 on some cable systems). http://tvsmagazine.com/schedule_mob_en.php?category=Sport&ch=3 Does anyone have a different schedule source that shows which game is played?

Perhaps the sentiment in most countries. ????

For Cozy Beach you really need a motorbike or car or Bolt. For much of the Pratumnak Soi 4-5-6 area you can survive without a motorbike but even if you are not particularly comfortable riding a motorbike it's nice to have and relatively safe for going up and down the hill.

I run an Invision Forum and we have the Like, Upvote, and Haha enabled. Perhaps we should have enabled Trophy too but wanted to keep it simple. Not many posters use the Upvote except probably Redditors. I suppose Upvote is also appropriate when you appreciate the post but don't want to Like it, for example if someone dies. So some posters use the Haha to show their disdain for a post or poster. To further promote a friendly forum we don't show who gives Likes. There are downsides to this though. Keyboard warriors want free speech. Forum owners would reply that if you want free speech start your own forum.

I was going to post exactly what you said both about Damini and yellow exchange booths with names such as TG instead of TT.

If you do the math it was extremely close to being 8.8%. But I am quite happy with 8.7%, reduced Medicare Part B premium, and the appreciation of the USD! Pib, in another thread we were discussing responding to SS annual letter. For my peace of mind, I sent it registered mail and it was just received. Here are the details for those who might be interested: 13/10/2565 17:31 International (United States) Final delivery J D 13/10/2565 11:52 International (United States) Arrival at post office 30/09/2565 15:15 International (United States) Arrival at inward office of exchange 20/09/2565 14:49 SUVARNABHUMI MAIL CENTRE Departure From Outward OE 20/09/2565 08:20 LAK SI MAIL CENTER In transit 20/09/2565 00:42 SI RACHA MAIL CENTER In transit 19/09/2565 17:12 CHOM THIAN In transit 19/09/2565 14:59 CHOM THIAN Posting/Collection Note there was no signature but I suppose that JD initialed it.

I believe most NFL games in Thailand are on True Sports 1. Looking at the True Vision website they have replays on the following days after the games which are only 2 hours because the dead time is cut out. But it doesn't say which game is on at the times provided. Does anyone know of a website where I can find out about specific NFL replays? are there stations besides True Sports 1 in Thailand that shows NFL games?

This week I set up a standing wire transfer authorization from Fidelity in the USA To SCB and Krungsri in Thailand. I then initiated a 3000 USD transfer (about 108K THB) transfer from Fidelity to Krungsri with Citibank as an intermediary bank. I just read today that due to new rules I can only wire 50K THB at a time into Krungsri. But I also read on a Bangkok Bank website that these rules do not apply to Americans. I'm confused. Has anyone wired more than 50K internationally into Krungsri? Has anyone had an uncompleted wire transfer if wiring more than 50K into Thailand for a bank other than Bangkok Bank, SCB, or Kasikorn? On another note I was reading that for a transfer of any size that the reason for transfer must be specified. When wiring the money, Fidelity did not ask for the reason. I don't need any special coding for a condo purchase. I just want my transfers to go through. Has anyone had transfers accepted or rejected this year if you did not specify a reason for the transfer?