Keeps

Anyone who claims they have only winners is full of BS (unless tracker in the US market). I'm still sitting on some absolute shockers but luckily, small(ish) punts (sub £5k) and I'll let them ride for a while and hope for bounce back (with a combination of not worth selling, and nobody likes to admit they made a mistake after investing after doing supposed due diligence). Some were looking good then they go tits. Some of the 'shockers' I've got are Seeing Machines, Strix Group and Synththomer. Well down but not going to kill me. However, I've had some fantastic results with larger investments. I started buying into Next PLC around 2000 when the price was around £7. Reinvested Divis and occasionally topped up with work bonuses and the price now is around £100. Also have a few 4 timers and 5 timers through US smaller company funds, UK smaller company funds (which are probably worth a punt now in my humble opinion with reducing interest rates and the election out of the way) and Global equity funds. In addition, have the UK individual shares paying high dividends. Certainly can't win them all but diversification is the key. And I keep at least 3 years cash for when times are not great. Everything bounces back eventually and normally rises.

I rest my case M'lud....

All about growth as well, no income. Very few Blue Chip US Stocks pay a healthy dividend. UK Stock market is the King of the dividend income. Growth is all well and good in your younger years (I 100% went down that route) but as you get older, income is King or a combination of that and growth.

From what I can gather from the Mrs (who has finished eating now, but picking the teeth for 1 hour) is that it's all legit. It is a 1 year account, albeit with unlimited withdrawals but is operated ONLINE only. No going into the branch for withdrawals etc. I assume (but probably wrong) that you would need another account to make online withdrawals to (not necessarily Krungsri) . Often the case that online only have a higher interest rate then day to day branch accounts. If you apply, you might have to nominate an alternative account at the outset to make withdrawals to, or if you attempted to make a withdrawal, then would have to nominate an account. I would caveat all the above by saying I am 3 cans of Tapper's in now - but I trust what the Mrs has just explained to me (to some degree). Let me know how you get on as it's not an uninteresting proposition to park some spare cash.

Even the dumbest are probably far more superior in intellect than your good self...

But supporting Israel and being on the streets of London is a surefire way of ending up in a pair of handcuffs.....

I don't think we will be too far off the mark if it has a good few 'M's' in it, possibly a few 'Q's' and 'Z's' and is worth at least 100 points if you are playing Scrabble.....

My bad. Your use of the word proponent flummoxed me. I really need to put down the latest Martina Cole and start reading a dictionary. 👍

I have the option to send money when I want and when the exchange rate is favourable (and maintain the lifestyle to which I am accustomed) unless it went tits up for something like 5+ years. As I said, I know that is not possible for everyone. I get your point regarding the 800k and the difference between interest earned and agent's fees. Who said anyone was referring to 'only' 800k?

Just speaking to the Mrs regarding her instant access with Krungsri but not easy as she is eating and didn't welcome the interruption. From what I can gather, it pays above 1.5% (but that may have come down following the BOT rate reduction so the rate you mention may well be correct) and she can make 2 free withdrawals per month. After that, she is charged 50 baht per withdrawal per month but no reduction in the interest rate or lost interest. That may well be the higher rate account you refer to. Definitely worth asking.

I agree with that to some extent but it also depends on how often you need to transfer money to Thailand. If not too regularly then I would only send over when the exchange rate is favourable. I appreciate that this is not possible in everyone's situation and the exchange rate could of course plummet. The interest rates mentioned in previous posts are only regarding cash. I'm getting far higher on investments. Of course, holdings go up and down but I have certain holdings in major financial institutions that provide annual yields of 8-10%. No yields are guaranteed (as Covid showed us) but in good times they are a valuable source of income. I'm not too fussed regarding share pricing in these investments (unless they crashed dramatically) as I am more focused on the income aspect of this proportion of my investments.

BOT cut the base rate from 2.5% to 2.25% on 16th October which I assume is the last meeting. Reduction in rates starting to trickle through now from the banks. https://www.bot.or.th/en/news-and-media/news/news-20241016.html

Agree. I'm getting 5.3% currently on a 1 year fix on cash ISA and 4.75% on easy access. Newcastle building society and Saga respectively. I'm also getting over 5% with Barclays on a relatively low amount but only because I've got premier banking. All adds up though compared to years of pitiful rates. There are higher rates available through some of the App only institutions but I'm prepared to sacrifice a few quid to have the comfort of a name I know.

My Mrs has various Krungsri accounts. Mainly fixed deposit but has one instant access. She got a notification the other day that the interest rate had dropped by 0.2%. Assume this has followed on from the BOT dropping the interest rate a month or so ago.

I wonder if the operation title is down to the 'perps' colour and that most of them are (allegedly) hung like a horse?

Blah, blah, blah. Did you copy and paste this from your dozens of other posts along the same lines?

Are you living here or visiting? If visiting, do you have any travel insurance or household insurance covering personal effects. Could be viewed as theft &/or malicious damage under an insurance policy? You would probably have to file a police report for an insurance claim. I would also keep the photo evidence etc to support any claim.

Perhaps God. Or are they one and the same in some people's eyes?

The other 'con' of crypto is that the value of it can go up and down like a whores knickers.

I thought you were going to say they were most likely Brits putting on fake Ukrainian/Armenian/Russian accents. 555

I think anyone would be sweating like that if they were arrested on kiddy fiddling charges.

7/11's usually have boxed salads - Caesar, Salmon fillet and a 'crab' stick salad. Some have a boxed mixed salad - lettuce, tomato shredded purple cabbage and shredded carrot. Some also have bags of mixed lettuce leaves.

Mine is working fine now with Express VPN set to East London. That is via Firestick connected to TV via WiFi

There are various Visa options available for Non EU members to retire in Spain. https://advocateabroad.com/spain/retired-in-spain/

None whatsoever I'm afraid. Plenty of members on here though have lived there and will know. Others are very knowledgeable on tax matters and hopefully one will advise in due course.