circa02

What a strange question to ask a stranger at a bar, what nationality is he? Some Japenese don't see a problem with it, due to their culture, still sick in my opinion

19 minutes ago, Cake Monster said:

If you want a Loan in many Countries you need to supply a number of Pay Sllps as proof of earnings, as wells a detailed and comprehensive list of outgoings for things like Rent, Electric, existing Loan repayments Etc Etc 

Thailand is entering a stage whereby Loans are being , and have been given without proof of earnings, or by using false information supplied

Despite the rosy picture being painted about NPL, there will surely be a significant rise in this sector or a massive number of Loans placed under Special Mention Status

This high household debt is the main reason the Govt cannot raise Interest Rates which is allowing Inflation to go ever higher, will cause higher borrowing for the Govt

And of course, not to forget that higher Interest Rates will mean higher repayments to borrowers, and many are so near the edge of NPL already

It's been like this for years. The lenders are well aware that a lot of the supporting documentation can be questionable, it would kill a lot of their underwriting if the checks were more thorough,  you pop along this weekend to any car showroom or condo sales office to see what i mean about assistance in meeting the alleged eligibility criteria - obviously with your thai partner

Owners and long term renters, and every other person - from the cleaner to the security guards, are getting pissed off with certain Airbnb customers in condos, doors slamming at 3am and Chinese thinking the corridor is great place to chat at all hours of the morning as just examples, I wouldn't bet that those signs don't start getting enforced more strongly now covid is firmly dead and buried. Airbnb know the rules but still allow people to list condos for as little as 1 night.

1 hour ago, timendres said:

 

I still have, and still use, my 2014 Intel MBP. almost 10 years on, three replaced keyboards (I am really tough on keyboards), and some delamination of the screen (unnoticeable when lit), and it is still a workhorse.

Delamination seems to  happen with cleaner fluid here, I remember buying some from the 20baht store and almost ate through my screen, I've since bought a 200baht one from a proper store but even that seems be too corrosive, get someone to bring over some from back home before cleaning up that sneeze mark 🤣..

The old ways no longer work, as daveaustin says, you'll just waste a whole day trying and waiting up to an hour in each branch for the english speaking account opener to politely tell you no.  Using an agent is the route now.

What happens if you just bin the fine?

It's simple, cash and ready to go ticket lane, when I used to travel on Thai trains used to be annoying as fck at the old BKK train station stuck behind a Russian debating weather they wanted lower or upper bunk, followed by two American girls that were surprised they didn't accept AMEX and one had to run cash machine, followed by another clown that had to verify exact directions to the platform 3 times..  Could easily be 10 minutes a customer for what should be 45 seconds

The repayments don't change from my understanding but obviously capital outstanding is reduced and the amounts towards interest and capital will change (you'll have a clear division on the statement, get her to scan it and send it to you), at the end of the promotion period she can re-negotiate with the current bank on a revised mortgage and monthly repayments will change (along with other terms),  the sales advisor that sold it should be able to help at that point, easier than moving banks but if you want to kill a tree and have a few weeks of headaches that option is available. This is essentially what we were told.

When we got the paperwork it did say monthly payment recalculation was possible, it takes 30 days with head-office, and I believe there was a 5000baht fee,  I suspect this only would be successful if I did drop a significant amount into the mortgage, note though that lending criteria is stricter than last year and the base rate has moved i believe 0.75% so I would bet the amount would have to be at least 250k for any recalculation to be successful but I could be wrong.

However, importantly, why do you want to reduce the monthly fee? If she can afford the current monthly fee then better to leave it as is - your extra down payment is immediately at work - it's not like by leaving the monthly fee as is you surrendering all that interest opportunity

Haha love it.  Will take out a few villages for sure. Even when it makes the news they'll still trust the little Line sticker..

Risky though as some houses will have CCTV should be easy to get the delivery mule. Can you do a cleaner scan of QR code.

First two Platinum and third not? (look under visa/mc logo in bottom right usually)

No more 80 baht tickets for 84 and 87 this week, have to go upmarket to the temple car park if you want those blessed numbers..

Did you get the well dressed Indian guy a bit further up the street with... Sir, wow, sir, I tell you are lucky, you want to know why?

Always an interesting gauntlet run from Nana to Asok on the odd side number of the street

Hopefully this voids his insurance. However, it seems here you could be drunk as a skunk and cause a 10 car pile up and they'll still pay out...

17 minutes ago, AlienBoy said:

 

Hi every one , its been enlightening and heart warming to read all your comments and advice which have given me a lot to think about . 

 

...

 

I think many people presumed based on your original post that your step-daughter was still in school, why would you need to provide for her now that she has been through Uni on your dime, now has a job and has moved away? What good is that doing?

3 hours ago, hotchilli said:

Mule bank account owners are as guilty as the scammers.

They are going to have to make an example of the mules to get the message across.  Can she claim she doesn't watch the dramatized Thai news everyday, where this and old phone scams feature at least once a day? I doubt it...

Big billboard warning in the banks would also be a good idea, but again would they take any notice if the news and social media on the issue doesn't get through?

3 minutes ago, Olmate said:

It wont last 6 months either way! 

Depends how imaginative the family and friends are in presenting unmissable opportunities and unavoidable desperate situations where only money can help.. but yep the point is dead on

You would be much safer leaving 100k for funeral and wrapping up expenses finding someone trusted back home to transfer 25k a month with absolutely no exceptions...

There must be some logic here how do these have resell value?

I wonder how much they spent on lottery tickets in the last decade. I know some villagers that are sponsored by international entities shall we say that don't think anything about spending 10k on lottery tickets a month, plus all buddha donations required to bless such tickets. The saddest stories though are the ones that don't have an international bail out and go into debt to fund the lottery habit.  I would probably support a ban on the lottery, not because I favour a nanny state, but because 90% of thais are financially irresponsible and lottery seems to be center of that in many instances.

4 minutes ago, KannikaP said:

Did you consider Microsoft 365 which includes Skype, 1 TB of One Drive for up to 5 people or PCs for $99 a year.

That's the family deal right in US pricing? Don't technically need the family deal as it's just for one person/device, I see that on https://www.microsoft.com/en-us/microsoft-365/buy/compare-all-microsoft-365-products along with the $69.99/pa option for 1, the latter on the radar if nothing better shows up..

Where can I get the best price for consumer Office 365 subscription with desktop apps (not just web and mobile) in Thailand - at least Excel and Word?

Note: I want to know the legit price, not some non-sense $5-$20 OEM, VLK, life-time pikey key on lazada, shopee, ebay, alibaba, cragislist.. that I'll need to troubleshoot in six-nine months with regedit and system32/etc/hosts, and ridiculous requirements like -must be a new "outlook/live" e-mail (wont be changing outlook/live account) and all that nonsense.

I've found this:
https://b-lab.dtac.co.th/store/10
But it doesn't say which plans includes the desktop apps and looks like need a custom domain

https://www.microsoft.com/en-us/microsoft-365/buy/compare-all-microsoft-365-products

Shows $6.99 a month, which is fine, but thought there maybe Thai specific pricing?

... Just now I've found another on advice.co.th:

https://www.advice.co.th/product/microsoft-office/microsoft-office/microsoft-office-365-personal-2021-qq2-01398-

This looks ideal and wow what a price. What happens here after 12 months for updates on this? Can I purchase 3 up front and use them for renewals for 36 months? Or Does it revert to $6.99pm? Does it require a new/fresh outlook/live account (not acceptable)?  Again no serialz/crackz non-sense suggestions.

1 hour ago, Baht Simpson said:

Import beers are the way to go. Belgian, German, Japanese, English if you can find. Drink a bit less and  pay a bit more.

Does seem you get both short ends of the stick here with craft. Here's your beer sir, it's a local's daily wage and ah but plus plus of course, can't be giving the real price upfront of course..  and close your eyes.. please sir... count backwards from 5.. 4.. 3.. 2.. 1.. when you awake you'll be convinced that a pint is actually only 390ml and that you can actually taste the subtle levels of honey, golden overtones and slowly infused heated nuts..