niebla

Citibank, UOB is now charging 1900 a year for the privilege of having their credit card. Feels high. Use it a lot. Never once been charged a fee.

On 6/7/2022 at 9:32 PM, Pib said:

Well, the Skype rep was right and wrong...it will depend on whether the SMS sender accepts/rejects use of a VOIP number for receiving a two factor logon code and/or what sending system the sender uses.   And it's not uncommon for some financial related companies/banks to accept a VOIP number in your online profile to receive general info SMSs/receive voice calls, etc., but they will not accept/use the VOIP number to send a two factor code.  All depends on the company/bank.  

 

Skype is a "VOIP service" and "depending on whether the sender (i.e., bank, company, etc) who is sending the Two Factor code/One Time Passcode SMS as a "short code" SMS or regular SMS can determine whether you receive the SMS.   If it's being sent as a true "short code" Skype, Google Voice, Magic Jack, TextNow, etc.,  just to name a few VOIP phone number services the chances are good you will "not" receive the code.....OR, the VOIP number will be rejected upfront in attempting to use it for two factor/online profile purposes.  

 

A short code SMS can be formatted in different ways but they are sent from a bank's/company's short code number usually consisting of a 5 or 6 digits phone number instead of a full blown phone number.  I'm not talking about the two factor code they are sending you which is usually only 6 to 8 digits long....I'm talking about the phone number that code is sent from. 

 

Short code numbers have different underlying specs/format compared to a full phone number.   Plus, if they desire the entities sending you a Two-factor code can determine before sending whether a number is a real mobile number, a landline number, or VOIP number and simply refuse to use the number/not send the code.....give you a pop-up message something went wrong, the number is no good, it's a VOIP number, etc.

 

I have many U.S. online accounts and I would say around one-third of the accts will "not" accept a VOIP number/send a two factor logon code to a VOIP number....and that number has been slowly increasing over the last five or so years.   Five years ago they "all" worked fine with one of my VOIP numbers like my Google Voice number but now only around  two-thirds accept VOIP numbers for two factor codes.   And I have my Google Voice number setup to also email me a copy of each SMS, but when a true short code system is being used I neither receive the code on my phone or via email because it's get blocked somewhere along way or is not actually send since Google Voice is a VOIP number.

 

And just the past week one more U.S. govt agency where I have a financial related account switched to using a new contractor to provide account logon/management and in that contractor switch a person had to setup a new online acct which primarily involved some identity verification which used your mobile number for identity verification.    Although my Google Voice number worked fine with the old contractor to setup my online acct years ago, the new U.S. govt contractor would not accept VOIP numbers (and said so upfront during the acct creation process) for identify verification purposes....and as it turned out even my "prepaid" U.S. mobile numbers would not work either in the identity verification process. 

 

However, I still tried to use my Google Voice number to create/transfer the acct and was "immediately" greeted with rejection....that is, the contractor immediately said it as a VOIP number....didn't even get the chance of them sending a two factor code.   And as mentioned, my U.S. "prepaid" mobile numbers would not work either because issue of a prepaid number/SIM requires little to no identity verification....just a credit/debit card to pay the monthly bill.  However, a "postpaid" mobile number or landline number does carry a good degree of identity verification.  Fortunately, this U.S. govt contractor also allowed identity verification via sending them a copy of your ID (such as a U.S. state drivers license, U.S. passport, etc) or verification via public data security question & answer (i.e., credit reporting agency data).   I ended up going the Q&A method to get verified.  AND THEN when completing my new acct profile setup my Google Voice number "would" work to receive two factor codes---but my Google Voice number and prepaid mobile number were a no-go for identity verification purposes.

 

Yeap, even disregarding the identify verification stuff I said above, whether a VOIP number like Skype, Google Voice, etc., will work to receive two-factor codes will depend on the sending entity and if that sending entity uses a true "short code" system or not....OR, whether that sending entity prescreens a number before sending/before allowing it in your online profile to determine if it's an acceptable type number to them based on their security policies....and VOIP numbers are slowly becoming not acceptable at some/more banks/companies/etc., who are tightening up their various online security policies.   But fortunately, many banks/companies still accept VOIP numbers no problem.....it all depends on how the sender has their sending system setup/their security policies.

 

 

 

Very well written. These were my experiences exactly. Capital One is the worst.

four letters?

30 minutes ago, kishnanakishna said:

Where did you read this?

The official website says there will be changes on April 29th at 00.01

It never takes 7 days. If everything is there you'll have a response in 48 hours.

Chiang Mai said 2 months for a COR today. It used to be 500 here. Should I have offered to pay for faster service?

Entering the country on May 11. Will open a bank account and transfer the required amount so it can season for 2-3 months. Will work with immigration and agents to do whatever is necessary. Entering on a tourist visa or VOA did not seem feasible with the two week quarantine. Will post whatever happens in July. 

The STV regulations clearly state that the STV visa cannot be converted. In practice, has anyone tried this? Past practice was that there was a way to convert a tourist visa or even a VOA to a Non Immigrant O visa. It wasn't cheap.

The Covid STV visa would need to be renewed every three months at a cost of 2,000 baht?

When all of the paperwork and funds are in order an agent is an unneeded, expensive luxury. It sure is nice that they make all of the copies and you just show up at the end of the process to sign paperwork, but it adds up at 3,000/year/person.

I use a CPA in California. PM me for details.

Try this guy. Speaks English.

D&A Eye clinic near Nieman. About 500 baht for prescription.

Realistically, these are not the only people crossing the border without quarantine and being tested. We should assume there are other cases also. A plan should be developed to find and isolate others in the country that are infected. "Random" testing at border cities, airports and bus stations would be a good start. Once a plan is working we can move on to opening the borders and punishing the offenders. If it gets out of control we will be back to curfews and lockdowns which do not seem to work.   

Mixed success with Siam TV recently on Samsung Washing machine. Was told after four years it's difficult to get parts. A bit troubling on 20-30,000 appliances. Will try Saha Panich as stated in this thread.

+1 CNX Legal

Mobile Phone: (66) 90 451 4544, (66) 85 599 6363

E-mail: [email protected] 

Website: www.cnxlegal.com

Drove through and received 90 day check in. The Android app did not work this time although the date was within the allowed period and ten days before the due date.

Logged in to the Android app this morning. It says I'm on overstay. This is not correct. My visa expires in November. Considering checking in in person so they can correct this.

Try the App. The Android App works for me when I cannot get the website to work. Be sure you get confirmation by email, usually the following day.

This week the site appeared to be up but I could not get the site to accept the application using different browsers on MacOs or Windows 10. 

I loaded the App on Android, registered and submitted the 90 day without issue. Approval was sent by email the same day.

Although I prefer using a browser I'll use the App whenever I'm not successful with the website.

iCare in Airport Central is good but not perfect. They work with AppleCare. 

If the shipper is flexible and will list a very low value, in a very small package and listing something that will not get their attention, like repair parts. It will likely go through customs unnoticed. 

Dr. Damrong did both of my eyes at different times. Did it at Sripat with no complications. He has a clinic in Nimmanhaemin and may operate at CM Ram also.

Meechok PEA open today and helpful. Bill is overdue 30 days after the meter reading.

A week ago it was kind of spotty. Often closed with no sign. Sometimes open. Hit and miss.

On an Android phone save his phone number as Lazada in your saved contacts. Load and open the Line program and likely he will show up as a new contact, Lazada.  Use Line to easily send your location to him. He should be able to find you with Google Maps.