From Mae Rim to towards Chiang Mai a bit past Macro on same side is a small but good bike shop, many bikes visible in front. It is just about across from the Tire Plus shop, big tire shop.
Oh so wrong. Such a sad belief.
You don’t get it at all. The rate has nothing to do with Schwab, they send dollars. Rate is determined by recipient bank and is easily verified on their public posts.
Good luck with your delusional logic.
Schwab International account, not hard to find. There are even several others similar if you care to look instead of making seemingly intelligent but truly uninformed comments.