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technologybytes

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Posts posted by technologybytes

  1. Requirements will vary from lender to lender, so there is no "normal".

    You mentioned that the property company asked for the statements, I'd assume that the property company is not the lender (I may be wrong), they may have experienced the lender ask for more statements in the past and now just want to have all the paperwork in advance.

    Actually, they probably just want to see proof of income for 2 years, you did have an income 2 years ago right ?

    I know you didn't ask for financial advice, but Worgeordie is correct.. if the business is going to be successful then waiting another year or so won't hurt. 1 Year is not a good enough track record really to be getting into major debt, and unnecessary debt at that. However, I guess you know that.

    I know from personal experience that income can drop when you run a business, and if it does (I sincerely hope it does not happen to you) they you would be very glad you don't have debts.

  2. far more offensive (if indeed offense must me taken) is the refusal to refer to Myanmar as myanmar but rather burma.

    I still call HCM City Saigon & I still prefer to use Burma. Offensive?

    Sent from my GT-N5100 using Thaivisa Connect Thailand mobile app

    from a colonial perspective not at all.

    in fact i think everything should be referred to by a name preferred by the british, rather than the name used by the actual country itself.

    I don't know if you are serious or not. We call The Netherlands "Holland" and nobody complains, for that matter we call Krung Thep "Bangkok".

  3. I reckon Clarkson put this in deliberately so people would discus this rather than the obvious fact that the program was really, really crap.

    I watched it and I was shocked to hear Clarkson say as he drove south through Mae Sai that it was "just 19 miles to the river Kwai'.

    They show a map of Thailand with no place names on and they clearly assume that no viewer has any clue about geography.

    The whole show has deteriorated to a shadow of it's former self.

  4. I don't know anything about resistance, but I do know that Antibiotics should be avoided unless absolutely necessary.

    Antibiotics kill bacteria, but they are not fussy enough to know good from bad bacteria. We all have good bacteria in our bodies doing some important things, overuse of Antibiotics cause problems in this respect.

    Also, strange side effects can be felt when using Antibiotics. I had a bad tooth and the dentist prescribed a long course of amoxycillen prior to root canal treatment, I thought I had no reaction to antibiotics but later I started to get really scary anxiety attacks, something I had never had before or since.. it was really scary and now I'd be very reluctant to use the same medicine again unless there really was no choice.

  5. The ATM has a number of fail-safe protocols to prevent double charge or charge where no cash is dispensed. The OS that controls the user interface (ie the screen in front of you) is often based on Windows XP Professional, but the actual OS that deals with the bank transaction protocols is certainly not Windows XP..

    The ATM correctly identified a failed transaction and created a credit and a corresponding debit on the account, my guess is that a human at the bank intervened somewhere along the line and created an error.

    Some people think that a ATM charges your account when you request money, it does not. It charges your account only when the cash is dispensed. If you ask for 10,000 baht and it dispenses 9,000 baht then you are charged 9,000 baht but a hold will be placed on your account for the 10,000 a little like a credit card authorisation. That hold may last hours or days in the event of a real catastrophic system error but should always expire without a charge. In the meantime in the worst case scenario a balance enquiry may appear to show that as a deduction for the period of the hold.

    Of course the ATM and systems have fail safe protocols but humans do not, so god only knows how the bank staff may interpret this, it's likely they would not have the training or the experience to recognise the sequence and may try and "correct" the entry.

    By the way, Kasikorn Bank staff appear to me to be the worst trained bank staff in Thailand, they often give customers blatant untrue information and incorrect advice.

  6. Wherever you are arrested there is correct procedure and normal procedure.

    If you have done wrong and it's not too serious you will probably be presented with a financial opportunity to avoid the courts, take this opportunity if you can afford it and want to avoid the Thailand legal system.

    The earlier in the procedure you can pay and be released the easier and probably the cheaper it will be. Not always the case, but often.

    Above all, don't panic !

    • Like 1
  7. Actually, I rather like your description of "Criminal Pats".

    Criminal Pats

    Some Criminal Pats are hard core and need to be avoided at all costs. Other Criminal Pats came here a long time ago and have reformed. Those that have reformed are usually anonymous and never talk about the past. It's up to you how you judge these people.

    It raises a number of questions, especially about reform. If you include reformed persons who were perhaps criminals before leaving their own country but have lived in Thailand for may years and have left the criminal tendencies behind, never been accused of an offence in Thailand and lead a honest and industrious lifestyle today, then would you still consider that person to be a criminal ?

    • Like 1
  8. All the suspects face a fine of up to 100,000 baht, five years in jail or both. They can also be deported within 30 days, Col Sanchai said.

    My understanding (though I may well be out of date) is that a first offence of working without a work permit was a relatively minor offence and that the maximum penalty for the first offence was a slap on the wrist and a small fine. I was sure that it was only second or third offences that carried technical deportation. I say technical deportation because for work permit offences you can legally return the next day after being deported.

    I am sure someone will correct me if my information is incorrect.

  9. I don't usually comment on political matters... I din't pretend to understand Thai politics at all.

    However, the way the government appears to have cheated the farmers is deplorable. If it turns out that money that was owed to the farmers has been diverted in a corrupt manner then there will be hell to pay.

    Steal from the rich and give to the poor has a nice ring to it. Stealing from the poor and giving to the rich not so good.

    • Like 2
  10. I have said this before... and it's true.

    The scammers steal money from the BANK (not the customers).

    Subsequently, in order to avoid loss because of their antique ATM technology the bank STEAL the money from the customer.

    The banks know the scam, they know the real transaction from the fake, but they continue to steal from the customer to make up the loss...

    Have you ever wondered why the gangs target Thailand ? It's because their ATM technology is from the 1960's.

  11. Obviously in this case the driver fled the scene for obvious reasons.

    In Thailand if a motorist in involved with a collision that results in the death of the other party he/she is immediately arrested and charged with causing the death whilst the case is investigated. That means that even if you did nothing wrong you will find yourself charged and then in theory the charge will be dropped when the case is investigated properly.. however it's back to front and against natural justice so it's kind of understandable that in some instances people flee the scene.

    It should be noted that not all Thai drivers flee the scene of a fatal accident, even if they are at fault and there is no witness. My neighbour was killed by a Thai pick up driver who stopped and reported the incident to the police despite there being no other witness, it was a accident and the pick up driver was not really to blame, but it's wrong to suggest that all Thai drivers are cowards.

    So you know of ONE occurrence where the driver did not flee the accident scene...

    Wonder how that tally up % wise, flee, not flee....

    Well you may have a point, however my observation is simply that many foreigners are quick to assume that Thai's run away and it's not always the case.

    So may foreigners staying in Thailand seem to have a very low opinion of Thai's, and often that low opinion is unjustified and unfair... thats all.

    • Like 2
  12. I found this thread whilst looking for info on the price (value) of an older Audi in Thailand, I appreciate that this thread is quite old now.

    Buying any older used car is always a bit risky, in that it's rare to find any older used car that does not immediately need money spending on it to make it run 100% as it should, However, if you are careful you can get a really good deal in Thailand precisely because the Thai's do not like to buy older European cars.

    A good and knowledgeable mechanic is a must if you are to run an older car. I live in Chiang Mai and I'm lucky that I know two mechanics that are excellent at dealing with older European cars. If I was not confident of being able to use mechanics here then I'd be better running a new Japanese car, which I did for many years here, changing every 2 years.

    If you get a good older Audi, BMW, Volvo or Mercedes then they can be cheap to buy and run and are much more satisfying to drive than a City, Vios, Jazz or whatever you would get on a budget if looking at new cars.

    However, and this is important, it comes down to the individual car and not the brand/model. If you buy a bad car then it can be a nightmare.

    When looking for a used car you are looking for signs that it's been maintained well throughout its life and treated properly. Simple things like tyres tell a lot about a car, if it has good quality tires that are in good shape then thats a good start, if it has overly worn or cheap tires then you can be fairly sure that it has not been maintained properly, likewise with brakes and other obvious things.

    Choose well and even a 10 year old european car can give many more years of reliable and economic motoring, especially if it has a quality LPG system fitted.. however many buyers like to look for unmodified and original spec cars which means that LPG can actually reduce the value of a used car.

    For the record, I have owned BMW, Volvo and Mercedes cars myself in Thailand and I'm looking at a Audi as a additional car. My main daily car is a Volvo which is great, though I'll admit Audi and BMW are more of a "drivers car".

  13. What you have to remember is that with these payments you are not buying a condo, the condo does not exist yet so you are buying a promise.

    You have to decide if the company you are handing your money to is honest and trustworthy, it appears to me that they have demonstrated themselves to be a tricky outfit by moving the goalposts.. I'd back off and look for something that's already built and has a chanote ready for immediate transfer.

  14. The subject of Bail is a cause of much confusion here in Thailand and indeed in much of the world.

    In order to grant bail a judge is normally simply concerned with the likelihood that that the alleged offender will show up for future hearings and will not interfere with witness etc..

    In Thailand, as in the west, there is general rule of "presumption of bail", which generally means that bail is granted unless there is a good reason not to do so.

    Foreigners are high risk as far as bail is concerned, not just in Thailand but the world over. So OF COURSE foreigners can find it harder to get bail, they are a higher risk.

    With regards to the young man in this case, I do feel sorry for him. He will be out as soon as bail is paid and I doubt he will spend another day in jail in Thailand as it will probably be dealt with by way of a stiff fine, and he has learned a valuable lesson.

    We all do stupid things when we are 18. I know I did.

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