TallGuyJohninBKK

On your first question above, I asked that same exact question of a fellow forum member here some years ago who used to do a lot of counter withdrawals. As best as I can recall, I think he just told me to say "counter withdrawals" or "withdraw" and perhaps hold up and show your VISA or MC debit card when saying so. About the exchange rate involved, I can't remember as it's been years since I've done one. I think it's likely going to be either the card network rate minus any foreign use fees charged by your card issuer OR the Thai bank's buying TT rate. Just can't recall!

Fact Check: No evidence for vaccine DNA risk raised by Florida Surgeon General By Reuters Fact Check February 6, 2024 "There is no evidence to suggest that residual DNA fragments in mRNA COVID-19 vaccines pose a health risk raised in statements by Florida Surgeon General Dr. Joseph Ladapo." https://www.reuters.com/fact-check/no-evidence-vaccine-dna-risk-raised-by-florida-surgeon-general-2024-02-05/ https://fullfact.org/health/covid-vaccines-not-dna-altering/

Rubbish reports from rubbish sources, most importantly, without any direct comment or substantiation from Professor Iwasaki, the claimed source of these reports, which seems entirely fitting for this new AN sub-forum: https://mediabiasfactcheck.com/vigilant-news-bias/ https://mediabiasfactcheck.com/world-tribune/ https://www.factcheck.org/person/alex-berenson/ and a long list fact check reports on Berenson's past false statements and claims regarding COVID. The most recent published comment that I can find from Akiko Iwasaki, who is indeed a prominent and respected researcher, regarding COVID vaccines came last month in November to NBC News, as follows: Do the Covid vaccines provide long-lasting protection? The CDC is recommending that older adults get a second Covid shot in the spring. How durable are the vaccines? "Despite the CDC recommending an additional shot, there’s no evidence that the mRNA vaccines aren’t working as expected, said Akiko Iwasaki, a professor of immunology at the Yale School of Medicine.Rather, Iwasaki said, there may be something unique to this virus that is preventing people’s bodies from maintaining high levels of immunity." [emphasis added] https://www.nbcnews.com/health/health-news/durable-are-mrna-covid-vaccines-rcna178457 And a news search of the subject of this thread finds ZERO recent news reports from any reasonably credible sources reporting any of the claims being made in this thread.

So-called counter withdrawals are a very long-standing method of foreigners obtaining Thai baht cash here that became particularly popular in recent years as the Thai banking industry, presumably in cahoots with the government, began jacking up the per withdrawal Thai bank ATM fees to the current 220 baht level, which from my past checking was one of the highest national ATM surcharges out there. gamb00ler's post above did a pretty good job of explaining the basics of how it works. The advantage is it allows you to avoid the 220b Thai Bank ATM fee. Another advantage is the withdrawal amount can pretty much be as much money as you have in your checking account linked to your debit card, unlike the typical 25-30K THB limits that apply per withdrawal for most Thai bank ATMs. The potential disadvantages are several: 1) you have to deal with Thai-speaking bank staff who may or may not understand what you want. 2) Some branches and/or tellers will claim they can't do the counter withdrawal and they either don't have the necessary machine or know how to accomplish it. I haven't found any absolute pattern to that, it seems to be hit-and-miss as a general rule. So it might involve some branch shopping to find a cooperative branch. FWIW, you don't have to actually be an account holder at the bank company where you're trying to do a counter withdrawal, although presumably being an account holder with them should help. The transaction is pretty much just like making a POS purchase with your debit card, except instead of buying items, you're essentially buying Thai baht. In my experience, you can either ask them to simply give you the THB cash you want and they'll hand it over to you. Or, if you have an account with that particular branch, they should be able to instead simply do a deposit into your account for you for the corresponding amount. As always, you do need to be mindful of fees. As time has passed, several of the Thai banks I believe have begun charging their own flat fees for counter withdrawals, SCB being one of those, and Krungsri also last time I checked, but I think for only one of the two major card types, and I can't recall OTTOMH whether it's for VISA or MC branded cards. Also, if your home country bank charges a foreign currency conversion fee on foreign POS purchases or ATM withdrawals, that same percentage fee would apply for a foreign counter withdrawal. I've also seen, as best as I can recall, some U.S. banks also starting to charge their own added fee for counter withdrawals, even those done in the U.S. with domestic banks. So that's also something to check on/watch out for when you go to use any particular bank's debit card here. Lastly, most people general should NOT attempt to do counter withdrawals here with foreign CREDIT CARDS, because doing so often is going to result in added fees for foreign currency conversion AND what can be very steep cash advance transaction fees (a percentage of your withdrawal amount) charged by your credit card issuer. That, and, the credit card issuing is going to have interest start accruing on the amount you advance as of the date of the transaction, without the typical one-month grace period that normally applies for regular credit card purchases. And as noted above, to do a counter withdrawal here, you'll typically need to bring and present your original passport document to the bank teller.

The rates you want to be looking at to determine what's going on with a foreign bank card here are the actual VISA and MC foreign currency conversion websites, as follows: https://www.mastercard.us/en-us/consumers/get-support/convert-currency.html https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html When a foreigner uses their home country VISA or MC debit card at an ATM in Thailand, it is indeed the VISA or MC networks that are setting the BASE exchange rate for the transactions -- unless the cardholder is duped at the ATM into consenting to DCC (Dynamic Currency Conversion) where the Thai bank is allowed to substitute their own much lower rate (often a 4-5% hit) in exchange for showing you the transaction amount in your card's home country currency instead of Thai baht. Just say NO to that. The only other reason a net/received exchange rate should differ much from the BASE MC or VISA card network rates for a given day is if one's home country bank is adding their own fees for foreign transactions, so-called foreign currency conversion or cross-border transaction fees. Those are very common, at least among major U.S. banks, including Chase, often in the 3-4% range. So if your net achieved exchange rate using a foreign VISA or MC is different from the daily rates shown on the above VISA and MC websites (allowing for some minor variance in rates that occur during the day), it's probably because your home country bank is adding their own foreign currency conversion fees and/or because you've mistakenly agreed to DCC at the Thai ATM.

Thanks! No, my Play Store is set to the U.S.... But I didn't know that would result in them hiding reviews... Oddly, I did see and get reviews for the sister Tourist Police app that's the subject of the OP here..... Strange....

When I do a search in the Google Play Store for the app title used in the OP report above -- "Thailand Tourist Police Application" -- the app title you posted here is the only pertinent app that seems to surface. The Google store reviews for the app, which shows 10,000+ downloads, are decidedly mixed. Sixty one listed ratings and a 2.6 overall score on a scale of 5, with the largest number being the lowest "1" rating. The app info says it was originally released in March 2018, and the most recent version 1.3.0 was updated in June 2024.... (which of course helps explain why we have the police doing some kind of big announcement about it now... NOT!) One reviewer from 2023 wrote: "Useless. I contact them, they told me to call. Then I call they tell me to go to office..." App listed as having been created/authored by some entity named Arunsawad Dot Com Co. Ltd. The same entity has another similar app apparently for Thai police in general called "Police i lert u" that's listed as having 500,000+ downloads, but oddly NO ratings or reviews whatsoever.

The Schwab card is a VISA debit card that has no foreign currency fees and automatically refunds other banks' ATM charges that you may incur. both domestically and abroad. The debit card is linked to a Schwab Bank checking account that Americans get automatically when they choose to open a no-obligation, no minimums Schwab regular brokerage account. I believe non-Americans from certain countries can also obtain a similar Schwab debit card, but the non-U.S. accounts, last time I checked, had a required minimum initial investment to open of around $25,000 USD put into the brokerage account. The opening process for Americans with normal ID documentation is easy and can be completed online. Not sure if the international version has that same capacity or not.

Except the OP's question is about his first couple months in the PH when he wouldn't have the typical PH IDs yet, such as an ACR card. And the Union Digital Bank you mention above appears to require those kinds of ID from foreigners wanting to open accounts: "Can foreigners open an account with UnionDigital Bank? Foreigners with Philippine mobile numbers and proof of residency can open a UnionDigital Bank account. Please make sure to have your supporting documents (such as ACR-I card) ready for a smooth account opening process." https://uniondigitalbank.io/en/faqs/can-foreigners-open-an-account-with-uniondigital-bank https://uniondigitalbank.io/en/faqs/what-kind-of-ids-can-i-use-to-open-a-uniondigital-bank-account

The answer to your question is yes. Yes to masking to protect against COVID, particularly since I'm now a senior in the higher risk group. And yes to masking to protect against very harmful PM2.5 seasonal air pollution in BKK where I live. It also factors in that when I do go out, it usually involves traveling on the BTS Skytrain near my home, and thus being close quarters with who knows who people from all around the world. Including among people like some posters here who dismiss the simple safeguards to protect their own health and the health of those around them.

The comments expressed in the OP post here, likely sourced from some social media post by Dr. Yong, are so general as to almost be meaningless for individual people. Yes, the risks of COVID these days -- in general -- are lower than they were in the past because earlier variants of the virus had more severe health impacts, and, the worldwide COVID vaccination campaign, including here in Thailand, helped provide protection that also has overall reduced the risk of serious health effects... HOWEVER, and it's a big HOWEVER, the current health risks of COVID still remain and can be serious and even fatal, particularly for high-risk populations, such as those over age 70 and those with various chronic health conditions. Likewise, the overall risk of COVID varies by season, with Thailand typically in recent years having increased COVID infections and hospitalizations in the months starting with Song Kran and thereafter. In the U.S., in contrast, the biggest peaks typically have been in the December to January holidays period. So one's risk also depends on the time of the year. The latest Ministry of Public Health report for COVID in Thailand (see the chart below) says there were 577 COVID hospitalizations nationwide for the first week of December, and nearly 44,000 cumulative for 2024. The MOPH said there currently are 107 COVID patients hospitalized in serious condition with pneumonia type symptoms and 42 requiring intubation to breathe. Fortunately, no reported COVID deaths for Thailand in the past week, but 220 cumulative COVID deaths for Thailand thus far in 2024. None of that is reported in Dr. Yong's reported remarks above. https://ddc.moph.go.th/covid19-dashboard/?dashboard=main In the U.S., COVID levels right now are at one of the lower points of the year, but there still were more than 500 recorded COVID deaths for most recent full week of data (the last column below in blue), the first week of November, as per the CDC chart below. The numbers below are widely expected to spike upward again toward the end of 2024 and into 2025, similar to what they did at the start of 2024. https://covid.cdc.gov/covid-data-tracker/#trends_weeklydeaths_select_00 Overall for the U.S., the CDC reported the country had nearly 44,000 COVID fatalities during 2024 through the end of November. More than two-thirds of those involved COVID as the underlying (primary) cause of death, as opposed to being listed as a contributing cause of death. With 2024 data added in, that has brought the U.S.'s total number of COVID deaths since the start of the pandemic to more than 1.2 million (87% of those involving COVID as the underlying/primary cause). In recent times, more than three-fourths of those COVID deaths have been among the elderly. https://www.cdc.gov/nchs/nvss/vsrr/covid19/index.htm Even though you don't see news headlines about COVID deaths and hospitalizations so much any more, the virus continues to take its toll on the health and lives of people, especially among the elderly, and even moreso among the elderly who are not up-to-date on their COVID vaccinations.

I think it depends somewhat on the particular dish being ordered... But overall at the T21 food court, I'd say the most common mode is the main menu item food choices typically are pre-prepared in large pots / trays and then served up in individual portions when ordered. But there also are some cooked or assembled-to-order items there. Just depends.

By the time older cotton sheets get to the point of having a tear or tears, the fabric probably is a bit worn for making a shirt/shirts out of them. But in our case, what has worked nicely over time is taking a king-size good quality cotton sheet that finally sustains a tear and having our local Thai tailor shop cut the remaining good-quality sheet sections into matching pillow cases -- which works particularly well if the sheet involved in a standard color such as white where the newly made pillow cases can easily be used with other matching color sheet sets. And the good part is by that point the worn cotton also makes for very soft and cozy pillow case material.

It's been years ago now.... but I think I remember taking a Thai Air nonstop flight between BKK and LAX back in the early-mid 2000s before they spiked all the nonstop services... As best as I can recall, I flew at that time on a Thai Air 777, but my memory may be off about that. Either way, it was a LONG flight! Made me come to realize how much I enjoyed the normal stopovers at Taipei airport with EVA.

Jack, what's the logistics these days of a DTV application: Specifically: --do you have to be physically present in your home country in order to apply, or can apply from anywhere outside Thailand where there's a participating Thai consulate? --Once issued, does it involve the issuing consulate physically stamping one's passport (meaning you have to physically give them your passport), or it's all digital and you get some visa document via email or similar? TIA