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DogNo1

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Posts posted by DogNo1

  1. BA.4 has escaped immunity.  The antigens for earlier variants are not effective in stopping it.  There is a large wave of hospitalizations and deaths in NSW (Australia.)  Most of the victims had three or four shots.  The antigens that people who have recovered from earlier variants carry are not effective in stopping BA.4 and BA.5.   In the words of Dr. Fauci, who was sickened twice, there was "an immune escape."   In Dr. Fauci's case, although he recovered once, he was soon sickened again.  It seems that reinfection is a feature of BA.4 & BA.5.  Pfizer is supposedly working on a vaccine to protect against the new variants.   Many people in Thailand will probably get one of the new variants.  I wish that I weren't so old.  I'm taking my vitamin D and wearing my mask and hoping that I won't have bad symptoms when I get it.

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  2. My brokerage transfers the money on the day that I request it to the New York branch of Bangkok Bank.  It is received and posted to my bank account here the following working day at the rate for that day.  There is no settlement period.  Bangkok Bank charges me 200 baht to receive and convert the dollars to baht.  That's the only charge that I pay.  If Wise has a slightly better exchange rate, any advantage would be lessened by their transfer fee.  I transfer $2,300 each month.  Supposing that the Wise exchange rate is 0.5 baht better, I would get 1,500 plus 200 baht more by using Wise minus their transfer fee.  Out of curiosity, when I do my February international wire transfer, i will compare the Wise and Bangkok Bank rates on the day of the transfer.  Could somebody supply the amount that Wise charges to transfer $2,300?  I would like to calculate the advantage of using Wise.  

  3. I don’t take any chances.  I always do an international wire transfer (SWIFT) from my brokerage in USD to my Bangkok Bank account.  Brokerage charges me nothing and Bangkok Bank charges me 200 baht.  The rate is favorable.  There has never been an error and the transfer arrives one working day later.  I use the monthly 65,000 baht option so that I can spend the money immediately.  The downside is that I must telephone the brokerage to initiate the transfer every month.  There is a standing order on file so I don’t need to provide the details.  I just specify the amount in USD and my Bangkok Bank account.  Some people are willing to chance transfer errors to save a little money.  I am not.  Also, I never cut it close on the amount transferred and leave a generous margin to avoid an insufficient amount of baht transferred.  

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  4. There are reports of Transferwise transfers not being coded as transfers from abroad.  Apparently there is a special box to check if the transfer is for visa (extension) purposes but that doesn't always work.  I always transfer directly to Bangkok Bank from my brokerage in America.  I don't know how many 65,000 baht transfers must be completed before you can apply for the 90-day Non-O but you could start transferring this month.  Maybe that transfer and one in February may be accepted.

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