Stocky

Murray

Baker

Sadly that's not the case if I use HSBC and SWIFT from Singapore, any intermediary bank charges pop up after the event. It's the total transparency I have with Wise that is the biggest appeal, yes I usually save a few thousand baht on a transfer, but it's knowing exactly how much will be credited to my account is the biggest plus. That said, Wise and similar P2P money transfer companies are making the established banks sit up and take notice. HSBC now have a Global Money Transfers app, which they say is 'largely' fee free - the small print still says there may be intermediary bank charges, and their rates aren't as good, but it's certainly a move in the right direction. Bank on topic, has the OP considered Monzo, which is a registered UK bank which Wise isn't. But for international transfers Monzo used Wise, so win win. Downside is you need a UK address, with proof in the form of a utility or council tax bill. .

I'm on NordVPN current Windows software version 6.41.11.0 which it tells me is the latest version. I can't say I've had any problems with them and I've been using Nord for 5 years now. Everything works fine including UK TV - BBC, ITV, and C4.

So your comparison is applicable to USA. The numbers work out differently if I look at my transfers from the UK or Singapore. Firstly there is no charge on domestic transfers in the UK or Singapore, secondly the exchange rate margins on SGD to THB and to a lesser extent GBP to THB are greater than for USD to THB, there being greater movement of USD. Lastly there is usually an intermediary bank involved with SWIFT transfers which add their own charges. People deciding whether to use Wise or SWIFT need to do their own homework.

Smorgasbord

Well bully for you! But I don't think Mexico has any Covid travel restrictions, testing or quarantine requirements, unlike Thailand.

TGIF

Gallon = 4.546 litres (Colonies got short changed ????)

My experience is with a shophouse unit, you can get people to turn volume down but it's the bass that's the problem; subwoofers are a total pain.

Porter

For pity's sake why?

Guinness

Crackle

Puffers

Holiday in a pandemic, what could possibly go wrong.

Fruit

Market

I'm a year older than you.

Mama

If you mean compartmentalise my thoughts yes. I do so with problem solving, shut down stuff that I can't do anything about and concentrate on the things I can. But primarily I need it for work, as a consultant I often have several very different projects running concurrently, so in switching from one to another, I need to mentally box one up, and unbox another.

Strewth, if you're one of the 'Freedumb' crowd stay home. The rules in Thailand, like them or not, are to wear a mask. What's the problem?

Chop

Arrival

Chang, get thee behind me Satan! Devil's own brew, and Leo is Satan's pizz. Singha please.