I use an agent for convenience & the 8K (actually 6.1K as the 1.9K Immigration free is included in that) is worth it to me to save any potential hassles. Some might think that 508.50THB pm is a waste of money & I've had exactly that conversation with 2 of my mates who didn't see the irony in them telling me how I was wasting my money whilst sat there puffing away on their >4,500THB pm habit... Point being, we all choose what's important for us to spend our money on & #1 for me is to make my life easier. The 800K would be sat in a Thai Bank account anyway (I like to keep at least 1 years spends in cash, in-country) but even if I could get 5% on it, it's 40K pa (assuming you don't have to pay any tax) compare this with how much it would cost to have to travel out of the country every 6 months. Some people might do this anyways so it's not a big deal to them & I travel overseas at least 3 times a year but having spent 89 days outside of Thailand already this year (Maldives, Malaysia & UK), since getting back from UK in May I feel like I'm a bit travelled out but if I was on a DTV I would have to be going overseas again in November & it would cost me a lot more than 40K to do that - Yes I could get a Van to the nearest border for peanuts but who wants to spend their retirement doing stuff like that! There's also the option of doing a 1 x Extension but I couldn't be bothered if I didn't have to so would end up flying somewhere nice for a week or so. It's been well reported that DTV visa holders cannot open bank accounts (Though This is Thailand & I've read that say TTB might be opening them for people) and whilst I haven't seen any reports of existing accounts being closed, there were reports of people who opened accounts on Visa Exempt or Tourist VIsas etc... having their account closed so there is a risk that this could happen to anybody on a DTV. As always too each his own, you're happy on the DTV & I'm happy on my Non-IMM O which I'll extend again next month (approx 55 days before it's due, another benefit of using an agent is you can do it up to 90 days before) & as my pensions kicked in this year (hence the trip to the Maldives to celebrate my 60th), next year I might go for the LTR. P.S. For the guys who pay an agent 15-16K to do their extensions without the 800K in the bank so they can keep it invested overseas and make more money, good on you, I like to keep at least one years expenses in cash, in-country so the money would still be in the Bank here anyways (as it will be if I do get an LTR) so the fact this covers immigration requirements is a bonus.
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