General Reports

[Syzygies]

I use CurrencyFair to transfer money from my Singapore account to Australia. It costs EUR 4 per transaction but my Singapore bank slugs me pretty heavily, about US $56 per tranaction. I do get a much better exchange rate though, so this more thn offsets the fees. I sometimes transfer money to a friend in Indonesia but I do that from my UK acoount. Usually the money arrives the next day but I lose a bit in the exchange rate. For some reason it exchnages from GBP to EURO then to INR. The fee is only GBP 4. I suppose it doesn't matter what you use, you either pay high fees or get a bad exchange rate.

I have a multiple currency debit card with my Singapore bank, so I don't pay fees with ATM withdrawals. I'm in China and there are no fees from the local banks when using their ATM, so this works out well.

The cost of $56 makes little sense unless you indicate what it is a percentage of the total transfer. Sounds high but not if you are transferring 10000 dollars. I agree important to get the best exchange rate so that the remaining fees can be considered to be realistic fee amount. No fees but a bad exchange rate can be much worse.

[Syzygies]

But I did try a small transfer using TransferWise a few days ago. It was easy and relatively fast at 3 days to receive the money in my Thai account. However, it cost me a whopping $20 USD to transfer $100 USD! I suppose it is much more cost effective to transfer larger sums, but this first one was only a test.

But even more worrying about continuing to use TransferWise is when the money arrives in my Thai account it is not identified as a "Foreign Transfer", which as far as I know is an absolute necessity in order for it to work as my monthly retirement visa income. It is identified as a "Transfer From Another Bank." As I said, from what I've heard and read, that will not fly with Thai Immigration as proof for the monthly income option for a retirement visa. As far as they know you are transfering from one Thai bank to another and not bringing in fresh money from outside of Thailand. It has to show up on your statement or in your updated passbook as a "Foreign Transfer."

Transferwise never cost me that much to make a transfer, so far lowest overheads I found with a reasonable time frame although time to transfer is a little inconsistent sometimes. I have to transfer firstly to my Transferwise account, no charges at my bank. Total Transferwise fee is quite small. So can't understand what you did, causing a BofA charge. Doesn't make a lot of sense to me.

My transfers are much larger than 100 dollars of course. One has to take into account total fees plus exchange rate, to determine the real overhead. could cost me $20 overhead but for a transfer of 2000 to 300 dollars, makes the overhead decline towards 1%. If I pull money from OS account at ATM, this costs me too much overhead typically (Transferwise Card to do this would have 2% overhead which is a bit too high although first 350 per month is free - O.K. for emergencies), but I am looking for ways to improve that 2% overhead. Not so easy when not in Bangkok, as fee less ATM use is typically available only on certain ATM types.

Re not showing up as a foreign transfer, I can understand that, as just shows as internet transfer from another bank.

[EihTooms]

I use CurrencyFair to transfer money from my Singapore account to Australia. It costs EUR 4 per transaction but my Singapore bank slugs me pretty heavily, about US $56 per tranaction.
...

Your post prompts me to clarify my earlier post about TransferWise. Actually, TransferWise was not all that expensive for me to make that first test transfer. They only charged me $3.23 USD. But, same as in your case, it was my Bank of America account that hit me with a $20.04 USD charge. I assume it would be more cost effective to transfer larger amounts, probably can get it closer to 1.5% or 2% overall cost to get get the money into my Thai bank account.

Still, the deal breaker for me with TransferWise is it does not show up on my Thai bank statement as a "Foreign Transfer", which is necessary in order to convince a Thai Immigration officer that those monthly transfers did indred come from outside of Thailand.

[Kerrstar]

But I did try a small transfer using TransferWise a few days ago. It was easy and relatively fast at 3 days to receive the money in my Thai account. However, it cost me a whopping $20 USD to transfer $100 USD! I suppose it is much more cost effective to transfer larger sums, but this first one was only a test.

I use CurrencyFair to transfer money from my Singapore account to Australia. It costs EUR 4 per transaction but my Singapore bank slugs me pretty heavily, about US $56 per tranaction. I do get a much better exchange rate though, so this more thn offsets the fees. I sometimes transfer money to a friend in Indonesia but I do that from my UK acoount. Usually the money arrives the next day but I lose a bit in the exchange rate. For some reason it exchnages from GBP to EURO then to INR. The fee is only GBP 4. I suppose it doesn't matter what you use, you either pay high fees or get a bad exchange rate.

I have a multiple currency debit card with my Singapore bank, so I don't pay fees with ATM withdrawals. I'm in China and there are no fees from the local banks when using their ATM, so this works out well.

[EihTooms]

Bit Coin is probably destined to wipe out money exchange businesses in the future, being immediate transactions. However does one incur a buy and sell bitcoin overhead as percentage or fee, high enough to make it unviable at this time, or is it already very practical for transfer money to Thailand. Would use of bitcoin really wipe out all delays, or does buy and sell bitcoin cause some delay?

Western Union is already instant transfer to Thailand, but of course they typically have exorbitant fees and bad exchange rates, so only for use in an emergency. I do know a shop with greatly reduced fees for sending to Thailand.

I currently use Transferwise, and have their multi-currency Debit MasterCard. I could use it for cash withdraw from an ATM in Thailand, but it still has a percentage charge for ATM Cash even if is already converted to Thai Baht money. Transfer to a Thai Bank Account still takes a day or so.

So always looking for a fast option with low overheads. Could that be Bitcoin?

Bangkok Bank finally stopped allowing me to make ACH transfers from my Bank of America account this month. These are Foreign Transfers I make every month to qualify for my retirement visa. Bangkok Bank told me I need to set up an IACH method of making transfers now and that Bank of America surely had a way to choose that method on my mobile app or by calling Bank of America to set it up. Naturally, neither of those things were true. The Bank of America rep had no idea what an "IACH" method for making transfers was but I could make costly international wire transfers through them if I wanted. I am still waiting for my transfer from yesterday to arrive in Thailand to see what the total cost of that method with BofA really is.

But I did try a small transfer using TransferWise a few days ago. It was easy and relatively fast at 3 days to receive the money in my Thai account. However, it cost me a whopping $20 USD to transfer $100 USD! I suppose it is much more cost effective to transfer larger sums, but this first one was only a test.

But even more worrying about continuing to use TransferWise is when the money arrives in my Thai account it is not identified as a "Foreign Transfer", which as far as I know is an absolute necessity in order for it to work as my monthly retirement visa income. It is identified as a "Transfer From Another Bank." As I said, from what I've heard and read, that will not fly with Thai Immigration as proof for the monthly income option for a retirement visa. As far as they know you are transfering from one Thai bank to another and not bringing in fresh money from outside of Thailand. It has to show up on your statement or in your updated passbook as a "Foreign Transfer."

[Syzygies]

Bitcoin was like built for this.

Bit Coin is probably destined to wipe out money exchange businesses in the future, being immediate transactions. However does one incur a buy and sell bitcoin overhead as percentage or fee, high enough to make it unviable at this time, or is it already very practical for transfer money to Thailand. Would use of bitcoin really wipe out all delays, or does buy and sell bitcoin cause some delay?

Western Union is already instant transfer to Thailand, but of course they typically have exorbitant fees and bad exchange rates, so only for use in an emergency. I do know a shop with greatly reduced fees for sending to Thailand.

I currently use Transferwise, and have their multi-currency Debit MasterCard. I could use it for cash withdraw from an ATM in Thailand, but it still has a percentage charge for ATM Cash even if is already converted to Thai Baht money. Transfer to a Thai Bank Account still takes a day or so.

So always looking for a fast option with low overheads. Could that be Bitcoin?

[Mr Enternational]

I am just laughing about mfs always saying to put something on a cloud:

"The Rockmart man was investigated after officials with Facebook and Dropbox notified the National Center for Missing and Exploited Children about phild corn stored on his accounts, authorities said. ".

https://www.ajc.com/news/crime--law/...FfpBOwYcHwg4K/

[BHawk]

Bitcoin was like built for this.

Thought of that. Prolly not her thing.

[Turgid]

Wow, I feel privileged to be able to actually disprove scientific findings. On the other hand perhaps I should not; how many scientists have had the actual experience of being with a live woman while she ejaculates as opposed to theoretical observations?

Well, I just read the article. Apparently they did have women to conduct experiments on. It would have been interesting if they had the girl I sessioned with.

[Turgid]

...........Guys cum can vary from a high powered squirt to a dribble....

Scientists would probably say that Peter North was peeing.

[Turgid]

Scientific research confirms that 'profuse' squirting like that is indeed urine.

https://www.newscientist.com/article.../#.VLAkn2SR82s

Wow, I feel privileged to be able to actually disprove scientific findings. On the other hand perhaps I should not; how many scientists have had the actual experience of being with a live woman while she ejaculates as opposed to theoretical observations?

[Syzygies]

Some years ago I was in this brothel in the southern Caribbean banging a Trinidadian chick. After I came she began to masturbate and I was enjoying the show. After a few minutes she told me to watch out and she began to squirt profusely. When I used to see it in porn flicks I thought it might have been urine but that experience confirmed that it is not. It has a different viscosity from urine being slightly thicker and whitish with a certain amount of translucence; it also has a distinct smell which I have occasionally detected during sex with certain women.

You guys that have seen it, can believe it more easily.

You can't really tell exactly without scientific tests. Was bladder full before, was it empty after, this the proof that bladder was emptied. Yes it could be milky by mixing with Skenes gland fluids which should be thicker. The fluid needs to be scientifically tested to see levels of Urea, etc. Was it a fountain or a dribble or somewhere in between?

Are 95+% of squirts being tested actually fake squirts. Are there real squirts that are different? I need to see the video of the squirt purporting to not contain any pee. The volume cannot be that large if liquid did not come partially from the bladder, or does a woman have somewhere to hold cum fluid equivalent in size possibly to male's store of semen? A mix of liquids is feasible, just?

Is this like the search for the Loch Ness Monster or the Yeti (Big Foot)?

Looks like we are able to concede that porn videos and chat rooms contain mostly peeing being labelled a Squirt, but does a different Squirt exist very rarely? Its very hard to be sure without great evidence to support a view.

Guys cum can vary from a high powered squirt to a dribble, so can women have something similar also with variation in force, but much less and rarer?

[Whoreman]

Some years ago I was in this brothel in the southern Caribbean banging a Trinidadian chick. After I came she began to masturbate and I was enjoying the show. After a few minutes she told me to watch out and she began to squirt profusely. When I used to see it in porn flicks I thought it might have been urine but that experience confirmed that it is not. It has a different viscosity from urine being slightly thicker and whitish with a certain amount of translucence; it also has a distinct smell which I have occasionally detected during sex with certain women.

Scientific research confirms that 'profuse' squirting like that is indeed urine.

https://www.newscientist.com/article.../#.VLAkn2SR82s

[Turgid]

Some years ago I was in this brothel in the southern Caribbean banging a Trinidadian chick. After I came she began to masturbate and I was enjoying the show. After a few minutes she told me to watch out and she began to squirt profusely. When I used to see it in porn flicks I thought it might have been urine but that experience confirmed that it is not. It has a different viscosity from urine being slightly thicker and whitish with a certain amount of translucence; it also has a distinct smell which I have occasionally detected during sex with certain women.

[Syzygies]

No idea. But like you said, from the reading I have done on it doctors and scientists don't even understand what is going on with it.

I did a web search and came up with scientific explanations of careful tests that all amount to roughly the same thing:

https://www.ncbi.nlm.nih.gov/pubmed/25545022

https://www.newscientist.com/article...ientists-find/

https://www.medicalnewstoday.com/articles/323953.php#frequency.

Essentially they all agree that while Skenes glands can produce a small amount of milky fluid, the female bladder refills with liquid during sexual arousal (and it may not be yellow), and during orgasm this liquid is expelled sometimes quite forcefully and out of control. A female could expel both at the same time and may mix.

In the end there are no other theories that really make sense. When I watch a video squirt and a peeing video the differences are not that significant, merely that orgasm may cause a greater initial gush. Some squirts had a lot less liquid as bladder did not have time to fill that much. Yes we could theorise that all the video squirts are fake and not a fair comparison. However I want to see a "real" one that is very different.

The colour of pee varies a lot, depending on time since last pee, food, eaten, what was drunk recently, level of impurities to be discharged, etc. It can be yellow, e.g. first thing in the morning. However if peeing regularly and consuming a lot of water and not much else, it can go quite clear coloured. Peeing videos show peeing in someone's mouth so presumably it does not taste too bad once becomes clear coloured. I haven't performed taste tests, however we all have some clue by the smell of pee, which can be really bad or can be not noticable.

Almost all girls on Webcam sites can squirt, where normal life saw so little of it. So clearly the webcam girls have learned it. They learned to allow the orgasm to disable their bladder control, or may fake it and just pee on camera. I have met girls who immediately after orgasm always had to go pee. If she had 4 orgasms, she had to rush (run) to toilet after each one. So clearly orgasm can produce an urge to pee difficult to control for some girls, the squirters.

I can see that a real female ejaculation of milky fluid from Skenes glands only (nothing from bladder) would not amount to a "squirt" as such (even if large variation in volume from one girl to another), being too little in volume. We have all seen how wet a girl can become during orgasm without any male cum.