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12-14-19 12:37 #10872
Posts: 3116A year and a half ago I needed to make some large transfers but from Thailand, a coffee buddy Brit always used TransferWise told me the best rate and fees but only for small amounts monthly to live.
I research on the Internet and got all the major companies doing transfers a few advertised no fees but in the end, their rates were lower no need to explain why?
Some wouldn't do large amounts especially since I wasn't doing it from my home USA After all the research I ended up where I started TransferWise they do in fact have the best rates no matter how I added up things they came out the best in the end. I remember a company World First refusing unless done in the USA?
Without going through all the details about them they aren't your normal Bank to Bank transfer you need to sign up and create an account in general from what I hear and found out large amounts can be tough.
I contacted my Bank and Credit Union problem doing a large amount I think Zeller used by Wells Fargo would do only a small amount once you build up a history they allow more. My Credit Union recommended Zoom? They didn't convert to Baht regardless even if both had their rates were lower.
So in the end, needing to get it done still my choice came down with TW, the catch working with my Credit Union I did an ACH which cost me a bit extra basically I cleared the transaction with my Credit Union moved 60,000 into my checking account with my Debit Card number, has to do four separate transfers of 15,000 the limit. I logged on to TW and completed the transaction so TW would take it from my checking account. It took a few days longer but in the end, the rate went up and it came through in my Bangkok Bank book as FTT. Today as noted TW has changed a few things and it doesn't come through in that manner which is a problem for those who need to wire money monthly to qualify for their Retirement extension. I was told by TW, prior to making the transaction to notify them you need it under FTT, but they also don't guarantee it will!
Last September, visiting home I make the final transfer also a large amount with TW, I logged on to my account make the transaction and from my research, TW has their HQ account with Wells Fargo in and. I took down the information went to my Credit Union to wire the amount to TW once that was done they send a message to me and told me completed and money in baht was now in my Bangkok Account all done within 8 hours. The rate was still the best I could find.
July of this year I did a large transfer from my Charles Schwab account once all paperwork and clearance was done being in Thailand I had to call a number and speak to confirm it was me through a voice security system I was on the phone Internationally 10 minutes tops by morning my money was sent to Bangkok Bank I got a pretty decent rate surprise me since CS doesn't transfer in Baht. Bangkok bank charges me 500 baht to convert.
Sometimes like BF you got to do what you got to do to get what you need?
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12-14-19 09:48 #10871
Posts: 12856Originally Posted by Kerrstar [View Original Post]
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12-14-19 09:38 #10870
Posts: 12856Originally Posted by EihTooms [View Original Post]
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.
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12-13-19 09:07 #10869
Posts: 5452Originally Posted by Kerrstar [View Original Post]
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.
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12-13-19 05:45 #10868
Posts: 381Originally Posted by EihTooms [View Original Post]
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.
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12-12-19 13:11 #10867
Posts: 5452Originally Posted by Syzygies [View Original Post]
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."
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12-12-19 06:57 #10866
Posts: 12856Any Bitcoin users out there?
Originally Posted by MakeItOrBreak [View Original Post]
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?
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12-11-19 20:59 #10865
Posts: 15925I 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/
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12-10-19 00:10 #10864
Posts: 85Originally Posted by MakeItOrBreak [View Original Post]
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12-08-19 19:11 #10863
Posts: 5654Originally Posted by Turgid [View Original Post]
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12-08-19 19:00 #10862
Posts: 5654Originally Posted by Syzygies [View Original Post]
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12-08-19 18:57 #10861
Posts: 5654Originally Posted by *****man [View Original Post]
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12-08-19 12:12 #10860
Posts: 12856Originally Posted by Turgid [View Original Post]
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?
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12-07-19 16:25 #10859
Posts: 922Originally Posted by Turgid [View Original Post]
https://www.newscientist.com/article.../#.VLAkn2SR82s
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12-07-19 15:58 #10858
Posts: 5654Squirting
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.