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About GinBoy2

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    Bad Hombre
  • Birthday 02/10/1959

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    Rapid City

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  1. SCB to reduce number of branches to 400

    Well this is all well and good if they also change fundamentally how they process their business. In 10 years I probably needed to actually go into a bank branch once, maybe twice, to my US bank, even with me living in Thailand, everything could be done either online or with a phone banker. Contrast that with your Thai bank. Everything you do seems to require a copy of your passport, which you need to sign, for what reason I have never been able to fathom. Paper still rules here, so that needs to change if they really are serious about closing branches on this scale. I 'suspect' that this will be a typical Thai initiative. Implement the top top level eye catching headline without implementing any of the fundamental changes at the ground level to ensure the top level is actually workable
  2. Great update. Just interested, but living somewhere where I think we get a helluva more snow and the roads are generally clear, does the UK Govt. own any snow plows? Certainly doesn't look like it!
  3. This is what they say about the DPRK, and your point is?? Under the rule of Kim Jong-Un, North Korea remains among the world’s most repressive countries. All basic freedoms have been severely restricted under the Kim family’s political dynasty. A 2014 UN Commission of Inquiry found that abuses in North Korea were without parallel in the contemporary world. They include extermination, murder, enslavement, torture, imprisonment, rape, forced abortions, and other sexual violence. North Korea operates secretive prison camps where perceived opponents of the government are sent to face torture and abuse, starvation rations, and forced labor. Fear of collective punishment is used to silence dissent. There is no independent media, functioning civil society, or religious freedom. https://www.hrw.org/asia/north-korea
  4. Travel medical insurance

    Im ditto'ing Chivas on this one. Can't imagine any other way to do it. Before my Dad died he travelled a lot, but the premiums started to rise exponentially at 65, then a whopper after 70, plus the various exclusions for pre existing conditions. It's just the price of getting old I guess, but better that than risk something happening during travel, which without insurance, Murphy's law will ensure that an 'event' occurs. Safe travels for your Dad
  5. I did China Southern once, for exactly the reason that the price was really really attractive. The flight from Guangzhou to BKK was nearly 3 hours late, which meant we were never going to make onward connections. So they moved us to a TG flight to Guangzhou. Bags were apparently all moved and rechecked. Arrived at Guangzhou, and the flight to Los Angeles was also delayed, nearly 4 hours. OK I thought not so bad at least it ensures the bags all get on the flight. When we got to LAX, there were 6 of us who had been on the flight from BKK, no bags. I was flying on to Boston, took them 8 days to find and get my bag to me. As for the flight itself, it was fine a brand new A380, so so was OK. Service and food OK, nothing to write home about, but I was figure it's a few hours of my life, so who really cares. Now I should have known better about any flight that connects in mainland China, I lived there for many years and flight delays are endemic, generally due to the fact that ATC is in the hands of the military
  6. American/Qatar Air US-BKK great Deal

    25 hours. 2 hours layover in Chicago, 1 hour in Doha
  7. Just a quick heads up on some amazing deals from the US to BKK currently. Me & Mrs G are going back to Thailand for the next few months, departing Feb 16 Rapid City SD-Chicago-Doha-BKK, one way $569.60 each! American Airlines to Chicago then Qatar through to BKK. Qatar is Oneworld so I accrue my AA frequent flyer miles too. Not half bad
  8. Relative Costs Thailand vs US

    Thats the forecast for Rapid City, anyplace tucked up against the Black Hills is a lot milder than in the Prairie Lands, especially east of the river https://weather.com/weather/tenday/l/57701:4:US
  9. Relative Costs Thailand vs US

    Next week....
  10. Relative Costs Thailand vs US

    OK here is my 'agenda' to simply give real number to some of the endless nonsense that gets spouted about this topic. You realize, I've said it enough, we still own a house in Thailand and plan to do a 50:50 split of our time, so no I don't hate Thailand, just 'for us' Thailand has lost the appeal of living there full time. In point of fact we would have been back in Thailand by now if Mrs G hadn't wanted to see snow for the first time in her life I't's like if I said I like cats, I'd be accused of hating dogs, yet I like both. That being said I'm intellectually capable of comparing both cats and dogs, pluses and minuses, doesn't mean I have to denigrate one or the other. It appears some you would have to hate one or the other, and God forbid anything that you perceive is being negative gets said about your favorite furry creatures. Sometimes you can be objective without having to favor one or the other. ....now back to fighting like cats n dogs Enjoy your silo's guys!
  11. Thats the one. I’ve really been a fan of Florida, although I recognize the zero tax there also
  12. Having done this the process it's this, and I'm assuming you are using realtor. 1. At the time of transfer at the Land Office, you obtain a copy of the FET used at the time of purchase (the land office has the original) and a copy of the sales contract 2. At the bank you deposit the cashiers check, which will take 24 hours to clear 3. Then you can do the wire transfer out. 4. The bank will want the copy of the FET + sales contract for the condo + passport to complete the wire Thats it. I was actually shocked how simple it was
  13. I am from the Central Valley, but CA it's so expensive when you want to retire compromises have to be made. As for why South Dakota. First came here in the mid 80’s with B1 bomber deployments, and really liked the Black Hills. Then as an expat it was useful to keep South Dakota residency, since it’s zero state tax place, and it ensures that Sacramento doesn’t have a reason to get their claws in you, with their ‘Hotel California’ taxation philosophy
  14. Relative Costs Thailand vs US

    You are correct. You can have $1M in the bank, but your income on that money is small, hence you qualify for the tax credit offset. I have assets, so I chose the high deductible ($5000) but with a non deductible $35 doctors office co-pay plan, so I could get a prescription for an asthma inhaler or similar prescription pretty cheaply. If something catastrophic happened to me, I could cover the deductible, but in the overall scheme of US health care I’d be fine. Now again one of the vagaries of our wonderful system is all depends on the State that you reside, and what providers offers plans in that State. I’m pretty certain that the provider I got here only provides coverage in the midwest, so it’s hard to give a generic answer
  15. Calling the U.S.

    I've done most of them, Skype, Hangouts, Vonage. When I was working I found a Vonage adapter with an old school wireless phone, gave the closest to a 'real' phone connection with the least problems, but it costs the most. Since I retired and my phone calls are just recreational, I'm more prepared to put up with the vagaries and problems with both Hangouts & Skype since they cost so much less. So my recommendation: If this is for work, get a Vonage adapter If this is just friends and family, just put the Skype and/or Hangouts app on your phone and laptop