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ftpjtm

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Posts posted by ftpjtm

  1. I'm thinking about buying an MG4 EV. In the US there's been competition over various plug type standards, which Tesla appears to have won. I know that Europe has a different standard all EV's must use.

     

    What is the situation in Thailand? What plug type does the MG4 use? I'd have a home charger, but have been looking for chargers in areas I frequent. Can I assume I can use any charging station I see, or am I limited to stations compatible with my MG4 plug type?

  2. 5 minutes ago, Danderman123 said:

    You are asking me the best way to integrate policy with political campaigns?

     

    Here's a hint. A politician has policy convictions before the campaign begins. Their campaign is about educating the public about their policies.

     

    We are not yet at the point in this campaign for the public to really care about policies.

    I hope you're right. Because so far Trump has been pretty effective at convincing the public that Democrats are using "lawfare" to prosecute a political opponent, even though "we are not yet at the point in this campaign for the public to really care".

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  3. 3 hours ago, Danderman123 said:

    It is not important to gauge voter sentiment this early in the campaign. Most voters don't want to think about the campaign this early.

    So when should candidates start to be concerned about what the public thinks about themselves and their policies? A month before the election? A week before the election? 

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  4. 18 minutes ago, candide said:

    Right. Trump went up until recently. Since January, both were actually going up, and Biden recently went up faster than Trump. There has been no Trump decline so far.

    True. But not particularly relevant to my original post which is below. 

     

    10 hours ago, ftpjtm said:

    Trump lost 3 elections in a row. After foiling his party's chance to take over congress in the last mid term election, Republicans were sick of him. No one was showing up at his rallys. He was down in the Republican primary polls. If Democrats and the media turned their backs on him and ignored him he'd be another Al Gore or John Kerry.

     

    But instead they started dragging him into court on questionable cases. He deserved arrest over classified documents, but not Biden. He screamed unequal justice and rejuvenated his campaign. 

     

    And the more court battles he wins; SCOTUS unanimously overturning the Colorado court, NY appellate court so far partially overturning the NYC court ruling, the more his claims look justified and the more his poll numbers increase. 

     

    Democrats and the media should have turned their backs on him and let him wither on the vine of inattention. 

    Your graph, going back to the days following the Trump camp's underwhelming performance in the most recent mid terms, supports what I quoted above. That ^ is my point. 

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  5. 7 minutes ago, candide said:

    The website takes time before showing all tables and graphs. There's a table with all polls by date, and also an historical graph before ( attached below).

    Having said that, I have no idea whether the recent short-term trend will go on or not.

     

    Actually the trend change is due to the decrease of the "unsure" category In replies. It seems that the "unsure" are progressively making a choice, and more of them choose Biden rather than Trump.

    Screenshot_20240408_182931_Samsung Internet.jpg

    Thanks for the historical graph. IMO it backs up the point I made in my original post on this topic. 

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  6. 4 hours ago, Danderman123 said:

    If you are paying attention to polls this early in the campaign, you have much to learn.

    I don't want to see Trump reelected, so I find his rise in polls alarming and an indication that Democrat strategy to prevent that from happening isn't working. 

     

    If it doesn't bother you, I guess you are representative of the Democratic establishment. I hope you're right and I'm wrong. 

     

    In the meantime, what are you using in to guage voter sentiment in place of polling? 

  7. 2 hours ago, impulse said:

    Each time they lay another bogus charge onto Trump, his numbers go up. Voters seeing through the nefarious treatment.

    While not a Trump supporter, I do agree with this.

     

    Trump lost 3 elections in a row. After foiling his party's chance to take over congress in the last mid term election, Republicans were sick of him. No one was showing up at his rallys. He was down in the Republican primary polls. If Democrats and the media turned their backs on him and ignored him he'd be another Al Gore or John Kerry.

     

    But instead they started dragging him into court on questionable cases. He deserved arrest over classified documents, but not Biden. He screamed unequal justice and rejuvenated his campaign. 

     

    And the more court battles he wins; SCOTUS unanimously overturning the Colorado court, NY appellate court so far partially overturning the NYC court ruling, the more his claims look justified and the more his poll numbers increase. 

     

    Democrats and the media should have turned their backs on him and let him wither on the vine of inattention. 

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  8. 2 minutes ago, Lacessit said:

    There are already fees for receiving cash from a non-bank ATM.

     

    IMO the person in the US who is getting a lot of cash should be shopping around for a new bank, and better terms.

     

    Banks already make money from cash deposits, and the float. An excess cash deposit fee is simply greed.

    I know fees can be avoided. My point is that handling cash is more expensive for banks than handling cashless transactions. 

     

    I can see a day when they are therefore more expensive than cashless transactions and wonder how many would pay extra to continue using cash.

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  9. 2 minutes ago, Lacessit said:

    IMO there will still be ATM's around for people who want cash in OZ.

    I think I can safely predict the big banks will charge for that service, as another profit stream. They don't do it on debit cards now, but IMO it is only a matter of time.

    Cash in Australia is a mechanism for hiding assets from Centrelink, so it's no wonder the government would be in favor of cashless too.

    I can envision a time when one must pay for the privilege of using cash. Where does one get cash? At ATM's or branch offices, both of which cost banks money to maintain. 

     

    There could come a time where there is a 5% fee in order the receive cash from an ATM or branch office. 

     

    I know someone in the US running a business that generates a lot of cash, and his bank charges "excess cash deposit" fees on business account due to the extra expense of handling large quantities of cash.

     

    I wonder how many advocates of cash usage will continue to resist cashless payments if paying via cash costs more.

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  10. 32 minutes ago, Lacessit said:

    The day market for fruit and vegetables is definitely not tourist. It's about 99% Thais doing the shopping.

    Same as all of the markets I've mentioned except Thepprasit, which is about 80% Thai. The tourists usually don't have Thai bank accounts so usually don't use the QR/Prompt Pay system which is designed for Thais doing shopping. 

     

    But that may change soon, as Asian nations are discussing a QR payment system which will work across the region, so Asian tourists will likely use it too in the future 

  11. Just now, Lacessit said:

    Chaing Rai is not as advanced as the region you frequent, you're welcome to it.

    My wife reports that markets in Lat Yao and Phetchabun, regions less advanced than Chaing Rai, also accept QR payments.

     

    In my experience establishmets catering to tourists are less likely to use QR/Prompt Pay payments than establishments catering to Thais. 

     

    Have you enquired about accepting cashless payments at your local market or are you just assuming they're not accepted because you're not interested in paying that way?

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  12. 10 minutes ago, Lacessit said:

    the day markets don't seem to have got around to payment by phone or card.

    At the day markets I frequent (700 Rai Sattahip, Che Junction Bang Saray, Thepprasit Night Market and more) every vendor either has a QR code hanging at their stall, or will produce a Prompt Pay number or a QR code on their phone if you request one. In the past year I have never encountered a vendor who won't accept a cashless payment.

  13. 37 minutes ago, richard_smith237 said:

    The National Health Service got hit in the UK too...   You want to go back to the 1960's where all records were on paper ?...

    I agree with pretty much everything in this and your other posts, but on this aspect; 

     

    I have a sister who is 1000% a technophobe and scared to death of any form of digital transactions. In contrast I've been using every form of digital technology since my US bank first offered ATM's in the 1980's and on line payments in the 1990's. Before retiring last year I ran 2 US based small businesses remotely from Thailand, something I'd never have been able to do without the internet and cashless payments. 

     

    Meanwhile my sister uses postal service and checks for any payment she can't make with cash, and has been warning me for more that 4 decades, "wait until you get hacked".

     

    Ironically, a few months ago 2 of her payment checks were stolen from a mailbox and deposited into a thief's account. It took her more than a month to get reimbursed for the theft. 

     

    I have yet to be defrauded in any significant way due to monitoring accounts and processing payments electronically as often as possible 

     

     

  14. 2 hours ago, Zack61 said:

    It’s now becoming more common that to pay using your phone incurs an extra fee. Someone is making money from this convenience and I think you’ll find it’s the banks. Don’t kid yourself, it’s just another way of the banks milking you to increase their profits. 
    A few years ago very few businesses charged the surcharge in Australia but now almost all do. At least with cash if something costs a hundred bucks that’s all you pay. Not $101.60 using the phone. It adds up over a year and it all goes to the banks. No wonder they are pushing for it’s uptake 

    Maybe where you live, but not in Thailand. 

     

    While in Thailand I do 95% of payments with the QR/Promp Pay system. I have never incurred a charge, and the receiver is never charged. 

     

    The day fees are charged to QR/Prompt Pay payments is the day Thais will revert back to cash

  15. 24 minutes ago, riverhigh said:

    While I can see the benifits of cashless payments in terms of convenience to individuals, business and governments, I don't see the convenience outweighing the risks to the individual's freedoms. Let's say someone of importance does not like your views and reports you to the government who in turn freezes all your bank accounts. What are going to do? Where is your backup to continue living?  Better still lets say you had been misidentidied as a terrorist or money launderer by some AI inteligence softare used by governments or banks.  What are you going to do when your bank accounts are frozen and the responsible clerks refuse to accept that the AI sofware is wrong. I always pay with cash on principle.

    If you do something so offensive that the government freezes your assets, where are you going to get your cash? 

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  16. 6 hours ago, spidermike007 said:

    Nothing worse than standing in a line behind some guy or gal, fooling around with their phone trying to get the payment app to work so they can pay for a 20 or 40 baht item at 7-Eleven. Or an 80 baht coffee. There have been times I've been so frustrated with the four or five minutes that this person is fooling around with their phone that I pulled out 20 or 40 baht and handed it to them. Here, take it, pay for it move on please.

     

    In my opinion real man always carry cash. I hope that digital currency never takes over. I love having a wad of cash in my pocket. Always have and always will. 

    I love QR payments. I use them all the time and have my app logged in and ready to scan when the cashier is ready to accept payment. Takes a matter of seconds for the payment to process. 

     

    I'm frustrated waiting behind someone digging through pockets of change to make thier cash payments, and hate walking around with a wad of bills and pocket full of coins.

     

    I also avoid 7-11 because they're the one major retailer I know of who won't accept QR payments. Whatever electronic payment system they accept is ridiculously slow and consequently they always have long check out times. My wife pays cash at 7-11 and uses thier app to collect "points". Waiting for her to dig out her coins to make a cash payment, and then coax their app to life results in the consistently longest checkout time possible IMO.

     

    Fortunately Tops Daily and Mini Big C accept QR payments and checkout time is always faster 

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  17. I heard of this same issue at least 10 years ago when first looking into long term visas in Thailand, it's not anything new.

     

    I personally walked into both KTB and BKB offices in downtown Pattaya and had no problem opening accounts in either bank holding a Non-O visa. Both printed and completed a US Government form upon activation of the account, and where seemingly very knowledgeable about dealing with US citizens. 

     

    This was 5 and 3 years ago respectively, but a friend of mine used a visa agent in Pattaya to assist with his retirement extension. They offered a lower cost to do that if he had an account with a certain bank, and accompanied him to the bank branch to set up the account. This was only a few months ago.

     

    My suggestion would be to go to Bangkok or Pattaya, where there are more foreigners living and they're more familiar with the additional regulations. It's possibly easier to open an account in those locations. Or ask a visa agency for assistance. 

  18. 23 hours ago, JBChiangRai said:

     

    BYD are outselling Tesla by a factor of 10 in Thailand.  It's Tesla's own fault, half a dozen price cuts everywhere except Thailand.  Tesla cars are a little old looking now.

     

    Exactly. Current Model 3 price China = 245,900 or 1.24M baht. 

     

    Import duty currently waived on Teslas in Thailand, price 1.6M baht.

     

    If they lower the Thai price to China levels I'll buy one. Otherwise my next car is an MG or BYD EV.

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