well yes many have been stating they earn more interest else where and rather pay agent fees and I do agreed ....it's only for the first 2yrs once you have successfully changed to 65k method your 800k is set free
It's not how much u earn VS spending on agents......some like to do it themselves and learn the process where else some just like to chill out and let others handle it for a fee....for myself I can afford a agent but I like to do it myself as will be doing it every year and spending half a day at the immigration office once a year is OK with me .....mostly those that doesn't have the 800k funds will need assist from the agent
Singapore passport apply with proof of funds in sg for the nonO in thai embassy(sg) Or apply from the thai embassy (canada) if she can proof her residency and funds in Canada hope this helps
sorry to hear about that elite visa have been around for quite some time where DTV is only available last July'24 I'm sure you would have chosen DTV over elite if it's available to you cheers