again, what Thai bank pays 7%? The answer is NONE. You think Thai banks are going to pay even 5%? What planet are you from? Planet D.U.MB. 7% is what you pay FOR A LOAN. Instead of being rude, why don’t you read the interest rates Thai banks are actually paying before replying to me again with your fantasy rates. It’s about 2% or less … then go educate yourself on the historical performance of the S&P 500 especially on the past few years. K. Thx. Bye. 👋