@Colin *******

This is correct. I stopped using their VIP ( forgot the name) account when they stopped paying 3% interest on up to £3k years ago. Last month reopened the same account just for the inclusive car breakdown and travel insurance and within weeks the monthly fee has gone up significantly!

I didn't know they had changed to Aviva and they only insured for up to four months.

I will probably cancel after my months holiday in November.

@Paul *****************

but they spend fcuk all. I deal and work with them. It's only the wealthy that spend not the hordes of cheap Chinese tour groups.

@Paul *****************

That's what the Americans have done to the Philippines and what they will do to Thailand with this current invasion of the disciples of the clueless you tubers/ vloggers.

@Us ****

perhaps the bad teeth remark did it as that doesn't affect your quality of life, so why mention it ? It's irrelevant .

Then you say more Thai girls wear braces compared to English girls which suggests that most Thai girls start off with bad teeth but Thai girls , just like Americans all get them fixed up. Can't you see the contradiction in those two statements. ?

Your statement suggests those brace wearing , veneer laden Thais/ Americans are just more vain and conceited. Rather have down to earth people around me than fake, superficial people.

@Ste ******

Yep, that's correct.

I've lived and worked in Thailand for a decade in the 90's/ early 2000's and was planning on retiring there soon.

It's my Thai wife that doesn't want to go back. She prefers the UK although I'm still trying to persuade her and she's just starting to wobble a bit.

@Us ****

*worse

Are you really a native English speaker ?

@Us ****

We control the world". You're living in the past "dude"

@Rikki *******

well you know what they say : " It takes one to know one ".

That old chestnut has reared it's head again.

@Nongnuch *******

Finally someone who knows what he's talking about.

I've been living , working and now visiting Thailand for over 30 years.

As you said , the best rates are in the basement near the airport link ticket office. As you also said , super rich do give very slightly better rates at their head office. Not only their head office though , their other downtown booths are also slightly better than their airport exchange booth but it is a miniscule difference.

Also the posters that keep repeatedly saying " you get the worst rates at airports , who would be so stupid to change money at an airport blah blah blah" . You people clearly don't know that downstairs in the basement the rates are totally different to the traps just before and after immigration.