@Aaron ********

I didnt look. Decided to pay as I go. Some big bills but better than paying insurers commissions and overheads with low certainty of claims ever being paid.

@Charles *********

so far. They tripled my premiums after a birthday despite never claiming. Said I reached 'a higher risk pool'. I cancelled of course

@Kim ********

unless she uses the atm before bank notified of death

Narong

@Pa***

oh right! I didnt realise. Gotta go the high cost route then

You can choose, or DIY

Perceived prejudice of parents.

I have met Filipinas who speak better English received pronunciation than many English born folk with strong regional accents. Yet salaries for a regional English teacher will be far higher than can be earned by a far 'better' Filipino/a.

The parents assume the English English teacher is better at teaching their child.

@Dave *********

unlikely to get visa then

Rock solid reason to return is key. Ideally, employer letter showing her vacation dates and when expected back, at least

@Giuseppe *********

same with shengen visa etc. Countries want to be sure tourists don't become residents!

The 3 questions may be a clue, but I guess they were unconvinced that she has 100% rock solid reasons to return to Thailand