@Iain *****

Rarely if ever get bitten here by anything while others get covered in bites. No idea why.

How much time is allowed to answer the question? Lived here twenty four years am able to speak Thai and have witnessed tourists and expats making some serious screw ups. Made some bad errors over time myself but learned from them quickly so not to repeat them. I will say most of the mistakes ( more scams and dishonesty) not caused by myself always tend to happen in the tourist/expat slums like Hua Hin, or Chiang Mai for example. Learned years ago avoid these places far less stress and far fewer if scams or misunderstandings. I have been traveling for so long everywhere everything is second nature.

Get married.

Daw is one of the Thai words used. I use Daw Lay often when a Thai woman always about in her 40's over weight dirty dress and flip flops attempts to cut in front of me in line. I have Daw Lay radar I can see them coming and ready to block off and shout Daw Lay . Odd men never cut in front of line and often ask if I want to go first.

@Garrett **********

Insurance 1st class is how much a year?

I have been in Nakhon Nowhere for months and able to keep busy and rarely bored. Maybe make an effort to learn Thai that might help greatly. I would be bored anywhere sitting hanging with foreigners.

@Lawrence *******

My question always is. Where did you meet her and can you speak Thai?:

@Jo ***

Tourists ok? Personally I don,t do the dual pricing thing. I would rather die before I would allow a insurance company take my money or even a hospital if they are going to over charge me. Better the money goes to my familyt.

And for the expats that live here ????? ZERO! WE have to pay a higher fee than the Thais.

@Kace ******

Not sure how it is for long term students. I do know that Thai Immigration checks often on the foreign students attending classes. Long term better just to get a Tourist visa.