Dynamic Currency Conversions Overcharge the Unwary

Charge0001Using your credit card internationally is a convenient way to pay for things. Less risky than cash, credit cards also offer a lot of protections. Sometimes, though, paying with credit cards while traveling can turn into an expensive proposition. Unexpected fees, unknown conversion rates, and other costs creep onto your statement.

Even with credit card companies that profess not to charge any fees for international use, you never know if the exchange rate will be favorable. It is no surprise, then, that a popular – and legitimate – scam that purports to provide travelers with the convenience and security of locking in their exchange rate at the time of purpose, is becoming more common.

This practice, known as Dynamic Currency Conversions (DCC), catches many people unaware but in every circumstance, you end up with a poor deal. Here’s how DCC works:

When paying with a credit card overseas, the merchant may offer to charge you in your home currency, so you have the “peace of mind” of knowing what the conversion will be. More often than not, this DCC is not offered, but the staff instead use it as the default option. The charge slip will show your sale price in local currency and, below that, in your home currency. A disclaimer will say something like:

[  ]I accept that the selected transaction currency is USD and is final and acknowledge that I had a choice to pay in THB. I accept the conversion rate and final amount and the currency conversion is conducted by merchant and is not associated with or endorsed by Visa.

You may think that if you want to pay in the local currency, all you need to do is leave the box unchecked and then sign the charge slip. Of course, the staff will simply check the box afterwards and you will be charged the DCC.

Who does this? Here in Thailand, I’ve noticed that credit card machines powered by Bangkok Bank seem to be the most frequent ones pushing the DCC. Boots, a British-based personal goods chain, is a regular offender. I’ve also received reports from friends of King Power, the company that has a monopoly on duty-free goods at Bangkok’s two airports, does this, too. I’m sure these two companies are hardly alone.

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The impact of DCC on your bank account is significant. A recent charge of THB 5,295.75 was “conveniently” converted for me to USD 180.06. I declined the conversion and insisted on being charged in Thai Baht. The charge that hit my credit card statement was only USD 173.00. The DCC represented a 4.1% charge over what my Visa credit card issued by Chase Bank charged me.

Travelers abroad, permanent expats as well as tourists, need to be vigilant for Dynamic Currency Conversions. If you are presented with a charge slip that has your home currency, or any other non-local currency, listed, refuse to sign the slip. Insist that the charge be refunded and that another charge slip be prepared in the local currency.

As Visa notes on their website, “If you do not want to use DCC when making a purchase, then you have the right to refuse the offer and have your transaction billed in the merchant’s local currency, which will then use Visa’s conversion rate.”

If you are so inclined, you can also speak with the store’s management and let them know what you think of the practice of providing DCC as the default payment option. It is hard to imagine that the extra income these businesses earn doesn’t factor into their decision to offer this “convenience” for their customers.

 

Vegetarian Thai Food – Khun Churn

Recently, we had a friend visit from San Francisco who is vegetarian, trending vegan. Now, I spent two years or so in university as a vegetarian, so my reaction to vegetarians isn’t inherently hostile. Plus, unlike some vegetarian friends we’ve had visit, this friend is very low-key about what he eats and that made it a lot easier to accommodate him. That said, the experience of trying some vegetarian Thai restaurants here in Bangkok was not so positive.

During his visit, we ate at two restaurants that are specifically vegetarian. The better of the two, which I’ll write about here, is Khun Churn. A 15-year old Chiang Mai restaurant, Khun Churn opened a branch a few years ago in the basement of the Bangkok Mediplex building, adjacent to the Ekkamai BTS station. The retail floors of the building are largely deserted and arriving at 7:00 one evening, we almost gave up on the restaurant being open, so many lights were already turned off.

We arrived to find a friendly and inviting space, though, nicely decorated and with welcoming staff. The menu is comprehensive and accommodates not just vegetarians but eaters of “Buddhist Jae” food, a sort of strict veganism that also includes no garlic, shallots, and certain other foods that overstimulate the senses. The kitchen is able to mix and match as you desire, leaving out ingredients that you don’t eat or including them if you do.

Our meal got off to a particularly good start with Miang Takrai Bai Chaplu – a version of Miang Kham, a popular Thai appetizer. The normal dish features betel nut leaves served with a variety of condiments – small pieces of lime, shallot, peanut, dried shrimp, fresh chili, and ginger. The name means, roughly, “many things in one bite,” and provides a nice way to perk up your taste buds in anticipation of the meal ahead. Khun Churn’s version contains sliced lemongrass, mint, roasted sesame, ground peanuts, roasted coconut, cilantro and chili paste blended together. Needless to say, the flavor packs a wallop and is intensely interesting. 

Sadly, the Miang Takrai was the flavor highlight of the meal. The next dish was Kuayteaw Lord, noodle rolls stuffed with tofu, black ear mushrooms, bean sprouts, and served with a black sweet and sour sauce. These were okay, but the sweet and sour sauce (mostly sweet) was the first of too many dishes that relied on the sweet soy sauce. Thai food is known for its balance of flavors – sweet, salty, sour, bitter, and spicy – and all too often, “sweet” was the dominant note.

The next dish was called “Merry Mushroom” and featured three types of mushrooms – erringi, Shitake, and oyster – breaded, deep fried, and served with an garlic and onion cream sauce. Well, that’s what the menu said. It was not a cream sauce, but was a soy, garlic, shallot, and coriander sauce. The Shitake mushrooms stood up well to the deep frying but the erringi and oyster mushrooms tasted like breading and nothing else. The sauce was okay, but didn’t stand out.

For the next dish, our guest asked us to order Pad Thai, so we ordered a version called Pad Thai Woon Sen, made with mung bean (“cellophane”) noodles rather than the typical wide rice noodles. This version was less sweet than many of the other pad thai dishes he had eaten on this trip, but the overall flavor was still a bit one-dimensional. Pad Thai relies on tamarind paste to form the sour base of the sauce. Without fish sauce, the dish ended up unbalanced and some sort of salt would have helped round out the flavor.

Since Khun Churn is a northern Thai restaurant, it seemed appropriate to try a famous northern dish, Nam Prik Ong. This dish is usually made with chili paste, ground pork, and tomatoes and is served as a dip for fresh vegetables and deep fried pork skin. Here, tofu was used instead of pork and the pork skin was replaced by a clever “tofu skin” that achieved the same texture in the hot oil. I hate to say it, but tofu makes a poor substitute for pork because tofu doesn’t add any flavor. Something – a little concentrated mushroom stock, perhaps – was needed to give the dish its characteristic meatiness.

We ordered another take on a classic dish, chicken stir fried with cashew nuts – Gai Pad Med Mamuang. This version substituted tofu for the chicken. The problem is, the original version (one of my favorite dishes) is made with oyster sauce or fish sauce, which gives the dish that satisfying umami flavor. Instead, they relied on sweet dark soy sauce which gave the dish a very sweet flavor but lacked the roundness or robustness that would have made the dish satisfying. Again, a pinch of salt or some mushroom stock might have helped deliver the missing element.

We concluded with a Gaeng Kiaw Waan – a green curry with tofu and vegetables. I was curious to try this because the previous Thai vegetarian restaurant we had been to served such a miserably watery version of this classic curry. The version at Khun Churn was more robust and had a creaminess that was enjoyable. Sadly, the flavor was still very sweet and lacked the necessary balance.

As a whole, the meal was good but not enough to make me want to return to the restaurant on its own merits. Instead, it will remain filed in that dusty category of places to bring vegetarian friends to.

Afterwards, we walked across the street to the Gateway mall, a Japanese themed mall, to enjoy some Japanese style shaved ice desserts. This is when vegetarian dishes being very sweet is okay!

 

The Ultimate Little Boy Cake

I don’t mean for the title to sound sexist, as this cake could be enjoyed just as well by a little girl, but when I saw it sitting on the counter at the Mandarin Oriental Shoppe at Emporium Mall, I thought immediately of a certain nearly four-year-old boy with whom I recently had a long conversation about the names of the different Marvel superheroes in The Avengers.

The conversation went in circles around the character Hawkeye, who is his favorite superhero. I was telling him that Hawkeye’s alter-ego name is Clint Barton in the same way that Spiderman is also known as Peter Parker and Batman as Bruce Wayne. For some reason, even though he knew of Spiderman and Batman’s alter-ego names, he couldn’t grasp my explanation of Hawkeye and Clint Barton. I tried both Thai and English, but for some reason he just wasn’t buying it. His mother also tried to explain it, to no avail.

Sadly, Hawkeye isn’t represented on the cake.

 

Forgot the Sunset

Can’t believe I forgot to upload the photo of the sunset at Wat Pho and include it in my previous entry about the afternoon trip to Bangkok temple.

Have gone ahead and added it into that entry, but for those of you who already read the entry, I will include the picture here so you can enjoy it. Shot by an iPhone 4s – pretty impressive, no?

 

Afternoon Trip to the Temples

We have had a steady stream of visitors over the last few weeks, with more to come before year’s end. I took an afternoon to accompany one of our guests to the old part of the city, Rattanakosin Island. When I have guests, I try to show them more than just the typical tourist’s view of the city, even when going to see the popular tourist sights.

To be a good host, you have to know just how much excitement your guests can handle. In this case, I figured Jordan could handle a ride down the city streets on the back of a motorcycle taxi. Maybe I should have set expectations ahead of time, as I think he was a bit shocked when we first set off.

After a ride on the Khlong Saen Saeb canal boat and a connection to a tuk-tuk, we arrived at the Grand Palace and Temple of the Emerald Buddha. This is the must-see tourist site, the most important temple in Thailand and one of the most spectacular examples of the overwhelming decoration of Thai religious architecture. But it is tourist high season and the complex was flooded with tour groups.

I tried to work around the outside of the complex, looking for angles and vantage points that were free of tourists and that allowed for greater appreciation of the ornate beauty of the temple. This shot, taken on the side of the main hall which houses the Emerald Buddha, shows a worker applying a new coat of paint to the base of the building. The paint was a brilliant shade of red and the man worked with slow, methodical strokes of his brush. His activity seemed almost meditative.

A short walk away is Wat Pho, the Temple of the Reclining Buddha. This is another popular tourist spot, but most tourists just walk into the main hall with its huge image of the reclining Buddha, and then leave. The temple complex, which predates the founding of Bangkok, is much larger than one might think and is worth exploring.

In the back section of the temple is a large Buddha image hall that I find more impressive than the Temple of the Emerald Buddha. As we were sitting there, admiring the detail, an older monk arrived. He prayed in silence for several minutes and then after the grandfather clock struck 5:00, he flipped a switch, illuminating the statues. Other monks had trickled in and they began their evening prayers, beautiful chants in the Pali language that echoed off the mural-covered walls.

As the sun set into the muddy horizon, we wandered around the rest of the nearly-deserted temple complex. A white cat napped beneath the legs of an old statue of a Chinese lion. A few tourists wandered by, looking for the massage school located on the temple grounds. It was a very different experience than the one you get in the usual rush to see the sights. Hopefully, it was memorable.

TG Business Class to Chiang Mai

For our trip to Chiang Mai for the wedding, the grooms thanked us for Tawn’s help with the maids of honor’s dresses by flying us on THAI Airways business class. Of course, a 55-minute flight hardly needs business class, but it was a nice treat!

Our plane, an ancient Airbus A300-600. Despite its age, the plane was clean and in good condition. Before departure, we were able to relax at the Royal Orchid Lounge in the domestic terminal. They offer comfortable seats and a range of snacks and beverages.

The interior of the plane, which is used mostly for domestic routes and near-regional routes, is a bit of a throwback to a bygone era of decoration. The seats are equivalent of domestic (US) first class, comfortable but without a lot of extra leg room. Of course, it is perfectly comfortable for such a short flight.

Tawn settles in for his flight, complete with a pink pillow, hot towel service, and a selection of pre-departure beverages. Pretty impressive for such a short flight!

Despite the flight’s brevity, they actually serve a snack service, complete with crisp white linens, real silverware, and porcelain dishes. On the flight north, there was a poached chicken breast with a green apple salad.

The dessert was a sweet sticky rice covered with coconut cream, fruit, and black beans. In addition to a variety of herbal drinks, coffee and tea service were provided. The pacing of the service was relaxed and we didn’t feel rushed at all.

On the southbound flight, we were served cold chicken larb patties – chopped chicken with Thai spices, and fresh vegetables. The dessert was a coconut pudding with fresh fruits. Very tasty.

Our plane parked at the gate in Chiang Mai. Service both ways was very attentive and friendly. If I ever have the means, I’ll make business class my regular choice when flying!

The Axe Unexpectedly Falls

My blog is honest. The things you read here are accurate representations of real things I have experienced. My blog is also incomplete. I am circumspect about many details of my life, especially about my work. As I have written before, my blog originated as a way to keep friends and family informed about my experiences when I moved to Thailand more than seven years ago. I would normally not share the following type of news in this forum, but it seems the best way to bring people who are close to me up to speed.

For almost thirteen years, I have been an employee of Company R and the company it purchased a few years ago, Company I. A few months before moving to Thailand in October 2005, my manager unexpectedly asked whether my responsibilities could be shifted in such a way so that I could continue working for a few months as my replacement was found. We agreed that writing and updating training materials (instructor’s guides, online presentations, and collatoral) was a part of my job that had received less attention than it needed and would be suitable for remote work.

This short-term arrangement began well and eventually the fact that I was working 8,000 miles away from the head office was a non-issue. In fact, the ability to alternate days and nights with my colleagues because a benefit and my performance appraisals have glowed ever since. I regularly receive very positive feedback from all levels of the organization and have often been told that I am invaluable.

Two and a half weeks ago, I was invited to a “strategy” conference call with my boss, her boss, and the HR director for our division. Based on the attendees, I wasn’t surprised at the news that was delivered, even though it was completely unexpected.

My job is being eliminated in favor of a new position at our training headquarters in suburban Atlanta. I was given 90 days’ notice of the move (the new position is mine if I want it) and 30 days to choose whether to accept the offer. If I do not, I will be out of a job in mid-February.

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My work experience with Company I has been very good, especially the people with whom I’ve worked closely over the years. Our acquisition by Company R has been positive and I actually feel better about the company’s future now than I did before the acquisition. There are a lot of elements of our division’s business that carry my fingerprints and I have a deep sense of ownership of the work I’ve done and the materials I’ve created that are used by more than 8,000 employees every day.

That said, after evaluating all the relevant information, I chose not to move to Atlanta. Doing so would mean leaving Tawn behind and ending our marriage* – something that isn’t an acceptable option.

I suppose it would be normal to feel angry or upset, but I appreciate that Company R gave me 90 days’ notice instead of the usual 30 and will also pay me 16 weeks of severance pay, which should cushion the blow.

One reason I’m not upset is that for the past couple of years I have realized that I’ve been enjoying the flexibility and ease of my work arrangement while not progressing in my professional development and my earning. In fact, thanks to the weakening dollar, my salary has dropped more than 25% in real terms since I moved here.

An initial inspection of my options and networking with friends here in Bangkok confirms that I should be able to find a position that will match my current salary or, with some extra effort, increases my compensation. Of course, that will come at the price of a regular office job and the hours that go with it! 

In any case, that’s the news. A big change but also a tremendous opportunity. I don’t know if I will provide very much detail of the job hunt but may provide an update or two as appropriate.

 

*Because of the Defense of Marriage Act, a US federal law that denies me the right to sponsor my husband for immigration because we are of the same sex.

Bangkok by Train, Boat, Bus, and Tuk-Tuk

A few weeks ago, I was visited by a quartet of friends, several of whom are transportation geeks… er, enthusiasts. Reprising a transportation-themed tour I led two years ago, I took my guests on a six-hour excursion around the metropolis. This time, the number of modes of transportation increased from seven to ten: Thong Lor red bus, Khlong Saen Saeb canal boat, taxi, third-class heavy rail, non-air conditioned city bus, Chao Phraya express boat, ferry, tuk-tuk, Bus Rapid Transit, and Skytrain.

I hope you enjoyed the journey!

 

The Ville of Urban Eatery

A few weeks ago, I shared some pictures of signs I had seen in Shanghai that were good examples of odd translations into English. While the signs in Thailand are generally more accurately translated, I did just recently run into one that made me pause.

An office building across from Central Chidlom department store is being renovated and rebranded as The Mercury Ville @ Chidlom. The tag line: “The Ville of Urban Eatery. The Venue of Urban Dining Flagship in Town.” I have no idea what that means.

A Grand Wedding in Chiang Mai

This week we have been in Chiang Mai, the largest city in northern Thailand, to attend the wedding of two friends of ours. Both Thai, one of them is from Chiang Mai, so it seemed the perfect setting for them to start married life.

The wedding was held at the Rachamankha Hotel, a 24-room boutique hotel located in the old city walls. The entire hotel was taken over by the wedding party and we arrived a few days early to enjoy the setting.

The entrance to the hotel is flanked by a pair of buildings that are designed in an interesting blend of tropical, Chinese, and colonial styles.

The interior courtyards echo Lanna architecture, the kingdom that covered Northern Thailand from the 13th to 18th centuries. Most of the rooms line the two courtyards. Ours was to the left. The pavilion in the center offers comfortable seating and nice breezes.

One of the front buildings is covered with vines, giving an interesting European feel to the entrance area.

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The preparations for the wedding started two days before. The grooms’ friends provided many of the services: flower decorations, cupcakes, and in the case of Tawn, designs of the wedding party’s female members’ dresses. Above, Tawn and I pose with the beautiful floral decorations.

Tawn poses with the nieces (and nephew) of the groom. He designed the dresses for the girls.

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The day of the wedding began with a traditional Buddhist wedding ceremony. The wedding party and guests walked to the local temple at 6:45 am to feed the monks.

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Monks and novices after receiving their alms. They then chanted and blessed the wedding party.

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We returned to the hotel and later in the morning, performed a traditional ceremony in which the parents and elders pour water over the couple’s hands. The beautiful puang malai garlands were placed around the couple’s necks. And in a nod to northern Thai tradition, guests tied strings around the couple’s wrists to wish them good luck and happiness.

In the late afternoon, a traditional Christian ceremony was held by a friend of the grooms who is a minister. A few minutes before the guests were seated, I snapped this picture of the courtyard that was decorated for the ceremony. The flower arrangements were amazing. The small white flowers in the grasses at the front of the picture were added by the florist.

After the service, guests were invited to participate in a loi krathong ceremony, in which small rafts holding flowers, incense, and a candle are launched – usually in a river or lake but we made do with the swimming pool – as a way of sending away bad fortune.

The swimming pool filled with krathong.

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After dinner, guests participated in another version of loi krathong that is unique to the north: yii ping. These paper lanterns are launched in the same gesture as floating the rafts of flowers, incense, and candles. It is something I’ve always wanted to see in person as it strikes me as very beautiful.

Here are two short videos that show the guests launching the lanterns. They will give you a sense of how beautiful the tradition is.

This second video is in HD.

We had a wonderful time at the wedding, truly honored to be a part of this special moment in two friends’ lives. We wish them all the happiness and a long life together.