CharlieH

Whatever floats your boat..😅

The clue is in the name 😁

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Generation X (Gen X), born between 1965 and 1980, faces a higher risk of developing cancer than the Baby Boomer generation, according to a recent study published in JAMA Network Open. This comprehensive research, conducted by the National Cancer Institute, analysed the health records of 3.8 million Americans diagnosed with malignant cancer between 1992 and 2018. The findings suggest that as Gen Xers reach the age of 60, starting in 2025, they are more likely to be diagnosed with invasive cancers compared to their predecessors. The rising cancer rates The study employed sophisticated computer modelling to project cancer rates and revealed an alarming trend: Generation X is experiencing larger per-capita increases in the incidence of leading cancers than any previous generation born from 1908 through 1964. This increase includes cancers such as thyroid, kidney, rectal, colon, pancreatic, and leukaemia among both men and women. Additionally, women in Gen X are projected to face higher rates of uterine, ovarian, and non-Hodgkin lymphoma, while men may see increases in prostate cancer. Unexpected findings Despite significant public health campaigns aimed at reducing cancer risks such as anti-smoking initiatives and increased screenings for colon, rectal, and breast cancers – cancer rates in Gen X continue to rise. The researchers highlighted the importance of understanding how different generations are exposed to varying carcinogens over their lifetimes. Photo by National Cancer Institute on Unsplash Contributing factors The study suggests several reasons for the higher cancer rates in Gen X. One major factor is the rise in obesity and sedentary lifestyles. Additionally, advancements in early detection may also contribute to the increase, as more cancers are diagnosed earlier and more frequently. These factors, combined with lifestyle changes and environmental exposures, paint a complex picture of cancer risk for this generation. Specific cancer increases Recent news has already highlighted increases in colorectal cancer among Gen X and younger individuals. However, this study also predicts significant rises in other cancer types. Both men and women in Gen X are likely to see higher rates of thyroid, kidney, and leukaemia cancers. Women, in particular, are projected to face increased risks of uterine, pancreatic, and ovarian cancers, while men may see a rise in prostate cancer. Generational exposure to carcinogens The study team emphasised that different generations have been exposed to various potential carcinogens throughout their lives. For instance, a 50-year-old today has encountered a different set of environmental and lifestyle risks compared to someone who was 50 in 1980. These differences in exposures likely contribute to the variations in cancer incidence across generations. Cancer incidence trends The study’s lead authors, Dr Philip S. Rosenberg and Dr Adalberto Miranda-Filho, utilised data from the Surveillance, Epidemiology, and End Results (SEER) program to model cancer incidence trends. They focused on invasive cancers diagnosed between ages 35 to 84 from 1992 to 2018, categorising the data by cancer site, sex, race and ethnicity. The analysis showed significant increases in cancer incidence for Gen X compared to Baby Boomers, with notable rises in thyroid, kidney, rectal, colon, and pancreatic cancers among both genders. Image by Tima Miroshnichenko on Pexels Declines in certain cancers Interestingly, the study also found decreases in lung and cervical cancer incidence among Gen X women, and declines in lung, liver, gallbladder, and non-Hodgkin lymphoma among men. However, these declines were overshadowed by the increases in other cancer types, resulting in an overall higher cancer incidence for Generation X. Future projections The study’s findings suggest that if current trends continue, cancer incidence in the U.S. and even elsewhere around the world could remain high for decades. This poses significant challenges for healthcare systems and underscores the need for continued cancer prevention efforts. The researchers called for further studies to explore the underlying causes of these trends and to develop targeted strategies for reducing cancer risks. Prevention and lifestyle changes Preventing cancer remains a critical public health goal. The American Cancer Society, Centers for Disease Control and Prevention, and World Health Organization advocate for several preventive measures, including reducing tobacco and alcohol use, increasing physical activity, improving dietary habits, and promoting breastfeeding. These actions not only lower cancer risk but also contribute to overall health improvements. Photo by Kristaps Solims on Unsplash Looking ahead As Millennials (born 1981-1996) approach middle age, there are concerns about their future cancer risk. The study’s projections for Gen X raise questions about the potential cancer burden for younger generations. However, advancements in cancer research and prevention offer hope for mitigating these risks. Continued investment in public health initiatives and cancer prevention strategies will be crucial in addressing this growing challenge. The findings of this study emphasise the importance of understanding generational differences in cancer risk and the need for targeted prevention efforts. With Gen X facing higher cancer rates than previous generations, public health initiatives must continue to evolve to address the changing landscape of cancer risk. By focusing on lifestyle changes, early detection, and addressing health disparities, we can work towards reducing the cancer burden for future generations. Individuals who are in the Generation X age bracket are strongly recommended to undergo frequent cancer screenings and to also get an experienced oncologist to oversee their health as it is better to prevent or detect cancer at the early stages rather than at later more serious phases. Contact MyMediTravel, the leading global medical concierge. Dr. Nikhil Prasad

Bangkok is a bustling metropolis known for its vibrant street life, aromatic cuisine, and rich cultural heritage. But did you know that this city also boasts some of the best tailors in the world? Whether you're looking for a bespoke suit, custom dress, or tailored shirts, Bangkok's skilled artisans have got you covered. Here’s a friendly guide to help you find the city's top five tailors for your custom fashion needs. 1. Empire Tailors Empire Tailors is one of the top tailors in Thailand. Founded in 1978 by Khun Suwan, Empire Tailors has over 40 years of experience in crafting bespoke garments. They specialise in high-quality custom-made suits, shirts, and blazers. Their meticulous attention to detail, combined with the use of premium fabrics, ensures that each garment not only fits perfectly but also lasts a lifetime. This tailor shop is known for their outstanding customer service, offering personalised consultations to understand each client’s style preferences and needs. This dedication to excellence has earned them a loyal clientele from around the world. Opening hours: Monday to Saturday, 10am to 7.30pm Address:124- 126 between Sukhumvit soi 4-6, near nana post office, Klongtoey, Bangkok 10110 You can contact them through their email [email protected] or their phone number +66 819220669 2. Ambassador and Smart Fashion (AMBFA) AMBFA Founded in the 1960s in Bangkok, Thailand, Ambassador and Smart Fashion (AMBFA) is a world-renowned bespoke tailoring company and formal wear consultancy. With over 60 years of experience and a global customer base, we are a multi-award-winning custom tailor known for achieving the highest standards of personal tailoring. Our commitment to excellence ensures total customer satisfaction, making us a trusted name for suits in Bangkok and beyond. We produce the finest hand-crafted garments and made-to-measure suits for any occasion, perfectly fitting you. Enhance your look with our high-end accessories for a complete, customized service. Our top-quality clothes and materials guarantee a unique and exceptional tailoring experience. Website: www.ambfa.com Instagram: @ambfatailor -- https://www.instagram.com/ambfatailor Facebook: www.facebook.com/ambfatailor LINE: @ambfatailor -- https://lin.ee/19GnumM Whatsapp: +669-8793-5696 -- https://wa.link/c7qs4s 3. Der Herr Bespoke Tailor Der Herr Bespoke Tailor stands on a rich legacy spanning over 50 years across three generations. As one of the highly regarded tailors in Bangkok, they consistently deliver the highest standards of craftsmanship and personalised customer service. From their exclusive and premium range of fabrics to the knowledge and expertise of their team, every detail is meticulously considered to ensure you exude confidence in the way you are dressed. Whether you need formal Suits, Shirts, Coats for business or casual tailored attires like linen pants or cotton chinos, you can trust that you are in expert hands. Conveniently located just a two-minute walk from Nana Station in a prime area of Bangkok, Der Herr Bespoke has earned a reputation for reliability and excellence. Following your initial visit, reordering is a seamless experience facilitated by professional record-keeping of your measurements. They also host annual trunk shows in Europe & the USA, with more information about this on their website. Opening hours: Monday to Friday, 10.30am to 8pm & Saturday, 11am to 7pm Address: 4/19 Sukhumvit Soi 8, Sukhumvit Rd., Klongtoey, Bangkok 10110 Thailand You can contact them through their email [email protected] or their phone number +66 928218911 4. Louis Collections Louis Collections Bangkok has been a premier destination for bespoke tailoring since 1985. Located in the vibrant Sukhumvit district, this renowned tailor shop offers expertly crafted suits for both men and women at affordable prices. Whether you’re a top executive from a multi-million dollar company or a recent graduate looking to make a lasting impression, Louis Collections on Sukhumvit will make sure you stand out. Discover more about their Sukhumvit store on Facebook and Instagram, or email them at [email protected]. Opening hours: Monday to Saturday, 10:00 am to 8:00 pm Address: 172-172/1 Main Road, Soi Sukhumvit 8 (Near BTS Nana), Khlong Toei, Bangkok 10110, Thailand 5. Michael Tailors For over a century, Michael Tailors has been crafting bespoke garments of exceptional quality. Their Bangkok atelier, located on the 3rd floor of MBK Centre, offers a wide range of tailored clothing, from suits and shirts to blouses and coats. By working closely with clients and leveraging their in-house factory, Michael Tailors delivers personalised garments at competitive prices. Their commitment to craftsmanship and attention to detail has made them a top choice for discerning clients seeking bespoke tailoring in Bangkok. Opening hours: Everyday, 10.30am to 9pm Address: MBK Center, G Floors, Zone D, Pathum Wan, Bangkok 10330 Final Thoughts Finding the perfect tailor in Bangkok can elevate your wardrobe to new heights. Whether you're in the market for a sharp business suit, an elegant evening gown, or casual tailored wear, these five top tailors offer unmatched quality and service. So, the next time you're in Bangkok, make it a point to visit one (or all!) of these esteemed establishments for a truly bespoke experience. Remember, a well-tailored outfit is more than just clothing; it’s a statement of your personal style and sophistication. Happy tailoring! Take a stroll through these amazing tailor shops during your next visit to Bangkok and enjoy the luxury of custom attire made just for you. Don't forget to savor the experience by capturing the moment with photos—you'll want to remember the craftsmanship and personalized service for years to come.

Definitely in my area.Tesco has dropped from 3 to one. Big C from 5 to one and the removal of one bank office. As stated by others it's mostly QR code now, even the noodle shops ! Pizza company have had a sign up along time stating "cashless store" .

Appears to be a regional issue as mine was last week with no issue as it has been for quite some time uninterrupted.

Probably why they want a SUBMARINE !

They are on to you Bob !

CLOSED. 15. You will not discriminate or post slurs, degrading or overly negative comments on the basis of race, gender, age, religion, ethnicity, nationality, disability, medical history, marriage, civil partnership, pregnancy, maternity, paternity, gender identity, sexual orientation or any other irrelevant factor.

Off topic and response removed.

More bickering off topic nonsense removed. Usual suspects assembled.

Selling a Business or Selling a Business in Thailand Isn't as Easy as You Think: Steps Business Owners Need to Know (short Version) Click here to start planning to sell your business professionally. Contact Max Solutions The process of selling a business in Thailand If you do it yourself without a sales consultant, the challenges that factory owners and business owners must face. We recommend business trading consultants like Max Solutions to help you close deals more easily. The business that we devote ourselves to, built with our efforts, when the day comes to decide to sell, no matter what the reason is, such as no success , no time to take care of the business, health problems, no drive to continue growing, want to retire, want to sell the business for profit, personal burdens The process of selling a business/selling a business is as important and complicated as the day it was first laid. It requires knowledge and good planning to get the best price and prevent problems that may occur in the future. In this article, ASEAN Now will help business owners who are considering selling a business/selling a business in Thailand to understand the selling process and important things to know if doing everything by themselves. Step 1. Prepare a team of experts Selling a business is like preparing for a major sports event. You wouldn’t want to go to the field without a coach or team to help you, would you? The same goes for selling a business. Having a team of professionals to advise and support you through every step of the way will help you sell your business smoothly and get the best price. Who should be on the team? M&A Advisor: Acts like a coach who will plan your sales strategy, from valuing the business, finding the right buyer, to negotiating to get the best price. M&A Attorney: Acts like a team manager, taking care of all contract documents and laws to be correct and fair to all parties, to prevent future problems. M&A Accountant: Responsible for checking and preparing accounts to be correct, complete, and reliable, so that buyers are confident in the financial status of the business. Step 2. Valuation of the business Valuation of your own business before selling will allow you to set a fair selling price. A reasonable price plays a part in the decision of the buyer. Knowing the value of your business will help to get sales being undervalued and receiving money from the sale that is not worth it. This evaluation should consider many factors. Start by calculating the seller's net profit (SDE) or EBITDA (earnings before interest, taxes, depreciation and amortization). Then use a multiplier to calculate the business value. A common multiplier for small businesses is 2.0 to 3.0 times and 4.0 to 6.0 times EBITDA for medium-sized businesses. Most valuations are based on cash flow, so increasing cash flow is the easiest way to increase the value of your business. The steps in valuing a business can be summarized as follows: 2.1 Financial Analysis Analyzing financial statements is the first step in valuing. Consider from Balance Sheet: Analyze the assets, liabilities and capital of the business Income Statement: Check income, expenses and net profit Cash Flow Statement: Consider the cash flow in and out of the business 2.2 Valuation Methods There are many methods that can be used to evaluate the value of a business, such as Market Approach: Compare your business with similar businesses that have been sold or valued Income Approach: Consider the cash flow or profit expected in the future and adjust it to the present value Asset Approach: Evaluate the assets and liabilities of the business by finding the remaining net value 2.3 Risk and Opportunity Assessment Assessment of risk factors such as financial risk, changes in law and economic situations, as well as assessment of opportunities such as market growth, business expansion and technology development However, if you do not have enough knowledge in one area, valuing a business can seem complicated because it requires expertise in many areas, including accounting, finance, law and knowledge specific to that business group. Therefore, you should consult an expert or a company that specializes in business valuation to get more accurate information. Step 3. Prepare the necessary documents and information for selling a business. Selling a business requires several documents and information to show the buyer the financial status, operations, and reliability of the business. These documents are evidence that helps the buyer feel confident in the business and make decisions more easily. Business owners should prepare the following necessary documents and information: 3.1 Financial Statements Financial statements are documents that show the financial performance of the business over time, such as: Balance Sheet: Shows the assets, liabilities, and capital of the business Income Statement: Shows income, expenses, net profit or loss Cash Flow Statement: Shows the cash flow in and out of the business Having complete and accurate financial statements will help the buyer see the overall picture of the business and assess the risks more easily. 3.2 Audit Reports An audit report is a document prepared by an external auditor after reviewing the financial statements of the business. This report confirms that the financial information presented in the financial statements is accurate and reliable. Buyers will use this report to verify the reliability of financial information. 3.3 Customer Information Customer information is information that represents a business's customer base, such as customer lists, trading history, purchase frequency, and other customer-related information. This information helps buyers understand customer relationships and the potential for future customer retention. 3.4 Contracts A contract is a document that represents an agreement between a business and other individuals or companies. These contracts may include: Supplier Contracts: Agreements to provide goods or services Employment Contracts: Agreements to employ employees Customer Contracts: Agreements to provide services or sell products to customers 3.5 CIM: Before you enter the market You will need to prepare a Confidential Information Memorandum (CIM), which is a 20-50 page document that you will present to qualified buyers who will sign a Non-Disclosure Agreement (NDA). These contracts help buyers understand the business relationship and the obligations that the business has. Let’s say you own a business that you are selling. Here is a list of documents and information that you will need to prepare: Step 4: Consider Who to Sell to Who to Sell to? Before you decide to sell your business, it is important to explore your options to ensure that you choose the path that best suits your goals and needs. 4.1 Selling to a Family Member (Family Succession) Pros: Keeping the business in the family, passing on the business legacy, creating a family bond Cons: May cause family conflicts, if the heir is not capable of running the business, the business may be damaged or not continue well. The sale price may be reasonable and not too high 4.2 Selling to Employees (Employee Buyout) Pros: Employees have a good understanding of the business, helping to maintain business continuity, boosting employee morale Cons: Employees may not have enough capital to buy the business. It takes time to raise funds. 4.3 Selling to External Parties Advantages: Often get a higher selling price because there is competition from many buyers. Give you the opportunity to start something new without having to worry about your original business. Disadvantages: It may take a long time to find the right buyer. The buyer may not understand the corporate culture and vision of the original business. If you do not have enough networks, you may not find a buyer or it may take a long time to find one. If you want the highest price… choose to sell to external parties. If your main goal is to sell your business for the highest price, selling to external parties is often the best choice because there will be many interested buyers competing to offer prices, giving you a better chance of getting a better price than selling to family members or employees. You should find a sales consultant who is an expert and has a network. He will cover the disadvantages and point the seller to the right buyer. This will result in a successful sale at the best price in the shortest possible time. More than 90% of business sales in Thailand, especially businesses worth more than 100,000,000 baht, are mostly successful because of the guidance of a business sales consultant or business agent. Steps to sell a business: Contact the buyer Once you have considered which group you will sell to, plan to reach that target group. For medium-sized businesses, you can contact buyers directly through various channels. It is recommended to have a list of at least 100-200 buyers to create 5-10 conversations and receive 1-5 Letters of Intent (LOI). Step 5. Negotiate and agree on a price Once we have prepared the business valuation documents and have been able to contact buyers to buy the business, negotiating and agreeing on a price is an important step that requires high communication skills and careful decision-making. Business owners should be well prepared to ensure smooth negotiations and maximum benefit. 5.1 Study the market and competitors Before negotiating, business owners should study the market and competitors to know the market value of businesses in the same industry and use this information to set an appropriate price, not setting a ceiling price that is too high to sell or too low to make a loss. 5.2 Prepare necessary documents and information The documents and information prepared in the previous step will play an important role in the negotiation. Financial statements, audit reports, customer information, and contracts should be used as evidence to support your offer. 5.3 Determine the scope and conditions required The business owner should define the scope and conditions required for the sale, such as: Payment terms: Will it be paid in cash or in installments? Transfer of assets: Will all or some of the assets and equipment be transferred? Retaining the current employees: Will the buyer keep the current employees and executives? 5.4 Prepare negotiation skills Negotiation requires communication, listening and negotiation skills. You should practice these skills or consult with a business/business sale expert to help the negotiation go smoothly, maintain your advantage and successfully close the sale. If the buyer is interested, they will present an LOI, which is a preliminary agreement before entering into a sales contract. As a seller, you should proceed carefully in negotiating the LOI because this is the last step where you have the power to negotiate. The terms and conditions should be specified as clearly and comprehensively as possible in the LOI. 5.5 Analyze the buyer's offer You should carefully consider the buyer's offer, including checking the buyer's financial capability, to ensure that the buyer can comply with the agreed terms. 5.6 Create a backup plan You should have a backup plan in case the negotiation does not go as expected, such as preparing to find another buyer or adjusting the terms to suit the situation. Step 6. Make a sales contract If both the business owner and the buyer are satisfied with the offer, the legal process will begin, drafting a contract to completely transfer the business to the new owner. A good contract will help the sale/sale of the business go smoothly and transparently, avoiding conflicts that may arise in the future. The following are the steps in making a sales contract that business owners can use as a guideline: 6.1 Preparing the draft contract Start by contacting a lawyer to prepare a draft sales contract, which should cover all the details agreed upon during the negotiation process, as follows: Seller and buyer information: Names, addresses, and contact details of both parties Details of the business being sold: Type of business, location, asset details, and related information Purchase price: Agreed price and payment method (e.g. cash, installments, or other methods) Payment terms: Payment schedule and money transfer terms Asset transfer: Details of the transfer of relevant assets, such as equipment, tools, inventory, and other assets Transfer contract: Agreements regarding the transfer of contracts with partners and employees Additional terms: Special terms agreed upon, such as retaining existing employees, training new buyers, or maintaining business confidentiality 6.2 Review the draft contract A lawyer or legal expert reviews the contract again. Ensure that the contract is complete and accurate. Having a lawyer review the contract will help prevent future conflicts and legal problems. 6.3 Negotiation of Contract Amendments If there are amendments or additional offers from either party, negotiations should be made to improve the contract to the satisfaction of both parties. These additional negotiations may involve adjusting payment terms, adding special terms, or amending unclear terms. 6.4 Signing the Contract Once both parties have reached an agreement, the sales contract should be signed, with witnesses certifying the signatures of both the buyer and seller. A copy of the contract should be kept by both parties as evidence. 6.5 Execution of the Contract After signing the contract, the agreed terms should begin, such as transferring assets, making scheduled payments, and transferring contracts with partners and employees. The execution of the contract should be continuously monitored and reviewed to ensure that everything is as planned. 6.6 Closing Once all steps have been completed and all payments have been made, the sale should be officially closed, with the signing of the closing document and the transfer of ownership of the assets to the buyer. The closing should ensure that all relevant evidence and documents are preserved. What are the challenges of selling a business without an M&A advisor? Solving the problem of not being able to sell a business Did you know? According to Morgan & Westfield, the success rate of selling a business is 15% - 30% for small businesses, while medium-sized businesses have an estimated success rate of 30% - 40%. From reading the steps above, you can see that the process of selling a business, if done by yourself, from the process of building a team, is not easy for you to be in the group of 30-40% successful. Along the way, you will encounter many minor headaches, such as documents, legal problems, and negotiations. The following are the major challenges that you will definitely encounter if you go it alone. 1. Difficult to find the right buyer Finding the right buyer is a step that takes a lot of time and effort. Many people seek help from a business broker or a business sales consultant to make it easier to close a sale, even if they have to pay a sales commission. If we do not know the market source, the chance of finding a buyer who is interested in and understands your business is difficult. How much experience and skills does the buyer have in business management? How will it lead the business you have built to prosperity or failure? These are things that many business owners consider and give importance to. Another point to consider is whether the buyer has enough capital. If he does, but it does not reach the price you want, You will have to spend more time finding new buyers. 2. Negotiation requires advanced skills Negotiation is an important part of selling a business. You need to be able to communicate and negotiate to get the best price and terms. Good negotiation requires preparation. You need to have all the information and documents ready, know the value of your own business and be able to explain it to the buyer. No matter how well you prepare, if you are weak in negotiation skills, you may be at a disadvantage. 3. Laws and taxes Selling a business involves many laws, such as business law, tax law, and labor law. Not understanding these laws may cause you to face legal problems later on, such as: Illegal contracts: If the sales contract is unclear or has errors, it may cause conflicts. Violating tax laws: You may be fined or face financial problems. In the case of selling without a specialist consultant, you may have to pay taxes as high as 35% instead of making a profit. You may end up in debt instead. Managing employees after the business is sold: If you are not aware of labor laws, transferring employees can become a lingering problem. Business sales consultant: Max Solutions M&A services help you sell your business/business more easily. If you are not sure that selling yourself will be successful, we recommend Max Solutions, a professional business consulting firm and a center for M&A in Thailand, specializing in Mergers & Acquisitions. With our experience and expertise, you can be sure that selling your business will be smooth and yield the highest returns. Why choose Max Solutions? No upfront payment: You do not have to pay anything until you successfully sell your business. Extensive buyer network: We have a strong network of buyers and partners, which will increase the chances of selling your business/selling your business faster. One-stop service: We take care of every step from start to finish, whether it is valuing the business, finding the right buyer, negotiating, or signing a sales contract. Therefore, sellers do not have to worry about documents or legal procedures. Add value to your business: We have strategies and techniques to add value to your business to get the best selling price. MAX AI: MAX AI matching system is developed in collaboration with a team from Stanford University to increase the efficiency of matching with buyers in the network to minimize the management time. Experienced team: The same team from 50 years of legal and accounting work from Thanomsak Law and Accounting Office. Tax planning (special): Helps with tax planning, significantly reducing tax burdens. Which is comparable to selling by yourself, may have to pay tax up to 35% Special for Thai business owners Free consultation: You can consult about selling your business for free, no charge. Free business promotion: Help promote your business to Max Solutions's investor network. Find buyers first: We conduct a buyer survey for you before you decide to use our service. After the business is sold/sold successfully, the seller pays only 3%-10% service fee, depending on the size and complexity of the transaction. Click here today to start selling your business/selling your business professionally. Contact Max Solutions https://maxsolutions.co.th/ Line ID: @MaxSolutions Phone: +66 89 776 4545 Location 50 Soi Phatthanakan 64, Prawet Subdistrict, Prawet District, Bangkok Email [email protected] Special for investors or those interested in investing We have a business procurement service for you: If you are interested in buying or merging businesses in Thailand, Max Solutions has a business selection service that meets your needs.

Adult sexual content removed.

Post containing link removed. 9.Links to outside content should always include relevant commentary. Blind links to outside content with no context or explanation may be removed. Please also try to avoid FB as not everyone has FB and cannot access.

AI own answer...... "Human oversight is usually necessary to ensure accuracy and fairness, especially in nuanced situations where context is important" 😉

Expensive and totally impractical.(Imho)

And I bet it wrote it 10x faster than you probably would've taken to compile edit and post it.👍

Reported flame post removed. @LS24 you need to stop the flames or leave the topic.

Flame post and subsequent responses quoting it removed.