brobro2424

On 1/22/2024 at 11:09 AM, Sheryl said:

 

When you get to the point of actually buying a policy it is definitely best to go through a broker as they can help with any claims issues later but no harm in doing some initial research on your own first.

 

Excellent post, many thanks

Can you advise a good broker for cigna?

On 7/31/2022 at 5:39 AM, Captain Monday said:

Technical analysis is nonsense.

Technical analysis is astrology for boys

On 7/3/2022 at 9:49 PM, JustThisOnePostOnly said:

Understood.

 

Removing the smoke may not but the modality of inhaling vapor is very new to the human experience.

 

That's my only point.  I'm not saying it's harmful.  I'm not saying I wouldn't do it.  It's just that, being so new, we can't say for certain what the long-term outcome is, because lungs are just that complex.

 

There's a very good chance our species has already undergone the adaptations necessary to handle mj smoke.  People conflate mj smoke with tobacco smoke all of the time and the two couldn't be more different AND we have the medical research that shows that.

 

Sorry to be so strident, but this is a pet peeve of mine.  Marijuana gets legalized in the U.S. and suddenly we see all of these other activities, and I don't know and have no reason to suspect that vaporization is harmful and should be in the same category as, say, butane explosions and cookie overdoses, but dammit we have a safe form of consumption and it's called SMOKING and it works every time.

 

If it's not broken, don't fix it.

You do realize that every time you've been smoking, you've also been vaping, right?  Eg in a spliff you sucking air past the burning "cherry" of the spliff, then that hot air is passing through the unburnt weed, thereby vaping its contents. Some of us just like to do the vaping bit without the breating-in-smoke bit.

thanks all. Especially the google site: search reminder ????

Or the search function is a complete failure?

Is there another part of the forum that this kind of stuff should be posted in? I cannot find it.

On 12/5/2021 at 10:25 AM, chuang said:

I don't know what all the fuss about....stay indoor.

Until when? Its not going away.

4 hours ago, Mac Mickmanus said:

   For the subsequent 60 day Covid extension you will need the normal things ; passport, photo , photocopies and you will also need a TM30 form .

   Your accommodation provider (hotel, condo,) needs to register you at the TM30 immigration office (which is at the immigration airport office) and you need to submit that form .

   Nothing else is required 

great, thanks

3 hours ago, Greenwich Boy said:

Something to consider, when applying for a Covid extension at CM you initially get 15 days then the other 45 when you return.

 

thanks. Bit of a pain as im the other side of CM

3 hours ago, Greenwich Boy said:

Mate did this yesterday and his extension started then, not added on to his original permission to stay date. A bit second hand info I know but just reporting what he said.

right....  good to know after reading different elsewhere. Exactly the type of quirk people need to be aware of.

Short version: what documents are required by CM immigration for a Covid Extension

Longer:

My tourist visa started early October and today I planned to visit CM immigration to get the covid extension before the November 26th deadline, to give me 2 months of extension, rather than waiting until early December and getting 1 month of tourist visa extension.

I called Assist Visa company who informed me that I need to use a tourist visa extension before using the covid extension and that the deadline has now moved back to 25th January.

This seems to be confirmed here https://thethaiger.com/hot-news/visa/deadline-on-friday-to-apply-for-60-day-covid-visa-extension . In this article they mention that different immigration offices ask for different documents. Has anyone here applied for it in CM, and if so what did they ask for? Eg. residence certificate? Insurance Docs?

Many thanks

60THB walking street pai

I've just acquired a bunch if this stuff on the walking street in pai for 60thb. Grown down south apparently. Still looking at how best to consume it

On 9/10/2021 at 6:22 PM, KannikaP said:

From the OP

Kratom leaves can be freely planted.........

 

I went on Gardeners' Questiontime and asked Alan Titmarsh, who told me you need a SEED to grow anything from!

What's plant cloning then?

On 8/31/2021 at 11:20 AM, Neeranam said:

Interesting, but I disagree a bit.

What I mean -  I used to buy ganja, which is nearly harmless, from a guy who also sold speed, which nearly killed me at 25, and made me psychotic, got me incarcerated. I would never have gotten addicted to that if it weren't for the dope dealer. This is due to the fact that they were illegal. 

I agree that addiction is the "dis ease".

My gran used to tell me to stick with beer as I would only end up a drunk, whereas if I drank spirits, I'd end up an alcoholic. Nonsense, I know, however much easier to drink spirits than beer, ie a half bottle of Smirnoff in a coffee flask or ginger bottle at work.

Keith Richards maybe isn't a good example, look at him! 

Pure heroin is less dangerous than alcohol, for sure. Actually, alcoholics get their high as they are physiologically different from normal people - their bodies produce natural opiates, when alcohol is introduced to the body. Now, breakthrough is being made with a drug for alkie -  and opoid antagonist, which stop an alkie from getting the high. 

The worst drugs around are things like Methadone or Benzos, but they are prescribed willy nilly by doctors -  try coming off them, 100x worse than heroin or alcohol!! 

 

 

 

 

Got any references for this idea that alcoholics bodies are different?

Is it because ETHs fees are so high all the traders see its potential to do what eth does but cheaper?

2 minutes ago, The Hammer2021 said:

What car would you buy...etc etc might be a less obtuse title

clickbait init

6 minutes ago, Airalee said:

Not sure there are any newer cars in that price range that are fun cars.

 

10(ish) year old Mazda MX5, VW GTI/Golf R or spend a little more for a Lotus Elise (probably not a good/comfortable daily driver though).

thanks i'd seen mx5 as a possible, didnt know there were GTI's or R's around. Tasty!

Im jokin im not racing to Pai. Honest guv. Since driving scooters and boring cars around northern thailand I've fantasized about having a decent car to make the most of that twisty tarmac. After a few years working back home Ive got some THB together and wondering how to approach it. What would you spend 1.5mil on? Is there a reasonably new hatchback which was fitted as standard with a detuned engine to meet emissions standards, that could be retuned easily? I do want it to be a daily driver as well. Or are diesels better for tuning gains?  I'm in Chiang Mai and my plan so far is to ask the local tuning shops but I'd love to tap the knowledge here first

6 hours ago, bolt said:

From my past experiences and working with lads who tried to dodge paying Tax in the UK, it gets harder and harder each year, you would need to be out for a minimum of 3-4 years before everything kicks in.

Its more like 5 years now with various factors needing to be taken into account.

6 hours ago, bolt said:

 

Take a deep breath and consider where you’ll be in 5-10 years, quick fixes sometimes lead to disaster later due to poor planning or listening to advice in pubs or web forums.

I agree this should not be gone into lightly. For me the £££ benefits are huge. 

6 hours ago, bolt said:

 

My mate has been offered a job working offshore Israel, he’ll be paid from a company in Singapore, he thought great tax free and he only needs to stay out of the UK for X number of days.

I told him unless he’s going to stay out of the UK full time for a period of 5 years it aint worth the hassle of trying to hide from the UK tax man, I told him to pay his tax and he can sleep at night and he wont be worrying about a tax bill dropping through his letter box later.

 

My last comments speak to an account, don’t too much listen on here.

Ive spoken with accountants already but will be getting it all in writing too to present to HMRC if there's any issue further down the road.

10 hours ago, Mike Teavee said:

Overview

You usually have to pay tax on your UK income even if you’re not a UK resident. Income includes things like:

 

Its not UK income. The work is done outside the UK and thats where residence starts to matter, hence the SRT

10 hours ago, Mike Teavee said:

Overview

You usually have to pay tax on your UK income even if you’re not a UK resident. Income includes things like:

• pension
• rental income
• savings interest
• wages

If you’re eligible for a Personal Allowance you pay Income Tax on your income above that amount. Otherwise, you pay tax on all your income.

 

The country where you live might tax you on your UK income. If it has a ‘double-taxation agreement’ with the UK, you can claim tax relief in the UK to avoid being taxed twice.

 

https://www.gov.uk/tax-uk-income-live-abroad

 

just scroll a little bit further down that exact page it indicates that tax on wages is based on the number of days you work in the UK:

When tax is not due or is already deducted

Non-residents do not usually pay UK tax on:

• the State Pension
• interest from UK government securities (‘gilts’)

If you live abroad and are employed in the UK, your tax is calculated automatically on the days you work in the UK.

14 hours ago, Will B Good said:

Serious question....where have you got that from?

The longer answer is....

If I pass the SRT test https://home.kpmg/content/dam/kpmg/pdf/2016/01/statutory-residence-test-flowchart.pdf
then I am not taxable in UK for that tax year. Since this is my first year working outside the UK, I can apply "split year treatment" and be non-uk-taxable for the second part of the tax year (date i arrive in thailand until end of tax year)

Generally speaking, I need to remain uk-non-resident for about 5 tax years for HMRC to not come for the tax later by saying that I was only temporarily non-resident.

14 hours ago, Will B Good said:

Serious question....where have you got that from?

The more serious question should be "Why would you be paying tax to a government if you are not living there to reap the benefits of those taxes?"

14 hours ago, MRToMRT said:

 

I think the crux to this is how you earn your income, if UK payroll PAYE then asking your employer to pay you as an invoiced consultant or whatever directly offshore without tax deducted would negate the need for the future UK tax bill (obviously dont exceed the UK allowed working days if you are using test 1 of non-resident test). Obviously Thailand is very lax on checks at this end, which makes tax avoidance very "easy" esp if you are over 50 or take the elite option if you are willing to fund that. I would say a large portion of Brits do this already. I have no experience with the split year.

 

This looks like it might be a very good idea but would I need to set up a company or could I just invoice by my own name?

14 hours ago, bolt said:

Thats in correct

@Oxx is 100% correct, if the company paying you is based UK then its classed as UK, many many companies set up smaller branches in other country's.

so the OP will need to change his employers company or address to be NON UK

I've 26 years overseas and I know things change from time to time, but the company based in or out UK hasn't changed.

 

 I think its tied to the employers declaring who the pay and employ no matter where they are in the world.

 

So it doesnt really matter where you are, its where the Employer is

A company may well set up a branch offshore for tax reasons, but there is no requirement for the UK company to do this to continue to employee a british citizen working remotely. Here's a case for the time being but I will get back with some specific accountancy advise soon

https://www.justanswer.com/uk-tax/dfy8s-sam-dutch-national-currently-living-uk.html

9 hours ago, Mike Teavee said:

To be clear, you have to pay the tax somewhere that has a DTA with the UK or you won't be able to claim it back (As I posted, I'd paid tax on those earnings in Singapore so was able to claim it back on the basis I'd been taxed twice on the same income). 

There is no need to prove you are being taxed in another country to claim tax back from HMRC. You only need to show you are non-resident and should have done this with a P85 at the time you left https://www.gov.uk/government/publications/income-tax-leaving-the-uk-getting-your-tax-right-p85

Once you are not a resident of the UK, why would you be paying tax there? The statutory residence test is made specifically to address the issue of whether you are UK tax resident or not. If you have a source stating otherwise, I'd love to have a look.

On 9/26/2021 at 4:33 AM, Mike Teavee said:

I think it depends on the terms of the DTA (Double Taxation Agreement) in place between the 2 countries. 

 

In my 1st year working in Singapore I was working for a UK Bank & was taxed UK PAYE as normal but was also taxed in Singapore on the basis I'd spent > 186 days (might have been as low as 3 months) working there. 

 

Come Tax Return time my accountant claimed the tax back for me on the basis that I'd already been taxed on the income in Singapore (not sure if the fact I'd spent < 30 days in the UK came into it). The >£21,000 I got back more than covered the 12-13% tax I'd paid in Singapore ????  

 

OP, I doubt you'll get away with paying PAYE tax on your UK earnings but you should be able to claim this back if you can show that you've paid tax on the income in a country with a DTA with the UK, worse case (assuming there is a DTA in place) is you would get back any Tax paid in the 2nd country so would be net neutral

 

 

Thanks, this is a good example showing that even though you were working for a UK company, the income tax was not payable to HMRC because you became UK non-resident. I will become non-resident as soon as I leave UK and at that point not be taxable for the work I do. In practical terms this will be a matter of me claiming tax back at the end of the tax year in the same way that you did. 

I will not become tax resident in Thailand until I've been there half a year (180 or 183 days, cant recall right now) so my salary up until then will be tax free. I understand that I cannot legally work without a work permit but this seems to be overlooked by the Thai govt. as long as Thai jobs are not being taken and some of the income is being plowed back into the Thai economy, eg digital nomads.