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KhunHeineken
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Anyone reccomend a decent / legit antivurus program?
KhunHeineken replied to Kenny202's topic in IT and Computers
I disagree. Death, taxes, and computer viruses are certainties in life. No program is perfect. We have seen how the Chinese and Russians breach the security of major organizations, some of them military, all around the world. Trend Micro also offers other features, such as locating a lost / stolen device. Yes, I know Google offer this also. They offer a password manager and some other things. You get a monthly report on attacks blocked etc. I am not criticizing those who use MS Defender. I just like to give the task to a third party to minimize reliance on Microsoft for everything. If it was expensive I would most likely reconsider, but it's quite affordable. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
So you don't think the proposed changes will be passed. -
I'm one of these members. If it's so easy to "gift" money in order to avoid tax, they will either lower the limits significantly, or tax all "gifting" in the future. Wealthy individuals like Thaksin will need more complex corporate structures to avoid the tax, which I am sure his team of tax lawyers can create for him, but for everyone else, I can't see them allowing "gifting" to remain in place the way it is now. which pretty much negates the taxing of remitted funds, so I can see changes to "gifting" in the future. Time will tell.
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Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Is English your first language? You still don't think it will happen then. We'll see. -
Yes. Why would you bother leaving 800k baht in a Thai bank for a retirement visa / extension when you are staying just less than 6 months here a year? 3 months in - 3 months out - 3 months in - 3 months out shouldn't cause any problems with immigration. The 800k baht invested elsewhere, at a better rate, will pay for the travel costs.
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2c2p Payment Gateway Issues
KhunHeineken replied to JWNZ's topic in Jobs, Economy, Banking, Business, Investments
I had a similar problem a couple of years ago. The first and obvious question, do you have a few bars of service? Is it an Australian phone number that the SMS should be sent to? If so, send your Aussie number a SMS from your Thai phone. Use +61 and leave out the "0" (zero) on your Aussie number. If an Aussie number, did you switch on roaming? If no texts are coming through, it may be the APN settings in the phone. I had to ring my telco back in Australia and they reset things at their end and it still didn't work. I then spoke to someone in the tech section and added the latest / correct APN settings, restarted the phone, and I could start receiving SMS's whilst roaming in Thailand. One of the above may be your problem. Sorry. Just read your post again and see that texts are coming through. Sometimes I get a text a couple of hours later. It could be network congestion in the sending country or Thailand. -
Australian Aged Pension
KhunHeineken replied to VOICEOVER's topic in Australia & Oceania Topics and Events
Why would it mention "overseas pensioners?" As the proposed changes stand, it would only mention residents and non residents for tax purposes. It about the money, not the person. -
My thinking is the same as some other members, and that is, if "gifting" if going to be such an easy way for the masses to avoid paying tax, the Thai government will change the laws. That said, I would think at a minimum, and I agree with you 100%, the Thai missus is going to need an offshore bank account at some stage, even if it's a Cambodian bank account, which is just next door, for any chance of either "gifting" or "splitting" tax liability as a possibility in the future.
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Anyone reccomend a decent / legit antivurus program?
KhunHeineken replied to Kenny202's topic in IT and Computers
Interesting post. So, when Microsoft release an update that screws millions of people's devices up all around the world, what makes you think their antivirus defender doesn't miss something that causes the same to happen to people's devices? -
An expat collapses with a stroke. He is rushed to hospital. They run some tests and tell the expat he needs a major operation urgently, or he could die. The cost of the operation is upwards of 500k Thai baht. The expat gets on his phone and immediately transfers 500k from a bank account in his home country to his bank account in Thailand. He then pulls out his Thai bank visa card and pays for the operation. He has the operation and recovers. At the end of the tax year, has the 500k transfer for urgent medical treatment attracted tax as remitted funds? If it has, the operation has costed more, has it not?
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The point I was making was, if the premiums are paid from a Thai bank account, then those funds are remitted. Health insurance is quite expensive, so perhaps a way of remitting less, therefore paying less tax, may be to pay Cigna, or any other insurance company, from your home country bank account. A small tax reduction strategy.
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Wouldn't you agree that my example, and your reply, is the situation of thousands of expats across Thailand? This would mean, "gifting" is not an option for them. Section 37 of the Thai Revenue Code. https://www.rd.go.th/english/37746.html#:~:text=Section 37 Bis Any person,exceeding 1 year or both. "Section 37 Bis Any person intentionally fails to file tax returns prescribed under this Title in order to evade or in an attempt to evade tax, shall be subject to a fine not exceeding 200,000 Baht or an imprisonment for a term not exceeding 1 year or both." Pretty scary, Mike, but as you say, the law applies equally. I'm surprised you allowed yourself to post it.
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Not entirely true. The criminal laws apply equally, but I can't own land here in my name, can you? I'm simply saying the permission to live here, as opposed to the right to live here, is always held over foreigners. Thailand does not offer a reasonable pathway to permanent residency and citizenship. The Thai government says jump to foreigners, and we ask how high, or leave. In my opinion this policy is an absolute mess, but you watch them turn a baht out of foreigners regardless.
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Interesting comment. Got me thinking, say an expat needed emergency medical treatment, possibly a life saving operation. That would require the immediate remittance of a large sum of money, and possibly further transfers for ongoing recovery or treatment. Of course, at such a time, money is the least of your worries, but that medical treatment or operation has now costed a lot more due to the remittance tax the transfer/s has attracted.