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Posts posted by Gsxrnz
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Pantomime season is definitely upon us.
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They have dermatologists at BPH. I know somebody with psoriasis who consulted with them and he was reasonably impressed with their knowledge. He himself is a bit of an expert on his condition having had it much of his life and it can be quite severe, so he knows virtually everything about treating it.
I can't give you any specific names of the doctors but as I said, he was suitably impressed and compared their knowledge favorably to his dermatologist back home.
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It's a government guarantee of 1M Baht for bank accounts only.
Assuming they have to actually pay out the 1M Baht when a large bank crashes, the 1M Baht will probably have enough value to purchase a cup of coffee.
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Depending on your country, many banks now request information relating to your offshore tax status if they are aware of your non-residence in that home country. Of course the immigration and tax arms of your government exchange information, so they assume that if you're out of the country for too long, you are on a personal mission to defraud your government of their pound of flesh in some devious manner.
In NZ for example, I had to sign a declaration stating that I was (or was not) a resident for tax purposes in any other country and if so, advise them of my registered tax number/s with supporting doc's from the relevant country.
I strongly suspect this may be what your friend is experiencing. If he is a tax payer in Thailand then any official document with his tax number on it will probably suffice. If he's not a tax-payer I would have thought him simply declaring himself as such would be sufficient for his home country bank.
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This is what happens when you let inept bureaucrats drink too much coffee.
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I have an idea.
Isolate all children from any social contact and communal learning for at least 2 years. Lock them up and make them as scared and confused as you possibly can.
This will definitely lead to a generation of well balanced individuals.
Be prepared for the diagnosis of PCSD (post covid stress disorder) that will affect an entire generation of young adults and their anti-social behavior worldwide.
I used to think politicians and bureaucrats were just stupid. As I got older I changed my views and believed they were not only stupid, bit were also incompetent. It is now evident that as well as being stupid and incompetent, they are also malevolent.
The last thing we need is a stupid incompetent malevolent imbecile in charge of the madhouse, but internationally, that's what we have. I can't even listen to my PM (Commissar Jacinda Ardern) without feeling physically ill.
The rhetorical question "who put the patients in charge of the asylum" needs to be addressed. They should form an international committee of well informed government officials to look into it, but I suspect a partially trained gynecologist might do a better job.
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The OP should note that the problem is unique in the history of Thai websites.
Thai websites (especially government websites) are designed by indigenous experts, and they are the international leaders in the field. This is a well recognized worldwide fact. Companies such as Amazon, Google, Facebook etc. actually advertise for new IT development staff in the Thai media frequently because they are well aware of their expertise.
Loosely translated, the advertisements read "muppet needed to frig around with website. Not need experience, if you can unzip your flies and <deleted> without splashing your feet, you are qualified."
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Maybe the lemons were priced per unit and not by weight.
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You should have seen the look on the face of the Tesco cashier about 10 years ago when I first tried to "tap and go". I tapped and went - and she was quick to chase me down.
Priceless.
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Because all governments are currently drunk on power.
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3 hours ago, Robin said:
Puzzled, I pressed Chamrong for more details of tis loan.
It seem that he borrowed 1 MIl. with repayments over 30yrs., and this might be the problem.. Bank want him to reduce his repayment time.
I an only ask why on earth he bank would offer a loan with the repayment so long. Chamrong will be 77 when or if he repays the loan, surely past the life expectancy of a rural Thai male? No ban in UK would offer a loan with repayments to such an age. Has someone in bank been overgenerous and now getting cold feet?
I have been in Thailand long enough to know that many Thais have 'unrealistic' ides of their ability to repay loans, and I am sure the bank is well aware of this.
Now I know more facts, (I should have asked more before starting this post,) I want nothing more to do with this. I have learned not to ever lend money to a Thai, as they do not consider any reason to repay a 'rich farang'. Up to him and the bank. If they think they will get their money back, good luck to them
It's SOP for banks to monitor their lending portfolios and they are always well aware of their poor or non-performing loans. Loans in arrears are obviously loans to target for being at risk. But as things change in the economy (local/national/international) or change specifically for the debtor, banks can and do take action.
For example, maybe the particular bank has exceeded their required ratio of loans <20 years and have been asked by head office to fall into line - this entails motivating some customers to restructure their loans or repay and move on.
Banks also monitor customer activity. Maybe your friends debt servicing ability/ratio has been compromised in the eyes of the bank due to a changed income structure, or they fear that if interest rates rise by X% that his ability to repay may be an issue. The algorithms they use to examine their database can be quite clever.
Commercial entities usually have covenants that they must meet on a quarterly and/or annual basis to retain their loan or to have the interest rate maintained at a particular level. These covenants usually relate to equity ratios, loan servicing to income ratios, shareholder equity etc.
Usually the housing market is so stable (until of course it becomes unstable) that you never hear from your bank if you keep up the payments. But when banks start to examine their loan portfolios with a new set of risk parameters, that's when some customers on the edge of the bank's comfort zone get a bit of a shock.
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12 hours ago, bbko said:
A second vote for the place on Pattaya Tai and Khopai, I had to get a flat fix and while waiting walked around their shop, I gotta say it's packed with a lot of motorbike accessories.
A third vote from me. They are pretty well stocked on accessories.
I spent an enjoyable hour there once watching two of their dudes sitting at the front of the shop re-spoking some rims - it was poetry in motion to observe.
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10 hours ago, Neeranam said:
Rubbish. Only ones that have worked in a bar for years are good at pool.
In soi 4, Nana, many have been working in pool bars for 20 years+.
Um.....that was my point.
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Met mine upside-down on a pole. Her, not me.
Nobody I know met their wife in a bar.
Thai girls are just natural born pool players, have an inherent ability to chug 12 Tequila Rose's and not be fazed, play jackpot or connect-4 against a non-Thai and only lose if they want to, and say hello/where you from/where you stay etc in at least 5 languages.
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"Fluvoxamine is used to treat obsessive-compulsive disorder (OCD). It helps decrease persistent/unwanted thoughts (obsessions) and urges to perform repeated tasks (compulsions such as hand-washing, counting, checking) that interfere with daily living. Fluvoxamine is known as a selective serotonin reuptake inhibitor (SSRI). This medication works by helping to restore the balance of a certain natural substance (serotonin) in the brain."
When they recommend taking mind altering drugs to combat a disease that more than 99% of people survive, we truly are in the Brave New World of Aldous Huxley.
Soma anyone?
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3 minutes ago, mikebell said:Why are they practising on fake Germans? What do they know that we don't?
Possibly because Germans are notorious for not understanding how to correctly queue, wait their turn, push in, and (when speaking English) sound aggressive and self righteous.
There have been previous reports of Germans throwing a towel over their chair in the crowded departure lounge while they go looking for the swimming pool.
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This is fortuitous - I'm actually looking for an interior design company.
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44 minutes ago, johng said:
Barbaric talk about chopping hands off for stealing breakfast...how about some punishment for those greedy buggers who have caused the past and present financial disasters ?
Agree totally - the Rothschilds are definitely in the frame for this.
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20 hours ago, jobsworth said:
Alcohol was not invented. It was discovered. As a fruit falls from a tree if it is not consumed it will be infected by yeast which contains an enzyme that converts sugar into alcohol and carbon dioxide. It is a completely natural process and it is hard to understand what the fuss is all about,
That's what happens when humor is over analyzed.
Looking forward to the thread on the political correctness (or otherwise) of blonde jokes. The mantra being that not only are they sexist and misogynistic, but also racist and exclusive towards non-blondes, both caucasian and non-caucasian.
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This is all going the way of the gender debate. They need to confuse and scare you with alphabet soup acronyms.
They've concluded the original idea to use the Greek alphabet for variations on the disease was (arguably) too easy to understand.
So now it's off to the races and the 33rd variation in 2024 will be described as the Covid-19/++/Sars-delta-foxtrot-oscar 2 variation, with a half-twist and a full pike.
Bureaucrats, the second most deadliest word in the English language after Equity.
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I'm an ex-banker back in Farangland. Every loan contract I was ever party to gave the bank essentially unlimited powers to reclaim their loan for any reason they so desired. They don't usually do this because they're in the business of lending money - in fact they don't really want their customers en masse to repay the money because then they have to find somebody else to lend it to.
The 20 page contracts all look legit with all the bank's and borrowers obligations and rights clearly outlined and enshrined in stipulated laws and statutes.
But buried in the fine print there is always the clause that in layman's terms states that if certain conditions arise the bank can, regardless of all/any terms of the contract, claim their money back and/or seize the property at their whim. The clincher is that the "certain conditions" are always vaguely described and the contract allows the bank to decide at their sole discretion what those conditions are and if/when the conditions are met. Bit of a Joseph Heller "Catch -22" situation.
The borrower may be able to seek satisfaction from an onbudsman or similar, or initiate legal action. And in the West there is always a consumer protection organisation that may be willing to fight for you.
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1 hour ago, NemoH said:I thought it was prostitution as no start up cost ..????
Prostitution was a discovery. Beer was an invention. Q.E.D. ????
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Man's first invention was alcohol.
Just sayin'.
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6 hours ago, The Hammer2021 said:
But how do you know they don't just use the same downtown workshops as all the other tailors?
I don't care if they use semi-blind one-armed dwarfs from Nicaragua. The quality of the products I purchased was immaculate. I attended a wedding in Sydney and the bride was miffed that the tailoring of my suit was better than that of the groom and best man, and they paid stupid money for the suits.
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Hua Hin reopening: Uncertainty over how many tourists will actually visit
in Hua Hin and Cha-Am News
Posted
A one armed tallyman could count the arrivals on his one hand and he wouldn't run out of fingers.