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Sheryl

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Everything posted by Sheryl

  1. There is no place on a Thai tax return for "proving" this. Nor for declaring non-assessable income. Only assessable income is to be declared. (There are ways to show a tax credit for taxes already paid in your home country, but that is a different matter) By law you do not need to file unless you have Assessable income above 120,000 baht a year. And under law, there are no penalties to failing to file if no tax was owed.
  2. You do not want a Thai based insurer, very bad record for actually paying out, and few will issue a new policy at your age. The few who do, have blanket exclusions for many of the common problems associated with aging. And, they will raise your rates on an individual basis after every large claim, something international companies are nto allowed to do. Also, rates at older ages exceed those of international policies.
  3. First of all, rates increase in 5 year age brackets so if you just experienced a big increase, you likely won't again for another 5 years.(A big increase I mean, there may be smaller increases for inflation). It counds like you have Cigna Close Care which is already their least expensive policy. But you can certainly further decrease your premium by upping the deductible and/or adding a copay option. Go on to their website and play around with options (warning: do not put your real phone number and email address, you will inundated with calls fro sales agents). Note that the copay options all have a cap as to how much in a year you can possibly be out of pocket. You can also save 10% by paying annually instead of monthly, if able to do so. The problem with relying on return to the UK is that in an emergency you may not be stable enough to travel. (And, as we saw during COVID, other unexpected things can make travel impossible for prolonged periods of time). Additionally, in a non-emergency there may be issues about getting access to NHS unless you have maintained a UK address registration with a GP there. Otherwise may have to prove an intention to permanently return to get free NHS care. As for planning to just use government hospitals, even they can yield bills well over 1 million baht per hospitalization if it is something really major and/or specialized. If you cannot afford a higher deductible and copay then unfortunately you also cannot afford to be uninsured. In which case might need to reconsider saying in Thailand, sorry to say. I'd start by figuring out what the absolute maximum you could possibly pay out of pocket for a serious hospitalization is, them play around with deductible and copay options to see what it does to your premiums.
  4. Sheryl

    CPAP

    More threads on this than I can begin to count go to https://www.google.com/search?client=firefox-b-d&q=site%3Aaseannow.com+CPAP
  5. Avaialbilty on Lazada or Shoppee fluctuate. Note just for melatonin but for all "supplements" sourced form abroad. Does not necessarily reflect any new policy or rule. You can always get it from iHerb, reliable and fast. (i.e. about 10 days for delivery) https://www.iherb.com/
  6. There are many online tax experts saying this in varying ways. Even for people with clealry assessable income (e.g. people employed in Thailand) , they are nto required to file if it is below the threshold for paying taxes https://taxsummaries.pwc.com/thailand/individual/tax-administration There is not a single place where the RD states that every tax resident must file a tax return regardless of whether they have asessable income/owe taxes. By contrast the RD states (English translation) "You have to file a return on the income that you received if you meet one of the following conditions: (1) Your total income exceeded 120,000 baht in the tax year. (2) You were married and your income combined with that of your spouse exceeded 220,000 baht in the tax year." https://www.rd.go.th/fileadmin/download/english_form/030265guide91.pdf This is understood to mean assessable income. I addition, penalties under the RD code all refer to failure to declare assessable income or pay taxes, nowhere is there a penalty for failing to file when no tax was due. Anywhere in the world, absence of a law against = not illegal. It is not the case that there must be a law or regulation for everything that is legal to do, it works in the opposite.
  7. Not so. It is up to the payee to decide whether to have tax withheld ..and if so, how much (there is a form for this). Some people chose to have tax withheld from each check, , some do not. Of course, if one does not have anything withheld and ends up owing tax, there can be a late payment penalty unless one made estimated tax payments during the year. Many people whose sole income is SS end up owing not tax, hence many opt to have no withholding. Some also opt to have no tax withheld for other reasons. For example, until recently I had self-employment income (work done abroad, not in Thailand) so had to make estimated tax payments anyhow, so I opted to have no witholding on either my SS or my (small) government pension.
  8. It is without question, very clearly, taxable only in the US. (And needs no expertise to see that, just read sections 20 and 21 of the DTA). If the only income coming into Thailand is from SS, there is 0 assessable income...and therefore no need to file a tax return or pay tax in Thailand. (You may, of course, need to pay tax on it in the US, depending on overall income).
  9. Correct assuming the income is not Thai-sourced.
  10. Am I correct in assuming that where it says "if your income does not exceed 120,000 baht per year, you do not need to file a tax return" it really means if your assessable income income does not exceed..." ?
  11. For this particular items, southeast Pharmacy which is on Sukhumvit between Sois 13 and 15 would be fine.
  12. It clearly states the Voluntary category is limited to Thai nationals. (Not to be confused weith ocntinued insurance by someone after leaving employment)
  13. Are you sure that is Hemodialysis and not Peritoneal Dialysis? In Thailand they mostly do Peritoneal Dialysis. Hemodialysis eligibility is very limited and only a few places do hemodialysis; it needs special and expensive equipment and facilities.
  14. They call to make sure you will be home, to save themselves time. These delivery people make small salaries and work long hours, and are often expected to make an unreasonable number of deliveries in a day. They need to maximum efficiency. Unless he specifically asked where you are located, no reason to think the call had anything to do with funding the address. The local delivery guys in my area all know exactly where I am but still call to make sure I'm there/alert me that they are coming. I use that opportunity to verify the amount due so I have it ready. This advance notice also lets me know when i need to get dressed or put a robe on as they often come in the morning. I prefer it to an unannounced arrival. Most tourists do nto order delivery ,and most people getting deliveries are Thai. There is no reason on earth why these staff should speak English. Anyone staying here long enough to be using delivery services should learn at least basic every day Thai, and most importantly how to give directions in Thai to where they are. Could be important in an emergency.
  15. I am able to find unsweetened fruit juices at main supermarkets without much difficulty. Just need to read the labels. Several of the Doi Kham brand juices are unsweetened (and very tasty). Even Mali brand has an unsweetened apple juice.
  16. If OP is not diabetic, no reason to avoid fruit juice. Not all fruit juices are high in sugar. Unsweetened apple juice for example is not - Glycemic index only 41.
  17. Again - he was nto talking about electrical grounding. OP was looking for a stick to aid in walking in soft ground. A wooden stick was suggested as preferrable to metal in that instance since it will be able to sink a bit into the ground.
  18. He has already recovered from dengue. He is talking about the post-dengue fatigue. And no suggestion that, when ill, his platlets every dropped significantly. This whole papaya leaf business stems from an anecdotal report of just 45 patients with acute dengue (not people like the OP who are convalescing). It had no control group, so does not remotely meet scientific standards. It nonetheless keeps cropping up because of how search engines work: people convinced there is a "natural" cure for everything google "natural treatment for dengue"(or words to that effect), this pops up because it is all there is, they click on it, and it then keeps popping up in similar searches etc. etc. Simple dengue is a self-limiting disease which naturally gets better with time. Easy for people to attribute the natural resolution with something they did.
  19. That is correct. It is also the case that there were legal proceedings against him (though a civil lawsuit, not a criminal prosecution - the latter was not possible due to the Statute of Limitations) which included presentation of evidence that these things took place, and he opted to settle it with a large cash payment rather than contest it. So not exactly the case that he did not have his day in court.
  20. The US- Thai Taxation treaty very explicitly states that SS is taxable only in the US. Full stop. "ARTICLE 20 Pensions and Social Security Payments 1. Subject to the provisions of paragraph 2 of Article 21 (Government Service), pensions and othersimilar remuneration paid to a resident of a Contracting State in consideration of past employment shallbe taxable only in that State. 2. Notwithstanding the provisions of paragraph 1, social security benefits and other similar public pensions paid by a Contracting State to a resident of the other Contracting State or a citizen of the United States shall be taxable only in the first-mentioned State." (emphasis mine) (paragraph 2 pf Article 21 refers to the case where a person is a citizen of the country.) Taxable only in the US means Thailand cannot tax it, period. Even if - as happens to many people whose sole income is SS -- no taxes were due in the US.
  21. Well the dizziness mystery is resolved then: - Energy drinks can cause dizziness...and even cardiac arrythmias. I'd steer clear of them. - Fermented teas, like all teas, contain caffeine which are OK in moderation, but too much can likewise cause the above. Limit that to just a cup or two in the morning. For hydration, stick to water, coconut water, fruit juices. If sweating a lot then rehydration salts in water, otherwise just water, or fruit juices or both, are enough. There is nothing you can take that will help the dengue fatigue. Just be patient, rest when you need to, and give it time.
  22. People sometimes confuse "cannot be cured" with "fatal". Not the same thing. There are many diseases that are chrionic and cannot be completely cured, but can be controlled or managed.
  23. Yes, the after effects are very, very prolonged, much longer than the acute illness. Can atke several months with improvement coming very gradually. In case no one warned you, in addition to being very weak and easily fatigued, a normal after effect is emotional depression, which can be severe and also take an out-of-character form (I remember bursting into tears over a cartoon in the New Yorker magazine...I normally never cry). Sometimes people think they are going crazy. It is normal, and it will pass. Regarding the dizziness, are you keeping well hydrated?
  24. No, do not take it every other day. It works as a preventive, to prevent problems by keeping the breathing tubes open. Regarding dosage, it varies with the form of Spiriva. 2.5 mcg is the usual dose for Spiriva Respimat (2 puffs) whereas 18 mcg (one capsule) is the usual dose for Spiriva HandiHaler which is presumably what you were given. There is no harm in using an eye massager provided you have no eye disease. It will not cause or make you more susciptible to glaucoma. But do get a proper eye exam including test of intraocular pressure every year as mentioned.
  25. However to my reading of the UK DTA, both State Pensions and private pensions can be taxed in the country of residence (i.e. Thailand). It is only government pensions that are clearly exempt from taxation in Thailand. Which I'm told means things like armed forces pension.
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