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hotandsticky

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Everything posted by hotandsticky

  1. Short answer "no". The instant access savings has limited use. I am not sure what your concern is. I may have failed to join up the dots here but I thought that you were going back to the UK for 6 months (to sell the rental house?). Having a UK address is the most important thing and will probably keep you under the 'expat exclusion' radar. Nationwide, IMO, are less likely to proactive action like Barclays are doing. If you have family in the UK, use their address as your correspondence address - if you are visiting the UK for a lengthy period that is the ideal time to get the address changed. I like WISE as a back up. They are ideal for transferring money to and holding funds for a short time.
  2. There is a difference between being UK resident for tax purposes and what the banks may view as being resident. Recently, Nationwide introduced an excellent Saver account paying 8%...part of the requirements for opining that account was that you had to be a "UK resident for tax purposes". Barclays (when closing accounts) focused on domicile and stated “Our Barclays UK products are designed for customers within the UK. We will no longer be offering personal current or savings accounts to retail customers with addresses registered with us outside of the United Kingdom". WHAT IS A NON-RESIDENT? As regards UK tax, a “non-resident” is someone who does not live permanently in the UK but who earns taxable UK income. This includes many UK expats, of course, with many earning income from UK rental property and other UK sources. Non-residents only pay UK tax on their UK income, not on income from another country (although tax may be payable in that tax jurisdiction). HMRC RESIDENCY/NON-RESIDENCY TESTS The total days you spend in the UK within a tax year (ie 6 April to 5 April) determines your tax status as either a UK resident or non-resident for tax purposes. You’ll automatically be considered non-resident if: you spend less than 16 days in the UK in a tax year (or 46 days if you have not been classed UK resident for the three previous tax years) or you work abroad full-time (ie at least 35 hours in an average week) and were in the UK for less than 91 days and no more than 30 of these were spent working in the UK. You’ll automatically be considered UK resident if: you spent 183 or more days in the UK in the tax year or your only home was in the UK and it was available to you for at least 91 days in the tax year and you lived there for at least 30 days or you worked full-time in the UK for 365 days and at least one of these days fell within the specific tax year. You may also be considered resident under HMRC’s “ties test” if you spent time in the UK and have additional links such as work or family here. Top tip! To find out whether you were a UK resident or not in any tax year from 6 April 2016, you can use HMRC’s online residence status checker. Government website GOV.uk provides details about the government’s Statutory Residence Test, which further explains many of the above points.
  3. 6 months, 9,000 posts. Now, THAT is a sad git!
  4. That must be home made then.......not one of the regular concoctions. I thought you meant a proper pie:-
  5. Just pies..... No filling. no brand, fruit pies, savoury pies, pork pies..........or one of each?
  6. Edge of Darkness Peaky Blinders The English Game In the Comedy stakes:- Only Fools and Horses The Two Ronnies Fawlty Towers
  7. What must be a bigger waste of time is reading, and posting on, an internet forum thread that you have no interest in.
  8. Hookers are everywhere. Pattaya is all things to all men. Some can't handle it and are the first to decry it.. Use what you want, from what Pattaya has to offer - don't let Pattaya use you.
  9. Totally wrong You can't do border bounces like you can in Thailand. The moment that a Border Control officer believes that the visa holder is spending more time in the UK, than Thailand, you are stuffed .
  10. You suggested in your post that you had assets - and were concerned "About assets , I can't take steps to ensure where they go." Now you say that you don't want to leave anything - so what is your issue should you not encounter a slow death?
  11. Hmmm, fair sentiment but I doubt that the OPs motive was to make people think. If he can't cope in a working life without producing this bu11sh!t, he ain't gonna stand a chance when he gets to retirement. Fact is, none of us are going to get out of this adventure alive - so make the most of the journey, and whatever you have left.
  12. You don't swap anything. The visa remains valid in the old cancelled passport and is carried to evidence visa status. The new passport will receive immigration stamps for entry/exit.
  13. Went 2 or 3 times about 10/12 years ago. I quite liked the feel of Pakse and I liked the French colonial feel of the old Champasak Grand (I think, stayed Champasak Palace on a later visit). Nothing special about the town and it did dingy areas (then so do several places in Cambodia). As I said, we found enough to do for 3 days by traveling around the area.
  14. To be fair..........................I can't really give you all my life history (or at least where Ubon girls are concerned) in one post about Pakse! ????????
  15. Stop jumping to conclusions without having all the facts - it can make you look stupid. My experience of Ubon girls is not in Ubon; they don't all live there you know......
  16. I found enough to do on a 3 day stay. ....including a temple visit, lunch on the river, a visit to an ethnic village and the Bolaven Plateau.
  17. I don't know Ubon, I only stayed there one night en route. My knowledge of Ubon girls is that they are prettier than girls in Pakse (although there were a couple of Vietnamese...........)
  18. I quite liked Pakse - and in easy striking distance of Ubon.
  19. I don't understand your last comment. I can't think of many situations where the owner of assets cannot control where they go.
  20. Thanks for the heads up. Just to clarify, are we talking about Prasat, Surin? - Presumably, t going south to north - towards Surin?

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