outofafrica

3 hours ago, Elkski said:

So if a Thai gal considers the financial picture it is expected and your told your a stupid bloke if you don't know this.  But if a farang wants to consider these things the response is doesn't love come first?  One good point was made that health care coverage can make one country more attractive over the other.   Other threads berate guys who don't factor in health care in their retirement plans.   Look at what's happening in USA.  How do we predict the future costs?   It's sad no political will is attacking the industry to encourage less profit taking by big pharma and hospitals, insurance companies.   In USA hospitals are building mini med centers everywhere.  Look at all the rite aids and CVS pharmacies in every neighborhood.   Guy said pharmacy is 90% of the stores business.    I pay 6-7 k USD noway 56 for coverage.  What will it be in 20 years?   If I moved to Thailand and had health care semi covered via a wife hmmm.   Let's see 10 k/ est for 35 years. I plan to die at 92, broke,  naked in bed after a fun night.  That's 350 k saved.  That could easily equate to 5-8 years earlier retirement age feasibility.   Not important you say.     

 

I also thought to add that this caliper of woman can get a 10 yr 6 months tourist visa to USA. All by themselves. Means they can see your home country without much hassle or marriage, or fiancee visa. 

Good on you mate. So that is why i'm doing all these investigations to find out which way to go. I want to make sure that i'm covered if ever i settle in Thailand. If one run's away from your country because of your criminal doings then obviously you don't consider that at all.

1 hour ago, wildewillie89 said:

Some figures for you....Although some workplaces probably differ slightly.

 

The law has been changed for the last decade now to a 400,000 baht maximum payout (plus pension). The formula for the payout is the retired salary x 15. However, it cant go above the maximum 400,000 baht (the maximum is what changed). Obviously many officials who pass the test late wont have the years experience or maybe dont move up, so salaries wont be that high so maybe will get 200,000 payout. Others like my wife should have got 612,000 but the law changed to a maximum of 400,000 baht. 

 

IF we are talking the big payouts (million baht) then that kind of uses a superannuation type fund as well. So each month a percentage will be taken out of your salary and you will get it in a big lump when you retire (i know the army do that, tessabans do not i dont think, Im not sure about other jobs like teachers, nurses etc). However, you can do private super type scenarios obviously anyway (my wife is set to receive 500,000 from her private fund), Most officials have some short term and long term funds going for injection of funds.

 

In terms of what the pension will be. The formula is last salary x years of experience divide by 50. So say my wife retires at 60 and her last salary is 60,000 (example).....it will be 60,0000x34/50....so her pension every month will be 40,800 baht until she dies. 

 

An added benefit is when the official dies, the children get money. That formula is retired salary x 30, So if we stay with only one child now and my wife's pension is 40,800 when she dies, our daughter will receive 1,224,000. However, you must subtract whatever your large sum was (400,000 in her case). So it will be 824,000 baht our daughter will receive. 

 

That is why the test is extremely hard to pass (many only pass it in their 30s after years of trying). Luckily my wife passed first go when she was 25 and doing her Masters whilst working as an employee to get some field knowledge before sitting the test. The government protect their own and protect their own families when they die. It seems the talk is now they are wanting to decrease the positions available now also as they want to keep the % of government officials vs population low....you can see why the private sector want to move over to the government sector after working a few years. As if they dont invest wisely they are in trouble later on in life. 

 

 

William

40

 

 

William looking at your name are you from Africa?

27 minutes ago, wildewillie89 said:

Of course, initially it is about whether you like someone (I didn't understand the benefits before deciding to move - as in my country government or non government have the same benefits).

 

However, discussing benefits will help you decide if your wife moves to your country or you to move Thailand. I certainly wouldn't have moved to Thailand if my wife was not an official, whether she was educated or not. Likewise, she would probably want to move somewhere that gave her free health if she wasn't already getting it here. 

 

However, many people do marry for languages other than love, like some people marry for money, some for prestige, some for looks, some for benefits etc.

Don't waist you time on this idiot !!!

4 hours ago, GuiseppeD said:

This thread isn't quite right.  Shouldn't the question be about whether you like the girl?  Or am I missing something?

 

My wife is a graduate but not from a rich family.  We're settled in the UK, married for seven years and my wife is a British citizen.  That she's a graduate doesn't matter either, we are suited. 

 

Something very shallow about the OP's question.

Mate, i think you should pull your neck in!!!! This forum is full of dickheads like you .I have reasons why i ask this and it is got F**** a** to do with you.If you looking for a argument i suggest  you front up to a person face to face,instead of using a forum.

17 hours ago, whiteman said:

Most public servants are on low wagers and are only there for there so called small pensions that they get at the end as long as they bend over and take it for there bosses for 30 years.

 

A lot not all have debts that they paid to get there positions.

Thanks for all the positive inputs as for you Whiteman ,i think you should go back where you came from and ask them for a refund on your education bill!!!

Can anyone tell me if there are any benefits in marrying a Thai lady working as a Public Servant?

Don't send him back we have enough of them here to deal with .Send him to England where he originated from.

E bay is the best and cheapest for sunnies.I bought some interchangeable ones Oakleys and they great.

Thanks for the info

"so you are emigrating to Thailand, not immigrating"

You must be English !!!

Beetlejuice,Thanks for the information

So if i posted it in a wrong section can somebody please move it as i'm new and don't spend my time on these forums as some clever dick's do.

I need some information regarding what i can bring into Thailand if i enter with a retirement visa or if i marry a thai lady and after staying two years in Australia return to Thailand.

Thanks for your input