4MyEgo

Buddha help Thailand to keep these mongrels away from leading this country.

Please don't confuse trust and love, they are too separate matters as far as I am concerned. I trust my wife, however I choose to have my finances separate, which also suits her. To explain that better to you, when we 1st moved here, I asked her where would be a good place to invest my money (I was baiting her), her reply was what I expected, i.e. leave your money in your country, it's safer there and you know how to invest your money, so don't bring it here, it's too corrupt. She has had a great life in the years she has been married to me, better than she ever would have been able to manage on her own, that said, I love my wife and I trust my wife, but I trust NO ONE with my finances, seen too many lads go down the path of trust and lose it all. That is why I say that trust and love are two separate things. I don't wear my finances (heart) on my sleeve, that is how people end up going down because they have exposed themselves to the possibility. The above said, it would be different if we were both working and both had joint incomes, but that is not the case here, she has made millions by just being with me, e.g. I paid for a big house built on land that I also purchased for her, car purchased outright in her name by me, motorcycle same, furniture same, holidays, domestic and international all paid for by me. What do I get in return, love, as she does, trust is a different kettle of fish and if you think otherwise, then that is your prerogative, and on that note I will conclude, I do trust my wife, but trust NO ONE with my finances, why should I, after all, it took me decades to accumulate over a lot of blood sweat and tears. All of the above said, if things ever went south, I would head north with what I have financially and she would keep the house, car, motorbike, furniture, kids and the memories, now that for me is my security that I will not end up like others here and elsewhere have. I call this being street wise, but hey, each to their own, if it works for you, then it works for you, and yes I do sleep well at night, as she does, as she knows that there is a life insurance policy in her name if anything happens to me and a will. I do trust she won't nik me before my expiry date though ???? Let's not forget, everything is good, until it's not, remember that and have a plan B. Nothing negative about what I am posting, just looked at it from all angles and it suits us both, after all, if it didn't suit here, I am sure she wouldn't be here ????

Um, did you just here what you said ? His wife stole from him, to forgive her, is one thing, to support her is another, but then again, at age 75 and being all in, he has no choice, does he. Another careless farang IMO who "trusts" his wife with allowing her access to his finances. I love my wife of 16 + years, I trust my wife of 16 + years, but I would NEVER allow her access to my funds, until my death, why give anyone the opportunity to take what I worked for, for many decades, it's hers when I'm dead, if she decides to p-i-s-s it up the wall when I'm dead and cremated, then up to her. It is not only women that cannot be trusted with your finances, it's everyone, being irresponsible leads people to these situations unfortunately.

There is nothing better than being debt free and having funds in the bank, but that takes a lot of control. 1, No credit cards 2, Pay off your mortgage as quick as you can while still enjoying your life with 2 jobs ???? 3. Invest in both real estate and the stock market long term Reach a reasonable retirement age of say 55, then live, that or remain a slave to the banks and government tax collectors, i.e. unless your fortunate enough to receive an inheritance.

My estimated monthly budget when I came here in 2015 doubled + 20% in the 8 years I have lived here, although I do try to keep a lid on it to around 60,000 baht per month, with a wife and kids, including domestic holidays and eating good quality home cooked mostly imported foods. It is still far cheaper than back home believe it or not. In other words everything, and I mean everything costs me about 2,500 baht per day for wife and kids, no mortgage, no car repayments or health insurances. Some might say that's not cheap, but like I said, we eat good quality imported foods, use good oils and drink moderately, that said, I would hazard a guess it would be more than double the above back in the old country from what friends have been tell me.

Even the good girls.....lol From my vast experience with women, not talking about putting them to bed, but "good girls" only exist in Hollywood movies. What I mean to say is if you find one with some good qualities, then your half way there. Keep your money separate, don't spoil them, be a man, do not put up with jealousy, i.e. seek them out early, in other words have a look at another girl and say, wow she's pretty and see what their response is, if it's the old jealousy card, move on quickly, because to me a good girl should be secure about herself, suffice to say you don't want the ones with baggage. Just enjoy yourself, tell them up front what your feeling, they will appreciate you for your honestly, never sweep anything under the carpet, be yourself, being in a relationship doesn't mean you have to become someone else, that said, woman are an abundance, especially here, and you can be yourself here more so than in the west, e.g. most women here need a fella. Remember to take your Zink ????

Why even bother, this is what any woman, if attracted to you would expect, i.e. dessert. Sounds like you should if your not looking for a girlfriend. I can't believe what I am reading, are you gay, it isn't called using the women for sex if your both up for it, that said, if a woman has accompanied you back to your place, it is more than likely that she is up for it. What a let down for the girls !!! Sounds to me that your living in a fantasy world, you should stop dating women, because all your doing is teasing them in my opinion. What did you expect ?

Dad was European, so from the looks of things I can say I did take from his hanhom genes so to speak, but I don't look like him, now that would be scary. He started balding early 50's while I still have good hair into my 60's. I swore that I wouldn't go down his path, i.e. alcoholism, although I do like to drink in moderation. Women on the side as he did, occasionally without a doubt, yes, I'm only human ???? He was unemployed at 55 after being dismissed for never being around at work, mainly at the pub during working hours or smelling of alcohol when at work. He received unemployment benefits till he reached the old pension age and then lived off of that for a few more year, no assets, pitiful existence in my opinion after raising, 4 kids, if you could call it that. I retired at 55, with enough to last me till I'm 101 and raising 5 kids, the latter not easy, but taught them the important stuff, right from wrong, etc, etc, but a totally different generation with different outlook of life, that said it does help when you have your finances in place to enjoy your life in your retirement years. As for the kids, well, no hand outs, they have to work as I did, save as I did, invest as I did, and when I'm gone, well, mum can sort it out with them, but she's pretty much like me, no spoiling them, got to learn to work to survive.

What is the full form of FC account? An account maintained in a foreign bank in the currency of the country in which the bank is located. When such accounts are kept, they usually represent that portion of the carrying bank´s foreign currency account that is in excess of its contractual requirements. It's basically a Foreign Currency account.

Perhaps you can enlighten us as to his "other choices".

Thx for that, I will check out what my bank is offering overseas, if there is no annual fee, I might apply for one.

Utter disgrace, Thailand is going to the dogs.

Read what you wrote....

Same here. We will all have to adapt. Read Blackcab's comments above.

Off the topic, but I am thinking of getting a credit card. Are there any requirements ? I have a bank account with my bank and could also show them funds in my overseas account. Just thinking to get one if booking plane tickets in the future as AirAsia cancelled a flight I was going to get on to connect with my other flight and they said they would put me on the next flight, I declined and they said would refund me, that was 9 months ago, suffice to say I believe if I have a credit card the bank could sort it ? Also is there an annual fee ? You can PM me if you like as I mentioned it is off topic.

You don't need facial recognition with SCB or other banks unless you are transferring out of your account amounts over 50,000K. As I don't, I won't be sucked into using facial recognition. Also in case you didn't know as of the 14th, tomorrow, online banking with SCB will be shut down, so you will have to reschedule any payments through the app. SCB Easy Net will no longer be available, it's the app only, so all should have been advised of that. Read above, I just answered his question +

While eating chocolate and having ice-cream while drinking alcohol. Some might call that multi-tasking.

They do their calculations, i.e. how many people would want to get off after xyz months, doubt someone would last a year, i.e. unless they are accustomed to being on ships, meaning having worked on them for years. The odds are not the only thing stacked against you, so would be losing your money if you got off earlier than the 3 years, in other words, read the fine print. Intending passenger: Here's my $90,000 up front for the 3 years rent. Passenger after 3 months, I want to get off. Crew: Sure thing. Passenger: W-T-F do you mean I can't get a refund on the balance of the $90,000 that I paid up for 3 years. Crew: Read the fine print

Love chocolates, so enjoyable, remind me of life, all that free air

I learnt long ago that there is always two sides to a story. Now do we honestly thing that the cops would waste their time to arrest him for 2 ecstasy tablets, I would think the other side of the story is that he insulted the police, now that could be by his foul mouth or spitting on them. The above said, I don't know the other side of the story, but I got a rough idea. His dad must be real proud of him. His story could be true, but you have to weigh it all up.

Yes, these days you don't know who's liking, disliking your posts, which is unfortunate, sort of a dark web now on ASEANNOW which makes me want to contribute lessor.

I haven't had any negative reviews to give in all of these years except for one hotel. It went something like this, couldn't sleep all night as the toilet smell from the downstairs lobby all the way to the bedroom was so strong. The kids ended up being bitten by bed bugs. Nice hotel, but due to the above we won't be staying again, as for the return part of our journey paid for room, that's on me as I will drive the extra 5 hours to get home also without the above. Nothing negative to state about the hotel, just stating what transpired during our stay ????

Only had to show a residence certificate once, after obtaining the yellow book, never need another residence certificate. I dare say that it depends on the office, as in most government offices, they all appear to have their own rules, in other words, the left hand doesn't know what the right hand is doing.

I don't agree that you are looking at it from an unusual prospective, and agree, insurance is gambling, however most reparable insurers will pay the claim providing you are not breaching the agreement in any way or form. When I came to Thailand, no insurer would include my pre-existing condition that I had, which has never caused me an issue since I first had it in 2008 so I self insured for 2 years. A broker found me an insurer that would cover it for a separate premium amount which covered that pre-existing condition, but not before they received all the paper trails that I had from my Dr and Specialist, including all the blood tests that I had annually, meaning I had a good clean file on every visit etc. My premium started off at 70,000 baht per annum from age 57 and went up every year, by the 4th year it reached 150,000 baht age 61 (new bracket), when I queried the big jump in the 4th year, e.g. from 110,000 baht to 150,000 baht, I was told it was because the insurer changed underwriters. I am now 63 and have self insured for the past 2 years, I put aside 250,000 baht for myself and another 100,000 baht for the family, which was also increasing every year, thus far I have 700,000 aside and due to add another 350,000 baht which will take me just over the million baht mark. The above said, it's not enough, but I have savings that exceeds that 10 fold easily, (not bragging) just stating the fact, which I hope that I never have to use, but as you say, it's a gamble and short of the insurers gauging me every year with their increase (without any claims) from me or my family, I feel better that the money that would have gone to their every rising annual premiums are back in my pocket. I have also found out that there are some pretty good government hospitals out there, if and when a situation arises, failing that one could bite the bullet and go to the private or go back home.

Utterly disgusting, that said, from my experience years ago when I first came here, I remember that I had to que with hundreds, yes hundreds of others in the morning to see a Dr at the public hospital for a simple blood test, it was then when I realised that their system was broken. To add to that, when the Dr finally arrived and it was my turn in the que, he asked me why I wanted a blood test, even after telling him that I do one back home to check on my Cholesterol, Triglyceride, HDL and LDL levels to make sure that I don't have another heart attack, e.g. my local GP recommends I do one every 6 months to make sure everything is in check. I since found a blood clinic an hour 15 drive away, drive there 1st thing in the morning, arrive when they open, 1st in and out, and the results are emailed to me by the time I get back. Go figure, it is quicker than going to the public hospital to be seen by the Dr, who is no more than a kid in a white robe and the blood test (only one) that I did there, took a week to come back with the results. The above said, I have canned all Dr's at public hospitals except a University training Public Hospital that Sheryl once referred me to, since then it has been Private hospitals, I don't care about the expense or the travel time, still get home before a public hospital Dr would be able to see me, that said, the wait time to see a Dr in a Public hospital from mine, my wife's and kids experiences is less than 10 minutes, half of that time is filling in some paperwork, getting weighed and blood pressures taken. Can't blame the Dr's for walking out, I can imagine having seen 1st hand the volumes of people they have to see in a given day, no doubt for little pay and long hours.