4MyEgo

Yep a total <deleted> up thanks to this clown having his blinkers on and only ordering his China masters product that doesn't work and exposing the entire country to a vaccine that is ineffective against the Delta variant, e.g. putting all his eggs in one basket. I would love to know what booster he received and why there was no photo shoot of it, or could it be that I missed that, hmmmm, could he be considered a front line worker and have receive a Pfizer shot as his booster ? This clown needs to be removed as he failed to secure other vaccines in time, as said above, putting all of his eggs in the one basket, noting that people in the front lines also died because the vaccine he ordered, yes the one vaccine he ordered, failed to protect those front lie workers amongst others and yet he still continued to order millions more when he knew it doesn't offer the protection as good as the other vaccines do. Apologies to those who got Sinovac.

That was a lucky break you had, would have added up to a nice sum over those 3 years that you were there.

So should I be looking out for cats and dogs ?

Yes the taste is better without the smell ????

Just to clarify, the eating type, I mean woman who eats smelly fish ????

So one would assume you are renting, if so, then I would suggest that you refer to your lease, perhaps the electricity is included in the rent and if that is the case, you are in fact paying for your electricity.

If I ever had an incident with a road rage driver here and wanted to sort it, I would slip a cop a brown envelope for an address, the rest would be history. We know cops here aren't interested in any here except $'s either from suffocating drug dealers so that they can expand their businesses etc etc, enough said.

Whale vomit, interesting to read that it goes into perfumes to prolong the scent of the female species, personally I prefer ala-natural, slightly off is ok, but no way will allow a women near me after she has had smelly fish as the aroma is enough to kill a whale.

We all know that the US donated over a million Pfizer vaccines already which were supposed to go to front line workers as a booster due to the vaccine that it heavily invested in Sinovac not standing up to the Delta, however with clear scientific evidence showing it was only 13.8% effective to the Delta strain, Anutin was still ordering millions of doses, was that a misunderstanding. Next month Thailand is going to be vaccinating kids with Pfizer ages 12-17, so 3 of our kids will get it, what about my wife who doesn't want Sinovac and without Sinovac as the 1st dose she can't get AZ. The kids are less susceptible to Covid so it doesn't make sense that they want to give it to them 1st, in my opinion, it should go to the rest of the population first and the kids last, this is what they had done around the world, but no, in Thailand we will give the good stuff to the kids and the s*it to the adults. I really pray the day comes that when this government is ousted, that someone with balls goes after them, like they did with the Shinawatras and others, however not allowed to flee, because what Mr A and Mr P have done, is nothing short of murder in my opinion and should be held accountable. No doubt if the day ever arrives, they will cry the same story as Joe Ferrari, I did it to protect the people, it was all a misunderstanding, yes that word again.

The only comment I have to make is, please read the above and everything is sorted. Genius !!!

Love is what you make of it in my opinion. You must have strong feelings called love, you respect each other, show no jealousy, insecurities, allow one to live as if they were single, and you hold all your finances, worst case scenario, you fall out of love, or you get dumped, but your finances are safe for you to continue enjoying your stress free life as you only invested 10% of your worth, simple really. The above said, the gal has to cook like a chef and want to spoil you, not be a wanna be Princes wanting to spend, spend, spend and not be demanding or lazy, be a whore in bed, and love you long time, sorry fellas, they broke the mould when they made mine and no she is not the AI type, therefore not requiring oiling every now and again????

While I get where your coming from with your end comment, for certain things in Thailand, I can't agree with your clip joint comment regarding hospitals and healthcare. The reason I say that is because I went under the knife at a University Hospital to remove a basil carcinoma (mole) on my face, as traumatic that it was at the time, e.g. me being awake under a local, the plastic surgeon did a fantastic job stitching me up, no scare from the straight line cut which was 80mm. The total cost was something like 5,000 baht with cream for aftercare, now try that in Sydney, a plastic surgeon would cost you way more than that and if you were going through Medicare (public system) you would have to wait for at least 12 months vs a month here and pay the difference for the treatment. I have been to a few public hospitals, cheap as, but I prefer the privates now and unless an emergency (private cover), I will pay out of my pocket, 3,000 - 4,000 baht to see a specialist including meds, that said, again try that in Sydney and you will pay a fortune. I understand where the guy is coming from, but he is not a Citizen of Thailand and we all know Thailand charges more for foreigners, that is not discrimination, it's business as usual in Thailand, what next, will he complain that the bargirls are more expensive than the girls back home, I hope not. Anyway, I wish him well, but over principal and a couple of hundred baht a time, hardly worth the agro, should have moved on a long time ago, that or gone back to his motherland for treatment and compare eggs for eggs. He will soon find out, he will lose his case and wasted a lot of time and energy that could have been used elsewhere.

If your financial and want to break away from the slave trade, then do it. Decided at age 47 after a medical scare that I needed to plan for an early retirement, I did that at 55 some 6 years ago and not a single regret, I gave up a 6 figure salary at the time and earn a 3rd of that here which is enough for a comfortable lifestyle. People work all their lives for a number of reasons, that said, I have a lot of wealthy friends, some in their 60's and 70's, and am not talking your average millionaires, I'm talking multi-millionaires, easily worth $30, 40, 50 million and can't stop, they don't know how to, they enjoy the work and making all of that money, sadly the one in his 70's had been diagnosed with prostate cancer 6 months ago, still working and planning how he is going to divide up his property portfolio in his will because he knows it's going to be a sheet fight when he's goes, as the kids will have it out, that said, all he has done all of his life is work, because that is all he has known and has enjoyed it, no long holidays, short long weekends away, Xmas breaks etc, that is it, doesn't make sense to me, but I do not criticize him. I am happy to sit on my rear and make budget every month, and some if it's a good month, each to their own, I have enough to see me through till I am 101, and what will be left for the kids will be left for the kids, certainly nowhere near a fraction of the above guys worth. Enjoyment can be achieved in a number of ways in retirement, just depends on what you want out of life. Just knowing that I don't have to be anywhere at any particular time, or have to take many calls is so just right for me, I remember the amount of calls I used to take, my wife saying once that I should glue the mobile to my ear....lol. Investing my money and watching it cost me nothing to live here in the past 6 years is very comforting, also knowing that the money I have is secure and readily available is a plus, that and I don't have to pay any tax on the income I earn is also a big feature. If your serious about retiring early, then good for you, just make sure your financial and how you are going to finance your lifestyle here, suffice to say if you have property back in Oz, be very careful because once your residency status changes when you move here, you will get hit with a hefty capital gains tax bill on your property when you sell it, like 42% hefty, and the new legislation takes the CGT event all the way back to when you first purchased the property, not when you left the country or rented the property out for the 1st time, so you WILL want to talk to your accountant, also any rent is 32c in the $ with no tax threshold, it's from the very 1st dollar, also no negative gearing allowed on the property for non-residents, which you will become after 183 days living here, and if you think you can get around your residency status as an Australian resident while living overseas, yeh well good luck with that one. You really need to do your research and talk to your accountant, but also know what he/she is talking about. You will want to also earn an income while you are here vs chewing into your savings so that it doesn't cost you anything to live here, otherwise your funds will only be going south, have a budget and stick to it, also recommend you take out private health insurance as Medicare won't cover you here and hospitals are not cheap for major surgery, but that is up to you, it's a topic where a few don't like as it's costly, some are happy with the public hospitals and that is ok, private cover will chew into about 15% of your budget, however if your earning, it's a no brainer. I have seen friends and a brother in their 40's all die due to diseases, which can and will strike at anytime, suffice to say if I carked it tomorrow, I could at least say I have really enjoyed my last 6 years sitting on my rear, but I intend on staying here for at least another 20 years, doing the odd domestic travelling with some overseas trips pre-Covid.

Those are not my words. That you have to answer yourself. Again, those were not my words, I did say however that those that cannot afford insurance should not be here. The meaning of that is, when you move to another country, one should plan and take insurance into consideration, if that insurance expires due to age and one cannot get insurance then plan B should be in place, i.e. funds in the bank to self insure. If one has put all of their eggs in one basket and cannot afford insurance then they will have to deal with what comes. I could say that my wife and kids can rely on the 30 baht scheme, but I will admit, the hospitals I have seen are not fit for the purpose they were built, call me a snob, I don't mind, but having enough money which I took into consideration when I planned my move here, for insurance, for me and my family means that at least I am comfortable to know we will receive good treatment, not at our expense, but at the expense of the insurer and if we don't make a claim, all the better, but to me insurance is a must, we don't all think alike and that's ok. I am not misguided by insurers and claims not being made for a number of reasons, but as long as you read the policy thoroughly and adhere to it's guidelines you shouldn't have any problems. While living here, I will continue to insure, and if they cut me after a certain age, which the policy states they won't as long as you joined before age 60, then I will continue, but policies change and if they do cut me, I will use plan B and self insure until we go back to my homeland as we can then be under the government public hospital system which is as good as the private system here.

I also do not hang around Thai men, or women for that fact, but I know how they think/talk, I listen, I smile unbeknown to them that I understand a bit of Thai. There in lay the problem, I have little to do with my wife's family because same same, sister-in-laws ex partner throwing money at them as if he could afford it, and of course she/they took him for everything he had, later crying foul play, I did try to warn him, but he ran to his then partner spilling his beans with the family having a go at my wife, with her telling them, he has eyes, he sees what is going on and he can talk, up to him she said. We have heard a lot of the village gossip about this farang and when my wife hears it, she tells those people, the more gossip about my husband the better, it just goes to show how stupid people in this village are my wife says.

Yes I think those that get angry or go off, lose face very quickly, point is that I have never had an issue with respecting Thai's or anyone else in that manner, I always smile and try to make the Thai feel comfortable, oh this farang is ok, he doesn't bit, but out of the 100 or so you will always get comments when you walk away, from the limited Thai that I know, I can understand when a Thai is putting me down for no reason, that is why I say they are Xenophobic, naturally that wouldn't apply to all Thai's, perhaps I am using the wrong word ?

I am 61, have a pre-existing condition, my premium is 120,000 baht per year for 1.2 million USD (40 million baht) which includes the pre-existing condition. We are talking about farangs being insured, not Thai's, although I do also insure my family for 60,000 baht per year with a different insurer. Naturally the higher the age bracket 64-69, 70-74 the higher the premium, but 120,000/365 days = 330 odd baht per day for me.

When you have insurance, you don't care what they charge, and of course I would rather stay in a comfortable hospital, it's 5 star all the way for this cat ????

At least with insurance you will get the care you require in my opinion, without it, the hospital staff might be under pressure to limit what they do, don't forget, it's a business and has costs which it would like to recoup, and no one likes to throw money into something that isn't going to return on it's outlay. At least your in with a chance, without the machines, your gone, suffice to say all of us deserve a chance. Um, in case you haven't noticed, interest rates are so low the banks aren't paying any interest, I know my bank back home is paying 0.10% for over $500,000 so that means I am getting nothing for the money I have in the bank. Insurance is not that expensive when you break it down on a per day basis, the lump sum figure is what scares people, e.g. what do I get for 120,000 baht per year, I could use that money on other things, however I look at it this way, 330 baht per baht per day covers me for 40 million baht and 90 days overseas in another country, so I am getting something for my money if I make a claim, that said, I don't see what I am getting, but it's there, there to provide me with protection, so that I don't have to use my own funds. It works both ways, I could be paying insurance for 10 years, say 120,000 baht per year or 1.2 million baht with no claims, yes insurer wins, but so do I knowing that if I did make a claim, I would be covered. On the other hand, I could have made a claim in say year 5 for for 2.4 million, insurer looses. It works both ways. Have one of those as well and that is a fraction of the cost of health insurance, around 2% per year.

Understand, that is why I have insurance, that said, if I couldn't get insurance because of age, I would put $100k in a Thai account, suffice to say I have funds that are overseas in a bank account earning zero interest, that is just the way things are theses days and that is my back up position, e.g. if my investments crash, I will need funds, as a fall back position even though I am not receiving interest, it doesn't bother me, so if I had to put those funds in a bank here, I would, that would be my insurance. I used that as a guide, I am over 60 and pay 330 baht per day for 40 million cover, way over the top in cover but that is just the way the policy is, even if it cost me 1,000 baht per day it would still be feasible when considering the costs of being in hospital, for example, I know of a bloke who is around my age, went into hospital, 2 weeks was in the millions, he was very ill, they literally brought him back to life, now fortunately for him, he was insured and he was worth saving to them, what if he wasn't insured and didn't have any money to insure, from what he had and the condition he was in, I would say he wouldn't have made it, hospitals are a business and people profit, they also have reputations and in my opinion private hospitals will go the extra mile here if you are insured or have the $'s from self insuring.

I know where I would rather be if I was going to be hospitalised here and knowing that someone else was footing my bill, even better, you pay what you get, and if you have ever had any experience here in public hospitals, you will know what I am talking about, but then again, it really boils down to choice and who you want to look after you while being cared for, i.e. there is a clear difference between public and private here and where doctors/specialists/professors are trained, either here in Thailand or abroad, and whether they speak English.

For starters, they really shouldn't be here. The problem with most expats that I know is that insurance is readily available to them for a couple of hundred baht per day, however they choose to look the other way for the price of a couple of bottles of Chang per day, they enjoy that more than an insurance policy, will never happen to them, but when it does, it won't be pretty. But as Antonymous said in his above post, it's all about choice, but I will also add education to that.

Agree 1000%. Again agree 1000%, and for as little as 200-300 baht a day for cover of up to 40 million baht, I can't see why people don't insure, i.e. unless they can't due to age. Even those that money should see insurance as a fundamental requirement in my opinion, as it not only provides you protection, it also protects the money you have, so it works two ways in my opinion. I think if older folk cannot afford 200-300 baht per day or cannot get insurance here due to age, then they should self insure i.e. have at least 2-3 million baht as a fall back position, and if they haven't got the dosh to do so, they as you say, they take the gamble/choice, sadder if they don't have the money to self insure.

If you look behind the smile, you will find it, it's there, that or I am just paranoid, or perhaps I am using the wrong word, maybe jealousy could be a replacement, or an addition, either way i find both exist as much as paranoia does.

If you take the 3 hour wait for them to come back from their 1 hour lunch break, the hour drive there and hour drive back, it might not have been so simple, fortunately the young girl told me to come back in 3 hours, she had an embarrassing smile on her face, otherwise it would have been a little different, so off I went shopping and also doing some eye-candy watching at the local shopping centre, yep quite simple considering ????