4MyEgo

I would imagine most bikes would come with 2, my son purchased a new Yamaha R150 recently and was provided with 2, one he has since lost......LoL Go back to the shop, or ring them and tell them you only received one key, who knows the other might be under your seat.

I will admit that I am not the brightest spark when it comes to technology, but I do somehow manage to get by. I am with you about them stopping internet banking, but I would say that there would be a reason for that, e.g. maybe they or their customers have been hacked too many times and have been exposed to having to cough up to cover the losses ? Me personally, was never an app person, mobile was for making calls, but then came along all the usual apps, like Facebook, Line, WhatsApp, Wise etc etc so I slowly made progress in using them and have been up to speed for a while now, that said, when I had to change over to the SCB app, it was daunting, still is in a way, that said, I manage, but when I do need to do something new to me, I call Mummy dearest because she is all over this type of stuff, wallets, codes etc etc which I won't even venture into as change getting harder when aging, well for me it is. Just out of interest: VPN stands for "Virtual Private Network" and describes the opportunity to establish a protected network connection when using public networks. VPNs encrypt your internet traffic and disguise your online identity. This makes it more difficult for third parties to track your activities online and steal data.

HK could start reading Confucius and learn somethings in life, as opposed to posting his negative and misleading views that are not backed up with anything of substance, suffice to say, one quote from the old boy comes to mind: " A man who has committed a mistake and doesn't correct it, is committing another mistake." In other words, is he admits he is WRONG and has made a mistake, he might actually grow as a person, but I think he is way past that point, then again, I could be wrong, but won't be holding my breath as I did take to the bone.

LoL, that is so funny, 1st laugh and smile of the day, thanks for that. Talking about obsessive - compulsive traits, I couldn't help myself, just having gone over and looking at Article 17 & 18 of the DTA between Australia & Germany, and can clearly say, that it is pretty much no different to the DTA between Australia & Thailand, and the 15% tax he is on about is totally misrepresented by that certain member IMO, once again. Deflection, or could it be how that person reads into things, not really understanding what he is talking about, which would mean that he is WRONG....LoL, no names mentioned of course, and I just had a thought, call it my opinion, i.e. I believe that, that person could be showing a certain trait which could be Schizophrenia, that said, I am no medical professional, and could be clearly wrong, but that person does in my opinion show similar traits as defined in that condition. The condition affects how a person thinks, feels, and behaves, that said, I will go and waste my time making breakfast now, take my meds, and bid you a good day.

If I was a betting man, I would bet that in no way, shape or form that he was in tax or finance because he has no idea what he is talking about, maybe, just maybe a politicians side kick, at the lowest entry that there is, because we all know how they put a spin on things, you know, always denying things, even after contradicting themselves, then deflecting, so as to avoid admitting that they were WRONG. One minute they say they have stopped researching, then in the same post admit that they say they are still researching, if that' not contradicting oneself then I don't know what is, then he moves onto the Germany treaty, who cares, it was never in the discussion, it's another deflection, and Article 18 he says Article 19 has to go with Article 18, but doesn't accept the fact that the provisions of Article 19 does not, if it is only the Age Pension and nothing else in Article 18, and so on and so forth, but as I have said time and time again, there was a movie out called Dumber Dumber which could be befitting. If I had to use one word of many words on this forum without being in fear of being shut down, I would say that he has a mental condition, sad really, however the word eludes me at the moment. Only if he could say that he was WRONG, he would be set free, but that is a big if......as far as I'm concerned he can stay in his lane, but would recommend that he change his meds, because it's evident that they aren't working.

Use of ATM card usually come with a charge of about 200 baht per 20,000 baht maximum, per time transactions, i.e. every time you make a transaction up to you Australian credit/debit card limit, you will x that by, suffice to say if my limit is $2,000 per day and I want it all in that day, I would be up for 2 x 200 baht in that day, using the LOWER exchange rate, that ATM's usually give, then you have to add the charges that your bank will make back in Australia, usually about the same, so it would be a double wammy, plus a lower exchange rate IMO. As for retirement visa/extensions, we all know of these agents that will go down the illegal route for xyz baht. Everyone has choices and if you want to use the ATM route, be prepared to pay the price, same applies with agents going down the illegal route. I don't believe he has added any value to anything he has provided out of the 747 strikes he has provided, and of course we all know that a person who won't admit that they are WRONG is unrepentant.

Can you please provide the two useful pieces of information he has provided, because a 2 out of 747 strike rate does sound like a public servant to me. Agree with you 1,000% on that, although there is another one out there, no names mentioned...LoL

Correct, but you and I know that isn't going to happen, not unless, we start believing that there is a new tax treaty someone, lurking in the dark, that a particular member we all know very well who loves to scaremonger, is talking about to deflect that he was WRONG all along that Aged Pensioners as residents in Thailand had to pay 32.5% tax in Australia....LoL I hazzard a guess, that member will also wear you down sooner or later because he doesn't accept responsibility when he is wrong, he would rather waste members times trying to force his skewed point of views across and constantly ask member to interpret this or that, which is a deflection, when we have provided him with the relevant information that the majority of member agree is correct and stands. We still haven't seen he say he was WRONG, because he is still researching, latest is the new German treaty....LoL, and is scaremongering that Australia is going to go down that path, as opposed to admitting he was WRONG. My advice is best ignore him, or as others have said, block him, but for me, I would rather see this individual carry on with his prophesies that will not come to fruition.

FYI: The 2-year period includes, as separate full days, the day on which the recipient returns to Australia to resume Australian residence and the day on which they leave again. https://guides.dss.gov.au/social-security-guide/7/1/4

Agree. Having growing up in a poor family, I saw my friends having everything provided to them, was I jealous, no, those were the cards dealt to me, so I accepted it, and I am still friends with most of them today, some millionaires, alas trapped in the life of continuing on the family businesses, usually working 6 days a week, 12-14 hours a day, with perhaps a weeks holiday here or there domestically back in the home country, there choice of course, and following the footsteps of there parents, for future generations. As mentioned, growing up from a poor family, I did very well for myself working 2 jobs and rarely having holidays, and if I did take leave I was working another job during that time, that and I was going to college at night to further educate myself, all the while, while investing in real estate. I still managed to enjoy my life, going out and also doing 2 overseas trips as I matured, albeit it was more the partners at the time that wanted to travel and rightfully so, otherwise life might have become boring just from working, I put it down to an experience, a memory, that cost me of course....LoL. I managed to retire at 55 and have enjoyed the last decade or so of living my new life here with a younger wife, and enjoy a good tax free income stream. I could have chosen the path of some other friends who made lots money but sacrificed their quality of life, some passing on early and their kids benefiting and carrying on the business, and others living day by day in the old country waiting for the age pension as they approach pension age. Life certainly can be a bitch. What I am trying to say above, is that I would hate, is to be on a government pension and be in fear of needing medical care as I age in a foreign country with no reserves to back me up. Bank balances make a difference, but to get a healthy one, unless you inherit it, you have to choose which way you want your life to turn out when you get older, hence the saying, you reap what you sow.

At least with Trump, 500,000 Ukrainians, and 300,000 Russians would be alive and with their families today, but then again, what is a life worth, best you go on your way to the frontline, because, frankly my dear, I don't give a dame.

Is it just me, but the story is really poorly written, albeit it, I get what happened.

Glad to see someone on the same page as me this early in the morning. The American tax payer is over it, hence the reason Congress has delayed yet another package worth billions of $'s in aid to the Ukraine, as opposed to negotiating a peaceful settlement which would cost nothing and save lives, but no, there's no money in that. Sure Russia will own a little more land when the borders are relined, but hey, it's a win/win situation. No doubt there will be many suggesting otherwise, and if so, perhaps they should go straight to the frontlines and help Ukraine, starting with Biden.

I thought so, suffice to say that is not your average strata levy per quarter. Do you remember what the strata rates were before the special levy, e.g. $1,500-$1,750 per quarter, noting that you state that you live in the City of Sydney.

If you owe someone 5,000 baht, that is between you and that party, nothing to do with the bank. I can't see how the 5,000 baht was deducted unless your transaction went through by you entering the details etc. You need to call your bank straight away, don't mention to them that you owed someone money unless they ask, all you have to do is ask them why your account is frozen and they will tell you. Could it be that you attempted to make a transaction a few times but put in the wrong password, because that will lock you out of your account aster so many attempts.

You must have has a special levy agreed upon to be incorporated into your strata levies because there is no way anyone in there right mind would pay that kind of strata levies, and if that is the case, it is being raised for future works on the development because the sinking fund is too low to pay for such works. If levies are high on unit buildings in Sydney, that tends to mean that the building was either built by a shabby builder who has skipped town, I won't mention the usual nationality in fear of being called a racist, is an old building, or has to much upkeep on it that is required and has been let go because owners didn't want to raise their strata levies, other things to consider are passenger lifts usually found in medium to high rise developments that require changing after around 25 years, not to mention the constant servicing, swimming pools, tennis courts, saunas, spa's, cleaners, gardeners and security guards on site. The higher the strata levies, the lower the value of the unit. Would love to know the area you live in, but then again I cant keep up with you, wasn't it Mount Druitt ?

Hmm, perhaps the USA's finest should interview a few past presidents, starting with Bush Jnr on Iraq and it's weapons of mass destruction that they never found, Libya's Gaddafi for wanting to change currencies and other things and of course Afghanistan. From what I see is that America has always been the aggressor when it comes to toppling governments, NATO is a fast, I mean come on, the big boys club, we'll put them on your border, but don't you dare try and put them on ours, because we are not a threat to the world.....LoL Standard rhetoric past on to all major news outlets to feed us, let's deflect what the USA has been up to. That reminds me, can someone tell me how many wars Russia has started since 1991 and how many the USA has started ? I think the USA was involved in just under 20, Russia half that, in it's own backyard. Putin has won this war a long time ago, no matter how hard the USA tries to drum up support, the others know it's a dead duck. Regardless of what people think of Putin, American Presidents are no different. I think Tucker did a great job allowing Putin to tell it how it is, shame on the YANKS, they have no interest in freeing Ukraine, they just want to take down Russia to pilfer it's resources as they do with other countries.

For what it's worth, I think he would be better off buying n an area where his grandkids are, if it's within his buying power range vs renting (dead money) that said, he would have to pay stamp duty and legal fees on the purchase, plus ongoing strata levies paid quarterly or annually (up to him), water and council rates, but then he would have secure tenure, i.e. rent is not going to be put up or the owner kicking him out for breaching the lease agreement or owner wants to move back in, etc etc. He would however be best to keep it long term so that it appreciates in value, and as it's his principal place of residence, he won't pay any capital gains tax when he sells it, just has to pay the usual agents commission and legal fees, and if he passes away in the meantime, can will it to his wife or his kids or his grandkids, all the while, while receiving the Age Pension, albeit he will lose a little f he goes back to Thailand. Going back to Oz to get the Age Pension is not feasible for most due to the high rents, i.e. unless they want to do 2 years of renting a room, a caravan etc, which IMO would be a miserable existence. Edit: The other thing he has to consider is, if he gets any money from his Super as an income stream, deeming rates will be applied to his Age Pension by the government which is about 2%-2.5%, then they deduce 50% per $ of the Age Pension that he earns from Super. They have you by the short and curly's at just about every angle.

Yet there are those of us who are married and don't wonder about lucky guys you are referring too, you see some of us can have that extra piece of cake when we want too, as rare as it maybe, no need for me to beat my own drum, it is what it is, that said, as I said to my wife from the outset, I know who I am and what I want in life, i.e. that occasional different piece of cake that I see crossing my path. Can't say I know of any guys with as big a balls as mine, also can't say I know any women that would accept that, except my wife, that said, I'm happy, she's happy, that's all that matters. Before you ask the question, I will answer it with a yes, what's good for the Goose, is good for the Gander.

Read my post 2 up, if you would, suffice to say there are exceptions. Of course, each to their own, sounds like you haven't found the right one yet, and may just not find the right one, but that's ok, life goes on, sadly though, but hey, as long as your happy, each to their own. I find the bar that I frequent that has many expats married to Thai ex bargirls if you like to be mostly content/happy with their lives, sure some go through a patch, don't all marriages go through that, and of course it's just a matter of sifting through the problem and negotiating, because without negotiations, you have Ukraine/Russia or Israel/Palestine so to speak. I only feel sorry for the ones that don't know the art of negotiating, as I find Thai women to be very amicable when it comes to this.

It all depends on what consider to be a lot and what you deem to be compliant ? Since I had to split my hard earned assets 50/50 with my X wife of 12 sad years back in the old country because of the laws that be there, I learned that it won't ever happen again, ever ! That said, I find it is much easier to live a good life here with a partner who appreciates the life we westerners with money can provide for them here, at a fraction of the cost that it would cost us compared to the old country. The main benefit for me apart from being gloated upon 24/7 is that I have my freedom whenever I choose, without having to consult (mummy), I am not shown jealousy, have someone who wants to cook for me, wash for me, iron for me, and satisfy my desires, without having a headache, or being too tired, typically a western woman in my opinion. Now you might ask, is it really love, well what is love, that said, I feel it is, even though she's much younger than me, and yes it does cost me, but nowhere near what it would cost me back in the old country, and as mentioned, this one cooks, washes, irons and satisfies me. Is she a slave you might ask or think, maybe in her own mind, but to me, she is free to do as she wants, frankly, I can't stop her from being domesticated, as much as she loves it, it also satisfies me to see someone so organised and wanting to please, not only herself, but her loved one, what can I say, I can't argue with the girl, that is also something else we don't do, sounds to perfect to be true doesn't it, but wait, there's more, if it ever goes pare shaped, I lose the whole 10% that I have invested all these years, and got to live here as well, in "her house" that I built and paid for, heaven forbid, she earned it, now if she outlives me, she gets the balance, sounds like a fair love story to me, how about you.

Have a read of my post above, that said, there is a lot of good information there for you and may answer some of your questions, and as others have already pointed out, Energy supplement will go after 6 weeks, another supplement, can't think of it at the moment, and any rental subsidy will go. If you were in Australia 2 years prior to applying for your Age Pension as a resident, you can have the Age Pension made portable for you to live in Thailand without question, albeit it you will lose the above items I mentioned and receive about $1,000 a fortnight, that said however, it is highly advisable to let Centrelink know of your intentions because if you get some inexperienced clown who cuts your Age Pension off for some unknown reason, as I have read that it has been done, e.g. possible confusion between a returning expat becoming a resident again for the 2 year period and a resident 2 years prior to Age Pension age, then you would have to go back to start the process again and possibly wait 2 years over again to make it portable, unless you go down the appeals path. What I am saying is if you were away from Australia and returned to get the Age Pension and waited the 2 years before you can make it portable, definitely let them know your going overseas, either way, best to them know to be sure, to be sure, as Paddy would say. https://guides.dss.gov.au/social-security-guide/7/1/2/20 It can cost you a little here at a government hospital or a lot in a private hospital, just depends on who you want to treat you. A matter of choice really, and in my opinion, privates have better trained and educated Doctors than government hospitals, but then again, some of the private hospital Doctors train government Doctors at Universities, so you can get a government university hospital look after you if in a particular area. I think you are referring to Medicare ? If that's the case, from what I have read, is, that if you are out of the country for more than 5 years at a time, Medicare is canceled and you have to re-establish residency when you return to get Medicare paid treatment. I believe you can, i.e. if you don't have any pre-existing conditions, and if you don't, the amount of insurance you will pay because of your age will render it not worth it in my opinion, because the cost is nothing short of savagery.

This section from the article below in italics is basically WRONG, i.e. unless the person is going on holidays for a while and their Age Pension is taxable income, and for it to be taxable income, they have to go over a certain threshold, i.e. I believe it is around $32,279 for a (single person), after SAPTO has been applied for and approved. https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/tax-offsets/seniors-and-pensioners-tax-offset Australia and Thailand have a DTA and when an Australian Age Pensioner becomes a resident of Thailand, i.e. after 180 days automatically for tax purposes, whether they like it or not, e.g. new tax code of Thailand from 1 January 2024 they can be taxed by the Thai RD. https://www.rd.go.th/english/6045.html#:~:text=1.Taxable Person,any tax (calendar) year. The above said, I can't see that happening as the DTA has been in place since 1989/1990, but Thailand has had the right to tax Age Pensioners back since then, and the new tax code reinforces that, but as I have said on many occasions, why would they bother now, and that my thoughts are that they are after the bigger fatter fish i.e. wealthy pensioners, not Age Pensioners who obtain welfare payments from their respective governments, yes, not the poor pipers just looking to survive in a country that allows them to live on the Age Pension, and of course contribute to the Thai economy vs living in Australia where they would be eating peanut butter for breakfast lunch and dinner. Just below is the copy and pasted section from the article I am referring too. Is the age pension taxable? Yes — the age pension is counted as taxable income. You can ask Services Australia to deduct tax from your payment so you don't need to pay it when you lodge your tax return. Read Article 18 of the DTA which will back up what I have said. https://www.austlii.edu.au/au/other/dfat/treaties/1989/36.html Not everything we read appears to be what we think it is just because someone says so, i.e. it is up to us to keep researching and find out things for ourselves, for me, you can't beat quoting the legislation, i.e. if you can find it, fortunately for me, someone else found it and I continue to pass it on for others to see and make up their own minds, part and parcel of learning and providing for the community.

Hmm, how is you relationship, mine has been perfect for the past 17 years, just saying, oh and in my opinion most are p's, some you pay for directly, others indirectly, but you pay......LoL As for drinking and sitting at bars, yep, nothing wrong with socialising, if that's your thing, but everything in moderation Jummy.