4MyEgo

Totally agree, our dog is always inside the front gate, he's only a little thing, but when the courier comes and drops off parcels, I told him to close the gate because I didn't want the dog going on the road to either get hit and killed or bringing down a motorcycle rider, he just gave me that LOS smile. I told the wife, best you tell him next time, she's my pet dog, and she gave him a real nice barking, gate is always closed now, didn't ask her what she said, but he doesn't know she all bark and no bite.....LOL

Absolutely gut wrenching to hear and see the video, I can't imagine the pain and suffering all of those parents must be going through, and loved ones. For what it's worth, our kids don't go on school excursions, period, and our very reason is that we do not trust the buses, or the drivers. The School Principal tried to persuade us a while back to allow our kids to go, by saying it was mandatory, with my reply being, respectfully, can you guarantee the safety of our children outside of the school, she hesitated for a minute and I said, I understand, therefore as they are our children, they are our responsibility when not at school, that is mandatory, suffice to say, if it makes it any better for the school, our children can be absent from all excursions due to them suffering travel sickness, she looked at me and smiled as if to say, I want to slap you hard, but she had no come back. As parents, we make decisions, right or wrong, I prefer we make those decisions than allow others to do them for us, just because it's the way of the world, so to speak. RIP little Angels.

7% is that tax free and what capital gains would be looking at, as a percentage return is good, but you also want capital appreciation, 7% profit in today's terms is not 7% when you take inflation, e.g. cost of items that have increased over time vs the $, baht etc. Americas latest inflation rate is 2.5%, if you believe those figures, would mean you would be receiving 4.5% before tax, if any. Thailand's latest inflation rate is between 1% - 3%, if you believe those figures, would mean you would be receiving between 4% - 6% before tax if any. Personally, I don't believe the above inflation figures for my own reasons. The above said you need to look at bigger returns, like 10% + I have been averaging 12% - 20% tax free, but am not going to tell you where you can get that, as I am not a financial investor, and sure the heck beats getting what your suggesting. Good luck

It's a no brainer. 1) Stray dogs, collect and destroy, pests. 2) Dog attacks, collect and destroy, if owner identified, sue for damages 3) Chip each and every dog 4) Each and every dog must be registered with local council, recording owners details.

Never even crossed my mind. Now that the thought has entered my mind, I would prefer to pass away here, that way it wouldn't be a burden on the family to pay for an expensive funeral back home. A funeral back home on the El Cheapo would set the back about at least 250k baht, and if they went the cremation way, about 50k + baht, much cheaper here I would imagine, so here will do as I would much prefer they use my funds to enjoy life, as opposed to throw it at expensive BS overpriced funerals. Like my old man kept saying; son, when I'm gone, put me in a dinky, take me out to see, put some weights around me and drop me in, the sharks can eat my remains. We ended up cremating him, Mum's bitter sweet revenge 🙂

Welcome back NOT. You just inspired me, as you did on Articles 18 & 19 where you still haven't admitted your wrong.....LOL, not that I have ever expected you to understand the meaning of the word, YOUR WRONG. So, I will take it upon myself to email an insurance company in Australia and ask them the question, something on the lines of..... I am a non resident of Australia, however am an Australian Citizen residing in Thailand for over a decade and am looking to obtain private health cover in Australia. My question is, whilst I do not reside in Australia, can I obtain private health cover for within Australia, even though I am living in Thailand. My residency status for tax purposes, is that of a Non Resident as I live in Thailand, and as I reside in Thailand for over a 180 days a year, I am considered a resident of Thailand for tax purposes. Once I get a reply, I will post it, wrong or right, the latter would shut you down real quick wouldn't it ? I doubt it, because then you would bring something up, like, they are overhauling the system, making changes, like the DTA's....bla bla bla

You might be right, I don't know, and I won't be getting a TIN, because my understanding is that I don't need to as I am not earning an income, only remitting savings, so until they come knocking on my door or I see a link to their website stating that I must get a TIN for remitting savings, nutta 🙂 Me no understand Thai, then I will smile as they do us.

I'm not reading into it at all TBH. I just raised some facts in my case when trying to get cover in Oz as a non resident and they told me that I had to be a resident of Oz, I argued that I was a Citizen and they said, yep, nah, resident, so make of that what you will. No point in waking the sleeping giant as they say, but for me, I would hate it, if all of a sudden they did ask a question, and I had to answer it, fraudulently because that could make the contract null and void as previously mentioned. Like you said, how would they check anyway, hey Mr So and So, can you provide us with copies of your passport pages please, and yes, fat chance that would happen, but what if Mr or Mrs Goody Two Shoes who's on the ball, picked it up and their policy stated you have to be a resident to be covered, yes, yes, I know fat chance, but, when I take out a contract, I want to know the fine print as that provides me with less exposure, a classic example is all these dipsticks who come here with travel insurance, but don't read the fine print, e.g. must have a current riders license and IDP, wear a helmet and ride no bigger than a 125cc motorcycle, or the policy doesn't allow for motorbikes. Contract null and void, I know it has nothing to do with residency, but fine prints are fine prints, and I will see if I can find an example and post it, just to clarify things, albeit it I remember couldn't fid anything when I did Google it years ago.

It's only my opinion, but suspending your insurance while stuck overseas until you landed back in Oz, makes sense as you wouldn't be able to access any hospitals in Oz with the COVID con, I mean lockdowns...LOL As for the residency thing, yes, don't wake the sleeping giant as they say.

Foreign debit card at an ATM shouldn't be a problem, providing you advised your bank back home that you will be overseas, as I believe it needs to be activated by them, so as to prevent fraud. You can certainly try it, you will get a lower exchange rate and the bank with the ATM you use will charge you about 200-220 baht per transaction, for your 200-220 baht fee, your limit is usually 20,000 baht per transaction, and you will find your bank back home will charge you about the same. So as they say, take some lube with you 🙂 Don't forget to take your card out as that usually comes out after the cash is dispensed.

We can dance around all day, but if we stick to what I was talking about, i.e. being covered by a private health insurer in Australia, i.e. if your residency status changes, will your private health provider in Australia still insure you ? I think not, based on the emails that I received from different insurers at the time that I enquired some years ago. Now we can all have private health insurance when we were in Australia and moved overseas, however not advising your private health insurer that your residency status changed, might make your contract null and void. Just saying, and don't really care, point !

My understanding is if those funds are savings, earned prior to 31 December 2023 and can be proven, then no tax is payable in any year thereafter, provided the "savings" were in the account prior to 1 January 2024. An example I will provide would be, I have a million $'s in my account back home, if I could be so lucky....LOL. I earned those funds from the sale of a property back in 2019 and those funds have been my savings since that date, and I have been remitting 1,000,000 baht per annum to Thailand to live off, those funds/savings are not taxable IMO.

A little contradiction there, e.g. 1st sentence, "can provide prove that the money is not personal income" 2nd sentence, "even if the income is transferred" Remember, income is assessable for tax if remitted to Thailand, regardless of when it is now remitted. Perhaps the 2nd line should have been replaced with, "even if the money is not personal income" The above said, I couldn't see this being an exclusive Elite Visa deal, but the 6. Taxation regulations in 2024 heading, I take to misleading, if anything. As far as I have read elsewhere, if you remit savings that were earned prior to 31 December 2023, and remit the savings into Thailand after that date, e.g. 2024/2025/2026 etc etc, you can remit them to Thailand every year without fear of paying any tax, that said, the proof is on the individual to show those savings were earned prior to 2023, any savings earned after that date and remitted, is taxable.

That's a good question, if you really want to know the answer to that, you could ring them, or email them and say; hey guys, I am thinking of moving to Thailand, would I still be able to renew my cover, because my residency status, might change to a non resident. Then you will have your answer, might not like what you hear ?

I remember at the time that I was looking to obtain private health insurance in Australia, with me living here, you know just in case I returned for treatment there, instead of here, and all were done by email to various insurers. All coming back to me saying that they cannot insure me as I am a non resident and would have to live in Australia as a resident to get private health insurance, which of course made no sense to me, however I am thinking on the lines, that if a non residents Medicare expires after 5 years, that might have something to do with it, I have no idea. They did however steer me in the direction of direction of global private heath care providers, I did go with one through a broker, and was with them for 4 years, and the premium kept going up and up and up every year, age was one, new age bracket and the last one was because the insurer changed an underwriter and at that point my insurance premium had doubled to 140k per annum, to which I kindly replied, no thank you. Since then I have put the premium amount and the families premium amount aside and save a million baht in premiums, no claims and yes not enough, but I have enough funds to keep us out of trouble, "I hope", that said, we all still have our Medicare cards and will return if it is a major concern if it's going to cost us a fortune here, if and when it comes, hopefully not.

LOL, that is so funny, was just thinking the same thing. Must be on heavier meds. We should think of a caption for the below: I will start...... I'm losing my mind, I need to go on Asean Now !!!

You beat me to it, yes, that would be a start for Georgie, then once they sort that out, everything else will go away miraculously, i.e. if I'm on the money.

What the Fark, no Wai and a 500 baht fine, she got off lighter than the Thai's do, IMO 🙂

Thanks you, so it's 3 then 2, what about 800k in a fixed account, can do, or cannot do ?

Your a brave man, I buy BTC as an ETF as it saves me the 1% fee to buy it and lower price when selling on the exchange, on top of the 1% fee for selling it.

Um UPDATE:

While on topic, I am looking at changing from marriage extension to retirement extension, due to immigration being *&^%$#, every year, so my question is, how long after approval can I access the 800k. I have in excess of that, but as a rule of thumb want to know for myself. (a) I heard that you can't touch the 800k for 3 months after approval, and (b) the balance cannot drop below 400k and (c) must be topped back up to 800k at least 3 months before reapplying and (d) I also heard that they won't accept 800k being in a fixed interest account, i.e. it has to be in an everyday account ? Does that sound right ? If I could put it into a fixed account, that would sort me having to remember not to access it and top it up as I get older. Thank you in advance.

6 months prior would re-establish your residency. Might be worth revisiting as I tried to get health insurance from Australia, for me to have in Australia, but as my residency was that of a Non Resident, no way Jose is what I was getting from them all. Not if there is a fine print in there saying, only if you are a resident. If out of the country for over 5 years, it's cancelled, that's why I see my Doc every time I return, between 2-3 years so it reactivates itself, I also renew my car online before it expires, ah, reason is, I lost it, new one in the mail, (Oz address), no questions asked.

OAP is those who didn't make it in the system, taxes have nothing to do with it, because you don't need to have worked to qualify. The reason the introduced Super is to take the burden off of the government paying out the OAP, compliments of those employers, 11% annually at the moment.

No disrespect, or seeking to burst your bubble, but your own answered your question: (a) resides in Australia The last two words in that sentence says it all in my opinion, i.e. "in Australia". You cannot reside in Australia if you are not physically present in the country for 8 months of the year, e.g. you can say you are a resident, but that is for tax purposes and they will accept that, but Centrelink on the other hand, won't in my opinion. Go in with the attitude that you will qualify for 26 years, if you get 33 years, your laughing. I hope to be proven wrong, because if it was that easy I will change my residency status ass-up.