4MyEgo

Come on now, you started the story and left us high and dry, keep on with it, did you take one or two, did you end up waxing them in the end ????

I think you would have less chances of ending up in hospital if you take care of your engine, e.g. good oils vs cra-p oils???? Some of us would like to get health insurance to protect our savings, i.e. as mentioned, I was previously insured, however not at the astronomical annual increases they demand, especially when you haven't even made a claim, e.g. no reward, no reduced policy or same amount as the previous year, it's a go for the juggler attitude from the insurer, their attitude is, if they stay, good, if they don't, we have already won over the years because we (the insurer) haven't had any outlay.

So what's the problem my dear Watson ?

Yum, haven't had Thai food in a while.....Tiruk, can you put some beef in the pressure cooker and whip up one of your beautiful Massaman curry's with some oven baked potatoes and Basmati rice. Should be ready by lunch, thanks.

Everything in moderation and within your capabilities, my body loves exercise, just wants to keep going and going and going, like a horse let out of the starting gates, but I have to keep it held back, otherwise I will feel the pain for the next couple of days, joints mainly when doing cardio, i.e. if my mind wants to take over, thinking I'm still a new car and not a vintage one.

You must have missed something in my post, I have a wife, not a Princes ????

Let it go man, quit while I'm ahead, she has lots of it, that's how, she learned to follow my lead on how to make money, like I said, move along before you embarrass yourself further. There is no need to keep replying to anything pointless, unless this is the only thing you have going for you in your life.

We do have a all day and evening market that sell fresh produce, but imported meats, fish, cheese and the like you can't get within a hours drive, so when we go to Makro, VillaMart, Tops or other places we stock up. The above said, we eat well and the wife is a chef (unqualified) but can cook a variety of European dishes to die for, as for the local market, yes we buy what fresh veggies/fruits we need, but things are limited to what we all like, besides we are a big family and rather than miss out on items we like when we do go shopping, we will buy 2-3-4 of those items that need to be put in the freezer.

Whatever Mr Logical, if I wanted your advice or your "logic" I would ask for it. G'nite.

I could respond, but I won't, just let you know my little darlings do creative stuff on the internet, not F'book or TikTok FYI, and of course they take a few hours break every couple of hours, balance is key. Now you were saying for them to do something USEFUL or something like that weren't you Mr know all, F-all zzzzzzzzzzzzzzzzzzz

That makes sense, the main box for our internet is also in the village, so pointless exercise come to think of it.

Well said, you do the right thing and pay your premium nd hope they do the right thing. With self insuring, if we are fortunate to have saved up enough to cover the costs, we know it's a sure bet, that and if we don't have any issues, we are richer for it. Like you said, it's a gamble by choice.

Many thx, that 11pm-5pm was a one off in 6 plus years, maybe two before they upgraded the lines a year or so ago. Mainly bleeps at the moment, a second or two which is enough to throw me off of the internet and I have to wait about 3-5 minutes before I am back online, so I feel it would be a worth while investment, and the girls would love me because they also get frustrated when the power bleeps and they have to wait 3-5 minutes for the internet to come back on so they can continue on their tablet and iPad.

Agree 110%, invest, invest and keep investing in property and shares and any other vehicle, because savings on their own don't grow as much as the above, then when you get to retirement age, you keep investing while earning from the fruits of your labour.

I like it, where have I been the last 6 plus years ???? Is it possible to buy a dual one, e.g. for the internet and laptop which are close together and near a power point, or do they have to be separate, I ask because I am not literate when it comes to these things ????

We live in a village, after the storm the other night, we lost power from 11pm to 5pm the following day, try being without power for that long, in all fairness, they had to replace the transformer and were under the pump with power poles taking priority in other areas, not to mention they ran out of parts for the problem we had in our village and had to get one from somewhere else ???? The most frustrating part was that the wife didn't want to call PEA when I asked her too, this was 12 hours later, e.g. 11am, her excuse was we cannot tell them what to do, they know of the problem, how so I said, are you a mind reader, and that is when I served her with volley of my frustration, a freezer full of top notch food and two fridges packed to the brim, 20k-30k baht worth of stuff. I said in a calm voice, so to speak, either you ring them and find out what is happening, or you can compensate me the 20k-30k if the food goes off, because this is not good enough, I need to know that they know there is a problem, this is what we farangs do, it's called communication and confirmation. She was on the phone within minutes, I said what did they say and she had the audacity to say, that the man said thank you for letting him know because know one told them the power in the village was out and they will send someone over as soon as possible ???? My take on why those little one second blips happens if because of the workmanship, remember where you are man, appreciate your frustrations though, happens at least once a day here.

From my experience having moved here in 2015, I started looking for health insurance, why, to protect my life's savings which will keep me going here till I'm 101 ???? I found out real fast in the 1st two years no one would touch me with a pre-existing condition dating back as far as 2007 with no issues. The above said, I had no option but to self insure, took it on the chin, then a broker reached out and said, he had found one, so did all the paperwork, gave them the letters from Dr's & Specialist and all good approved, it cost me about $60 US monthly to over the pre-existing condition, and then I had the annual cover to pay for suffice to say in the 3-4 years that I was with them, no claims, but the policy kept going up and when I turned 61 last year it went up double, and I negotiated a 15% discount, but when I turned 62 and the policy was due again, it went up again to about 150k, the reason was they had a new underwriter, so I said, enough is enough and for that kind of annual outlay I will self insure so declined to renew the policy. Don't get me wrong, the money they received in that time, I paid because I knew I was covered, that was the game plan, but when they kept raising the stakes, my pair of Jack's so to speak weren't worth the bluff, so I now transfer 250k baht a year to an online account which I have named Health Insurance funny enough and a reminder to transfer the same annually. I do have enough to cover a major emergency is need be, that said there are also some pretty good university type hospitals which are much cheaper then the privates, and when the time comes, i.e. if it does, I will see what my options are, considering that I'm in good health, eat right, exercise and drink in moderation, should not expect to see myself in a hospital, and think of those $'s back in my pocket rather than theirs, fully knowing that every year the policy would be going up, and especially with every 5 year age bracket, e.g. 59-64, 65-69 etc etc. The decision is ALL yours, that said, if you have enough to fall back on, 4 million is conservative, but with that kind of Baht, you should be fine for major stuff, excluding the big C, if you were ever so unfortunate. I know of a couple of lads who went into privates, one for a quadruple by-pass, 750k, another a stent and pneumonia, had to return a 2nd time for a 2nd collapsed lung, was in and out in total for a about 4 weeks, 2.5 mil baht. Good luck.

Another waste of life in my opinion, instead of one seeking out the root cause of wanting to drink 10 beers to drown ones sorrows. Perhaps if and when you get to stage 4 cirrhosis you might just realise how much you had to live for in this precious life that we have been bestowed, everything in moderation Bob, eat up now ????

My sister-in-law did 6 years for being in her boyfriends apartment when the police raided it. She has never done drugs, they were sitting there watching TV and the cops stormed in finding a handful of yaba daba doo pills in his bedside draw, she didn't know he was using or selling for that matter. As the saying goes, love is blind. She did half the sentence, but still.

The only reason I took out health insurance was to protect what I have monetarily speaking, that said, I would rather put 250k baht a year aside, then give it to them, especially when I consider myself a low risk customer. I am I pi$$ed that they got 4 years worth of annual premiums from me, NO, I was covered, that was the objective, now I have taken over and cover myself, besides there re other options than private hospitals, but I will look at those crossroads if and when I get there, never hopefully ????

Like all companies with little reviews eventually there underwriters change, could be in a year or two then you have skyrocketing annual policies. This happened to me, won't mention the company, happy to take my annual amount for 4 years, with increases every year and on the 5 range, e.g. 59-64 which went up double the annual policy. I do have a pre-existing condition which was covered, no problems since it 1st happened in 2008, on meds, good diet, exercise, but it gave their new underwriter the right to say, stick it to him. So I stuck it back to all of them, have always been able to self insure, however if you can get affordable health insurance, circa 70-100k baht, why not, but when they want to keep sticking it to you, best to put 250k baht a year on a side account in the bank (internet), if you can afford it, and if and when something transpires and you need to pay for it, well your at a million baht within 4 years and building up if you don't have something happen to you which is always the plan. The broker I was using also mentioned them who was mentioned earlier here on the post, but when asked what he knew of them he said, they are fairly knew so we give them a go, that wasn't good enough for me, so it's back to self insuring and hopefully money in my pocket, not theirs. Last but not least, in the 4 years I was covered, not one claim, but they put us all in the one basket unfortunately. Good luck.

That wouldn't include the authorities who turned a blind eye would it ? The buck is certainly being passed here so to speak, away from the real culprits, I mean let's face it, if the authorities didn't allow this establishment to continue due to it being illegally built and with no license, then this whole waste of 19 lives wouldn't have happened, would it ?

Who cares what age differences there are between a couple, it's just a number, aesthetically it might look different to what you would normally be looking at back home. The above said, to some it would be no different to looking at a gay couple, male or female or a Ladyboy so to speak. What one has to remember here is one word, i.e. "acceptance", the world we live in is f-ck-d up, if a couple for example have years apart from each other, as long as they have respect for one and other and are prepared to support each other, regardless if it's from a monetary or emotional prospective, personally I don't give a sheet, as long as their lives are happy and better, then kudos to them. For the record, there is 21 years the difference between me and the wife, do we care what people think, if you think we do, you are so wrong.

Um, you've had your 4th, it's called natural infection, far better than any vaccine. Just for the record, had 3 Pfizer's and the infection and the latest news is it's endemic and will be as common as the annual flu.

I suppose she's still nun the wiser after spending the 3 million on whatever she spent it on ?