MadMuhammad

2 hours ago, Lemsta69 said:

we won't be able to afford to live here if that happens. it'll become like Singapore, expensive dull and boring.

Take away the cheap cost of living and my reason to feel superior over the locals why would I bother living here

I got my marriage translation certified and stamped at The Klong Toei MRT MFA office, if that helps. D

8 hours ago, OneMoreFarang said:

Until he tells you to go down on your knees...

500 baht is 500 baht 

On 1/30/2022 at 8:41 AM, talahtnut said:

Optimistic thoughts of daring to return to LOS a dashed again

when reading this sort of news, its like they hate us, the critters

also hate us, had scorpion in the loo, a 12" poisonous centipede

tickle my feet, and a snake under the table, mozzies eating me,

lucky not to get Dengie,    Nah, stuff it, not going back.

 

Evidently you’re not Aussie then ????

21 minutes ago, Mac Mickmanus said:

They have a dog that is known to be protective an attack any one who enters the property who doesn't live there .

  A person who doesn't live there entered the property . 

Didn't any of them think of the consequences ?

Bold of you to presume there was any actual thinking between any of them 

12 hours ago, alextrat1966 said:

Utter bs, there is an Interpol Red Notice on his name, and so he should be arrested and returned to Thailand, but he hasn't! Several people even claim to have seen him in Abu Dhabi celebrating Max Verstappen's (stolen) championship! But he wasn't arrested, guess why!?

 

With a net worth of over $24.5 billion in the family, they are extremely wealthy. Jeffrey Epstein was a nobody in comparison with only $577 million, and still managed to corrupt justice in the US for quite some time. 

 

You are the one dreaming here/

https://www.interpol.int/en/How-we-work/Notices/View-Red-Notices

9 hours ago, GrandPapillon said:

WISE is very expensive for large transfer, 2 or 3 times the price of SWIFT, killing any advantages of best THB rates you could get

 

therefore avoid like the plague for 10K or more,

Absolutely disagree. When transferring 2mil baht a couple of times I explored all options and was close to 60000 baht better off with Wise than anyone else at that time.
 I’ve transferred close to half a million Australian dollars in 3 years and have found Wise rates better every time, even including their fee. 

14 hours ago, PoodThaiMaiDai said:

It is impossible to time the stock market, so I always keep my money in the SP500.

 

Since I was born it has averaged 8.6% without the dividend returns and over 10.5% with dividends added.

 

I like those odds and invest for long-term even at age 57.  

 

Last year many people tried to time the market and got out.  

 

Pre dividends, the SP500 was up 26.89% in 2021.

 

Yes, I lost some money so far in 2022, but over the last 2 years I have funds in there to cover any stock market corrections.

 

You only lose money if you overreact and sell when it is down.  It will always rebound over time.

 

I came here to say exactly this. Quality reply 

5 hours ago, Phulublub said:

 

Because asymptomatic people don't spread the virus? 

 

The only stupid thing from the authorities is not allowing those who can to self-isolate at home.  Do that and it would encourage the more sensible to test regularly. 

 

Some, of course, will continue to deny there is any problem, and go "blah, blah, blah" when shown evidence otherwise - like part of the UK and USA health systems becoming overwhelmed.  It is a little bit of a shame that Darwin's Law will be unlikely to help.

 

PH

Parts of Aus starting to feel the impact of omicron as well 

On 1/14/2022 at 6:43 PM, jgm005 said:

I had a very similar problem. Using my USA card for Lazada for years.  Than, wham, would not work.  Not  because of the card company.  I had a go around over and over with Lazada with them asking me to send in certain information.  Which I did and got the same request.  Finally I had enough and cancelled my account.

 

 

I got a call today from +888100 purporting in thai that I had a package that needs collecting, press ‘1’ for details. 
Obviously I didn’t and blocked the number 

On 12/28/2021 at 12:54 PM, poppysdad said:

I understand and accept most of the replies but I have not changed my method of transfer in years. No matter what day or what time of the day the transfer from Santander to Wise was literally seconds.

I did notice this morning though that the Santander transfer setup was quite different to in the past but still only took a couple of minutes from entering the site to get the message of successful transfer. 

Instant transfer from my Australian bank to Wise, took seconds. Wise then had the cash for 3 days, then the thai side had it for 2 days. Total of 404000 baht took a total of 6 working days to transfer.

 I’ve transferred close to half a million Australian dollars over the last 3 years and this has been easily the biggest delay 

I registered, no problem. Did the 90 day report, no problem. Got the approval and receipt, no problem. 13 days later on the day before my due date big problem , report rejected due to overstay 

5 hours ago, The Cipher said:

A few thoughts on this article. (1) It's really unfortunate that personal finance isn't taught in schools. People should have access to this info. If someone will translate and distribute I'll write/teach a beginners course for free.

 

(2) The quoted guy is right. Budgeting is critical and prioritizing the savings bucket before allocating the spending bucket is also the right move.

 

But at the same time like, if you're earning 30,000 and saving 10% that's like...$100 per month. Better than nothing but probably not gonna get you to where you want to be, either.

 

Man I hate these coffee examples (not sure why everyone uses coffee as the example). Specifically because saving 50 THB/day isn't enough to move the needle. 50*365 = 18,250 in increased savings per year. Less than $1,000. Like, I get that it's an illustrative example, but damn - everyone seems to paint coffee as the spending villain. Maybe I'm just triggered because I buy a lot of coffee ????

 

Anyway this brings me to the final point: (3) cutting spending is bounded on the lower end by zero. Can't spend less than 0. But increasing earnings really has no upper limit. Teaching people to be responsible with their money is important, but I feel that part of that financial responsibility ought to be making sure that you have enough income to live a good life while also being responsible on the savings/investment front.

 

The art of personal finance is walking the line between living well today and planning for the future. Starting early and expanding income is the best way to make sure you can do both.

I like my coffee like my women, cheap and from a 3rd world country 

On 12/20/2021 at 8:58 AM, Paulaew said:

No, it was an awkward moment -- she was waiting for a wai from me that was not forthcoming. I was expecting a wai from her. It was more or less a breakdown of wai expectations.

 

What followed was a delayed and sort of fumbled co-wai. Neither she nor my wife looked happy about it.

 

Paul Laew

A Mexican wai off, so to speak 

17 hours ago, Albert Zweistein said:

Bite him in his tail.

I have a mate back home that used to bite his dogs ear whenever it misbehaved as a puppy. Seems to have worked well 

Cars, motorbikes, racing both of those death traps. Lazy beach afternoons. Spending time with my gorgeous wife. Hopefully sone works travel again in the next 18 to 24 months 

16 hours ago, scubascuba3 said:

I read somewhere maybe here  or YouTube that to stop a bite you need to put your finger up it's backside, good luck

I came here to say the same. Jam a finger up it’s blurter 

11 hours ago, 1FinickyOne said:

To me, it is mostly a lovely sound of my adopted homeland... it is part of living here. 

I'm up at 5ish with my wife anyway. As you said, all part of the day here

2 hours ago, Dumbfounded said:

Wish we could get James Squire one fifty lashes over here, I miss a real beer

A keg of Furphy would see me happy for the xmas hols, cob