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KClark
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13 hours ago, ericthai said:
If you're living in the USA at least 6 months out of the year then you should look into Medicare advantage plans. Some of the plans in some areas in the USA have a part B refund. These plans work with Tri-care too.
Thanks for the info, and for bringing your work history and knowledge to this forum. I'm afraid I don't spend that much time in the USA, and even if I did my income would exclude me from any refund of part B. However, when in the US the medicare/tricare combination works really well, according to some buds of mine who have had recent experience with this. Relying solely on tricare while living here is a bit more costly but manageable, and the catastrophic cap aspect is very comforting. Healthcare 'coverage' is just not a concern for my wife and I and for that I'm very grateful. I know there are many who do struggle finding affordable healthcare. I wish it were otherwise.
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One last thing--if you haven't yet looked at how Medicare computes how much your Part B premiums will be, you should give that a look. Plenty of info via internet, but pay attention to the Modified Adjusted Gross Income (MAGI) part. Essentially, they add most of those deductions (other than standard deduction) you might have taken from your AGI to file your Fed Taxes, and ADD them back in for your MAGI. I know, sucks. That percentage of your Social Security Retirement you don't have to pay taxes on--you guessed it, gets added back in as part of your MAGI. They'll use your tax filing from two years previous, as that's what the IRS gives them. So if you've worked hard, deferred gratification or fun things, saved and invested to build up a nest egg, you'll want to strategize how you bleed it down. $1 over on MAGI and you're into the next higher Part B premium charge (which run from the minimum of $148.50 to the max of $356.40 per month, with 4 interim rates between those bottom and top nbrs.)
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However, we are not able to assist you with your inquiry without the following information:
- Last Name:
- First Name:
- Middle Name:
- Date of Birth:
- Place of Birth:
- Last four digits of Social Security Number (SSN):
- Address:
- Contact Number:
I sent them all my relevant data in my initial email to them. Didn't seem to matter as they simply sent me a very short enrollment request back. I think just the mention of name, address, medicare nbr and your intent would be sufficient for first salvo. The form they'll send back ask for:
medicare nbr
name
address
phone nbr
check the box that says you want part B.
That's about it. When they respond they'll acknowledge your request and state "Action was taken to enroll you in Medicare Part B."
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Sorry--make that "a few days later" they will acknowledge....................... I live in Thailand and my local address here is what's registered with Soc Sec. I'm retired Army and our insurance program, Tricare, requires we sign up for Part B at age 65 to maintain Tricare coverage. So while I essentially had no choice, I concur with your notion that signing up at 65 regardless is the prudent thing to do. Anyway, sounds like your situation is the same as mine, so the email to FBU MNL should do the trick. Happy hunting.
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Actually I've just done this very thing. Send an email to FBU Manila telling them you want an enrollment request form for Medicare Part B. You should receive one in a few days. Fill it out and send it back to them. A few days letter they will acknowledge they have received it. All this is over email as the Soc Sec Office in MNL is closed due to COVID restrictions. It's rather painless. r, KC
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Jason,
Recommend you have a look at jazzispas.com. If you see anything you like send them a query and ask for a price delivered to your house, all costs included (jacuzzi, transport to Thailand (Bangkok), subsequent ground transport to Chiang Mai, and customs or related charges, etc.). I was in the market for one some 5 years ago but didn't want to pay the ridiculous prices as you mentioned. I found Jazzi on Alibaba and sent them a note asking if they would sell and ship to an individual. A few back and forth emails and I ordered one, which I've now enjoyed for almost 5 years. As I recall my total cost was about half of what comparable models were costing locally.
I just looked at the Jazzi web site and they no longer sell the model I bought, but it was very similar to the SKT338 (about 80 jets, 2 pumps and 1 heater, LED lights, etc.). I paid about Baht 140k total, delivered to my house (Ban Chang, Rayong Province). Still working like a charm, and a helluva lot easier to maintain than my swimming pool. Trick is to just change the water regularly, and perhaps throw in a couple tablespoons of chlorine after a heavy session with lots of folks. Their jacuzzis have ozonators which are suppose to keep the water fairly clean. I probably average 90 minutes of use per week, and I change the water every two months and change filters. Kinda learned this lesson the hard way, as I got lazy once and didn't change it or clean filters for about 7 months. Starting getting what they call white fungus. Had to do some heavy cleaning to get things back to normal and since then with the regular water/filter changes I haven't had any issues. I clean the filters by soaking them in water with a bit of dish soap for a day or so and then rinse and let dry. There are two cartridge filters on my tub and I've been rotating the same pair of pairs for over a year now with no trouble. Not sure how much longer I'll get away with it but working fine for now.
The covers are/at least where sold separately and are/were around $100. If you go this route recommend you add a spare ozonator (just in case) and some spare filters. I didn't think/know to do this with the original purchase and paid about $100 shipping for a spare ozonator and 8 filters (which I couldn't find anywhere around here. That package was $270 total to give you some idea. No problems with the ozonator yet so still have a spare.
At the time I purchased Jazzi hadn't worked out an agreement with Alibaba for the payment protection plan. I was very leery paying a company in China before delivery and inspection but after some research on Jazzi and numerous emails with Jenifer at Jazzi I did just that. They import all the essential parts (acrylic from USA, Balboa control panels from AU, can't recall now where pumps and heater are from but probably one of the afore mentioned).
The delivery guys they use from Bangkok didn't have a lift on the truck. Luckily I had a large work crew at my house and plenty of metal pole scaffolding, so we just rolled it on poles to get it in position.
Good luck with whatever you decide. I certainly enjoy mine.
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For your budget you can get a very nice, nearly-new car with low miles and still under warranty. Check out One2Car.com and Kaidee.com, set parameters of say 2017-2020 year model, maximum of 15K km and your maximum budget and you'll be surprised at all your options. Buying a car still under warranty will give you some assurance, but you should also make sure the car has not been involved in a major accident, had significant repainting (indicates repair) or been flooded. Car dealers are required by law to divulge this, so make sure you ask the question. Also, if you have a friend who knows cars bring them along to double-check. My recent experience is dealers will divulge the cars history but better to have someone else verify if you have any suspicions. If you do find a car you like you can also condition the deal on having the car inspected by a mechanic of your choosing. Easy enough to hire a mechanic to come along with you for a 1,000 baht or so if you can literally save a few hundred thousand baht off the new price.
Other posters have rightfully mentioned Honda and Toyota as reliable brands, but they are also the most ubiquitous brands which means you never have to drive far to have it serviced. I find dealer services here to be very affordable as well, and have more confidence they will actually inspect and replace per the scheduled maintenance recommendations.
Incidentally, even Volvos are made in China now (at least two factories there I understand). Happy hunting.
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(I personally, have decided to end my annual anxiety regarding this continuing problem by simply going the 800,000 Baht route for next year. I appreciate that some may not be as fortunate as myself to do the same. Over the last two weeks I have transferred 800,000 from UK to my Thai account. I knew it wouldn’t stand up to scrutiny regarding the 2 months ‘maturing’ period, but I wanted to be prepared for every eventuality).
For OP: The 2 month 'maturing' period for the 800k route is for the initial visa only. Extensions of stay based on retirement have a 3 month 'maturing' period requirement. Don't get caught a month short next year! Also, make sure your passport is valid thru the requested extension. Glad you had a good experience. Happy holidays.
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Venus Jewelry (Venus-Thailand.com) on Wittayu Rd, across from Lumpini Park. Family business started in 1966, very reputable and they stand behind their products and workmanship. Favorite of visiting U.S. military for decades. Won't hurt to at least give them a visit. I'm sure the wife will appreciate whatever you end up getting. Happy hunting.
House purchase
in Real Estate, Housing, House and Land Ownership
Posted
Best advice on this thread is unless you're already familiar with neighborhood and neighbors, and proximity to conveniences, rent first. Seems like every month or so someone comes on this site complaining about neighbors doing something annoying on a routine basis. Unfortunately, options to mitigate nuisance neighbors are limited here. Of course, there's no guaranteeing one might not move in next door after you've rented and then bought, but that's a better risk than buying first and then finding out. Dogs, flooding (within the moo-ban and along ingress/egress routes), break-ins and satisfaction with convenience (restaurants, grocery stores, shopping malls, building supply) and other quality of life places like healthcare are hard to discern without actually living there for a bit. I'd suggest 6 months minimum. Even better if you find a moo-ban you think you like and can find an owner wanting to sell but willing to rent for a few months first. You might have to make the rent a bit more attractive to get them to bite, but it would be well worth it. The absolute worst outcome is to buy and for whatever reason end up with buyer's remorse. If this is a retirement hooch, you're likely to be there an extended period so you'd be better off to invest in the due diligence up front. If you know what area you intend to settle in, perhaps divulging that would help members to this forum provide more specific recommendations. If you haven't decided, then maybe making that clear and asking for recommendations might help.
If you're intent on buying first regardless, then let loose the wife and maw-in-law in the neighborhood to speak with the neighbors before buying. I find most Thais will shoot straight on this. After the generic "How do you like living here?" question, queries on noise, soi dogs, flooding and power outages should be at the top of the list. If there's a nuisance neighbor they'll probably tell you that as well, but probably better to let them tell you that than to ask. You might want to hear the same answers at least twice to put a lot of stock into them anyway. Also, drive around the neighborhood in the morning and evenings, and on a weekend day/night if possible. Many moo-bans will look much different when neighbors are not at work and the otherwise peaceful streets become "hard to negotiate" parking lots.
Zoning in Thailand is a bit like a quilt. Finding industry, animal farms or even mosquito-breeding swamps adjacent to moo-bans is not uncommon. Point here is look outside and around your potential moo-ban to avoid any unpleasant discoveries later.
If you select a managed moo-ban make sure to speak with management about financial status and any planned special assessments for major repairs. What type of broadband is available? Fiberoptic? If not currently, any plans for the near future.
Finally, my experience is most Thais are very reticent to offer big discounts from the asking price. Some discount sure, but for some reason I find most prefer to hold onto a piece of property until they get their price, even if that means it stays empty FOREVER! I guess it's a technique.....
If you haven't yet decided on an area, I live in Eastern Star Golf Resort and Country Club, or new name I guess is Eastern Star Park, in Ban Chang (next to Utapao Airport). Been here 6 years and love it. Lot's of farang here to share fishing stories with (retired military and oil and gas guys), lots of convenience and a half-hour to either Pattaya or Rayong for Big C, Makro, Bangkok Hospital, etc.
Happy hunting and an early welcome to Thailand. r, Kevin