NightSky

For anyone else who reads this thread, in my case vitamin d was deficient (below 20 ng/nmol) and the ideal range is between 40-60. 

As my vitamin d is increasing so are my t levels. After one month on vit d supplementation of 40,000 iu/week my vit d was 28ng/nmol and my t went from 7.7nmol to about 9.6nmol which is a significant increase albeit still low. But vit d is also still insufficient.

im hoping my vit d will continue to increase along with my t levels.

heres some studies confirming this relationship (you need to sign up to read the full articles but it’s free)

https://www.medscape.com/viewarticle/845483

My point being get vit d level tested too before deciding to go for trt as vit d levels make a big difference to natural t levels. 

As a side note I was researching TRT and stumbled upon these meds I believe are new in the USA..?

Xyosted injection

Jatenzo softgels

The Insulin type pen injection Xyosted looks interesting although Im sure if new its also got 'new med' price attached to it and wont easily be available. Interesting though!

On 3/31/2019 at 12:31 PM, NightSky said:

Should I first increase vitamin d to normal levels and try to increase t naturally? 

 

Will that reverse the gyno symptoms or should I go straight to trt?

 

im just 40’s with no kids and so preferable to maintain natural production for as long as possible but I need to reverse early signs of gyno

 

Any ideas what I should expect to be prescribed? Any thoughts appreciated.

I had my follow up and was prescribed 2 months of danazol to try to reduce gyno symptoms. 

The doc offered a choice of this med or a t injection every month 

do they start you on a monthly injection normally as routine or should it be 2 a month or more?

i chose the danazol to begin with see how that goes since In my case it is a good choice for gyno. Its meant to lower shbh, block estrogen receptors in the boobs and increase free t levels even though it might reduce hormone production overall

I got hold of tamoxifen from a store in case I need that later too.

If my t and e ratios don’t go back over time after finishing danazol I will go for testoviron every 7-10 days although my doc seemed to suggest once monthly which was confusing

anyhow im trying danazol for gyno to begin with.

44 minutes ago, NightSky said:

I have both low e and low t

 

prinary hypogonadism I expect due to injury 

 

my t was 222 then 247 then 279 and estrogen was 18 then 22. I’m taking vitamin d for past month due to a deficiency 

 

t and e are both rising as vit d is rising but vit d is still way out of normal range

 

i went to the doctors due to a small lump on my breast area he said it is gyno hence checking testosterone.

 

i live a clean lifestyle no smoking no alcohol and good diet

 

libido is fine etc but I get other symptoms low energy loss of muscle etc

 

any ideas what I should expect from the doctor to get rid of gynosymptoms?

 

 

 

 

 

Should I first increase vitamin d to normal levels and try to increase t naturally? 

Will that reverse the gyno symptoms or should I go straight to trt?

im just 40’s with no kids and so preferable to maintain natural production for as long as possible but I need to reverse early signs of gyno

Any ideas what I should expect to be prescribed? Any thoughts appreciated.

I have both low e and low t

prinary hypogonadism I expect due to injury 

my t was 222 then 247 then 279 and estrogen was 18 then 22. I’m taking vitamin d for past month due to a deficiency 

t and e are both rising as vit d is rising but vit d is still way out of normal range

i went to the doctors due to a small lump on my breast area he said it is gyno hence checking testosterone.

i live a clean lifestyle no smoking no alcohol and good diet

libido is fine etc but I get other symptoms low energy loss of muscle etc

any ideas what I should expect from the doctor to get rid of gynosymptoms?

I am seeing my endocrinologist this week first time after two confirmed low t tests

he should prescribe trt although I’m wondering how you get on if you travel out of the country for upto 6 months, is a doctors note ok to carry a 6 month supply of vials?

3 hours ago, bwpage3 said:

"I just think Thailand is doing what any country would do - attracting those who will spend and add value."

 

Are you serious?

 

Thailand could care less about attracting those that will spend more that just a holiday and leave

 

According to Thai officials, no foreigners add value, because if they did there would be an effort to keep them. Which there is none and never will be any.

I think there are times when foreigners are wanted and that is to steel the expertise and knowledge. Once they have taken that from you, thank you very much, now you can leave.

Its the me, me, me mentality magnified.

Well Thailand is growing up now and the middle class is expanding fast - so time for them to grow up and look after themselves.

China and Russia will be at the door waiting to help which will eventually ruin the Thailand and Thai culture we once knew. Its a shame, I think most normal Thai people dont mind foreigners but the Elite only seem to want to use people and the foreigners are very easy to use as they have fewer rights and connections in Thailand than Thai people have.

Regardless of what led to the gang attack on a man on holiday with his wife and child, a misunderstanding or clash of cultures or even a disagreement over a business transaction doesn’t warrant this attack on a man whilst he is buying a burger with his familly

those idiots doing the kicking should be jailed for 2 years and made to apologise to the familly

next!

Mob rule totally out of order.

Every time I see this its almost as if they are trying to prove themselves to the other thugs in the group similar to how small uneducated mindless idiots might think

Ahh a sleepy retreat although harbouring hidden gems.

just ask tuktuk to take you into town and walk into any hotel you fancy.

Great french food is abound including french bread made the right way for lunch

hire a moped during the day as traffic isn’t bad or go by bycicle if not experienced on motorbike 

there are sights to see, a giant communal swimming pool and shooting range right next door to the pool (there’s s side door to the range no sign)

cycle or ride along the river front and keep going on the outskirts and stop to buy drinks and chat with locals 

at night have have a French steak then find the bars selling beers and cocktails 

there is more nightlife if you want that too

hmmm take your wife or girl have some fun 

errr

thats about it then on the way back grab a few cheap bottles and snacks from duty free

oh there are beautiful water falls dotted around outside the city if you fancy s longer ride out but research them first 

Enjoy 

These groups of mindless thugs are everywhere not only Thailand.

in the west these groups who beat minorities to a pulp are called white supremesist nazis

In the Middle East these types are called isis extremist jihadis 

here they are called taxi drivers

5 hours ago, fletchsmile said:

You're well aware that you got a promotional rate. You really need to make sure you can continue at the normal rate once the promotion period extends.

 

When taking out a mortgage you should also be thinking about life changes that may happen, eg becoming self employed, what happens if you get made redundant etc, have children and how you would address them.

 

You really don't want to be relying on refinancing at promotional rates and be hopping from bank to bank every 3 years. Banks aren't stupid they don't want people doing that. Otherwise the promotional rate becomes effectively the normal rate.

 

 

Yes we can continue at the normal standard robber rate and this was taken into consideration at the time. However, if there are options not to pay the higher robber rates that is what Im asking.

Thais I've spoken with who havn't yet finished their 3 year intro deal rate seem to think refinancing is the answer.

I'm also asking how to lower the monthly payments without having to pay off the mortgage in full and without needing to sell the property which may be an option I look into also.

I guess the only way then is to ask the bank if they will lower the monthly payments based on the additional over payments made or keep trying to refinance at other banks or seek a non-mortgage loan or sell which I assume wouldn't be a quick answer.

33 minutes ago, BritManToo said:

Over payments just reduce the term of the loan, standard for all the banks in Thailand.

33 minutes ago, BritManToo said:

Over payments just reduce the term of the loan, standard for all the banks in Thailand.

Yes I understand that now but at the time of the contract I asked if over payments are calculated daily and the bank quickly said yes and couldn’t wait to get my wife to sign it.

Anyhow I will need to approach the bank to lower the monthly payments. I could pay off the loan from savings but of course that locks up emergency funds and brings more money into Thailand that I will need to get out again one day after selling the house hence my hesitation.

11 hours ago, luckyluke said:

Many are full of themselves. 

 

But so are many farangs, thinking because they spent a few hundred thousands a year in Thailand, they should be specially treated. 

 

I have spent 15+ years in Pattaya, I am now located in Thonglor(Bangkok). 

 

Completely different, nearly no farangs, in daytime I am often the only one in Sukhumvit 55.

A lot of Korean tourists, and

 many Japanese residents, with huge money,  pretty sure some "squander" a couple of hundred thousand a month. 

 

Soon or later we will be all considered as "The White Trash" and thus negligible. 

 

 

 

I would guess that truly wealthy westerners don’t come to live in Bangkok out of choice as there are much more luxurious parts of the world to live.

Ok but what about all the money we have paid down as over payments, shouldn’t the bank recalculate the monthly payments to make it affordable. 

The payments are over 34k/month when In fact according to online mortgage calculators the actual payment should be around 15k

Its slowly nudging towards the point of no remain as eventually it wont be worth all the hassle.

My wife purchased a property about 3 years ago in her name which we live in now. I paid a down payment of about 20% and she qualified for a mortgage quite easily for the remaining at the time. She was working and the criteria to qualify for the mortgage seemed quite easy to meet. The developers of new villages have deals with specific banks usually and this one was with Aomsin bank.

The mortgage was a 3 year introductory offer and averages around 4.5% for the 3 years and after the 3 years finishes the standard rate applies currently more than 7% which is high for a mortgage compared to some other countries.

Anyhow my wife no longer works for the same company, instead she works for her own small business and as a result two banks have declined her refinancing fora new mortgage deal.

If she is unable to quality for a new deal she will be trapped into paying the 7% robbers rate.

What is surprising to me though is that we've made over payments the passed 3 years and there is about 65% equity and she only needs to borrow about 35% against the value of the property. She has never paid late and she paid off finance for car etc and she earns enough on paper.

The reason for declining her was that the company didn't pay enough VAT...??? I put this down to 'not being a big enough company' which it isnt since its only a micro business.

Also the bank is asking for a much higher monthly payment based on the original 85% amount rather than the 35% amount because we made over payments during the past 3 years but the monthly payments did not re-calculate as the bank told me they would do. Shouldn't the bank be able to re-calculate the monthly payment based on the over payments we made?

It seems ridiculous she cannot get the mortgage for the remaining 35% and the bank wont recalculate the monthly payment based on over payments made and I almost believe the banks are colluding to make refinancing more difficult so that higher rates are due. If refinancing mortgages are more difficult to secure for refinancing there may well be an influx of repossessions due in the pipeline after the first 3 years 'deals' are completed.

Does anyhow have any similar experiences or info about the banks and over payments?

You can send money into Thailand any way you wish. Many people use a transfer service like Transferwise or Worldremit to save on fees although for a large amount there may be no saving on bank transfer fees.

To take money out of Thailand is a little more technical. I heard from an ex-bank manager that the best way is to transfer USD into Thailand and have it converted when it lands in Thailand into Baht to get the better rate and to show it came from overseas. So USD to BAHT account.

The Thai account should be in your own name.

When you want to transfer funds out of Thailand you need to prove the funds were transferred into Thailand with the documentation (keep a statement and bank book for this account). 

If you want to transfer out any gains this may be more difficult but probably possible and more beneficial if you can show tax payment receipts.

Having said this I have an idea..

Why not just send me the money, I will take care of it for you and when you have had enough of trying to even start doing business in Thailand (or dealing with your 'friends') in the very near future, I will send you the money back less a small commission for taking good care of it for you and you will save yourself almost 2.5 million baht.

????

No seriously though good luck and Im sure you do your own due diligence.

I sent in a TM30 for the first time about a year ago when i entered the kingdom from an overseas trip.

I wont bother submitting another one though if Im staying at the same address even if I exit the country and re-enter a year later.

Even If i visit the wife's family outside of Bangkok I wont send another if I plan to return to the same address a week later.

Eeek, having owned several motorcycles myself my hair stands on end watching this video. The biker had no chance, I just hope he was wearing full leathers and safety gear although I dread to think what injuries were sustained. 

3 hours ago, 7by7 said:

 

 

I would like to ask you, though, how you would feel if you and your wife were to move to the UK and she was denied employment purely because of the colour of her skin!

 

The speaking and listening tests should be; the initial A1 test is very easy and if you wife can't pass it then one has to wonder how she communicates with you; is your Thai any good? 

 

She would then have 30 months to improve to B1 for her FLR, 30 months where she is using, one hopes, her English every day, and the same to improve to B2 for her ILR. 

 

 

 I would feel extremrly disappointed if my wife was discriminated on her skin colour. I have nothing against anyone of any colour getting a job anywhere. I could not care less if one is pink orange purple or blue. You are twisting things around. My point is that it should be easier than it is for me to bring my wife to the UK to live with me when I intend to support her.

As as for myself and my wife and communicating, my wife speaks some English and my THAI is excellent as I have been here decades thank you very much. What has that got to do with anything.

You make many assumptions.

My point is it should be easier than it is since my wife has no experience with tests and exams at all although she is a strong and good person and a great cook. She speaks 4 languages but never done exams. What’s your point?

1 hour ago, theoldgit said:

..this thread is about the OP's visa requirements, not the perceived nationality of Border Force Officers.

Very true and correct and not correct of me to take the opportunity to vent frustrations.

The process is probably fair and I haven't tried it yet but it does look daunting to my wife. I digress.

14 hours ago, superal said:

You have hit the nail on the head and also carry the views of many UK nationalists . 

I wouldn't describe myself as a 'nationalist' at all, maybe there is a terminology mix up there although all I want is for the country of my birth and citizenship to allow me to support and live peacefully with my own family and without having to 'jump though hoops' to simply live in that county where I was born with my legal spouse who happens to be from 'outside the EU'.

Who knows, maybe the entry tests for English speaking, listening and 'Living in the UK' exams are a breeze for some people and the 7,000 pounds costs can easily be justified although my wife doesn't think so and neither do I.