AverageBloke

Does any one no whether cbd or the higher thc would be more beneficial for pain ?

I'm trying to avoid prescription medications because they often have unwanted side effects and I'm just exploring alternatives. Also, can it be purchased in an oil based form because I'd rather not smoke nowadays....cheers

7 hours ago, Goat said:

 

2 hours ago, 473geo said:

Well well it appears I must say this again ????

Conditioning that one is superior regardless of race colour or creed does not make one a racist, so one can only question the validity of such ignorant comments remaining on the thread, takes allsorts to display such ignorance I guess 

On the contrary, I  would say that most racists are conditioned to be that way. And in my mind that is still no excuse for their poor judgement, as adults we must take responsibility for our actions.

19 hours ago, still kicking said:

People on this forum gives me the creeps, cost of living has gone up all over the world not only in OZ wait till you move to LOS.

Im not sure why you would have the creeps but each to their own.

I was in Thailand 2 months ago so I have a fair idea what's happening over there but I'm certainly no expert and im always happy to learn more from others, that's part of the reason I'm on this site. 

Good luck with everything in the future and I hope everything goes well for you. 

Inflation in Australia is supposedly running about 7.3% but my shopping bill has increased by double that rate.

All the necessities, food, accommodation and energy have really been slugged and there doesn't look like much relief in sight. I'm fortunate because I have my own home but people in my area are paying $250 or more,   just for a room. There's a lot of people doing it tough here at the moment  and I don't think we've seen the worst of it yet. 

I'm still hopeful of making the move to Thailand next year but as usual my timings probably not to good. 

I'm currently living in Australia (in my own home) and I find I can manage an adequate lifestyle, but if I had to pay a mortgage or I had to pay rent I feel it would be quite a struggle, especially with the increasing costs of food, fuel, and energy.

My Thai girlfriend and I have known each other for about 5years and we travel back and forth to each other"s countries but I want us to settle together in one place in the not-too-distant future.  I was wondering if anyone could help me with this question. If I sell my primary residence in Australia and I buy an apartment in Thailand will the Australian government recognise this as my primary residence or are all my assets counted against me if I make the move? I'm asking because this would put me over the Centrelink threshold and it would mean I would be in the somewhat risky position of needing to find investments to not eat away at my capital. 

9 hours ago, Mr Derek said:

 

On 2/4/2022 at 9:38 PM, SAFETY FIRST said:

 

On 2/4/2022 at 9:38 PM, SAFETY FIRST said:

Something to note 

 

Wise is no longer doing business with Westpac and St George Banks

I transferred money from my St George account via Wise 3 weeks ago. Is this something new?

15 minutes ago, TheScience said:

The discussion sidetracked a bit here. No idea about the Aussie stock market but US is pretty precarious. Just a few stocks distorting the market.

 

There's going to be inflation if it's not here already.

I apologise for the sidetrack....it was a question I'd been dying to ask. Regarding the stock market, I've been sitting on the sidelines waiting incase of a correction but the bubble just keeps inflating.        Also, good luck with your purchase, by the sounds of it you have a great lady so I dont think you have to much to worry about. 

1 minute ago, 4MyEgo said:

If you leave your money in Australia, investing in the stock market, all stocks paying dividends already pay the tax for you, so if you sell them, buy, sell as I do and of course keep some paying dividends, you pay no capital gains tax as well.

 

I survive on 70k baht per month which includes private health cover and that is a family of 6, place and car paid off of course.

 

Perhaps time to talk to a professional, I did, then after 3 years took over myself, it's a roller coaster of a ride but I am currently making 8% nett annually on my money in this climate.

Thank you so much for your feedback. I will 100% look into some professional assistance. There would only be myself and my girlfriend and the 80,000 per month would be after 1 built a house and purchased a car. I'm guessing ill have to put aside 5- 10,000 per month for health insurance but after hearing you can do it with 6 mouths to feed  I feel a little more assured that I can make it happen...Happy Xmas

2 minutes ago, 4MyEgo said:

Totally agree with what you are saying.

 

It all boils down to where you want to live, how much your prepared to lose.

 

Personally we both wanted to live in her village as she has family here, they do not bother us, but I can understand being close to family is important, even though she sees them rarely, the fact of the matter is, they are close by.

 

I decided to build a house on the land I purchased her back in 2007 for 200,000 baht about 1,000m2 with a 20 metre frontage, total build with land 2 mil, I get to live in this huge house, which I thoroughly enjoy and if it all went south tomorrow after 15 years, easier to walk away from it all, my gift to her as she would have to look after the kids and they would have a comfortable roof over their heads.

 

Only invest 10% of what your prepared to lose is a good guide and keep no more than a million baht in any account in Thailand, the balance overseas in investments earning an income stream, therefore she cannot make a claim on it.

 

Have a will in place, and when I am gone, she can have it all for the benefit of her and the kids of course, along with the life insurance policy.

 

Fair is fair.

 

 

I would like to follow the exact model you've laid out but Im unsure how too make my money work for me overseas. I don't want to waste another 4 years in Australia waiting for my pension but everything I read suggests we are heading for an economic downturn. If I can find roughly 5% I figure i could probably live comfortably in Thailand on 80,000 baht per month. 

Just now, BananaGuy said:

Wow 3 months is remarkable, I’m in NSW too, between Nowra and Woolongong and lots of hospitals and told to expect 1 year+ wait.

 

Can I ask where in NSW you are? I may move.

Yes, I'm in Northern N.S.W near Ballina. I was very surprised because I  was expecting a wait of at least 12 months. They said the cataracts had developed  quickly and hence the 3 months time frame.... Good luck down in Nowra its a nice place to live....I lived there for 10 years. 

I'm in Australia but I asked my girlfriend to get a quote for me from a doctor in Mahasarakham and I was quoted 25000 baht per eye. In the meantime I got a referral for an appointment with a local ophthalmologist here in N.S.W and they have scheduled me for a procedure within 3 months for free and then 3 months later for the second eye. 

1 hour ago, Captain Monday said:

Western governments claimed if we can get to "herd" immunity we could return to normal. Delta changed everything. I get Australia ABC on my cable service here in Thailand now the PM is making little more than vague promises of ANY loosening even IF they get to 70 percent. In my country USA the deplorables,  up to 30 percent have the best vaccines served free on a silver platter, they absolutely won't take it. That "herd" will be thinned out. Israel, Iceland, isolatable islands like Guam everywhere they got high vaccine acceptance there are huge spikes. Lock downs don't work, unless they are so strict most regions cant bear them, and they only prolong the inevitable. We are all going to get it or be exposed to it and it will become endemic for out lifetimes unless there is some new vaccine that blocks all corona viruses. Ever heard of the common cold?

 

Yes vaccinate of course to reduce hospitalization and death but the virus is not going away. There is no herd immunity. Got to change the strategies and governments need to change their messaging Return to normal  economic life and open all borders while making the best effort to protect the vulnerable. We have to learn to live with it or this madness will never end.

Correct, vaccines do reduce hospitalisation, so the smartest move is to try to get to 70% of the population vaccinated asap. The economy won't magically flourish if there is a rapid increase in deaths. Trying to save money buy stalling on vaccine procurement is what caused this mess, they need to spend money supporting the people or else they will just continue to sink further into the mud. 

3 hours ago, Kalasin Jo said:

A good or bad investment? It offers no return of course other than the price you sell against the price you bought  which could like any investment be a loss.

Much depends on the state of the world. And who can say? When everything else and everywhere looks unstable people turn to gold or diamonds. The price of gold shot up at the start of the pandemic and has remained high. Unfortunately for me I sold a substantial holding in the European market just before the pandemic kicked off. I made a reasonable profit on a 9 year investment but had I waited a little longer I would have doubled that profit......but who knew?

 

If the pandemic recedes, and stock and property markets rebound I expect to see gold fall back significantly. Buying now might be at the peak price..

I'm not so sure the stock market can remain strong.The federal reserve can't keep printing money without causing massive inflation but they also can't stop printing money because they need the low interest rates to service the debt. With all the upcoming uncertainty, gold seems like a pretty viable place to invest...The next 12 months are going to be very interesting.

How sad to read comments from well fed people criticising those who do not have enough to feed their families. 

3 hours ago, rwill said:

That their are people who believe that the government is going to resign or dissolve makes me laugh.

I think it may possibly happen but the replacement could actually be more (shall we say) resolute.

7 hours ago, Sydneydave said:

Wow! As an Aussie, to comply for an over 50 visa, I need to be earning over $54,000 a year ($40k USD) and buy a property for $330,000 AUD!

The whole point of me retiring to Thailand would be because Australia's more expensive. Yet here, I can buy a beautiful 4 bedroom house near the beach for $400,000 and work in a job that will pay at least $40,000 a year, which is enough to live on.

In Thailand, I'd be hard pressed to earn $10,000 a year, if they even let me work and there doesn't seem to be a decent yield on any businesses there, for the high purchase cost.

These super rich foreigners are mostly a figment of Thailand's imagination!

Please let me know where I can buy a 4 bedroom house near the beach for $400,000 and I'll jump at the opportunity. My old 3 bedroom house is 15ks from the beach and was valued at $700,000 two months ago. 

59 minutes ago, Antonymous said:

We have no idea what was said to fire up the Win, but it is a safe assumption that it might have been something pretty awful.

 

Looking at the photo of him (the Win) he doesn't seem to be in a remorseful pose, so perhaps he feels justified.

 

We read every day on TV about pedophile behaviour and the hang 'em brigade get all excited about that, having no qualms at suggesting the perp is castrated or worse. So think for a moment: what if the tourist at 2am and drunk asked the Win to find him a 'little something'. how might you have reacted?

How can you justify your words when you have absolutely know idea what transpired. Perhaps you should take up story telling for a living.