Etaoin Shrdlu
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Everything posted by Etaoin Shrdlu
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Marriage Equality Bill Will Go to Parliament on Dec 21
Etaoin Shrdlu replied to snoop1130's topic in Thailand News
Yup! -
Marriage Equality Bill Will Go to Parliament on Dec 21
Etaoin Shrdlu replied to snoop1130's topic in Thailand News
Why not give gays the right to be just as miserable as the rest of us? -
One of my children had an expired first-time 2 year license and wanted to renew it before returning to university in the US. Couldn't get an appointment at the local DLT office in Bangkok in time, so went to another province nearby and managed to get it done. It would therefore seem that the system is capable of doing so, however each individual DLT office may have a different policy. Good luck.
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Dental Implants recommendations for Bangkok
Etaoin Shrdlu replied to Flow's topic in Health and Medicine
The typical time between having the implant inserted and the crown placed on it is usually between three and six months. My daughter had an implant and crown within the past year and the cost was around 75,000 baht. -
Embrace life now we are old
Etaoin Shrdlu replied to georgegeorgia's topic in ASEAN NOW Community Pub
One used to be able to find lawn bowls at the RBSC Polo Club. Might still be there, but don't know. -
As far as I am aware, Thai insurers only offer annual cover for health insurance. I think you will find this to be the case for health insurance from almost any major international insurer as well, although there may be niche insurers that offer such cover. I would expect it to be expensive in any event.
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US House votes to authorise Biden impeachment inquiry
Etaoin Shrdlu replied to CharlieH's topic in World News
With the Republicans in control of the house, especially with a religious zealot like Johnson holding the speaker's gavel, perhaps it's best that they aren't trying to make new laws. -
The only mandatory "insurance" is the Por Ror Bor scheme which provides limited no-fault medical along with death and disability benefits to people injured or killed in motor vehicle accidents. The benefits are quite low by Western standards. Por Ror Bor isn't liability insurance, so there is no cover for damage to third party property or actual legal liability for bodily injury. Thailand does not require real third party liability insurance for motor vehicles.
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*WARNING* AIS Roaming Charges while Overseas
Etaoin Shrdlu replied to Mr Meeseeks's topic in Mobile Devices and Apps
If you have an iPhone you can turn off data roaming in the settings menu. I'm sure Android phones have similar. I've never had a data bill from AIS while overseas while my phone's data roaming was turned off. Just make sure you turn it off before you get on the plane. -
Motorbike Photo's for Insurance.
Etaoin Shrdlu replied to NoshowJones's topic in Motorcycles in Thailand
There are many ways to commit insurance fraud and I suppose insurers can't stop them all. Photos would probably prevent the less determined and inspections would stop even more. Nothing is perfect. -
Motorbike Photo's for Insurance.
Etaoin Shrdlu replied to NoshowJones's topic in Motorcycles in Thailand
If you were to upgrade cover to include physical damage to the vehicle at renewal, you would almost certainly have to submit photos or let a surveyor take a look at your vehicle. Insurers aren't going to pay claims for damages that occurred before the relevant cover incepted. They make sure they aren't going to do so by requiring photos or an inspection if upgrading or if they are insuring a used vehicle for physical damage for the first time. -
Motorbike Photo's for Insurance.
Etaoin Shrdlu replied to NoshowJones's topic in Motorcycles in Thailand
If you are renewing an existing policy with the same insurer with the same level of coverage, there shouldn't be a requirement to submit photos. It is only when you either switch insurers or upgrade the level of cover at renewal that photos may be needed. -
Yes, good point. Remitting commingled funds that include income earned after December 31, 2023 does create a big problem under the new interpretation of the rules. We'll have to see how this plays out. I suspect eventually Thailand will move to taxation of global income, but that will require a re-write of existing tax law and may take some time.
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Good post. Thai tax rates get up to 35% faster than US tax rates, so it is possible for some people that their tax bill would be higher when paying Thai taxes, especially under a global taxation scenario. To some extent this would be mitigated by non-assessable income such as Social Security and/or military pensions as well as for those with really high income where US tax rates go up to 37%, although there are probably few Americans here that would fall into this tax bracket. There is also the issue of qualified dividends and capital gains being taxed at lower rates than ordinary income in the US, but not in Thailand. These are things to be aware of, but not lose sleep over. If Thai taxation of overseas income stays on a remittance basis, then it is generally easily managed.
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Motorbike Photo's for Insurance.
Etaoin Shrdlu replied to NoshowJones's topic in Motorcycles in Thailand
The insurance company wants to make sure that the motorbike doesn't already have accident damage from before they start their cover. They won't pay to fix damage that was incurred prior to the start of their policy. The way to prove that there is no existing damages is to submit photos. -
Just over a decade ago, when the IRS was blowing up Switzerland's bank secrecy, one of the dodges that they cracked was the use of debit and credit cards issued by Swiss banks to Americans to use in just the manner you contemplate. With FATCA and CRS, I think it would be even easier to get this info than it was 15 years ago. I'm not saying the Revenue Department will do this in a comprehensive way any time soon, but I don't think credit card or debit card info is beyond the reach of state actors,
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The 15% withholding that your US broker remits to the IRS is most likely not the actual amount of US taxes you will be required to pay. I think you will only get a credit against your Thai taxes for actual amount of tax paid as evidenced on your 1040 tax form and not the amount that gets withheld by your broker. Depending upon your income level, the actual tax you pay on your investment income to the IRS could be more or less than the 15% withheld.
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You're on the right track attempting to make your tenant contractually liable for damages that may arise out of their activities and you are correct that your tenant may or may not have the means to make you whole for any liabilities that may attach to you due to their negligence. A good solution might be for you to require your tenant to take out third party liability insurance that is suitable for the exposures generated by their activities at your premises with you named as an additional insured. In addition, you may want to look at getting your own third party liability insurance to address any exposures that can't be shifted to your tenant or which they can't (or won't) indemnify you. Third party liability insurance for these types of exposures is not expensive in Thailand. Also make sure that the property insurance covering your building is valid for commercial use of the premises and that the insurer is aware that it is being rented out and used as a restaurant. Discuss these issues with your insurance broker and ask for advice on how to best address them.
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