ericbj

As mentioned in my earlier post, the assets were sold in 2024. Are you saying that it is the capital gain since the date of acquisition some years earlier that is regarded as assessable income? Or the capital gain since the 31st December 2023?

My impression was wrong. The Department of Work & Pensions pension is the state, not the civil service, pension. It is weird that they penalise the lesser of the two.

I think you are right about the paper trail, i.e. UK bank statements showing receipt from DWP. But should not need to be sent monthly. I have money sent to Thailand as needed. This year just past more has been needed than usual

Useful to know. But my problem is this. In the course of the year in question I sold several gold coins, purchased a number of years ago and held physically in Singapore, whose proceeds were then credited to my account with the gold dealers in London, from where I transferred the money to my UK bank account, and thence to my Thai bank account. I should be able to prove the somewhat distant date of acquisition of the coins, i.e. the investment. But would the date of the investment be accepted as the moment the savings took place? Or the date of its liquidation and conversion into fiat currency? I think this question could arise in relation to many forms of savings, not just precious metals. For example, disposal of real estate. Which might concern a fair proportion of those moving to Thailand, perhaps some years after they move.

As of 31st December last I transferred, in the course of the year, from my UK bank account to my Thai bank account a total of 299K baht. Of this 240K+ baht (at recent FX 42B/£) can be said to come from my DWP pension and the remainder from long-term savings. I have two questions for anyone able to answer them. 1. I have the impression from what has been posted previously that the DWP pension is non-assessable. Is this the case? 2. What constitutes savings pre-dating 2024 ? I retain as little as possible of my savings in bank accounts of whatever kind. (I currently earn 1.6% on a 12-month deposit here in Thailand, and several years ago a fraction of 1% on a 12-month deposit in the UK - while at the same time the same UK banksters offered loans at just short of 20%. Inflation much exceeds interest rates and this seems likely to continue until a collapse of the credit economy causes a currency shortage) I believe in "real money" which more or less tends to retain its purchasing power over centuries, even allowing for transitory value depression caused by manipulation of the futures markets [Comex and LBMA] by the big commercial banks. Government "printing presses" have latterly been working overtime to flood the markets with their fiat currencies; since high inflation rates (possibly hyperinflation) are the only obvious way of reducing soaring indebtedness. Most of my store of value is in real money, with a smaller proportion invested in companies linked in some way to the laborious and costly extraction of this real wealth. A small portion of my 'store of value' has been liquidated this past year in order meet costly outpatient hospital operations and related expenses such as travel + hotels + restaurants. My question: can the proceeds of assets acquired pre-2024 and then sold during 2024 be regarded as savings pre-dating 2024, and therefore non-assessable ? ------------ Personal experience of Tax Office visits: I visited my local tax office on the 11th December to register for tax, bringing with me a bank savings-account book showing remittances from overseas. However after a prolonged interview with what seemed to be someone fairly senior, conducted largely by his tapping on a keyboard in Thai questions and answers that were then displayed on a computer screen in English. He seemed to think that if one is not employed in Thailand and does not have a business here, there were no grounds for requesting a TIN. He did say that he would photocopy my passport and bankbook. But in fact did not do so. After this fruitless interview had dragged on for seemingly eternity I excused myself and departed, saying that I would return. Yesterday, 30th January, I returned accompanied by a Thai friend, once again showing my passport and bank-book. The interview took a long time, the request to register for tax seemingly causing some confusion. But I eventually came away with my Tax Registration Card and a printed three-page form, PND90, partially pre-filled, in Thai. I shall have to ask my Thai friend (who is frequently busy and not always available) for assistance with that. I feel that if many foreigners are now expected to submit annual tax returns there ought to be translations freely available in commonly used languages (such as English, Chinese, Russian, etc.) Instead one is expected to pay 400 baht for advice on filling in their form PND90 so that they can collect tax: https://thailand.themispartner.com/document/personal-income-tax/ This could set a precedent for charging for advice on filling-in other government forms, such as visa applications, extensions, etc., in addition to the non-reimbursable charges for submission. Perhaps if so costly to produce this electronic document, the amount could be deducted from any tax due ?

In the interests of clarity and understanding there is a need to distinguish hacking from cracking: https://duckduckgo.com/?t=ffab&q=hacking+versus+cracking&atb=v381-1&ia=web Hacking is a necessary occupation, not least to increase security of applications, by advising editors of vulnerabilities in their programmes. Crackers are a malignant sub-species of hackers.

Surely you are not suggesting that some organism of the U.S. govt (such as the CIA, FBI, etc.) might be involved in international criminal activities ?

Two that state on their web-sites that they have vein surgeons: The Bangkok Hospital in Bangkok (MRT to Petchaburi Exit 1, thence hospital minibus to hospital every hour) The Yanhee Hospital in Bangkok (almost next to Bang-O station on MRT Blue Line) Visited four other hospitals before these and all four were useless.

There may be no hard and fast evidence of direct causation of polyps by heavy metals. But heavy metals can be associated with gut dysbiosis which can have many adverse effects upon the body. Such as causing inflammation of the intestines. (and incidentally gut dysbiosis has now been linked to mental problems, in addition to the problems caused by the presence of heavy metals in the brain itself) ----------------------- Distinct gut microbiomes in Thai patients with colorectal polyps. (/ article/distinct-gut-microbiomes- thai-patients-colorectal-polyps) Distinct gut microbiomes in Thai patients with colorectal polyps. World J Gastroenterol. 2024 Jul 21 ;30(27):3336-3355. PMID: 39086748 (http://www.ncbi.nlm.nih.gov/pubmed/39086748) Thoranin Intarajak, Wandee Udomchaiprasertkul, Ahmad Nuruddin Khoiri, Sawannee Sutheeworapong, Kanthida Kusonmano, Weerayuth Kittichotirat, Chinae Thammarongtham, Supapon Cheevadhanarak Thoranin Intarajak BACKGROUND: Colorectal polyps that developthe conventional adenoma- carcinoma sequence [, tubular adenoma (TA)] often progress to malignancy and are closely associated with changes in the composition of the gut microbiome. There is limited research concerning the microbial functions and gut microbiomes associated with colorectal polyps that arise through the serrated polyp pathway, such as hyperplastic polyps (HP). Exploration of microbiome alterations associated with HP and TA would improve the understanding of mechanisms by which specific microbes and their metabolic pathways contribute to colorectal carcinogenesis. AIM: To investigate gut microbiome signatures, microbial associations, and microbial functions in HP and TA patients. METHODS: Full-length 16S rRNA sequencing was used to characterize the gut microbiome in stool samples from control participants without polyps [control group (CT),= 40], patients with HP (= 52), and patients with TA (= 60). Significant differences in gut microbiome composition and functional mechanisms were identified between the CT group and patients with HP or TA. Analytical techniques in this study included differential abundance analysis, co- ???????????????????: ??? ??? ???????: ?????? ???????? ? Distinct gut microbiomes in Thai patients with colorectal polyps. https://greenmedinfo.com/article/distinct-gut-microbiomes-thai-patien... 1 of 5 1/28/2025, 10:05 PM Analytical techniques in this study included differential abundance analysis, co- occurrence network analysis, and differential pathway analysis. RESULTS: Colorectal cancer (CRC)-associated bacteria, including(),, and, were identified as characteristic microbial species in TA patients.associated with dysbiosis and gastrointestinal diseases, was significantly differentially abundant in the HP and TA groups. Functional pathway analysis revealed that HP patients exhibited enrichment in the sulfur oxidation pathway exclusively, whereas TA patients showed dominance in pathways related to secondary metabolite biosynthesis (, mevalonate);was a major contributor. Co-occurrence network and dynamic network analyses revealed co-occurrence of dysbiosis-associated bacteria in HP patients, whereas TA patients exhibited co-occurrence of CRC- associated bacteria. Furthermore, the co-occurrence of SCFA-producing bacteria was lower in TA patients than HP patients. CONCLUSION: This study revealed distinct gut microbiome signatures associated with pathways of colorectal polyp development, providing insights concerning the roles of microbial species, functional pathways, and microbial interactions in colorectal carcinogenesis.

In case of interest to some, I just found this : https://www.facebook.com/share/p/18wWTfWsNd/

Was this a crime, a misdemeanour, or a simple offence, of which the alleged culprit was apparently charged but not convicted? Of course one realises that Thai law likely lacks such classifications. But nonetheless the point is that there are differing degrees of criminality. His overstay of several days, as alleged by the police, might have been unintentional, arising from unforeseen circumstances. It would still have been illegal. But with mitigating circumstances. Moreover, did the accused resist arrest, necessitating the employment of violence in order to overpower him? Perhaps I look upon the matter from a slanted point of view. As a former native affairs officer in the New Guinea bush in the 1960s, combining various functions including that of officer of the Field Constabulary, RP&NGC, magistrate, and i/c the local Corrective Institution. (Leading to somewhat bizarre circumstances such as signing detention orders in one capacity to myself in another capacity). Convicted criminals had obligations but also rights, including rations, the same as for labourers but without tobacco. And they could not be subjected to violence. Nor could violence be used when making an arrest, except as necessary to overcome resistance. In an as yet uncontrolled area, it was forbidden to fire upon hostile villagers except as a last resort to prevent death or grievous bodily harm. Of course that was back in the bad old colonial days!

"Vladimir Putin, after 25 years in power, has left Russia weaker, poorer, and far removed from the rule of law. He has pursued policies that have sacrificed countless citizens, invaded sovereign nations, and waged a covert war against the West." Obviously written by someone who knows nothing of Russia under Yeltsin, nor of the precedents for the Russian attack; or else is an outright liar. This statement gives you advance warning that the article is propaganda at its crudest.

A long monologue that tells us the USA is NOT a democracy. Therefore the question needs to be re-phrased.

Those who think NATO countries should increase their military budgets by a few percent to be able to confront the Russian Federation on the battlefield are likely grossly underestimating the financial requirements, and the strains to be imposed upon their already extenuated economies. https://www.statista.com/statistics/1333250/wwii-military-spending-share-income/ Western Europe is currently governed by economic imbeciles, for whom diplomacy is an unknown art. And as if that is not enough, they are also unable to master the arts of war, which are supposed to be an extension of diplomacy. Post-Soviet Russia was never a threat to Western European nations and in fact sought closer relations with them. Then Atlanticist aggressive anti-Russian propaganda and menacing expansionism forced the Russian government to reconsider its position. At the same time, by arousing patriotic sentiment, NATO threats have encouraged greater public support for Putin's government. The opposite of what was intended. Even now, I do not believe Russia seeks to overrun western Europe. They are not that illogical. There were years of deliberate NATO provocation and, finally, a powerful Ukrainian striking force assembled and softenng-up barrage unleashed, before Russia resorted to a pre-emptive military strike. Those that fail to understand this should study the sequence of preceding events. Of course there were other ramifications that led to the decision-making. Does anyone believe these days that NATO interventions in the Middle East, North Africa, and South-East Europe were all about human rights and democracy? Western official and MSM narratives seek to indoctrinate Western Europeans into believing this fable of a nascent Russian expansionism, projecting onto Russians the characteristics of the accusers. If the war-mongering propagandists carry on hard enough and long enough about Russian intentions of overrunning NATO nations, perhaps one day the idea might take root and have them say to themselves "Why not do it?" But the way things are going they will not need to. West European nations are self-destructing.

I have been using iHerb for many years and have found them fast and reliable. One factor that further cemented my loyalty to them was when, some years ago, I heard a nutritionist say that iHerb have the products independently analysed before they will offer them for sale. Not for effectiveness. That would be highly challenging. But to ensure that the quantities of active ingredients correspond with the claims of the manufacturer. The informant said they were the only supplier he knew of that did this; that products that failed to meet the manufacturers specs were rejected; and that a few products contained zero quantity of the claimed active ingredients.

You could well be right, the way things are going at present. But it is not ineluctable. A determined few with a clear vision of what is needed can change the course of history. The drone society was created in large measure by self-interested politicians who seek votes, while at the same time garnering the sponsorship of the rentier-capitalists (financial spoilers, not constructive builders). Such politicians are the antithesis of statesmen. One must try to distinguish those who seek to draw benefits from society while contributing nothing from those who contribute as best they can but who may need some support at times. As during inevitable economic downturns. E.g. when Winston Churchill, as Chancellor of the Exchequer in 1911, in Lloyd George's Cabinet, laid the foundations of retirement pensions and unemployment benefit, these were contributory benefits for the labouring classes, little able to organise such things for themselves. Contributions came from workers, employers, and government. Churchill was of course ostracised and vilified by his own class. And he would continue to be disdained long after by the Thatcherites and their asset-strippers. https://www.oxbridgenotes.co.uk/revision_notes/economics-university-of-cambridge-political-aspects-of-british-economics/samples/churchill-and-the-welfare-state-essay Economic cycles have always occured, way back in history. We are in a pickle right now because our governments think they can break the cycle. They are simply storing up much greater chaos and distress for when their efforts finally meet dismal failure. I suspect that moment may be near. One of the failures of vision of so-called socialist governments is a failure to appreciate that well-being requires a substantial measure of material wealth. Which is derived from productive work and commerce at all levels of society. It cannot be created by government edict.

Maybe you have forgotten, or perhaps never knew, that JFK wanted to dissolve and replace the CIA precisely because they deliberately misinformed him.

Another prediction - not mine: https://internationalman.com/articles/how-to-survive-the-great-taking/ Use your own judgement.

According to Jim Rickards: "1. MARKET MELT-UP. Markets are at or near all-time highs based on every available metric: P/E ratios, CAPE ratio, market cap/GDP ratio, concentration risk, etc. This is accompanied by indexing, investor complacency and analyst euphoria. When such conditions have existed in the past, they have always been followed by market crashes of 50% to 90% unfolding over several years. Examples include Dow Jones (1929), Nikkei (1989), NASDAQ (2000), and S&P 500 (2008). "We are now positioned for an historic crash. The specific cause does not matter - it could be war, natural disaster, a bank or hedge fund collapse or another unexpected event. What matters is the super-fragility of the market when the trigger is pulled. This is why Warren Buffett has over $300 billion in cash and why central banks are buying gold. Prepare now. Don't be the last one to know. "2. A U.S. RECESSION IS COMING. There are ample signs that the economy is headed for a recession … . "3. CURRENCY WARS ARE BACK, AND TRADE WARS ARE COMING. … .

'They' want you to believe these things ended long ago. But individual mind-control continues unabated, more sophisticated now. Check it out on uncensored media channels. "Conspiracy theorists!" some will say. Not sure who first coined the term. But it was popularised by the CIA to discredit those who disbelieved the 'single-shot-from-behind' official narrative of the killing of JFK. Which is now discredited by available photographic analysis of the multiple bullet wounds to the head. Despite doctoring of the photos. And as regards mass-mind control, hands up those that still disbelieve in it.

A book that might help to enlighten the debates surrounding Covid-19 as well as offering insights as to how to deal with future pandemics: 'Disease X' https://philipmcmillan.substack.com/p/disease-x-book-reviewed-by-ai Have not read it, so cannot myself comment upon it. Merely drawing attention to its existence. Several years ago I heard Bill Gates tell us to expect another pandemic in 2025; and thought initially the WHO's failed attempt to ramp up the monkey-pox narrative was the prelude to this. Have no idea whether Bill Gates' spiel is still on-line, and if so where. But clearly to judge from his promotion of Event 201, which took place in October 2019, he has an uncanny ability to foresee potential future pandemics: https://www.weforum.org/press/2019/10/live-simulation-exercise-to-prepare-public-and-private-leaders-for-pandemic-response/ It seems Bill G.'s collaborators on Event 201 have restricted access to one of their learned papers, so we have to go to archive.org to recover it: 'The SPARS Pandemic 2025-2028' https://ia902805.us.archive.org/25/items/spars-2025a-2028/spars 2025a2028_text.pdf

"Why in the world would we still be talking about Covid?" "You must read between the lines."

Sounds like you have a pretty healthy life-style. Fermented foods, correctly produced, are extremely rich in health-giving bacteria. Probiotics marketed by the big drug companies contain a few million bacteria per dose according to the manufacturers' specifications. However doses of at least several billion are said to be necessary to be effective. To produce such concentrations is expensive and it is obvious that few people will pay the necessary prices. There are specialised companies that produce high-potency probiotics for a limited market, at high prices. Long-live fermented foods! Many more people than realise it have fungal infections these days; commonly of candida albicans, starting in the intestines. I first learnt about it when working as an unpaid volunteer in a cancer centre. According to the doctor and nutritionist who founded and headed the centre, "candida overgrowth is found in 100% of cancer patients". Candida occurs naturally in the digestive tract as a yeast which participates in the digestion of proteins. But if excess space is created around it by killing off the bacteria that help to keep it in check, it can spread. And in so doing transform itself into a filarial fungus. … [dragged away to a New Year's Eve party! 🙂 Home the following day] … The candida threads attach themselves to the intestinal walls, causing perforations in the one-cell thick lining which restricts passage into the blood-stream of all but the smallest molecules. The result is hyperpermeability of the intestines, commonly referred to as "leaky gut". Leaky gut means that macro-molecules of half-digested or undigested food can pass into the blood. They are recognised as foreign bodies and immediately attacked by the immune system. However, as the leaky gut develops, the situation deteriorates, with the immune system being slowly overwhelmed. Intolerances to foods that were previously well tolerated can develop. Eventually the candida itself may escape to infect other organs throughout the body. Some oncologists have even claimed cancer to be a fungal disease. But this is probably an oversimplification. Cancer cells are constantly formed within all of us. Tumours develop when the immune system is so weakened as to be unable to deal with the constant threats to the body's integrity. p.s. https://greenmedinfo.com/disease/respiratory-infections

I agree. But would add this: Antibiotics have likely saved millions of lives. (An uncle of mine suffocated to death from quinsy at the age of 21 in 1925 - likely avoided with penicillin). But antibiotics have probably contributed to the premature death of hundreds of millions. By the immeasurably slow process of undermining the immune system. Why? Because administered orally they habitually cause dysbiosis of the gut; and our intestinal flora are the first line of defence of the immune system. (The second line of defence is the 80% or so of the immune system's killer cells that are said to hang out, every time one has a meal, on the other side of the intestinal wall. Make sure to consume live (unpasteurised) fermented foods after a course of antibiotics. Oral antibiotics are not the sole culprit. Blame must also go to ultra-processed industrial foods containing bacterial-killing preservatives, the chemically-contaminated nutrient deficient products of modern farming, excess sugar and lack of prebiotic soluble fibre in present-day diets, etc. Finally: antibiotics encourage fungal infections. They are these days synthesized, but mostly derived from fungal secretions.

Let those who wish to be vaccinated be vaccinated. Let those who wish to wear masks wear masks. And the converse should also be true. If you search Google you will find endless support for the restrictions imposed by officialdom. But Google, once relatively unbiased, is known now to shape its search algorythms to suit its financial interests. And even respected academic institutions must keep an eye on their bottom line. Studies support both sides of the arguments regarding vaccines, face masks and lockdowns. But there can be little doubt that there has been criminal negligence, at the very least, where those suffering from mild Covid have been turned away from hospitals without any form of advice except to return when the disease becomes serious. And many similar such mistakes. If errors they were. The Covid virus is a large, heavy one, as viruses go. Spread largely by contact. And fragile. Soap and water kills it. No need for toxic hand-washes. Not airborne except on droplets of spittle. About 30,000 base units, it is said. Whatever base units may be. Subject to faulty replication, i.e. mutation. Nothing like the wee polio virus which has only produced two or three mutations during its long presence amongst us. According to one report "a moderate positive correlation was found between mask usage and deaths in Western Europe, which suggests that the universal use of masks may have had harmful unintended consequences." Nothing conclusive there. But I tend to disagree with the possible reason they offer for this. According to the F.L.C.C.C. doctors and healthcare professionals (about 600 of them internationally) they had zero deaths amongst their Covid patients as long as blood oxygen was maintained above 78% (the norm being 95 to 100%). Masks, depending upon type and upon the individual, can reduce respiratory oxygen by up to 20%. Just a personal footnote: I am unvaccinated (as regards Covid), in my 80s, with co-morbidities, contracted what was probably Covid in October last year. This was long a "dark red" province, up on a border not recognised by Covid, nor now by the cholera. Three days of hell in bed, knocking back doses of the vile CDS. Up on the fourth day. And cycling into town on the fifth for lunch at my favourite tea-room. Viruses have been with us for millions of years and can be knocked on the head. The means are not lacking and the cost is negligible.