J Branche

The deductible is thought of as a way to Save a little money for people who rarely need Medical Treatment or for who medical treatment would be less than or equal to the Savings from the deductible, Example Only. Deductible is 20,000 baht Original Premium 50,000 Annually Deducible Discount 8000 baht Premium 42000 baht Deductible 20,000 You may spend up to 8000 baht and Break even. But wait there is more. Some Health Insurance Offers a discount Example 5% for No Claims in 1 year. (I believe if you are paying within only the deductible that is considered No claims) Check with your Insurance Broker. 1 yr No Claims Policy Renews within same Age Bracket Next Years Premium 42,000 X .95 (or 5% disc) 39,900 Baht a 2100 savings. As you can See NO ONE on this Internet knows. You know your health needs and costs bests. Time for a little Maths to figure your needs.

This is why we need to be clear, specific and have a will filed correctly in Thailand. We all need to understand that our relatives may leave or not leave or leave just a portion of property, asset, or money to whoever The Giver decides. Unfortunately there is usually a lot of I did this work, helped you with something, or entitlement of a son, daughter, wife, husband, etc. That thinks waiting until after someone is Dead to settle any debts is wise. Sad event, hopefully we can all learn something and do better in the future.

1st this is Not the place to answer these questions. Thai Revenue Dept has still Not answered these questions as of this date 1 9 2023 that I am aware. 2nd. The first 60,000 baht, first 150,000 is No taxes as it is a standard deduction under current tax rules. 210,000Baht You are US citizen, US Thai Tax Agreement and how Thailand will apply tax to certain US Foreign Income is Not decided, yet. I would talk with trusted CPA Accountant, maybe Thai Tax/Law professional until Thai Revenue Dept provides details for US Foreign Income. Remember you are not a tax Resident of Thailand until 180 days or you meet criteria defined in US/Thai Tax Agreement

This is a Tax Bracket based on Thai Earned Income. This will need to be changed Foreign Earned Income by Non Thais is 2x, 2.5x, 3x, this amount for paying the same tax percentages. First Thing the Government needs to understand is the Wealthy can afford to pay the smartest Accountants, Lawyers, and Strategist to pay only the minimum that is required. Taxable Income per year(Baht) Tax rate 0 – 150,000 Exempt 150,000 – 300,000 5% 300,000 – 500,000 10% 500,000 – 750,000 15% 750,000 – 1,000,000 20% 1,000,000 – 2,000,000 25% 2,000,000 – 4,000,000 30% Over 4,000,000 35%

Back on Topic. Pattaya still good prices for living (rent, food, transport, entertainment) If you are willing to look or ask it has a lot of activities not talked about a lot (wake boarding, dirt bikes, side by sides, aquarium, mini zoos) Cheap clothes at the markets, some good shoes ( most I add 40 baht insoles, 40 baht gel cushion)Still friendly, helpful, people working about. It is safe and theft and robbery compared to the USA is very low. Most Long Term Pattaya drivers are good (blinkers, rarely slam on the brakes, understand how traffic flows with motorbikes, etc. People generally try to live in Harmony. If you like warm, sunny days you found the spot. Things that could improve (local government) is easier availability of who and what department to call for potholes, street sweeping or clean up, dangerous lines hanging down.

If 800,000 baht is allowed to be kept in foreign fixed rate bank account You would need to monitor the Foreign Currency? To Baht conversion rate possibly dropping 1 or 2 percent This is fixed deposit and if you are changing the amount The Months Immigration allows If you setup Baht currency alerts for when it rises or drops you can better transfer money at Higher Exchange rates and earn some interest while it is sitting in the Thai Bank. To clarify you would have two or three months safety net money in your Thai account to live off until Hopefully the conversion rate is favorable.

As stated Read your home country DTA Double Tax Agreement. For income from rental properties in the US and from stock, bond, ETF investments were that money will be transferred into Thailand Our tax situation is different. We should speak with our accountant to understand, plan or make any changes for the desired performance of our investments. Understand You may have to keep, present, and prove the source of your income that is transferred into Thailand No matter what your situation. This clerical burden is your to complete.

Some tips I've seen that may help. Indicate with your hand up, maybe moving it around, look for a lighted part to cross, obvious but cross with others. Go during daytime. All the rest of the 11 point checklist before crossing the road. If it was like someplaces this holiday weekend is it better to order Grab, Bolt, Lineman or do it another day. Agreed we start anticipating what drivers will do and let our guard down some. You only need to be wrong one time.

Focus on your tax strategy. Understand that if you have a partner (Each) is allowed the same basic (Single, Married, Health, Life Ins (Thai Comp) deductions. Your income is Not combined for tax determination. (You start at lower tax bracket when income is more equal) Focus on reducing your foreign income (non retirement, pension, social security)brought into Thailand. (If you are close to the next tax bracket (5%)increase, strategize ways to meet the lower tax bracket amounts. Review your countries dual tax agreement. A tax resident is allowed deductions, (single payer, health insurance (Thai Comp), life insurance (Thai Comp), some gifts to (Education)certain people) Verify with Thai Tax Expert Discuss if Business deductions (expenses) are allowed for foreign sourced income. If I am a US citizen and I am able to equal the tax rate paid in US or reduce the foreign income to only pay the additional tax rate to 5% the Thai Tax changes become less concerning. From what is Currently being interpreted for Foreign sourced income, a Foreigner, bringing foreign income into Thailand may not be a tax resident until residing for 180 days. Transferring income by end of 2023 is important. The Wealthy Thais are paying experts to strategize to reduce their Tax burden. I believe their will be more answers in the Jan, Feb 2024 to help navigate the tax laws Before the 180 days in Thailand (Tax) Residence is met.

I think sometimes we waste to much time on finite details. Focus on what are your deductions, what expenses can you deduct. Rental property deductions and expenses. Get professional interpretation of Gift Tax (I believe this only benefits the receiver of the gift)(Education was an option) If you have Health or Life Insurance with a Thai Company you can deduct up to a certain amount. Talk to highly respected Thai accountant to understand your potential tax bill. The income tax rate table (brackets) are based on Thai not Foreign Income. If your girlfriend can work and contribute they will usually pay less tax. Each tax payer is allowed the deductions and the Thai worker will usually be in the lower percentage tax brackets 5%, 10%, 15%. Foreigners may reach the 15%, 20%, 25%, 30% brackets because of the foreign pay rates and sources. Focus on if you have ability to grow and earn money in your home country. I believe Thai Tax law is only for income brought into Thailand. If you need X to live a year, transfer X to Thailand, invest in your home country and let it keep compounding. There are many options available to be in compliance with Thai Tax Law. I discourage posting on a public forum any options that may fall in a grey area. I have heard a creative idea or two from others since the talk of this foreign income tax.

The Dental Design Center next to Central Mall did a root canal on my girlfriends tooth, did a couple of fillings 18 months ago and she is happy with the work. The prices are a little more than some places but they have advanced, quality equipment and do great work. As for implant depending on your jaw bone strength and thickness will determine the cost. If needed they may recommend PRP or Plasma Rich Platelet surgery.

Bought the girlfriends daughter who is a teacher some English lessons. She is doing well and can read and speak good. Her son stays with us on break and I make him do 15 minutes of learning games to try to help. I think we all want the best for the children and future of Thailand

Girlfriend just bought some new mosquito nets for her family. I was getting bitten on our recent visit. Happy to buy them to help out. Regarding travel insurance some are comprehensive. You can usually find a travel medical policy that is cheaper. Hope he gets well soon.

No. Who will make sure no one steals the sofa. But joking aside this is up to the individual. Some have no problem working and keeping busy a few others will be on the phone constantly and expect you to make all the plans.

Here's how it would play out. They say they gave Breathalyzer to person. Bars says, person was Okay and must have stopped at another bar and consumed more alcohol. Actual events, once patron is out of money stop serving him and throw him out.

Our condolences to the families. Most here have taken a Minibus Once. Reckless driving, speeding, following to closely, crammed to max capacity. Rolling coffins looking for their final resting place.

Do Not Intervene in Thailand. Take small video. Call Police, stand back enough to not be seen as being involved or object to release anger on. This is Thailand, learn, observe and how Thai's act, they are actually a little predictable.

Thaiger story read like normal Sick Buffalo money requests. Surgery, Money for School, etc. No disrespect but if I am paying any concerning amount I am going to require proof. Even ask for receipt photo. 3.5 million is a lot of money to many Thai people. Hopefully he finds trusted friends or resources to use to help guide and avoid these types of situations in the future

With a Behavioral Psychology and having lived in Thailand long enough. They do appreciate the gifts but the giver is believed to receive good luck in return. Also Thai people are generally more introverted and so less dramatic outward appreciation. Lastly, Thai people do not have strong math or Value of money abilities. From some regions of Thailand parents have not taught them how to plan, save, budget or how to avoid the psychological marketing appearance of value. Buy 1 Get 1 but the price is higher on the 1 item than it's original price. Buying small gifts for their family that they need or makes life easier for their parents seems to make my girl happy.

For those looking for a Thai friend or relative I have found success talking with Thai people (Building Security, Cleaning People, Massage Workers, Motorbike Taxi drivers) These are generally rooms in buildings mostly Thai's reside, no view of water. Make sure to ask about parking or if it has air conditioning or fan.

FYI Check if they are familiar with shipping to Thailand and watch out for DHL. There is an Import tax and a certain tax to be prepaid. I've read customs will pick any price off the Internet if the receipt and/or value is not declared. You buy something on Sale they may want Full Retail tax on item.

Biased and Flawed Poll. People are individuals. Your selections are limited to group answers. No one who responded could answer the question. They would need to talk to many different Thais in many different regions. How about anyone who has studied psychology (Behavioral), speaks fluent Thai and is foreigner or Thai's who speak good English. Ask. What behaviors and qualities do Thai's appreciate from foreigners. What behaviors and qualities do Thai's dislike or causes Conflict (state of disharmony or disagreements).

You do know you can make copies of the TM47 and sign the pages. About 3 minutes prep and work to stay up to date. It is funny you created this topic and typed your rant in the same amount of time it would have taken to complete your 90 day report. You do realize that this is not the contact page for Thai Immigration to inform them that you are not happy.

Just in time for high season. I'm sure the tourist will still find something to complain about even if the bars are open until 4 am and ladyboys are hiding.

I used a folding solar panel and plugged it into a portable solar charger or battery and did this. The bonus of the solar battery for reserve is if it's cloudy for many days and /or power is out you still have the battery.