Keeps

I'm not sure about that. I get where you are coming from but he is not as argumentative as the multiple personality retard you mention. I was thinking his new incarnation may have been NowNow. His posts fitted the profile more and as per ST/BN/Dolf et al, very argumentative/juvenile and dropped out of sight when he had to go back to Aus once he had blown his meagre budget.

This thread removes any lingering doubt some may have had that MalcolmB is indeed the Aussie prick previously known as GOAT.

Anyone else's pee smell of sugar puffs (breakfast cereal) after a night on the beer? I'm very much hoping it's not only me....

But the Aussie players make up for that themselves by cheating and getting caught.....

I fly the EVA LHR-BKK-LHR route up to 6 times per year and have done for over 20 years. I have never experienced this once so it would seem that yes, you were just unlucky. Not saying it doesn't happen but it's certainly not the norm.

Don't forget Rolf Harris.... I wonder where he got the inspiration for his smash hit 'Two Little Boys'?

I think 500 baht to the guy who takes care of the packages would be appreciated. The doorman, maybe 200 baht if he has no real impact on you, 500 baht if you do want to keep him onside. It's a worthwhile amount working on the assumption other residents may be giving something similar.

I don't know about deliveries. I always go in person as I like to see what I'm buying (and to see if there is anything else I fancy) and it's also on my morning route march.

The UNIrish bakery next to and owned by UNIrish sports bar on Ratvithi Road (near Thapae Gate) does a very decent English crusty loaf. Both white and wholemeal. 50 baht for small and 80 baht (I think) for large. They will slice it for you if required. They have a fairly wide selection of other bread and rolls. Best to get there early though (opens at 9am) as they sell out quickly some days.

It wasn't the smack on the ar$e that hurt, it was the look of disappointment on my parents face when I had done something wrong (combined with not getting any dinner as I was a bit of a chubster in my younger days). Nowadays, no sense of shame shown by a large number of youths. Generally, just utter contempt for their elders.

It's all the Aussies rampaging around that is the problem. The likes of MalcolmB and his ilk are ruining the place for the decent tourists like the Brits and Swiss etc. I wish they would just stick to Bali.

A profound post which certainly resonates with me.

Her nickname is the same as my response to my local Roti Pancake seller when she asks me what toppings I want. 🤔 " Umm, Nutella"

Last year she asked for something that goes from 0-150 in under three seconds. I got her a set of bathroom scales.... That didn't go down too well so I thought I'd make a bit of an effort this year.

Got one of these for the Mrs for Christmas. I shall tell her it's one of them robot vacuum cleaners and then retreat to a safe distance.

What do you mean there is no news out there? The link to the original article is 3 posts above your post. You could always have a read and then make your judgement/comments.

Link to original article:-

Stocks and Shares ISA, Cash ISA and SIPP. The ISA's are tax free and I can move money from the SIPP into drawdown taking 25% tax free. This combination currently provides the income I require. I have not taken any income from the drawdown pot as this would be taxable although I could take my annual tax free allowance of £12,570. I can also churn some of the money taken from the SIPP into the Stocks and Shares ISA to reduce my tax liabilities going forward. At some stage I will need to pay tax but hopefully not too much. I am still 11 years away from state pension age. Of course, tax free rules could change in the future but this strategy works for me currently. I currently spend approximately 5 and half months in Thailand each year with the remainder in the UK.

Could also consider applying for a Barclays Cash ISA which you could deposit £20k to before April (assuming you haven't used your annual allowance already) and same again a week or so later (new tax year). Can currently get 3.85% fixed for 18 months (and all tax free within an ISA) or I think they are offering 4% for a one year fix.

I am earning 5.12% on Barclays Rainy Day Saver account but only up to £5,000 limit. The rate then drops considerably over this threshold. I set the account up via online banking but I have Premier Banking which I think is the reason for the enhanced interest rate. I also use SAGA and Newcastle Building Society for larger amounts with decent rates. My circumstances are different to yourself. I split my time pretty much equally between UK and Thailand but would currently view my residence as UK. I pay no tax in the UK, nor elsewhere. I am 56 years old but retired. I have structured my finances in such a way that currently, I do not pay tax in the UK. I envisage this to continue until I am of State Pension age. I appreciate that this is not really of any help to what you are trying to achieve. Have you looked at any of the APP only savings accounts mentioned on moneysavingexpert? I assume they will still ask the pertinent questions but maybe worth a look?

I had a quick look at the below link earlier. I will look at in more depth when I have time. Might be of use to you though. I'm slightly puzzled regarding some of your comment. Do you specifically want to open an account with someone other than Barclays? I have Barclays current account but have just opened an Everyday Saver account with them and no questions whatsoever were asked. https://international.standardbank.com/international/personal

What is 'get over yourself' in Latin?.....

I watch all of the movies I quoted on a fairly regular basis (other than DDD). A Christmas Carol is obviously seasonal but every version from the 1930's onwards will be on TV sometime over the Christmas period in the UK. I have seen each of the movies mentioned well over a dozen times, more likely upwards of twenty times. Does this satisfy your criteria?

Oliver! - Lionel Bart's musical version. Pretty much any version of Dickens A Christmas Carol (Alastair Sim 1951 version probably being the best) To Kill a Mockingbird 300 (Gerard Butler) Die Hard 1 and 2 Home Alone Debbie Does Dallas (fond memories as a young lad) I'm sure others will spring to mind......

I hold all of the first three Stocks you mention and periodically top up when the pricing is attractive. Other high yield Stocks I currently hold are BAT, Imperial Brands, HSBC, Aviva and a large holding in Legal & General. This proportion of my holdings provides the majority of the annual income I need. The larger part of the portfolio is invested in a combination of growth and income funds, both UK and Global along with bond funds and a few speculative 'punts' on individual shares (success and abject failure in this regard but not enough for me to worry about). This portfolio balance seems to work for me and I try and stick by the 4% rule (or X25 rule as I have seen others refer to it). If I take up to 4% of my pot each year then, in theory, there is no chance of the pot ever dwindling over, say, a 5-7 year rolling period. Of course there will be some ups and downs but if you comply with the 4% rule then you really shouldn't go wrong.