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Brave-Fart

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  1. makes a change from the never-ending whining from POM`s 😛
  2. it may not be schlong it may very well be schtiny 😛
  3. for all of those that are inclined to state that this guy being a retired banker , should have been more financially secure than he is see below a few examples which could lead to anyone being in his position. Insufficient savings or investments Not saving enough during working years. Living expenses outpacing savings rate. Poor investment returns Bad investment choices (too conservative or too risky). Market downturns at critical times (especially right before or after retirement). High cost of living Living in an expensive location. Inflation eroding purchasing power faster than anticipated. Unexpected expenses Major health issues or medical bills. Family emergencies (supporting children, parents, etc.). Debt problems Carrying mortgage, credit card, or personal loan debts into retirement. Underestimating retirement duration Living longer than expected (great for life, tough for finances). Lifestyle inflation Increasing spending habits when income rises, rather than saving the extra. Lack of a clear financial plan No retirement budget or withdrawal strategy. No contingency planning for market crashes or emergencies. Unexpected economic events Severe recessions or financial crises. Currency devaluation (important if living abroad). Changes in government policies Reduced pension or superannuation benefits. Higher taxes or loss of social security supports. Divorce or relationship breakdown Legal costs and asset division can severely impact retirement savings. Bad financial advice or scams Falling victim to fraud or poor financial advice. Over-reliance on one asset For example, counting only on a house appreciating or a business sale. Health preventing work continuation Forced early retirement due to injury, illness, or disability. Poor insurance coverage Not enough health, life, or long-term care insurance coverage.
  4. sorry for you, but I will endeavor to educate you , please read the following : Insufficient savings or investments Not saving enough during working years. Living expenses outpacing savings rate. Poor investment returns Bad investment choices (too conservative or too risky). Market downturns at critical times (especially right before or after retirement). High cost of living Living in an expensive location. Inflation eroding purchasing power faster than anticipated. Unexpected expenses Major health issues or medical bills. Family emergencies (supporting children, parents, etc.). Debt problems Carrying mortgage, credit card, or personal loan debts into retirement. Underestimating retirement duration Living longer than expected (great for life, tough for finances). Lifestyle inflation Increasing spending habits when income rises, rather than saving the extra. Lack of a clear financial plan No retirement budget or withdrawal strategy. No contingency planning for market crashes or emergencies. Unexpected economic events Severe recessions or financial crises. Currency devaluation (important if living abroad). Changes in government policies Reduced pension or superannuation benefits. Higher taxes or loss of social security supports. Divorce or relationship breakdown Legal costs and asset division can severely impact retirement savings. Bad financial advice or scams Falling victim to fraud or poor financial advice. Over-reliance on one asset For example, counting only on a house appreciating or a business sale. Health preventing work continuation Forced early retirement due to injury, illness, or disability. Poor insurance coverage Not enough health, life, or long-term care insurance coverage. so as you can see there are many reasons which could lead to an individual not being financially well off later in life , and perhaps stop showing a lack of wisdom and maybe just show more empathy and understanding.
  5. jesus christ , is someone twisting your arm and forcing you to read this post, just don't bother reading it or commenting, just troll on past sorry scroll on past if you have read similar before, Remember new farangs are arriving every day so what is considered old news to you is new to them
  6. not worms , my Thai partner is knee high to a grasshopper weighs 43 klgs and the appetite of an elephant , Thais seem to eat constantly but due to their incredible metabolism their body burns up the fat quicker than the food can reach their stomachs or butts 😛
  7. Friends and girl-friend all I would presume were with him and therefore also drinking , so why did they now suffer same or similar symptoms ?
  8. If the young man was doing his best , then why did he not take action and fly his father back to the UK prior to conditions deteriorating. Why cant they contact all of their relatives and close friends or even apply for a personal loan . Why cant they or the son just fly his father back on the next available flight .
  9. the article is about a man dying and you you can do is make a childish comment like a prepubescent little boy thinking with his little head. " grow up " and not that way 😛
  10. Not false claims if they themselves believe in it
  11. He was under the influence 😮
  12. why assume? You assume that he or she is staying in Pattaya or Phuket , perhaps I missed something in the post. 'Pattaya's reputation as a safe and friendly destination for global tourists'' - Who they trying to kid, the whole world is now aware of Pattaya and Phukets somewhat low so reputation.. Soon be April 1st ! nope i didnt miss anything
  13. I wonder if will you find it equally amusing if the unfortunate young man is found deceased /
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