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Everything posted by Brave-Fart
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Report Drunk Tourist's Nude Stroll Shocks Phuket Locals and Sparks Debate
Brave-Fart replied to webfact's topic in Phuket News
it may not be schlong it may very well be schtiny 😛 -
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.
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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.
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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
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British Man's Urgent Plea to Save Dying Father in Thailand
Brave-Fart replied to snoop1130's topic in Pattaya News
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 . -
British Man Dies After First Muay Thai Fight on Koh Samui
Brave-Fart replied to Georgealbert's topic in Koh Samui News
Or golf! -
British Man Dies After First Muay Thai Fight on Koh Samui
Brave-Fart replied to Georgealbert's topic in Koh Samui News
So true , well said ! -
Must Read German Attacker of Dentists in Korat Found Dead with Slashed Neck
Brave-Fart replied to webfact's topic in Isaan News
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 😛 -
British Tourist Tricked in Pattaya Herbal Remedy Scam
Brave-Fart replied to webfact's topic in Pattaya News
Not false claims if they themselves believe in it -
British Tourist Tricked in Pattaya Herbal Remedy Scam
Brave-Fart replied to webfact's topic in Pattaya News
He was under the influence 😮 -
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
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American Teen Goes Missing in Phuket, Parents Rally Online Support
Brave-Fart replied to snoop1130's topic in Phuket News
I wonder if will you find it equally amusing if the unfortunate young man is found deceased / -
British Couple's Thailand Dream Becomes Legal Nightmare
Brave-Fart replied to webfact's topic in Thailand News
Still doesnt equate to "owning" the land -
British Couple's Thailand Dream Becomes Legal Nightmare
Brave-Fart replied to webfact's topic in Thailand News
The poster only asked the obvious question . -
Foreigners Face New Hurdles in Opening Thai Bank Accounts
Brave-Fart replied to webfact's topic in Thailand News
many due to no fault of their own may not have the 800,000 or the 400,000 plus pension , though if the agent deposits the 800,000 then the person can stay in Thailand on the retirement visa and every day/week/month he or she spends his/her pension , lets assume there are 3500 people using the visa agent and happily continue in the LOS spending their pension on average 50,000 a month which totals about 600,000 annually per retiree and if there are 3,500 x 600,000 = 2,100,000,000, now supposing they did block the loophole and perhaps 1,000 can pay the 800,000 but if the other 2,500 cant and they go back to their home countries,Thailand then would lose out on approximately 1,500,000,000 annually. feel free to correct me its highly possible I have my sum`s wrong . -
Foreigners Face New Hurdles in Opening Thai Bank Accounts
Brave-Fart replied to webfact's topic in Thailand News
Perhaps you do not have any , kindly ask Ms Google " Ms Google, what are friends ?" -
Bars in Thailand Set to Close This Week for Buddhist Holiday
Brave-Fart replied to webfact's topic in Thailand News
with a straw each -
Body of Woman Found Stuffed in Suitcase in Rayong
Brave-Fart replied to Georgealbert's topic in Eastern Thailand News
Obviously you are assuming it's a male. -
British man’s Thailand trip goes from heaven to prison hell (video)
Brave-Fart replied to webfact's topic in Thailand News
I wager you are not bloody male model yourself. -
he could have just asked you for some