SamSpade

You can only apply for a Non-OA Visa in a country where you have permanent residency so this works well with Snowbirds escaping their home country for winter, but not so good for people who may be splitting their time between Thailand & another country where they don’t have Permanent Residency rights.

NT is for Salary/Pensions, NRL (Non-Resident Landlord) is for Rental Income and as you say just stops it being withheld at source, you still need to report this on your Tax Return and pay tax where appropriate on it. General overview is covered here https://www.gov.uk/tax-uk-income-live-abroad & You usually have to pay tax on your UK income even if you’re not a UK resident. Income includes things like: pension rental income savings interest wages [Getting an NT Tax Code would mean not paying tax on Pension or Wages in the UK, but you would be expected to pay Tax on the income in the country you are Tax Resident which is why I'm having problems getting one in Thailand]. More details on Non Tax Resident income is covered in the FOTRA (Free of Tax for Residents Abroad) manual https://www.gov.uk/hmrc-internal-manuals/savings-and-investment-manual/saim1180 CGT is covered here https://www.taxadvisorypartnership.com/uk-private-clients/international-private-clients/capital-gains-tax-for-non-uk-residents Dividend Income (AKA Disregared Income) is covered here https://www.gov.uk/government/publications/non-residents-and-investment-income-hs300-self-assessment-helpsheet/hs300-non-residents-and-investment-income-2025 UK Gilts are covered here https://www.gov.uk/hmrc-internal-manuals/inheritance-tax-manual/ihtm04291 Edit: For info, the ISA rules about not adding to your ISA if you're not UK Tax Resident are covered here https://www.gov.uk/individual-savings-accounts/if-you-move-abroad

No worries, as I said I would guess it would be 15K with Thai Visa in Bangkok, 13.5K in Pattaya. Thai Visa are the only agency I'm aware of that will help with the "Finances". The agent I used to use in Soi 24 (I want to say Asia Visa, they mainly dealt with Japanese visa extensions & had an office in Ideo Verve On Nut pre-covid where I was living) wouldn't talk to you unless you had the 800K in your account. I've always use an agent to do the "Hand Holding" (why not) & in Bangkok it was 7,900 (Included transport to CW), in Pattaya it's 8K.

Any chance your Credit Card company will refund?

Google "Thai Visa center" or "Grace Thai Visa" in Bangkok, I would guess you're looking at approx 15K but they can tell you. Pattaya is (I believe) currently 13.5K at place like Maneerat.

If that happened to me my credit card company would normally refund me (I'd actually booked my Qatar flights for me & a mate on my Thai debit card so thankfully Qatar played ball)! Lots of horror stories about Turkish Air behaviour during Covid, I don't think I'd book with them again without some kind of backup if things go South... Maybe this might of help if you're still trying to claim some money from them... https://lawhive.co.uk/knowledge-hub/flight-refund/get-a-cancelled-flight-refund-from-turkish-airlines-during-covid Edit: My current flights are booked on my UK Barclays credit card, unfortunately I've cancelled this to move to a different card (Barclays Rewards Card, much better when using outside of the UK) but they've assured me that if anything happens with a payment on the original card I'll be ok to chalange / get a refund with the new one.

Can you please post the link as, on AN, it is not linked here... Thx

If you'd have bothered to quote the whole of my post instead of snipping it to suit your trolling needs you would have included the costs for economy Cheapest return Business class ticket I could find for Bangkok to Manchester on the dates (28/3-20/5) that I have booked with Qatar for £2,000, was £5,600 (Mix of Thai & Turkish) - Cheapest economy (IIRC KLM) was £1,600. And that was before the edit... Edit: I did those searches yesterday so have redone them & the prices have really calmed down (I wouldn't fly Hainan but Qatar are quoting approx £2,600 in Business class & £1,000 in economy) I'm hoping this is a positive sign that the flights I already have booked on those dates will go ahead.

Where from, what dates & with which airline? Cheapest return Business class ticket I could find for Bangkok to Manchester on the dates (28/3-20/5) that I have booked with Qatar for £2,000, was £5,600 (Mix of Thai & Turkish) - Cheapest economy (IIRC KLM) was £1,600. Edit: I did those searches yesterday so have redone them & the prices have really calmed down (I wouldn't fly Hainan but Qatar are quoting approx £2,600 in Business class & £1,000 in economy) I'm hoping this is a positive sign that the flights I already have booked on those dates will go ahead.

As an ex-programmer it's similar with Code... 10-20% of the code goes to doing what the function is supposed to do, the remainder goes into handling the error conditions.

Income/Gains from investing in (Non Property) UK Assets are tax free for non-UK Tax Residents, this is to encourage overseas investment in the UK but works for us Expats as well. Should add that you cannot just say you're Tax/Non-Tax resident, it's all based on your time in & connections to the UK. E.g. Spend < 16 days in a Tax year there & you are automatically not Tax Resident, spend > 182 days there and you are automatically a UK Tax Resident. The SRT (Statutory Residence Test) - https://www.gov.uk/government/publications/rdr3-statutory-residence-test-srt/guidance-note-for-statutory-residence-test-srt-rdr3 Will help you work out your own UK Tax Residency status. The NT Code for avoiding withheld PAYE tax on your pension/salary does exist (I had one when I was working overseas, being paid in the UK) but it's proving to be a lot more difficult to get being retired in Thailand that it was working in Singapore, even though that was the last Tax Code they had for me (I ended up on a Emergency tax code when my pension started in Feb but should get excess tax back when my accountant files my UK tax return).

Not for Investment Income E.g. (Non Property) Capital Gains, yields on Government Bonds (both tax free), Dividends (limited to the withheld tax amount even if you're in a higher rate Tax bracket). I do pay tax on my property rental income but am in discussions with my UK accountant about getting an NT tax code so I won't need to pay tax on my pension income, this is not looking to good from the Thai side of things at the moment so it might need to wait until next year or even the year after. Flipside of this is I had to stop paying into my ISAs when I became Non-UK Tax Resident (2008) I figure I came out of the deal better as I actively trade a "Punt Fund" in which I buy FTSE 100 stocks that (IMHO) have been over sold, would estimate I've had capital gains in the 6 figures over the past 18 years, never paid a penny in CGT.

I've got a return BKK-DOH-MAN flight booked for an 8 week trip to the UK from 28th March with Qatar (paid 86,000 for Business Class) so since the weekend have been looking at alternative flights that avoid the middle east & the cheapest Business Class I could find (Mixture of Thai & Turkish) was approx 235,000, cheapest economy ticket (IIRC it was with KLM) was 67,200. If my flights do get cancelled I will see if I can get Qatar to book me on an alternative carrier (my dates are pretty fixed & the option of pushing them back 2 weeks doesn't work for me), if not I'll take a refund (or vouchers) & change my trip to September.

Wow, who were you supposed to be flying with & who did you book through? As I said, I booked directly with Qatar and had an email from them as soon as the lockdowns started as I was travelling in the March 2020, they offered me the option of a full refund or Vouchers for the cost +10%. I took the vouchers thinking I'd be able to use them later that year but it took me until May 2022 (you had to book before expiry not fly) to be able to use them.

Unless you're UK Tax Resident you cannot (legitimately) add funds to your ISA or open new ones. If you are UK Tax Resident & don't need to be, then you're missing out on tax free Gains/Income that it doesn't take a huge portfolio to be more than the 37,600 THB you're getting.

On the flip side, the 800K in the bank is handy to have in an emergency. Using it would probably mean you've broken the terms of your extension but you could always use an Agent to help with the financies the next year. That's assuming Agents will still be able to help with the financing. 12 months ago it was a doddle then around about May/June last year Pattaya Agents were having to take people with Bangkok Bank acccounts (Which everybody who used an agent to help with their finances had) to Bangkok to do their extensions & now we have Bangkok Bank insisting your 800K is in the bank for at least 4 months making it impossible for Agents to use them (at least in Pattaya). I don't want to say the sky is "Falling in" on "Agent Assisted Financing" but it's certainly getting cloudier. To each his own, for the sake of 32K (Before Tax) in interest I'll stick with keeping the cash in the Bank. Others will argue about keeping it in the Market & making 8-10%, good on them, I like to keep at least 6 months spending in Cash so the 800K covers this as well.

Insurance has nothing to do with it, the airline has to either rebook him or give him a full refund. Similar to what they did during Covid when Qatar gave you the options of a full refund or "Vouchers" worth the ticket price + 10% valid for 1 year which ended up getting extended to 2 years. I know because my UK flights got cancelled due to Covid & it was 2 years before I could use them + am due to fly to the UK in 3 weeks so am watching this situation very carefully, the fact that they're rebooking people for 2 weeks time is giving me some hope that flights will be available by then.

I find Checkdi (Was MisterPrakan) to be a useful site when looking for any kind of insurance, here are the options on Accident Insurance for a 77 year old. https://checkdi.com/th/all/plans?pdtype=pa&gender=Male&age=77&leadid=709635&lg=en Edit: I 2nd Sheryl's recommendation on speaking to AA Brokers before buying anything.

One unit I'm looking at went on the Market last March for 11.9Million, sat there for 6months doing nothing so they listed it with another agent for 12Million, 3 months of doing nothing & it's now listed with another agent for 12.5Million! I was thinking of offering them 10Million (The unit looks to be perfect for us & I feel an offer below this might be seen as time wasting) but am still debating whether to bite the bullet and buy in Once Wongamat. I worked with a guy who tried to low ball an owner when the UK Property market was booming, owner was so insulted by his offer that he told the agent he wasn't interested in anymore offers from him, he ended up paying 10% over the asking price as the house was perfect for his family & homes coming up for sale in the catchment area for the school they wanted their kids to go to were few & far between.

Foreign Secretary Yvette Cooper said contingency plans are being drawn up for potential overland evacuations from the UAE, Bahrain, Kuwait and Qatar into Saudi Arabia if airspace closures persist.

Interesting, I was considering buying off-plan (Once Wongamat) it's from a major developer with a decent track record of delivering & after watching Arom Wongamat go up and the price for 2Br units more or less doubled from 1st pricing to completion (Covid may have had something to do with this) I feel it will cost at least 50% more if I wait until the building is completed. Also considering existing units around the 12-15Million THB mark, it's very hard to find previous selling prices in Thailand so I was thinking of going in 15% below asking with a view to settling at 10%. Do you think this is too agressive or am I not swinging hard enough?

Get your Non-IMM O from outside of Thailand, once you have that you'll be able to open a Bank Account to seed the 800K for your extension.

I agree with everything you said, but looking at it from the other side (I am in this dilemma at the moment)... Buying means you're no longer at the mercy of your landlord wanting to sell the place (1 month after moving in on this place, but we're still there 3 years later) or jack your rent up (33% on my last Condo, in fairness it was worth it as I'd rented cheap during Covid but still, they could have increased it gradually rather than hitting me with such a huge increase - Place ended up empty for 4 months, I know as I had the PEA bills on my phone) The condo is now your home, you want to spend a lot of money on beds, High End TVs, Fridges, Furniture etc... they're all yours... Want to paint the walls a different colour or put in a power shower instead of the <deleted>ty bath, do it... If you are retired & this is your "Forever Home", It shouldn't matter what it's worth when you die as long as you enjoy your life while living there. I'm still on the fence, but am leaning to buying...

That's usually because Most ATMs are only able to dispense 20-30 notes at a time so if you come across a machine that only has 500 THB notes left in it, you'll only be able to withdraw 10-15,000.

Unfortunately, UK brokers only need to keep records for 5 years & have Data Protection obligations (plus an incentive to save on storage costs) to delete data after 7 years. I've checked & the stock I mentioned that I've only been trading in since 2018, am only able to download Contract notes from 2020. Will see what contract notes I may have saved on my 2013 MacBook Pro (which I used up untill 2023, wish me luck getting it to boot!) but as I'm border line on meeting the 80K requirement with this it's not looking too good. No worries, if I do decide that I don't want to spend any more time outside of Thailand after my upcoming 7-week trip to the UK, I'll park applying for the WP-LTR until next year when I should hopefully be able to meet the income requirements without needing the Investment. And if I do decide to persevere then I'll be 1/2 way there after the UK Trip & buy a Condo so I can apply for the WP-LTR using $40K income & $250K Investment. Curious as to what other Investments guys have used outside of purchasing a Condo to meet the WP- LTR requirements and what proof did they show to the BOI for these.