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transam

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Posts posted by transam

  1. Lots of adverts stating clearly Interest 4% up to 5.4%....... No down and only X,XXX per month for 36 months, likewise cars and Trucks No Down and only X,XXX for 60 months...... + on something that can be 10 - 20 years old.

    Many that buy this way cannot meet the terms of Honda main dealer [from 0.79%], so must pay much more Interest as there classed as high risk.. No history, Bad history.

    Indeed.

    And I think a massive problem is that financing encourages people to spend way beyond their means. They get themselves n this circle of debt from which they may be trapped in for years and years. Having a shiny new Click might make one feel good for a couple of weeks, but living week in week out, just keeping your neck above water paying bills, can means years of misery.

    No wonder we see so many bikes being taken away several months after they have been delivered. The feel good factor of having a new shiny bike and then struggling to pay and then losing it in a few months, leading to a presumably bad credit rating and possibly higher interest rates in the future. This is no way to have to live / struggle.

    Indeed.

    Comes down to basic personal money management, and i'm afraid, that is something that doesn't tend to get taught in schools and so unless parents really push home to their kids about self sufficiency and about spending within means, it is all to easy to do what it seems everyone else is doing, and go out and have yourself the newest phone or the latest motorbike or a new car, and end up up your neck in debt. I've met people who take on repayments that are up to 80 to 90% of their monthly salary. This is just crazy.

    Like l said, it is toooooooooo easy, and grand ma and pa put their land on the line. sad.png
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  2. Lots of adverts stating clearly Interest 4% up to 5.4%....... No down and only X,XXX per month for 36 months, likewise cars and Trucks No Down and only X,XXX for 60 months...... + on something that can be 10 - 20 years old.

    Many that buy this way cannot meet the terms of Honda main dealer [from 0.79%], so must pay much more Interest as there classed as high risk.. No history, Bad history.

    Indeed.

    And I think a massive problem is that financing encourages people to spend way beyond their means. They get themselves n this circle of debt from which they may be trapped in for years and years. Having a shiny new Click might make one feel good for a couple of weeks, but living week in week out, just keeping your neck above water paying bills, can means years of misery.

    No wonder we see so many bikes being taken away several months after they have been delivered. The feel good factor of having a new shiny bike and then struggling to pay and then losing it in a few months, leading to a presumably bad credit rating and possibly higher interest rates in the future. This is no way to have to live / struggle.

    This happens cos of a very lax hire purchase system here. Anyone can virtually buy anything that they cannot afford. sad.png
  3. we all know what needs to be done !!

    but the political correct stand in our way,

    thus more inocent people will die..

    The problem of the military being judge, jury and executioner is that they will inevitably be killing innocents themselves as they don't always get their man.

    Extrajudicial killings will only lead to the settling of scores, elimination of rivals and little else.

    The only way to end this is a settlement that includes the support of the majority community.

    Targeting family markets is NOT a military target.
  4. Mods... are you going to get on top of the religious hatred being exhibted on this forum or not.... It has come to the attention of some of my Thai colleagues, they are less than impressed, don't say I didn't warn you.

    I would suggest you are the trouble maker here trying to stir up trouble by bring up this pathetic religious nonsense.

    We are talking about the scum who attacked innocent people. If they happen to be a majority of one religion then so be it – but take them out permanently.

    Oh, and if you “Thai friends” are so unimpressed (?) then please ask them to post and not hide behind you.

    How right you are. No excuse for killing indiscriminately, what ever the cause.

    I try to wonder what these cowards think after they have shredded children who were brought up with the cowards own beliefs. sad.png .

  5. Why not go to a Uni/school gym and try their stuff to see what your happy with weight wise and

    apparatus wise. I go to one a couple of times a week at 50bht a shot and they have everything.

    I personally would find it difficult to get motivated to ''go for it'' if l was alone at home, plus in a gym you can learn stuff by watching, but not from the farang guy who turned up Friday though, who tried to impress the Thai kids on a bench press machine, cheesy.gif too much weight and a 2 inch drop and raise with a lot of noise cheesy.gif .

    I am in my seventh decade now, eat once a day and brought back the size of muscles and more that l have neglected, admitted l have had a 30 year lay off. smile.png

  6. Dang, where I live (Oregon, USA) walking into a personal residence without permission is called home invasion and carries the death penalty from me - literally. I am allowed to shoot to kill anyone who's in my home without permission. That's not saying I would or have, but legally I could. I also have a concealed firearms license (Yes you Brits, we spell it "license," LOL) and I carry 24/7.

    Again, I'm not at all likely to shoot someone but would much more likely tell them to leave and see what they do, but the point is that's how seriously that act is taken here.

    I haven't had that happen when I'm in Thailand, but I would feel disrespected and speak accordingly.

    Did anyone mention perhaps simply putting a latch on the screen door?

    i am always curious why people need to say "dang, where i live" or "in my country", or "back home" etc.

    fact is, you aren't in kansas, or berlin, or oslo, or manchester

    y'all gave up the right to compare, but i reckon if your wife were offended, it would stop happening.

    I haven't given up any rights to use my mind. I'll be in Thailand again in a couple of months, planning on retiring there next year. Maybe if I keep hearing enough crap I'll change my mind. I don't have it so bad right here on my hilltop.

    Housesmall-2.jpg

    Is that a private hospital or government ? thumbsup.gif
  7. If i spend anytime in asia, I miss the intellectual interchange you can have with americans or brits that you will struggle to have with the locals for multiple reasons. If I was in Issan, probably 5 months at a time would be all I could take too. Bangkok, I could go for much longer before leaving.

    You didn't find me eh. Hmmmmmmmmm, your loss. laugh.png
  8. I recently bought a Nissan Teana 2.5 at 1.5 million

    driving that kind of elCheapo car doesn't really go with flying business except... if it's Uzbekistan Airlines tongue.png

    Hey, Uzbekistan Airlines don't fly to Brussels!

    Thai, Qatar and Etihad do.

    Thai no have business class yet (they'll fly leased B777/300 as of Nov 1st with real lie-flat beds at last, also 40k baht more expensive that QR, EY)

    Etihad throw in Benz with driver at both ends, no elCheapo cars. They'll pick me up at DM to deliver me fresh at Swampy one hour later, no showers in the Benz I am afraid.

    What do you call a Nissan March then???

    Nissan March = mobile pothole search gadget wink.png

    cheesy.gif
  9. Not really, let's just say l have met many ''English'' speaking LOS ladies over the years and so l can write my opinion here. smile.png

    I can't believe I'm saying this but here it goes: Would you like to meet mine and maybe I can sway your opinion in a different direction.

    Don't think you get my point.

    Of the many l have met, the few that use bad ''English'' were working girls. Of course there are non working girls out there that have picked it up from their new found ''Love''. smile.png

  10. Personally l feel bad English language from a Thai lady comes from a previous occupation where they mix with asshol_e farangs.

    For instance, a bus conductress, or an usherette, or a nurse. You know. whistling.gif ...............smile.png

    I totally agree.

    A lot of bargirls use slang English. For example, I knew one bargirl here in Chiang Mai, before they started closing most of the bars down, who used to use the word, bladdy in almost every sentence she spoke in her rough, course bargirl English.

    Back in the States one of our American neighbors had a Thai wife. She used to describe people she didn’t like as, bas---ds and one day when her young son accidentally smashed a cup on the floor, she shouted, <deleted> are you doing, you little mother f---er.

    My wife said instantly, that woman was a bargirl, because Thais know other Thais and I can tell, she said.

    Not saying that all Thai woman who pick up slang and speak course English are ex bargirls, but it`s as our transam has said; it does make suspect that these women have associated with some rather dubious company in the past and managed to pick up many English words and mannerisms from the lower part of Western society somewhere along the way.

    As for, a bus conductress, or an usherette, you`re going back a bit, transam. These days those professions can be placed into the same categories as street gas light lighters, hansom cab drivers and air raid wardens. BTW, my gran was a bus conductress and she used to swear like a docker. Every other word was F this and F that.

    OH LOOK BARGIRL bashing again

    Makes them feel big.

    Not really, let's just say l have met many ''English'' speaking LOS ladies over the years and so l can write my opinion here. smile.png
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