AnnyLing

Reading *midas* applied wisdom is the main reason why people jump from balconies in Thailand !

I fail to see what is clever (or even interesting) about having a large electricity bill.

Any idiot can leave electrical devices on unnecessarily. Indeed I remember some American clowns who regularly had the aircon on and the doors wide open in their rental farmhouse in Europe. I'm sure their bill was pointlessly huge also.

The price per unit may be interesting, but not the number of units consumed. I suppose some children people just have to show off.

Idiots do exist as opposed to intelligent clowns who try to show off by spreading most ridiculous stories about airconditioned European farmhouse rentals and pointlessly huge electricity bills.

cable broken ?

I think most people in this thread understood that

Terribly sorry! I was not aware that the OP addressed exclusively Brits. Will be more careful in future

just to put things straight what i call fixed bonds are actually fixed term deposits,a lump sum deposited for normally 1to 5years why in the uk they are called bonds. i also had the same product called a guaranteed reserve. anyway its safer than investing in a few bar girls in patts.

in the uk they are called bonds

UK lingo for foreigners: some *fixed deposits* are called *bonds*, *fish&chips* is called *food* and *ale* is called *beer*.

right?

No doubt you as a passport holder of this region, have access to brokerage services here that are cost aeffective, not a luxury that non-regional passport holders have hence you are probably able to "dabble" cost effectively. We on the other hand have to make do with our limited access to onshore but mostly offshore products that we know as bonds (which really aren't but let's not quibble). Big sigh, life's so unfair sometimes, but what can be said!

What part of *no need for brokerage services* to buy any asset from any stock exchange is you want me to explain again? Eighteen years of marriage to a stubborn western husband has taught me patience.

I am very grateful having learned that in the United Kingdom certain packaged debt are consumer products and are called bonds although they are not bonds and are only marketed to the UK consumer market. I also promise not to use any racist remarks like *people* when I post in Thaivisa. Last not least i promise not to argue with people folks in future who use building societies to invest.

note to myself: Lloyds TSB is not a bank! It is a building society which discriminates offshore residents by not *selling* its *onshore bonds* to them.

The 180 bonds of Lloyds which are traded at the London Stock Exchange, available to any investor globally, are mere hallucinations. The link to the 19 pages of these bonds is a fake.

http://www.londonsto...oyds TSB&page=1

I'm English and live in Thailand with NO English address so by that I assume that Lloyds wont sell/issue me a bond well this must be a new thing as last October they sold me some to-wit a two year bond and they sent all the paper work here to my Thai address. So did Nat West bank, I could have also got them from Barclay's. Then again maybe it's because I'm handsom.

*handsome* must be the criteria

Let's deal with the protocol first, the derogatory term is, "you people" not just, "people", using the expression, "you people" can get you locked up in some quarters and whilst this is unlikely in somewhere such as Singapore, it's entirely possible in the US, as you are well aware.

i am neither aware nor do i believe that "you people" is considered a racist remark anywhere where English is spoken.

i started this topic for some advice,not to read what is being posted by certain members,so come on and cut it out and act in a civil manner,if you cant do that i will ask the mods.to close the topic.

You don't seem to look for advice. You are sticking to wrong assumptions. If you'd really want advice you'd read my postings.

Which leads us to bonds: as a UK passport holder I would find it difficult and expensive to buy any of the Lloyds bonds shown on your LSE list, firstly I would need to engage a UK broker and that would be very expensive. I could use an Independant Financial Advisor in the UK (FSA approved) to help me find a broker and make an introduction but the IFA would charge me a substantial fee for doing so.

You don't need a broker, you don't need a financial advisor and you don't need an introduction to buy any asset at London Stock Exchange and of course you don't have to pay a substantial fee to anybody except the trading fee your bank charges.

All you need is to instruct your bank *buy asset identification number xyz123* None of the assets traded at LSE carry restrictions onshore or offshore. They are available to any UK passport holder.

Let's deal with the protocol first, the derogatory term is, "you people" not just, "people", using the expression, "you people" can get you locked up in some quarters and whilst this is unlikely in somewhere such as Singapore, it's entirely possible in the US, as you are well aware.

i am neither aware nor do i believe that "you people" is considered a racist remark anywhere where English is spoken.

okay, lets do it step by step but not according to priorities.

And now onto discrimination by UK banks: of course they descriminate against non-resident citizens, as any ex-pat on this board will no doubt confirm, if a UK passport holder wants to open an account/buy a product from an onshore financial institution they had best have a UK address else it wont be allowed - if that passport holder happens to live in Thailand or Singapore, forget it.

why would a UK citizen, living in Thailand or Singapore or anywhere on this globe outside the UK, invest *onshore* with a UK *onshore* bank that slaps limitations on him or discriminates? because he is a masochist?

I am very grateful having learned that in the United Kingdom certain packaged debt are consumer products and are called bonds although they are not bonds and are only marketed to the UK consumer market. I also promise not to use any racist remarks like *people* when I post in Thaivisa. Last not least i promise not to argue with people folks in future who use building societies to invest.

note to myself: Lloyds TSB is not a bank! It is a building society which discriminates offshore residents by not *selling* its *onshore bonds* to them.

The 180 bonds of Lloyds which are traded at the London Stock Exchange, available to any investor globally, are mere hallucinations. The link to the 19 pages of these bonds is a fake.

http://www.londonsto...oyds TSB&page=1

lloyds fixed bonds onshore uk are i repeat are not available to non residents,what are available is lloyds tsb offshore fixed bonds,how do i now i have just spoken to them 5pm thai time.4% fixed for 3years paid gross.

Perhaps you could check and see what bonds HSBC UK is offering and whether they are suitable ratewise, HSBC UK will allow you (me at least) to go down the R105 route which means you can hold the bonds as a non-resident. If you do decide to go that route it's worth taking out multiple bonds rather than one large single one, that way if you find you need funds in an emergency you can encash one early and pay a penalty on only a small part of your holdings rather than on all of it.

I can only shake my head when i hear *encash a bond early and pay a penalty*. You people have not the slightest idea about bonds.

Bonds are not *encashed*. They are traded freely without any penalty no matter what maturity. All you pay are trading fees, usually 0.25%, which your bank charges.

Typical male behaviour when defeated.

Typical male comment from someone who gets darwn into childish arguments on public forums

Indeed a typical comment from a male whos first name is Anny.

Typical male behaviour when defeated.

Correct, a pedantic terminology correction for a forum such as this but technically correct neverthless. But wait, is that it, is that your only argument you can/want to make, disappointing.

A debtor issues, amongst a variety of debt, also bonds which are marketed or sold *once* by one or more banks. After that the bonds are available at exchanges, OTC, or from *marketmakers*.

Nobody says *Toyota has sold me a Camry* or *Honda has sold me an Accord* when buying one of these cars second hand from a dealer or private owner although the cars were *issued* by Toyota or Honda . If pointing that out is called a technicality, pedantic or smartassed shows ignorance at its best and refusal to widen the personal investment horizon!

Meatboy talks about bonds, you talk about deposits. But whatever, both of you are wrong.

Really? Does that mean that all my existing onshore accounts paying gross interest are just figments of my imagination?

You were wrong mixing up cash and bonds. Meatboy was wrong because there are no limitations for UK non-residents holding fixed term bonds, example holding Lloyds TSB onshore in UK.

Lloyds *offshore* bonds do not exist. A UK citizen has to prove to his UK domestic bank where he keeps his portfolio that he is indeed not resident, otherwise tax is withheld. Once his status is established and accepted by his bank, all coupons are paid gross. As simple as that.

Except Lloyds TSB onshore will not sell bonds to non-residents.

Edit for spelling

Lloyds TSB does not *sell* bonds. Loyds TSB *issues* bonds which are traded at the London Stock Exchange, at a dozen other exchanges, as well as *over the counter*.

I am withdrawing now from this discussion and leave any lectures to experts like Darrel who seem to get their *clues* by wasting time opening a dozen bank accounts to squeeze the last fraction of yield percentage for their cash.

After the latest bout of photocopying money by Sir Swerving King I would get it as far away from the UK as possible.

A wise decision to avoid hassle.

Meatboy talks about bonds, you talk about deposits. But whatever, both of you are wrong.

Really? Does that mean that all my existing onshore accounts paying gross interest are just figments of my imagination?

You were wrong mixing up cash and bonds. Meatboy was wrong because there are no limitations for UK non-residents holding fixed term bonds, example holding Lloyds TSB onshore in UK.

Lloyds *offshore* bonds do not exist. A UK citizen has to prove to his UK domestic bank where he keeps his portfolio that he is indeed not resident, otherwise tax is withheld. Once his status is established and accepted by his bank, all coupons are paid gross. As simple as that.

thanks for that guys,we both have bank accs.in the uk but we are classed as non residents therefor we canot hold [want fixed term bonds] these.

Yes you can. Look a bit harder. There are quite a few long-term and short-term deposits available to non-residents onshore.

Meatboy talks about bonds, you talk about deposits. But whatever, both of you are wrong.

Before you go looking for a servant, you might consider if you even need one. Living alone in a place that appears to be small (and where would a servant sleep?) means there is little cleaning to be done in general. What little cleaning there is to do will be therapeutic. If all you ingest is plant matter, cooking is a breeze and you will get personal fulfillment by doing it. Outside laundry service is not expensive.

I live alone and do all my own cleaning and cooking and take my laundry out. I also do all my own yard work. You can too.

It would be very odd indeed to have a servant around to cook and clean. You might want to try taking care of yourself first for a while. See how it goes. You might find the solitude inspiring.

The OP asked "How much for a maid/cook?". I assume he is not interested in your inspiring solitude.

we discussed the option already for recovering the money when the house is sold but this actually doesnt help us allot now as we need to get that security back and they dont wait to get their wages paid till someone decides to sell their homes.

Their must be a way to make the lives of some of the non payers less pleasurable or not?

Of course there is. But the question remains whether you are willing to tolerate the backlash.

The moobaan must be an established legal entity in order to enforce payments. If it is not formed and registered as a legal entity (juristic person) it has no legal standing thus no authority. In such a case it is basically only an informal home owners' association.

If the jurisitic person has been formed then it can have power over water, for example, and have the ability to shut off the deadbeats' water. It can also register liens against the non-paying properties for the amounts owed and sale can be prevented until the lien is cleared.

Thailand does not have the american procedure of slapping liens on a property and neither can a home owners' association shut off the public water supply to any private building.

***The problem with moving gold from here is that mostly its thai gold and youll have ot get it assayed in another country and probably accept less than you can get for it here***

Having it assayed is not a solution. If you want to move 965 gold out of Thailand I strongly suggest you convert it into 999 when still in Thailand to avoid big hassle abroad. The conversion will not cost an arm and a leg.

Have you looked at Command On Line's website?

Mercedes factory surcharge "Command" for E-class when ordering a new car is 3,200 Euros [128,000 Baht]. Retrofit existing car in SG 5,995 SingDollars [151,000 Baht]. Have no idea how much a retrofit in Thailand costs.