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dginoob

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Posts posted by dginoob

    Microwave oven working but not heating - owner's responsibility?

    in DIY Forum

    Posted

    It could be the high voltage fuse that's blown, or maybe the magnetron has failed. Both are relatively easy to replace. 
    My microwave stopped working (same as yours, it appeared to be working but would not heat food). My landlord bought me a new one, but I preferred the older one so I fixed it myself. Mine turned out to be just a blown HV fuse which was only 43 baht to replace:
    https://shopee.co.th/ฟิวส์-กระบอกฟิวส์-ไมโครเวฟ-เตาอบ-Microwave-Fuse-5kV-0.65A-0.7A-0.75A-0.9A-สายกระบอกฟิวส์-MW-ขาว-(1-ตัว)-i.253932797.22473681910

    If it's the magnetron, they are also not expensive to replace (I bought one before I knew it was a blown fuse):
    https://www.lazada.co.th/products/i3076807555-s11297855015.html?urlFlag=true&mp=1&tradePath=omItm&tradeOrderId=740461231503272&tradeOrderLineId=740461231603272&spm=spm%3Da2o42.order_details.item_title.1

    • Like 1
    • Haha 1

    Viagra or similar

    in Health and Medicine

    Posted

    1 hour ago, BritManToo said:

    Mostly made in India without license.

    50bht for a packet of 4 Managra in Chiang Mai, if you pay more you must be daft.

    If it's for recreational use late at night, no more than 1/2 a tablet, unless you want to have a trouser problem next morning.

     

    Anyone know where to get these in Bangkok?

    How much is a new key card at your condo?

    in Pattaya

    Posted

    Mine was 300 or 200, can't remember. But I was able to buy a card copier with 5 blank fobs and 5 blank cards for less than the price of a new one from the condo from Lazada.
    Note they won't work with all cards, they work for my condo and office card, but don't work with my gf's condo card.

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    1 minute ago, Oxx said:

     

    Not a recommendation, but suggest you have a look at iShares Edge MSCI World Minimum Volatility UCITS ETF USD (Acc) GBP [MINV].  It's a reduced volatility version of the global index fund iShares Core MSCI World UCITS ETF USD (Acc) GBP  [SWDA].

     

    I prefer it over the latter because it reduces exposure to certain technology companies that I believe to be massively overvalued and are due for a rerating.  You can quickly compare the top 10 holdings on Bloomberg:

     

    https://www.bloomberg.com/quote/MINV:LN

    https://www.bloomberg.com/quote/SWDA:LN

    Thanks. I'll take a look.

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    2 minutes ago, Oxx said:

     

    That has a UK-bias.  You can achieve something similar by combining a UK Equity ETF with a Global ETF.

     

     

    If ESG is important to you, then why not? However, you are deliberately hobbling performance by excluding sectors which have done well such as alcohol and tobacco.  You're also paying extra for the screening process, which will detract from performance.

     

    Of course, this is just Vanguard trying to cash in on the current ESG fad.  If ESG falls out of favour, then there's a fair chance this EFT will be canned in the future.

     

    ESG is actually not at all important for me. The only thing I care about is growing my money so I'm not scrimping when I retire (or so I can retire a little earlier). I also don't want something that's too UK-biased. These are good points which I hadn't considered. I'm going to think a bit more and keep looking for something more suitable. Are there any that you would recommend.

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    2 hours ago, Oxx said:

     

    You're right.  However, if you use their web based application, it's a lot more straightforward.  From the home page it's at Login/Portal Login.*

     

     

    There are all the ETFs listed on the London Stock Exchange available, most of which are denominated in GBP and cover almost every conceivable market.  You're probably not looking in the right way.

     

     

    I presume the USD denominated ETFs you're seeing are listed in the US of A.  If so, there are significant tax repercussions.  Generally speaking, non-Americans should not invest directly in US ETFs.  Plus, there's the whole issue of FX costs, assuming your cash is in GBP.

     

     

    * One of my gripes about the IBKR platform is that it doesn't have the European-style "put in an order", "get a quote", "accept within 10 seconds" of trading.  You're pretty much stuck with market and limit orders.  All the fancy features that make the American-style of trading safer and more profitable don't work for non-US exchanges.

     

    Edit:  Just to add, when you're searching for ETFs entering the ETF name is pretty much useless.  You need to use the EPIC code for the ETF (i.e. the typically 4 character code, for example, SEMB for iShares J.P. Morgan USD EM Bond UCITS ETF).

    I was looking at all the LSE ETF's, but you're could be right that I'm not looking in the right way. Basically I am looking for something similar to the Vanguard LifeStrategy 100% equity accumulation funds. Before my last post I hadn't found any GBP ones that looked as diverse as I'd like.

    However, this morning I have found a new Vanguard ETF, which is listed on the LSE - V3AB: Vanguard ESG Global All Cap UCITS ETF (USD/GBP/EUR)

    https://www.vanguard.co.uk/professional/product/etf/equity/9470/esg-global-all-cap-ucits-etf-usd-accumulating
     

    It's brand new, but it looks interesting. I am considering buying this later today. 

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    16 hours ago, AlexRich said:


    I think that is sensible, a fund that tracks the market will outperform 75% of fund managers. If you look at the graphs over 20 years you’ll see downward spikes with various crisis, but the trajectory is upwards over the long term. 
     

    If you want a British book that is very good for beginners I would recommend “The Naked Trader” by Robbie Burns. It is simple to read and takes you through the basics, and explains how to buy and sell shares through brokerages. My approach is different from his but his approach is very sensible. So if you dip your toe into share buying you at least follow a sensible path.

    Thanks for the book recommendation. I've just ordered a copy from Amazon.

    • Thanks 1

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    24 minutes ago, AlexRich said:


    I don’t use ETF’s, I prefer individual shares, so I can’t help you with that one.

    My plan is to put the majority of my available income into index funds or ETF's and just forget about them for around 20 years (or hopefully less). A smaller amount I intend of using on individual stocks - though as I know so little at the moment this is tantamount to gambling for me. It seems like there is so much to learn, and the amount of information available is quite overwhelming. 

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    So I opened up an account with Interactive Brokers. Their Trader Workstation PC app isn't super user friendly for beginners, but I'm sure I'll figure it all out.

    Most disappointing however, is that there doesn't seem to be any GBP denominated index fund or ETF's (I have found a small number but none of them are what I'm looking for). There are plenty of USD funds available, but I am l loading with GBP and I'd 1. prefer not to have to convert to USD every time, and 2. to reduce my FOREX risk.

    Not sure if I should just bite the bullet and go with USD ETF's or try to find another solution. Has anyone been in the same predicament?

     

    Thanks

     

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    8 hours ago, AlexRich said:


    No, if you are careful. The Thai tax year runs from 1 Jan until 31 Dec I believe (if I’m wrong someone will post). 
     

    The important thing to understand is that if you bring profits from gains or dividend income into Thailand in the same tax year as they were earned, you are technically subject to Thai tax. So a dividend received in September 2020 can be brought into Thailand in January 2021 without incurring a tax liability. If you bring it in December 2020 it’s taxable.

     

    I’m pretty sure that’s correct, but if I’m wrong someone will post. 

     

    Thanks, that's really useful to know!

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    On 3/23/2021 at 1:45 PM, AlexRich said:


    You could set up a brokerage account outside the UK, as you are no longer a UK resident for tax purposes. That means that any capital gains or dividend income is not subjected to UK tax. There are many brokerages ... for example Swissquote, based in Luxembourg, offer access to the UK market, the US market, Hong Kong, Singapore and many European bourses. Best begin with what you know ... the UK ... a good time as it is one of the cheapest markets at the moment. You have to be careful moving money to Thailand. Only transfer profits made in the previous tax year, as moving in money earned in the current tax year is technically subject to tax. Good luck.

    Capital gains or dividend income will not be subjected to UK tax, but will it be subject to Thai tax?

    Investing in UK shares

    in Jobs, Economy, Banking, Business, Investments

    Posted

    On 3/21/2021 at 10:44 PM, realfunster said:

     

    Hello - can’t profess to be an expert as I only started taking a more active interest in my investing last year, so cannot give financial advice but provide a few comments below :

    - Investing in the Thai market sucks. UK is ‘OK’ and has friendly tax rules as a non-resident but I feel you really need to be in the US to be able to achieve a long-term 10%+ per year.

    - Use Thai tax saving schemes, if it make sense to your circumstances and plans e.g SSF/RMF & company Provident Fund. These used to be restricted to Thai SET (been poor return for 5 years) but now you can make international investments as well. 

    - There are increasingly more local general options to invest in overseas markets, although the management fees are still high compared to the likes of Vanguard plus you have to accept some FOREX risk.

    - I opened a brokerage account as a Thai-based expat/UK citizen with IBKR (other options exist) it was very easy to do. This gives me direct access to global stocks & ETFs. Don’t think there is a THB option, so you will need to fund via GBP/EUR/USD and bank transfers from Thailand. 

    - I can’t access Vanguard Life Strategy funds via IBKR but can access all their ETFs, pretty straightforward to make your own ‘Life Strategy’ fund using a handful of their ETFs. E.g S&P500 40%/Europe 10%/Japan 10%/Emerging Markets 10%/Bonds 30%.

     

    Youtube channel Pensioncraft is a good place to start and has some reviews of various investing strategies and funds available. 

     

     


    Thanks for the info. I think what I will do is try to open a Vanguard investment ISA using my mothers address and see how that goes. If that's doesn't work then I'll open a brokerage account as you have done. What are the tax implications for any gains you make on your account?

    Good recommendation on Pensioncraft. I am already subscribed to his YouTube channel and newsletter. Have even considered booking a "power hour" with him.

    Thanks again,

     

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