gearbox
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Posts posted by gearbox
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4 hours ago, SAFETY FIRST said:The Brits are back in the headlines. 😎
Nobody gets embarrassed any more.
Send him to Australia, plenty of handouts for these losers.
He is probably typing his GoFundMe page right now.
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22 minutes ago, StraightTalk said:
Aldi and Amaysim do not deliver Sim cards overseas. The SIM card provider would have to mail the card to my address in Thailand and payment including top-up payments would be made by either AMEX, Bpay or 'Pay Anyone'.
Try Amaysim esim, but I'm not sure if you can activate it in Thailand. I've heard people being able to activate dtac esims outside Thailand.
Of course your phone should must support esim.
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2 hours ago, StraightTalk said:
One of the Australian establishments I am engaging with is implementing a two-factor authentication system, which mandates an Australian mobile number for registration.
The issue arises from my residence in Thailand, as the Australian establishment is unwilling to adapt the two-factor system to support an overseas mobile phone number.
I need a SIM card with an Australian mobile phone number that can be used and accessed in Thailand, allowing me to receive 'push notifications' or SMS messages from the Australian establishment. I can provide a dedicated smartphone for such a card.
The SIM card provider would have to mail the card to my address in Thailand and payment including top-up payments would be made by either AMEX, Bpay or 'Pay Anyone'.
Are there any SIM cards available that meet these requirements?
There are many....Aldi mobile, Amaysim etc. This topic was discussed extensively.
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10 hours ago, Mike Lister said:
Congratulations, the hard work paid off.
How would you know...I saw somewhere that around 3 mil baht changed hands. One can't be sure as this is not a public company to publish accounts.
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20 minutes ago, Chomper Higgot said:
It is indeed shocking.
It seems Australia, like the UK, too is failing to deal with the crisis of mental health problems on society.
I'm in Sydney right now, easy to go mental when you see the grocery prices and the rents.
Tent cities and rising crime seems the likely future.
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20 minutes ago, Kenny202 said:
Not really sure what you mean by pension phase. I am not on the pension as I live outside the country but I am retired and have filled out the declaration. I haven't converted my Super into a pension type fund as of yet in fact I was told that can have tax implications.
My money has been in the same super account / fund for years while I was working and since I left work. I reached maturity age last year...made a small withdrawal and left the balance of the money in the super fund which is accruing interest. I have just withdrew another small amount. I checked at the time and if I withdrew the total amount of super at maturity age no tax was payable.
So is that correct? As long as I leave my money in the original super account, any interest earned on the balance now and in the future is non taxable even if I make withdrawals? Is this what you mean by pension phase or am I in the accumulation phase?
Many thanks for your help 🙂
The only way the super income becomes tax exempt is when you move your super from accumulation to pension phase (income stream). I'm more or less in the same boat although I'm a tax resident, this in principle won't matter unless you have a SMSF and you need to satisfy the residency tests.
https://simplyretirement.com.au/tax-super-overseas
If you get Oz super pension it may be taxable under the new Thai rules...that is if you bring it to Thailand via bank transfers. Australia won't tax your super pension and income generated by your super even if you are non resident
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Interest earned in super if you are in pension phase is not taxable, whether resident or not.
If your super is still in accumulation phase the interest is super income and is taxable at 15%.
If your money is outside super then the non resident rules for interest apply.
It is in your best interest to keep your money in super in pension phase, no income is taxable. Hard to get zero tax anywhere in the world.
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The layout of the 787 Perth to Bangkok is pretty good, legroom of 32 inch, comparable to Emirates.
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On 4/4/2024 at 1:21 PM, JeffersLos said:
Why, you can gets the parts needed at the 20 baht shop.
TCL is big brand, very big, I think they either No 1 or 2 worldwide in regards to number of TVs sold.
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10 minutes ago, MrPancake said:
They are both wrong.
As of the first quarter of 2023, the number of western expatriates in Thailand was 156,596 - with more than half living in Bangkok, according to Colliers Thailand and the Employment Department.
2 millions is probably the number of foreign workers regardless of where they come from.
Thailand doesn't publish statistics on expats, but this number sounds reasonable. In 2018 they published that 80k retirement visas were issued, after covid there are probably less of us.
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2 hours ago, soi3eddie said:
Even though I've been on Non-O retirement extension for 5 years, I've only ever done 90 day reports 3 times (during Covid) and now always travelling. This means I cannot get COR now. Also, the British Consulate no longer offers "affirmation of residence" certificate. My nearest Department of Land Transport office will not accept Yellow Book/Pink ID for DL renewal so today I went to a different DLT to renew and they accepted Yellow Book/Pink ID for residence proof. Definitely very useful to have! Same when I purchased a vehicle - the yellow book/Pink ID made registration in my name easy. Worth the effort in my experience. Others opinions will differ.
TIT...a feudal system where each province invent their own rules. I was able to renew my driving licence with my yellow book instead of COR. With national parks 3 out of 6 parks gave me Thai rates, the other 3 refused and had to pay foreigner rate.
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5 hours ago, Phulublub said:
ATM and CC purchases can be tracked and traced in exactly the same way as direct transfers. If money transferred to Thailadn (by whatever means, inlcuding bringing in cash) is assessable incoem then there MAY be a Thai tax liability.
In truth, many will be from countries with a DTA that minimises or eradicates any liability to any tax payments here.
A lot of expats are getting worked up about a change that will have minimal or no impact on them. It is aimed at gathering tax from wealthy Thais; that it is broad in scope so we are caught as well is perhaps unfortunate.
As yet, Thai tax forms do not have the required fields for any of us to file, even if we want to. That may change by next January when we are supposed to file. We should also obtain a TIN (Tax Identification Number). But if we do not, and continue to bring is funds but have none that are assessable, the fine for non reporting and non payment is equal to the amount owed - so nothing.
Even for those who may have some income that is assessable, then if tax has already been paid, then under all DTAs, this is credited either here or at home so is paid only once. With Thai rates low, and allowances decent, there will usually still be no extra tax to pay.
But if you want to panic, run to another country, store cash under mattress, or other silly extremes, feel free to do so.
PH
This is not correct. Only the bank issuing credit and debit cards have full information of your ATM withdrawals and credit card transactions. Even the tax office in your country doesn't have normally access to this, they can get it only if you are under investigation.
The AML govt agencies around the world use the concept of "entity resolution", this is decisive info to attribute a transaction to an entity. It could be something like this - full name + DOB + passport number + address. In Australia something similar is 100 points identity identification. The ATM withdrawals or CC purchases do not provide complete information to third parties and the transaction can't be attributed to an entity except by the issuing bank.
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6 hours ago, aussienam said:
Common reporting standards (CRS) though, implemented last year for Thailand means access to transaction details. A recipient bank in Thailand from a UK bank - whether the funds are transferred to your Thai account, to a cash withdrawal facility (ATM) in Thailand, or paying a Thai merchant into their account via VISA, etc, are all traceable and reveal remittances into Thailand.
I watched an expat forum last year and a rep from a financial attended to talk about all of this and said ATM transactions and using cards for purchases wouldn't necessarily be a way to hide your incoming remittances/spending here. Especially if there were large amounts solely being used on cards.
Will TRS bother with all of this? Who knows. But if they really wanted to (technology and transaction data is now all available) they easily could.
Where did you find info that banks would provide transaction info under the CRS? There is no such thing. Only summaries are provided.
Also it looks like the banks are semi-voluntarily providing that information. Recently a couple of Aussie banks were asking me in forms if I'm a tax resident of another country, probably for CRS reporting. No need to guess how I answered.
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I helped a Thai restaurant owner in similar case about an year ago, they needed a bit of video processing of the CCTV footage. An European looking lady skillfully put a 100 baht banknote below a 1000 baht one, and then claimed she gave 2000 and blamed the waitress.
The owner told her to come the next day to get refund after they review the CCTV footage. She never came.... probably on the way out she saw there was a camera right above her table.
It was very skillful and quick banknote placement, I had to split the footage in frames to notice the different banknote colour.
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49 minutes ago, Thingamabob said:The TAT are favouring quantity over quality. Big mistake.
That's always been the case. Low class destination.
I'm driving almost every day in Samui, there always a steady flow of tattooed, shirtless, no helmet scum around me, trying to break the road rules in every possible way. I feel that I'm living in Thai version of Mt Druitt or Blacktown.
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17 minutes ago, georgegeorgia said:
Yes very true .
They actually can TELL you I believe to GO back to your home country to seek treatment, but we may need a travel insurance expert to comment on this.
And I may I dare ask....do we have travel insurance academics on this forum,those who are considered "experts" in travel insurance
It is not that difficult....read the product disclosure statement end to end. It is usually around 70-80 pages. You need to disclose pre-existing conditions, and don't get too drunk and leave evidence.... usually claims are denied for alcohol level higher than 0.19
There are tons of specific exclusions like trekking above height of 6000m and other potentially dangerous activities, but there are insurers which may cover these with higher premiums. Also obviously don't travel where the government tells you not to, your claim will be denied.
I went through a number of policies to settle on the Bankwest credit card travel insurance. Their wording don't mention requirement to reside in Australia, as I'm most of the time outside. It covers 6 months without any spending on travel required.
The tricky thing is all Aussie insurances require that you need to have a return ticket to Australia. If the return date is not clear, one can work around with booking a flight with frequent flyer points, these can be cancelled up to 24 hours before the flight with little penalties.
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1 minute ago, Chivas said:
Christ that makes it even cheaper
I assume ( the mother of all f*** ups) that cover is open to all foreign nationals ??
Without looking at it I assume that it requires to be a citizen or permanent resident of Australia living in Australia, and your trip originates and ends from/in Australia. There are no Australian policies AFAIK without requiring the above. The only only one I could find is the Bankwest credit card insurance which doesn't mention "usually living in Australia"
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41 minutes ago, georgegeorgia said:
Yes
I noticed their claim of runner up 2023 Canstar award of the year !
I must say after reading the Psychometrics of Risk management recently I am now studying or should I say "researching" the miniscule details.
I have asked them to send me proof of how far back they were in "runner up" of the 2023 Canstar award ,
Read the reviews on Google maps and the fine print.
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17 minutes ago, richard_smith237 said:
One major issue / clause with travel insurance is...
Will they continue to pay for treatment / an ailment once back in your country of residence.
I know someone who was just injured - their travel insurance covered their medical costs while over-seas.
They also needed an operation (torn ligament) and opted to have that back in Bangkok.
If they'd have had the operation while overseas their insurance would have paid for it (with pre-authorisation), or paid for their return home (earlier).
Upon return to Bangkok, the travel insurance would not cover the cost of the operation - as they said the person was back in his country of residence and his local insurance must pick up the tab.
I was of the impression that the travel insurance would cover the continued cost of treatment from an injury occurred while overseas (during the period of cover).
So... Advice: Ensure exactly what is and isn't covered as insurance companies are notoriously tricky about what information they give up.
I read my friends policy and there is no clear mention that continued cover is stopped once the injured party is repatriated.
That's the case of most if not all travel insurances. You are required to nominate a country of residence to be repatriated to. If the insurer estimates that it will cost them more to keep you in the country of claim, they'll dump you in your country of residence and is your problem from there on.
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2 minutes ago, ravip said:
I will be visiting Australia next week, for 1 month.
Can someone recommend a SIM for a tourist?
Data 6Gb would be fine, and some local calls.
I will mostly be around Melbourne.
Thank you in advance.
https://www.optus.com.au/prepaid/traveller-sim
Last time I saw a kiosk at the international arrivals in Sydney, I imagine there would be one in Melbourne as well.
Otherwise head to the large supermarkets like Coles and Woolworths, there are always prepaid sim packages on sale.
If you have a phone with esim you may be able to order and activate it online, the Amaysim prepaid sims can be bought as esim as well.
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19 minutes ago, Sandboxer said:
It all sounds great on paper but after having done a quick Google search as well as the ISG forum, it seems that err......female company, be it p4p or casual/easy, is basically non-existent or at least super difficult.
So, hard pass (for me). For now.
But interesting nevertheless.
One thing I noticed in Albania is that there are almost no female waitresses in the restaurants.
The families are protecting a lot their women, if you mess with a wrong family you'll wonder in which part of the world to hide.
Wonderful country for short visit, but it is the most criminal infested nation in Europe, tons of brutal gangs controlling drugs and sex trafficking across Europe.
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1 hour ago, riclag said:
Do the women appreciate older men similarly to “some Thai Girls”?
I can’t say enough about hospitality.Im often treated with dignity , respect and worth , here.
I especially like the bowing & complimentary , Thank you to love me.
No snow is a plus too.
Yeah...give it a go.
https://exit.al/en/albanian-blood-feuds-more-than-10000-revenge-killings-in-30-years/
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12 minutes ago, Olmate said:
Yes, 75 is out, not returned in 7yrs so not sure re Medicare, but assume can do.More meaning travel issues.. also cover for thai partner I failed to mention.slap.
Medicare is more than enough, for medical will cover anything wrt emergency. If your Thai partner is below 60, get Safewings or World Nomads insurance, from what I've seen the Thai providers coverage is too low for serious issues in Australia.
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12 minutes ago, ChaiyaTH said:
Doubt that makes any sense he says 'lets say a month' to stay.
In case of medical emergency less than a month stay in Australia may cost you hundreds of thousands. Last time I saw prices in the North Shore Private Hospital basic ICU was around $5200 AUD per night.
Second phase of Thai-Chinese high-speed rail project approved
in Thailand News
Posted
I can't think of any type of industry where China didn't get stronger in the last 5 years. The actions of the US government paint the real picture - increasing number of "trade probes", sanctions etc. Nothing has worked so far.