dontoearth
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Posts posted by dontoearth
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On 2/7/2020 at 2:39 AM, Happy Grumpy said:
Nonsense.
It is down to diet AND exercise.
As I said.
Intake less calories than you use, and you lose weight. The food doesn't matter. Intake 3000 calories of ice cream and chocolate donuts every day, you will lose weight if you are burning 4000 calories a day.
A healthy balanced diet will keep you healthy while you exercise to a point of burning more calories than you intake = healthy weight loss.
Truly the science has turned against this theory. There is so much out there to refute the CICO crowd you wonder why they don't do a few google searches on their own.
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I think you should go to a local atty skilled in immigration matters and ask this and only this,"Am I legally married in the USA?" I think the answer is no. Just marking some forms that you are married doesn't really do it. You would have needed to get everything filed at the US embassy and gone thru homeland security screening etc. In the event the atty says you are married ask about the abandonment divorce law in your local. In some areas of the US just swearing you do not know the location of your foreign wife and filing a 90 day paper is all you do to get a divorce. Did it myself in Chicago Cook County just two years ago.
Lastly, she will never get into the USA under any circumstances and will never bother you again. Go to a good therapist or hypnotist with the goal of forgetting she ever existed. It will help you a lot with your medical problems.
Best of Luck. I am divorced from my thai mistake wife by abandonment and in remission from cancer so their is hope.
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On 7/22/2019 at 10:41 PM, WaveHunter said:
Most people find they can accomplish far more than they believe. Just about everybody is capable of such changes if they are truly serious about fat loss. It all really boils down to how much you really want it.
It is more than how much you want it! It is what you are willing to do to achieve it!
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8 hours ago, Rama said:
As someone that was a notary in the US at one time, notaries in the US only certify that your signature on a document is a true signature and that the person signing has presented document (drivers license, passport) to show that they are really themselves - they don't certify to the veracity of a document. Really doesn't mater what the document says or doesn't say. Doesn't require a specific place for a signature. Just tell them you will sign at bottom or end of document. Its takes nothing to become a notary in the US, so you can imagine that most don't know what they're doing. Lawyers understand, and lawyers always have an inhouse notary. Keep on trying different notaries or go to a lawyers office to get done quickly.
Exactly what I did a few years ago. Notaries do not care what is in a document they are only attesting to your identity and signature. So a neatly drawn straight line with an X at the beginning and a request to the notary that they notarize your signature should be all that you need. I had several different documents like this over the years of my travel from various embassies and never had a problem once I realized that notaries are not attesting to the validity or truthfulness of a document. They are only responsible for your identify and your signature not anything else. You can even get a paper notarized that says you take tea with space aliens if you want. As long as you are signing somewhere on the document and have identification.
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Another article on inflammation as cause of weight gain.
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I have been very sick lately and my doctor has me on a antibiotic maintenance plan and have picked up 8 kilos. This article explains why. I should be able to leave this plan in about 6 more weeks. It will take some time to get the weight back off my body.
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4 minutes ago, RocketDog said:
If you are telling me the EU has no bail in laws then, with respect I must disagree with you.
What happened then and in 2008 in America is just a preview for much more graphic coming attractions.
The whole world is swimming in debt well past any realistic ability to pay it. Printing money does not substitute for creating real wealth.
We're heading directly for a global financial reset. Nothing short of benevelont aliens landing is going to change that. Research what the IMF is saying these days.
Hold into your hat and your assets.
Agreed. In 2007/2008 I was amazed at how many of my friends were living on home equity lines and second mortgages and signature loan money with their houses hocked up to the legal limit! As the crisis unfolded the houses were hocked beyond the legal limit and they were worried about wolves knocking at the door!
Having some little manageable place to live that you own the deed to debt-free clear and available for you to hunker down may be the best possible investment you have ever made. Two would be even better but that is hard for most people. And I don't mean things like time share condos and vacation properties. An actual physical real property you can stay in 24/7 365 if you need too.
A secure safe with some cash would be good too. In a true total meltdown like 1929 there were no ATM's and no credit cards to speak of at all. Cash money did start to disappear and become rare as bank branches closed up. I assume in a real meltdown today ATM's and credit cards would be worthless and not honored for even grocery items.
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8 hours ago, Kenny202 said:
Just because the banks are "insured" anywhere is no guarantee unless govt guaranteed. Recently saw a doco on the housing collapse in the USA, Fanny Macs etc and they say the insurance system is 50 times more fragile than the banking system. Some of these insurance companies underwritten by a string of 10 other sub underwriters. Its ok wen everything is stable but should there be a catastrophic event will fall like a house of cards
Sent from my SM-J730GM using Thailand Forum - Thaivisa mobile app
In the USA we have Federal Depository Insurance. The checking and savings is finally when all other avenues fail guaranteed by the government. You do have to look for the FDIC sticker on your bank door or on your statements or on their website. Somehow the new fake banks run by insurance companies and tech guru websites have not been forced to join FDIC. This will lead to a real problem in a crash for younger millennials and customers that are not more alert.
I don't know how other countries handle the insurance portion of deposits.
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3 minutes ago, ttrd said:
So whats happened to the recent suggestion about a 10 years visa for expats with the intention of making things easier - is this a result of decision makers inability to communicate with each other ...??...
That was for sometime in the future. Announcements like this in TH come all the time. The future does come tho.' at all.
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13 minutes ago, gentlemanjackdarby said:
Yes, deposits in Thai banks are protected by deposit insurance.
However, Thailand banking regulators have steadily decreased the amount of bank deposit protection - when initially implemented, deposits were insured up to THB 100,000,000 (about USD 3,000,000) and that amount has been stepped down over time with the final step set to go into effect in about 18 months to only THB 1,000,000 (USD 31,000). Not very much protection at all.
According to Bangkok Bank's website, foreign currency deposits are not covered by deposit insurance.
It seems to me that if the Thailand banking sector was extremely sound, that amount wouldn't be so low; after all, just like a well-made car, if something is 'great', it costs nothing to give a great 'warranty' since customers should very rarely need to use it and it helps with 'sales', which in this case is getting folks to deposit money.
As with any deposit insurance scheme, the plan can be whatever the financial regulator wishes it to be; the proof of the pudding is in the eating, if it comes to that.
Thanks. So the monthly deposit scheme for a retirement check is completely uncovered. Basically you would only be a out a month or two if the proverbial 'shit' hit the fan. If you were using the money to live on. If you were building it up to the 800K you would be completely out of luck in a panic. Thailand had a such a panic about 20 years ago but I didn't know anyone back then in TH.
If you deposit it lump sum the 800k. You are out all of it since its a foreign currency source deposit which it would be for most retirees.
I am no longer considering TH for a one year retirement visa. I will scoot in and out on a 60 day to visit friends and not hold up here for the winter anymore.
I did like living a hotel, and eating out, and joining an expensive health club for the winter and doing tours of the countryside and living the life of leisure and frankly contributing to their economy rather nicely when I lived here more long term, but I am sure I can do that in many other countries.
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2 hours ago, mlkik said:
800.000 baht is not very much if you genuinely have retired and have committed to living in Thailand.
Maybe the people getting worried do not really have enough to retire here? I know many people worry about the exchange rates,if that is the case again maybe they are not financially ready for retirement here?
I am far from being well off but I have put enough money in a Thai account to ensure a worry free retirement.
Interest rates here are no worse than my home country. I am not wealthy enough to speculate and possibly lose on the investment of stocks and shares . Therefore I see no reason not to have savings here.
I never ever got a straight answer if the Thai Banking system was insured and guaranteed. In other words in most of the developed world the banks are insured against deposit losses which might occur during a great natural disaster, economic destabilization or government change over that backfires. Some TVF members swore YES YES YES. Others said it was as complicated question. A few said only for Thai citizens. Others said there was a law that the original deposit had to be in Thai currency to make it insured. Or a thai citizen had to be on the account also.
There have been cases all over the developing world where the banking system just suddenly deflated and the deposits were gone. It happened during the great depression in the 1920's in the USA and Germany the more developed world. Those countries have insured their banks. It should not happen again. It has happened in latin and african countries very recently.
Does anyone really definitively know? I know I am bound to get the answers from our more elderly and out of retirees telling the tellers are nice and friendly or the bank manager dresses well. These are not criteria for making a deposit in the bank.
So I see reasons not to have savings here! On the other hand this is really just about the amount of money I spend when I live in Thailand. It certainly would not be my life savings. I would keep the bulk of my money in the USA.
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On 1/4/2019 at 10:15 AM, Caldera said:It will be interesting to see how they will handle new (future) retirees from 2020 on - will they expect them to start their monthly deposits one year before applying for their first extension?
What future retirees? ???????? Thaivisaforum found 1,000's of their readers that were contemplating leaving the kingdom in the last few years, indeed actually did so. I consider a system this complicated (compared to the top 15 retiree spots all over the world) as an invitation to leave.
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It would be nice if they had a category in the survey which said, "limiting my trips so not worrying about long term visa anymore."
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21 hours ago, JimmyJ said:
When I first started investigating this about 2 years ago I was informed that Thai BHT bank accounts ARE insured. Not if they are in another currency.
I heard this too but I was also told by a knowledgeable Thai business owner that foreign customers that made their first deposit from a foreign source, Say a US guy depositing dollars from his US account for his first account in Thailand would have his account labeled US dollars and not be insured. Same would go for monthly transfers from the US.
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2 minutes ago, tropo said:Of course, an easy system is in place - stick 800k on an account and be done with it. The problems here are more to do with lack of sufficient funding than anything else. Thailand was an easy place to retire for people without much money. That was most of the attraction. There was one comment from a member that he had millions of DOLLARS (62 million baht plus) parked in trading accounts at home, yet he wouldn't want to park a mere 800k on a Thai bank account for 3 months a year. That's pretty hard to believe.
I have no commitment to Thailand and as far as I know they have no FDIC insurance. This is the USA system that is used to make sure you the individual get the account money back in the case of the banks default or bankruptcy. We got to watch our banks close up in fast motion here in the US just 10 years ago. I didn't loose a dime.
I was working in TH during the financial panic in '97. I never did get any straight answers from anyone about the banking system here. I was being paid in cash in Thai baht so it was not a problem for me. Friends made out like bandits because they had US dollars and could take advantage of the baht plunge to buy expensive stuff for next to nothing. I didn't have that kind of money to risk back then. I wish I had picked up some of the gold and rolexes at half price!
I meet the income requirements to get a retirement visa. It has been easy to deliver those to the Thai consulate in Chicago for a retirement visa. I had a terrible experience at Cheng Wattana and will not be heading back there.
I am not willing to put money in most foreign banks. I can understand not wanting to sell off investments to put money in a Thai bank. I would not sell off my investments to put them in a US bank either actually.
I made my money by NOT being foolish. I am going to keep it the same way.
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20 minutes ago, tropo said:
LOL> A "fun life". You sound like an immature teenager without a care in the world. I think most expats are past looking for fun and would settle for a comfortable, organised lifestyle with no stress about constant rule changes. Many just want to enjoy married life with their families.
Thanks for the compliment. I definitely want to enjoy being a teeanger as long as possible!
You are correct. I don't have a thai wife or thai relatives.
I would enjoy a more organized more together retirement visa system. Hopefully, someday.
For those staying I am hoping for the best and the least amount of hassle. I will just be a short-time visitor from now on in TH.
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28 minutes ago, blackhorse said:The banker was showing you how to word the embassy letter. Just doing his job
I had the same but still managed to open an account at 2 banks, BKK bank and thanachart without anything but a tourist visa
Dress nice, tell them you want to transfer money for a condo purchase.. Use your imagination. Honestly if you give up at this minor hurdle I doubt very much you will succeed in Mexico eitherI was in Mexico having dinner with my friends which have retired in MX. No 90 day forms! A 6 month visitor pass at the airport for free and then you can file one permanent resident request and upon approval it is good for life!
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3 minutes ago, galt67 said:
Interesting you mentioned BKK Bank as not opening an account for you.
I know a well known Pattaya go-go, that on an irregular basis, has BKK Bank staff there 'opening new accounts.'
Just show up with your passport. That's it.
I went to the Bangkok Bank the Silom branch about 2 years ago and they completely refused to let me open an account and after much polite discussion they asked for an embassy letter of approval that I could open a bank account. I asked that they show me such a letter and the banker had a big plastic binder book of forms and did show me one. I don't know if the permission letter will be effected by these changes. I could not make heads not tails of what the letter was actually saying but the banker liked to file and keep them in her big plastic binder book.
I had Thai friends that wanted to help by 'fixing' things for me but I am sick of this way of living.
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8 hours ago, robblok said:Why an exodus ? its not that hard to put money in a Thai account. If you have the money its just moving money around.
It has gotten harder and harder to open a bank account here in TH. My older friends that have been here years have accounts but I was turned down by several banks and even the Bangkok Bank which has done my friends said ,"NO!" They asked for an embassy letter. ROFL! Oh my! The Bangkok Bank had a New York City branch which made it easier to get around US laws that make it impossible to transfer more than 10K without being reported to the US govt. I heard Bangkok Bank is closing the New York branch. It seems the govt. would like our money but they haven't told the banks. And the banks don't seem to want it. Thai friends have agreed to take me to the bank and clear the way but it all seems like that will only solve the problem until they come up with the next retirement visa change. I wonder when they will go back to the discussions demanding mandatory medical insurance proof or purchase? Again, I have health insurance but can you imagine the hassle of getting the various forms that would be required.
I have more than enough income but I am tired of the hoop jumping. Other retirement countries don't do all of this nonsense. The various groups that rank international retirement living have moved Thailand down in the ranks again and again. From a top 5 ranking years ago, to the last time I looked they fell below 15 and the immigration and ease of residency requirement score was 61 pts. D- if you remember your school grading system.
In any case, I concur with most thaivisa forum members posting here that are starting their plans to leave. I enjoyed it. My friends are great and I will miss them, but time to head elsewhere for a fun life. Mexico ranks number 1 right now on most of the surveys for foreign retirement living. My retirement visa expires soon and when it does I am not renewing. Maybe short jaunts I will miss old friends but no more living here the winter months of the year.
Change that immigration motto from Good Guys in Bad guys Out to "We pissed off the good guys and we will continue to fight with the bad guys!"
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On 7/19/2018 at 9:22 AM, britishjohn said:
Problem solved, with the help of a member here I found a place in Sala Daeng with several boxes in stock. I now have enough to last me 2 years. The expiry date is 2022.
There must be a problem with supply at the moment however because I tried another very popular pharmacy in that area and they told me they didn't expect to get any new stock until next year.
If you buy it over the counter here and self inject, TRT costs you approx $10 per month... peanuts. A lot of people don't like the idea of self injecting but I now use an insulin syringe, the needle is only about 1cm long. I inject once a week about 3 inches below the hip area which is the easiest for me and completely painless.
Could you tell us what you got brand and amount! Most test is mixed with oil and requires a much lower needle than an insulin syringe.
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On 7/19/2018 at 4:12 AM, KhunFred said:
I am from America, where TRT treatments would run 300 USD per month. Does that clarify it for you?
Even worse Khun Fred the US medical system has standardized on the gooey gel Androgel which has no effect on 20% of the patients which use it and doesn't raise test very much at all (from their website data). And you can't get injectable test here in Chicago unless you are transitioning from FTM as I went the extra mile and saw two different doctors $175 each visit. That was their news after checking with pharmacy at their major hub clinic.
It is available in Mexico and many people do a weekend in Puerto Vallarta. The clinic there looked like Yoskarn clinic expensive prices keeping out the locals but a true bargain if you are USA citizen.
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On 7/19/2018 at 2:20 AM, KhunFred said:
There is a Swiss doctor in Pattaya who specializes in TRT. Here is the web address for Dr. Olivier Meyer.
https://www.dr-olivier-clinic.com/
His site says testoviron is out of stock. I had ordered in the past twice from him. Very reliable and good service. He still has Nebido but that is a time release formula that last 10 weeks in your body and is 1,000 mcg. It needs to administered by a nurse or doctor and takes a few minutes and hurts like HELL. I have taken it at Yoskran clinic when I am in bkk doing gym routine. It requires a huge needle and a few minutes of time as it is very thick. You will hurt the next day. The yoskran clinic does the whole 9 yards full hormone panel and hcg cycle at the end etc. It is very pricey but I am not the type to do my only injections at home and have not found a hospital or clinic that would do reliable hormone panel test.
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4 hours ago, NanLaew said:
I think that their inability to assist with this when the OP revisited them earlier was related to admitting quite a major procedural flaw in a having an unattended border post. I mean the whole country could have been invaded by the Burmese that day and who's fault would it have been?
Rectifying erroneous passport stamps is always the remit of the immigration office/officer where the incorrect stamp was applied. Plenty stories of people with insufficient or too many days entry granted against their visa or extension on entry at Suvarnabhumi having to go back there to get it sorted.
Since this is a no-stamp issue at a backwater border post, I would say polite obsequiousness and 5000 baht should get the OP an entry stamp. As mentioned by BritTim, the IO's are NEVER wrong and in this instance, the OP is clearly in the wrong since you just don't walk in and out of countries, anywhere.
I had an experience similar to that. My visa was extended at the airport as the sleepy officer didn't realize it had already started its countdown from my entry a few months ago. I went to the big main palace. Cheng Wattna I was told. "You bad man. You make thai do bad! " They have a form you fill out. They get out an eyeball camera and rephoto you and then they give you a 30 day stamp. I know I paid some fees but can't remember what they were.
Basically the form said it was my fault they stamped it wrong and my duty to report it and fix it.
They have done the same thing again this year and I am just going to in and out until my 1 year expires and then head home for a year or two.
In the ezine international retirement living Thailand has fallen to 15 from near the top ranking and immigration and residency has a 61 score out of 100. D-. All other things being equal the last few years it seems Immigration has dragged them to the bottom of the ratings.
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Just buy a single package or two for experimenting. I could never find a way to choke them down...UGH! And I am sucker for beetroot and bitter apple and all sorts of appetite killers and fillers. I never found them dried! That might help a lot. The ones in slime...oh .. the world slime says it all
fat loss not as hard if you commit
in I'm Too Fat Forum
Posted
It is not all water weight. You can get more accurate info by finding a scale that will give you the full body measurements. I used Tanita's BIA (Bioelectrical Impedance Analysis) technology, the body composition monitors can measure #your: weight, body fat percentage, body water percentage, muscle mass, physique rating, basal metabolic rate (BMR), daily caloric intake (DCI), metabolic age, bone mass, and visceral fat.
There is one here in bangkok at the Olympic club and you can get a full measurement when you work out with a nice body composition maps. I measured about every 4 weeks to track progress. Low carb diets are not all water weight loss at all like so many people swear.