4MyEgo
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Posts posted by 4MyEgo
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On 4/19/2024 at 6:01 PM, chang1 said:
Beging is a crime. This is why I don't give to any beggars meaning he is harming people in genuine need who resort to Begging.
It's a crime because the authorities might see it as shameful, get them out of societies way, you know the society that failed them, alcoholics, drug addicts, and the homeless ones on the streets, can't have that, move along nothing to see here.
Giving to a beggar is a choice, I give when I see it fit, because I have a choice, when and if, your luck is down and out, I do hope someone does give to you, because being a hard a$$ to me serves no purpose in life, but each to their own, like I said, it's a choice.
I also don't judge as it's not my place.
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On 4/19/2024 at 6:12 PM, sometimewoodworker said:
You did rather ignore the fact that a concrete roof will continue to radiate heat for a much longer period than metal one. And while insulation will reduce the amount radiated into the roof spaces it doesn’t eliminate it.
The rain noise will be greater on metal than concrete but you will still get some.
The heat is in the attic/roof space, it doesn't come through the insulation batts and insulation blanket, the whirly birds do a great job extracting the heat from the attic/roof space and if you have a gable roof, having those saloon door style vents assists in allowing the air to move around, therefore creating a sort of vacuum for the air to get sucked up and out of the whirly birds.
I am not here to convince you, suffice to say if I stick my head up into the manhole, I can feel the air moving at a pace and I can see the whirly birds spinning. Someone once said to me, but you need wind to move the whirly birds to which I replied, mine spin 24/7, no need for wind, as long as there is hot air in my attic/roof space, they spin.
You say, the metal roof doesn't heat up as fast as the concrete tiles, or doesn't hold the heat for as long as the concrete tile does, to me it doesn't matter, when I tested all 3, the concrete tiles took the longest, I didn't test if it would hold the heat for longer, I was looking for something to take longer for the heat to penetrate, couple that with thermal reflective sissolation, insulation batts, whirly birds, vented eaves and those saloon style door slates, the hot air is being removed from the attic/roof space and I don't get the sound of rain coming into the house, let alone know when it's raining because we here nothing having concrete tiles.
At the end of the day, everyone researches things according to what they want, that said, we are very comfortable and glad we went the way I decided to go, and if you asked me if I would replace the concrete tiles with metal sheeting tomorrow if needed, my answer would be no, because the rain noise issue was looked into as well when I was looking into the roof tiles.
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1 hour ago, sometimewoodworker said:
in direct sun A metal roof with sufficient insulation will not heat up the interior at any greater speed than than a properly insulated concrete (cement tile) roof
So what you are saying is that a metal roof with insulation will not heat up the interior at any greater speed than that of a concrete tiled roof. If it has a gable roof I will agree as it will have enough clearance in the attic for the hot air to be circulated, that said, I would assume that the noise from the rain would be noticeable at times, vs nil from the concrete tile on a gable roof.
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Begging to buy drugs is better than committing crimes to buy drugs, IMO.
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On 4/17/2024 at 12:33 PM, NorthernRyland said:
Yet very common. What's a better solution? I guess you can do foam insulation metal sheeting but that's kind of ugly if nothing else.
Not heavy if you have a steel roof.
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On 4/18/2024 at 1:17 AM, sometimewoodworker said:
It seems that your studies did not include anything to do with night storage heaters! If it did you would know that cement is a good storage medium for heat. The mass of the cement tiles will nicely absorb the heat from the solar furnace AKA the sun, and then radiate that through the night keeping you nice and toasty warm.
So in fact metal roofs are far better than cement, as they don’t store anything like the amount that cement does.
Your entitled to your opinion.
I am not going to argue with people who think differently, fact of the matter is, as stated in my original post reply, 1 to 5 works fine for us and our place.
You believe what you like, that said once the air cons kick in at 2pm on 40 + degree temps for a few hours, then turned off, the house remains cool until we go to bed around 10pm, and we usually turn on the air cons on at around 9.30pm in each room that we sleep in and turn them off at 10pm, whereby a floor fan takes over in each room till we awake, so your theory of our house being nice and toasty throughout the night is incorrect, suffice to say you come to your conclusion without knowing how our house is designed and if sun hits any of our cement rendered brick walls.
Sometimes it's best not to assume, as I mentioned, I studied roofing for years, not to mention which way our house was going to face, what construction materials we were going to use, what side of the house our bedrooms, living rooms, kitchen were going to be on and how they were going to be shaded from the sun. The roof design, cement tiles, sissolation, insulation batts, whirly birds, cross ventilation, and eaves were the easiest part as was parting with the 10% of what it would have cost me to do back in the old country.
It helps when you lived in a similar climate, and have an understanding of buildings, construction materials and designs, like I said, having I studying roofing before I went down the path I did and if anyone has a different way to reduce the heat in their roof space, then hats off to them, but I doubt it, and your statement that metal roofs are better than cement roofs just goes to show you have no idea what you are talking about IMO.
At the end of it all, if your house is cool without you having to put the air conditioner on in 40 + degree temperatures till after 2pm, you win....lol
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On 4/17/2024 at 12:27 PM, CharlesHolzhauer said:
Weight or heaviness does not influence the penetration of heat.
I actually tested how long it took for the heat to penetrate the cement tiles vs the Thai conventional fibro tiles and metal deck sheeting, cement tiles took the longest.
I don't know how you believe it to be any different, nothing to do with weight or heaviness, it's to do with the thickness of the tile and what it's made of.
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On 4/17/2024 at 12:11 PM, IvorBiggun2 said:
Too heavy.
Not if you have a steel roof frame, only way to go, plus no termite problems, ever.
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On 4/17/2024 at 12:01 PM, CharlesHolzhauer said:
Cement tiles to reduce heat penetration?
The thickness of the cement tiles on a gable roof (height in attic/ceiling) assists in reducing the heat penetration into that space, coupled together with the thermal reflective sissolation under the roof tiles, plus R38 insulation ceiling batts will reduce the heat further coming through till at least 2pm, plus the whirly birds to suck any excess heat trapped in the attic/ceiling during the 40 degree temps is the only way to go in my opinion, proof in the pudding so to speak.
Just ask yourself what time you put on the air conditioner in these 40 + temps, as mentioned, ours goes on at 2pm, one at the front of the house and one at the back of the house, floor ceiling fan at each end of the house in front of the air conditioners to help push the cool air to both ends of the house which is about 30 metres long.
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1 hour ago, tomster said:
I need to insulate a roof on a bar as cheaply as possible.
Whatever you try will be money washed down the drain, but as they say in Thailand, "up to you".
I studied roofing for years and the only way your going to reduce heat penetrating below your roof is to:
1. Put in a gable style roof
2. Put cement tiles on
3. Put in Thermal reflective sissolation under the tiles
4. Put in a gyprock ceiling with insulation batts above the gyprock ceiling.
5. Put in a couple of whirly birds
We have an external area of 80m2 with an iron roof above and a gyprock ceiling, it has two big whirly birds on the roof which extracts the heat already below it, i.e. it's an open area. I know that if I put insulation batts above the gyprock ceiling, it would reduce the heat from above, however as we never use the area apart from drying clothes, it would have been a waste of money, however the house has 1 to 5 above and remains cool throughout the day, with the air conditioner turned on at about 2 pm on days that hit 40 degree or thereabout.
Trying to combat the heat on the cheap here is like trying to live here without an air conditioner.
Best of luck anyways.
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17 hours ago, KhunHeineken said:
"interpretations" of legislation
Something you have fail at miserably, your personal insults will refrain me from contributing further because I remember clearly, one can't move forward in a discussion with you, because you go around in delusional circles, cheerio.
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17 hours ago, KhunHeineken said:
The reasons you mention, and some more, is why I sleep better at night than guys who have exposed themselves to a Thai missus, and Thai laws here.
Glad to hear you also sleep better at night, I would hassard a guess that you have been stung badly by a Thai wasp previously and found out the hard way, that is, you didn't have a leg to stand on after the fact.
One would hope you are one of those guys who lives and learns, but I personally doubt it, more likely doesn't get back on the horse that threw him off of it.
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16 hours ago, KhunHeineken said:
The earnings from the capital I would have to spend to buy the condo I am living in earns more money than the rent I pay on my condo, and I have no other ongoing expenses, and the freedom to move, not to mention, that capital is pretty much on call.
Please do provide me with your calculations over a 10 year period, i.e. rent down the drain, capital that you would have invested and the interest you would have earned in that 10 year period, don't forget the outgoings and the area you would have purchased in, please don't cherry pick and use real interest rates at call.
16 hours ago, KhunHeineken said:Your comment is another one of your throw away lines. It doesn't take into account anything else other than the old, very old saying that "rent is dead money."
That is exactly what I am saying, it is dead money as is money in a bank account where inflation makes it worth less and less year in year out, unless you have assets you have invested in, your money (interest) is also dead money.
16 hours ago, KhunHeineken said:You don't address the changing of an area, the health of the owner, the life expectancy of the owner, over development and poor construction practices affecting resale value, interest rates, death of Thai missus, relationship breakdown, being scammed etc etc. Just a broad comment, "rent is dead money." A very narrow view, in my opinion.
Again, rent in dead money, narrow view is your opinion. I put down my example, if you wish to widen your view as you did, knock yourself out, it still doesn't reflect what I mentioned, rent is dead money, it earns nothing, does nothing for you except provide shelter for you, i.e. a place to live for a period of time earning zero $'s. You cannot argue with the fact, no matter how much you want to deflect it with interest earned, as interest earned is also dead money when inflation is taken into consideration.
17 hours ago, KhunHeineken said:What is your advice to those with no kids? Is it still, "rent is dead money?"
Yes, rent is dead money, regardless if one has kids or not, if one was humane, one would want to look out for their partners future, i.e. having their own roof over their head when the breadwinner is gone, time spent together = value in the long term, that is unless you count all your pennies and or perhaps don't have enough to support your partner, each to their own. I believe there is a name for such, Cheap Charlie comes to mind.
17 hours ago, KhunHeineken said:Bullets are cheap in Thailand, a lot cheaper than lawyers. Balconies are free.
I take it you don't know much about Thailand, well let me spell it out for you, money = power, and unless my wife's family have money, which they don't, it means they don't have power and wouldn't dare take me on, bullets & balconies are for falangs exiting this life due to being broke.
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7 hours ago, Nemises said:
^ Agree.
I also prefer to pay the ridiculously low rent in Thailand. The AU OAP (plus income from some other investments) easily covers the rent thus allowing me to 1/ never having to worry about being stuck with often noisy & often inconsiderate Thai neighbours 2/ potentially losing my house should my partner dies before me 3/ freedom to move wherever/whenever I/we want.
As mentioned above, each to their own.
Yes rents are ridiculously low in Thailand, but they come with a price, i.e. rent, no matter where you live, goes down the drain, that I learned very early in life.
Noisy neighbor's of course depends on where you choose to live, sometimes you can't help it, however in our case, we have none close enough, but not far away to bother us.
Losing your partner is inevitable, however we hope to go 1st, and of course a will can will, will assist you to move on if you have kids that respect you and agree to do as you tell them when the time comes, e.g. sell and move on, and buying them something else for their future, whether it be here or back in the home country (dual citizens).
As for a wife's family stepping in, not an issue, they can try, but don't have the $'s to challenge me, i.e. they wouldn't want to, let alone able to pay for a private hospital bill visit vs the local vet hospital 3 times to be sent home without any causation, whereby the private hospital sorted it straight away, compliments of the Farang son in law paying the 5,000 baht bill, with the mother in law doing wai's at me from dawn to dust, yes Meh, I am the best son in law you will ever have Krupp.
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17 hours ago, KhunHeineken said:
Many relations go south not long after a new house and land package is purchased. However, there are other things that can happen, for example, what if she was to die before you????
What "IF", naturally I would have to assess the situation when it arises, but it would be more than likely that I would relocate, whether here or back to my home country will depend of a few things.
17 hours ago, KhunHeineken said:Of course you are going to tell us how well you get on with her family blah blah blah. We've all heard the same story before, then, the farang gets kicked out of the house and land he paid for.
Your a funny guy, the family has always been at arms length, suffice to say, if they ever tried to do such a thing, one could say that accidents do happen, i.e. homes do burn down, but one would have to be so shallow to consider such an act. Just so you know, I am not one of those guys who sits on a barstool looking at young fillies day in day out, I am the type of guy who sees what he wants and executes that he came for....lol, hence the reason my wife has a will in place, for the house, all her land holdings, furnishings, gold, car etc which would be passed down to the kids and in turn, I will be the one who has the last say, e.g. house is going up for sale, car, furnishings, gold etc, and all the proceeds would end up in my account. If the kids want to go a different route, then they would have to weigh up if the want to lose out on the bigger picture, i.e. 90% of my assets overseas.
The above said, we have raised the kids in a way that they know how to appreciate the kind of lives they have compared to others here, and how quickly life can change if they go against the grain, just a fact of life.
17 hours ago, KhunHeineken said:I'm with BMT. Renting is the best thing to do in Thailand. The funds to buy the condo I am living in, should it go on the market, is safe back in Australia earning more a month than the cost of the monthly rent, and I have no other fees, taxes, and maintenance to pay, and the freedom to move at anytime, or for any reason.
Each to their own. If the wife did pass, the value of that I would deem the property is worth, would be what it cost me to build, albeit it, that it would be worth much more than that. That said, I would consider it free rent for the period of time that I lived in it and would reinvest it into a couple of properties for the kids here, i.e. if they wanted to live here, and the reason for that is so that they don't have to worry about having to pay rent all of their lives and of course, a clause would be in the agreement that they cannot sell it before 10 years, with a caveat showing they own me the value of it's actual cost, which would revert to zero after 10 years. By then I would anticipate that my time here would be up, so if they wanted to pi$$ it up against the wall with everything else here, it would be "up to them".
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Too the moon..................
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1 minute ago, bob smith said:I made
I made 40,000 in interest the other day without even getting out my bed!!
much love,
BOB.
Bob, those of us who have money, I mean enough to survive on till we are 101, don't throw it away on 10,000 baht steaks, if they exist, or gloat about buying a 4,000 baht bottle of wine, but please, do knock yourself out, as it's kind of entertaining.
Sounds like you have the mine is bigger than yours syndrome.
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1 hour ago, Trippy said:No matter how much cash you have, living on a budget is the best way.
Agree, however money gets chewed up with inflation, e.g. cost of everyday items going up, making your baht less and less.
Assets are your best way to grow your money, suffice to say, I know there are a lot of naysayers here, but Cryptocurrencies, naming Bitcoin as a great store of assets, which also grows exponentially, that said, it is a high risk, high worth asset, and 99% of baby boomers will miss the boat when it takes off to the moon after 20 April this year after it's halving cycle, and into the year 2025.
We all know the other types of assets there are to invest in, but there is no other that the above which has outperformed ALL major asset classes in the past 10 years. Forget the negative press that you have all heard, it is now approved as an ETF and is here to stay, doubling in value since mid January. Don't believe me, just look at it's 15 year record.
Being brave isn't the absence of fearing the unknown. Being brave is having that fear but finding a way through the unknown.
To answer the original posts question, never short of a dime, why, because being retired doesn't mean you sit down on your rear end getting fat and drinking beer. It is the time of opportunities, being out of the slave trade hours and 30 year mortgage belt that we all worked to make a crust to survive, now to reeducate ourselves and look for opportunities to further excel and add to our retirement nest egg, after all, it can be a tax free exercise and really is effortless now that we have the time, all you have to be able to do is you read, invest some money and make some long term decisions, 2-4 years.
But as I said above, the baby boomers will miss out because it's all too difficult to retrain the brain to the new electricity or internet, i.e. Cryptocurrencies.
See you on the other side, I hope.
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4 hours ago, BritManToo said:
If OP had rented in Thailand and not bought,he wouldn't have encountered this problem!
Life is full of risks, and of course you have to do your due diligence.
I have been here for almost a decade, and I never considered renting, why, because in the time frame the rent paid, would have exceeded what it cost me to build this house. e.g. lets assume a rental of 20,000 baht a month for a 2 bedroom condo in Hua Hin x 12 x 10 years = 2.4 million baht.
In those years, I might have had to move if the landlord wanted to move in or sell up, and of course, then you have rental increases, so the 20,000 baht per month would go up.
1. I don't like rental increases
2. Disputes with landlords over electricity bills, bonds when moving out.
3. Given notice to leave for whatever reason, whether it be a year, 2, or 3 when I want to be in the same place as moving is stressful.
I built a place on my wife's land, so technically speaking you could say she is the landlord and I am as exposed as much as a tenant would be when it comes to any rights, and yes I am aware foreigners can't own land, and yes I am aware of the Usufruct agreement which offers protection to the farang who built the place, but I have never been interested in such an agreement, as I only invest what I am prepared to lose in this case say 2 mil plus furnishings.
As my "landlord", has been with me for almost 2 decades, she deserves the house in return for looking after me all of these years, albeit I have been the bread winner, so it's a mutual benefit where both parties win and if the relationship went south, she ends up with the house, and I 90% of my assets overseas.
It's easy to judge another persons downfall, if you want to call it that, as opposed to not understanding their individual situations, so you could well be mistaken in this situation.
Renting has always been at a loss, suffice to say, I have enjoyed the almost decade living in this big comfortable house, which cost me less than it would have renting a 2 bedroom condo in Hua Hin for example.
Regardless if it belongs to the landlord, and at least it's not dead money, it's something for her to have in the future vs dead rent.
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39 minutes ago, TroubleandGrumpy said:
Read my posts - obviously you have not out of spite anger or whatever.
I have provided another alternative to those words, plus several additional reasons why an OAP is not taxable income.
Regardless of what you believe or what your opinion is, because you, and you alone believe what you believe, doesn't make you right, it's actually detrimental in the way you perceive things in life.
You have to agree, that you cannot get a better clarification (independent) of you or me or HK, on Article 18, i.e. from the Ministerial Correspondence Team for the ATO, who in case you didn't read it, stated that if you are a RESIDENT of Thailand, your age pension, is TAXABLE in Thailand.
There is an old quote that says, "You can't convince anyone of anything. You can only give them the right information, so that they can convince themselves.
Also some people know they're wrong, but just like to argue.
The above said, I have beaten this dead horse enough, believe what you want, just don't try to convince me with what you believe, because there is nothing more right than Article 18 of the DTA, which is backed up by the Ministerial Correspondence Team for the ATO who are independent to anyone on this forum.
Hoo-roo..............
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2 minutes ago, TroubleandGrumpy said:
You got a link? I dont want to waste my time looking for your khrapp posts.
Knowing you will not do that and that I will not bother anyway, my response it obvious.
You are wrong - the OAP is not taxable income in Thailand.
If you were correct you would be able to respond to my posts in this thread and refute them.
Because you cannot do that and because you have not even tried.
IMO THE OAP IS NOT TAXABLE INCOME IN THAILAND (see my posts above for proof)
You really should go to the Topic, start from page 193 onwards. Hopefully this will quash your opinion.
It's never to late to say, I misunderstood what I was reading and that I now understand that the age pension is taxable in Thailand under the DTA, but is your ego bigger than you ?
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3 hours ago, TroubleandGrumpy said:
Still waiting for your reply with details of why you think the Old Age Pension is taxable income in Thailand - so are others.
All I/we have received is a cut and past from the DTA - where is your rationale and thoughts?
Go to the Topic Old Age Pension, you could probably start from page 193.
My reasons and rational are posted there, I don't like to repeat myself, as for the "other" they already know my posts and reasonings.
You should really catch up.
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18 hours ago, TroubleandGrumpy said:
Well said mate.
I see you found a soul mate......LoL
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On 4/3/2024 at 8:40 PM, TroubleandGrumpy said:
Good riddance - we are all far better off on this topic sharing our opinions. I have met a few dipsticks in my time and what is very much a constant with them is that they immediately abuse anyone that dares disagree or criticise what they state - and they never defend their stated position.
If you think I abused you, you misunderstood....LOL
I disagree with the below from your post above, and provide you with a copy & paste of Article 18 & 19 from the DTA, as I couldn't copy the link for some unknown reason and went back to the OAP topic to extract it from one of my previous posts in that topic.
Article 3 - General Definitions
Article 4 - Residence
Article 6 - Real Property
Article 11 - Interest
Australian Treaty Series 1989 No 36
DEPARTMENT OF FOREIGN AFFAIRS AND TRADE
CANBERRA
Article 18
Pensions and annuities
1. Subject to the provisions of Article 19, pensions and annuities paid to a resident of one of the Contracting States shall be taxable only in that State.
2. The term "annuity" means a stated sum payable periodically at stated times during life or during a specified or ascertainable period of time under an obligation to make the payments in return for adequate and full consideration in money or money's worth.
Article 19 Government service
1. Remuneration (other than a pension) paid by one of the Contracting States or a political subdivision of that State or a local authority of that State to any individual in respect of services rendered in the discharge of governmental functions shall be taxable only in that State. However, such remuneration shall be taxable only in the other Contracting State if the services are rendered in that other State and the recipient is a resident of that other State who:
(a) is a citizen or national of that other State; or
(b) did not become a resident of that other State solely for the purpose of performing the services.
2. Any pension paid to an individual in respect of services rendered in the discharge of governmental functions to one of the Contracting States or a political subdivision of that State or a local authority of that State shall be taxable only in that State. Such pension shall, however, be taxable only in the other Contracting State if the recipient is a resident of, and a citizen or national of, that other State.
Ceiling Insulation
in DIY Forum
Posted · Edited by 4MyEgo
Most foreigners that I have spoken to don't bother with insulation, let alone sissolation, and their reason being, it costs money and they are better off with the air conditioner going all day and night.
Now who would I be to try and educate the uneducated, so to speak.
You are correct when you say it is very unusual, however as I mentioned, it is not only the sissolation and insulation that gets rid of the heat load, you also have to have whirly birds, vented eaves and those saloon style looking slated door vents on a gable roof, mine having an attic clearance of 5 metres at its peak, also I didn't mention, we have high ceilings, i.e. 3.3 metres, which also helps.