canda
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Posts posted by canda
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4 hours ago, simoh1490 said:
From previous threads on this subject I recall a small number of people being required to pay tax on income from rental property in Thailand.
Think you will find that rather than being taxed on income directly, at the time one sells a property a higher percentage of tax is applied if rental income has been earned, also more so if the property is less than 5 years old.
CANDA.
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1 hour ago, toofarnorth said:
Would this be a Thai dictionary or English. In 12 years I have never ever been called a farang by a Thai or ferlung. The black strip you drive along is called by most Thais ' The load ' Which dictionary might that be in ?
As you are trying to communicate to a primarily english speaking audience, would you not consider using the English language correctly, maybe you might find people actually understand what you are talking about without scratching their heads.
I would imagine most English dictionaries ( & Thai for that matter) would make reference to the word farang.
A suggestion...go to google & type in...define farang ..then try again with whatever the nondiscript word you are using is...you might find the result enlightening !
CANDA.
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1 hour ago, toofarnorth said:
Only ever been called a ferlung , never been called a ferang . Maybe there are parts of LoS where 1 ferlung will call ferlung a ferang.
I'm afraid you are incorrect, the correct word is farang, if you don't believe me look up a dictionary.
CANDA.
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1 hour ago, toofarnorth said:
Myself and a mate were talking about this yesterday , We came up with 2 new words.
Ferlangera ..........Someone who bangs on about how things are not the same here as back home.
Ferlungabore ..................Someone who gets you cornered and when there is no room to escape goes on about the same thing over an over.
Now me and mate are well into retirement age another thing I have not heard since being here , arriving 2005 is ' Sorry , can't stop '. These are the best days ever. Hope I didn't drift too far off topic.
Hi toofarnorth, shame during your 12 odd years of experience here you haven't discovered that a non Thai is called a farang.
CANDA.
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Hi Owenm,
Getting the Australian Aged Pension was an issue in the past, but from Sept 2014 changes came into effect. Yes, full pension is paid if living abroad permanently, and if was a resident of Australia and of taxpayer age for 30+ years, will be paid the full aged pension. For 25, and 20 years the pension will reduce by about 20 or 25% .I read on other forums that people from Australia have problem get there pension if outside Australia more then 6 month per year, have you look into that ?
Remember to account for XX.XXX - XXX.XXX baht per year for a Health / Accident insurance.
I won't however reach 67.5yrs to be eligible for another 11yrs so anything can change between now and then. I'll be using my superannuation funds, paid as a monthly amount, rather than lump sum, to see me through to Government Pension age. I don't want to touch my Superannuation until 60yrs otherwise it's taxed at 15% . And I have saved funds to last me till then hopefully.
I've read debate on whether to self insure, or pay for a Private Insurance policy, which has exclusions for pre- existing conditions, namely my rheumatoid arthritis. And with the choice of policies and limits and the expensive cost to insure, I think I'd take the punt to cover myself.
I'm an expat of 8 years happily living in Phuket, my partner & myself are both on retirement extentions & have no problems with the 90 day reporting etc,.
A couple of points I'd like to add in regards to the Australian Age Pension & Health Insurance here in Thailand...as we are both at the age that claiming the pension will soon be a possibility (5yrs & 8 yrs) we have been looking into the difficulties in doing just that, we have checked into the changes that were brought in in Sept'14. but the major issue with us is the fact that unless you are qualified as a "Resident" at the time you are lodging (therefore living full time in Australia for 2 years prior)or are residing in one of several recriprocating countries, you will not be granted a pension nor portability in regard to said pension, or, if you are recently returned to Australia & lodge the pension application & are granted the pension you must remain in Australia for a period of 2 years without a break or your pension will be cancelled until such time as you return to finish the 2 year period.
The above information you mention is mostly correct,though the reference to quote "yes, full pension is paid if living abroad permenantly" we fear is not true & unless we missed the changes we will live in hope of a policy change in the future... If you could verify the quote we would be most appreciative... as it's the stumbling block a great many of us are worried about.
In regard to Accident & Medical insurance, a recent issue that I had might encourage you to reconsider, again we both have full cover insurance, which we set up soon after we arrived in Thailand, we both had pre exixting issues & we stated that, we had no problem with setting up the policies, nor were there any additional costs incurred. Recently I had a health scare & it was necessary for me to have an overnight in one of the better hospitals here in Phuket, exploratory surgery was involved & though it wasn't invasive I was quoted over 400,000 baht for the costs, after the medical insurance was sorted out it ended up costing me just over 10,000 baht excess.
As you are about to make the move here, you might want to take some time to look at the various insurance companies, bearing in mind setting up a policy well prior to your 60th birthday (as some companies won't cover you if you decide after you turn 60) though have no issue of continuing insurance to an existing client who is turning 60.
Hope the above is some help.
Best regards,
CANDA
Thanks Canda
One thing I love about TV is that although nobody knows everything on every subject, but collectively everyone who contributes assists other members greatly.
I did some research, and on the topic of eligibility for the Australian Aged Pension if living outside of Australia, in a country that doesn't have a reciprocal agreement, namely Thailand, it would in fact require the recipient to return and reside in Australia for a period of 2 years either prior to or after reaching retirement age, which can vary depending on DOB, but would fall between ages of 65-70yrs currently. As you stated, which if left unchanged by government legislation, can cause a major disruption to one's long term retirement plans in LOS. It would however be a good excuse to return home for 2 years, on a shoestring budget, and realise what one has left behind in LOS.
If one had a postal residential address, back in Australia, and if one applied for the pension in Australia, would Human Services be aware of one's travels? If one left Australia to NZ, would the Australian Customs not think that they were residing there, which is a reciprocal country, and be unaware that another flight is booked from NZ and continued the journey to Thailand long term? The Australian pension could be paid into an Aussie bank account, transferred online to another Aussie bank account with a different bank, and withdrawn or transferred monthly to a Thai bank.
I don't know whether what I've surmised is possible or been attempted before.
And thanks for your advise on health insurance prior to 60yrs, and checking if pre-existing conditions can be covered. I'll now definitely look into this when I make the move next year.
Cheers Owenm,
Glad I could offer you some help, I remember when we took the leap of faith & made the move from Australia how many questions we had. I agree with you the Thaivisa Forum has a lot of helpful advice available.
It's quite interesting trying to research the Australian government's web sites re the Aged Pension, it's almost like certain info isn't mentioned, if you get what I mean.
I like your thoughts re flying via a reciprical country & then onwards to LOS etc... you sound like a man who thinks outside the box. Not sure if you have had a look on Thaivisa Forum into.. Visas for other countries, (subsection) Australian visa etc, Aged Pension, well worth a look on the latest of several hundred pages of questions & answers.
As I mentioned, we have a couple of years to contemplate what our plan of attack is, we still have family & friends In Australia & visit at least once a year, but other than existing bank & non property investments, we have cut ties with Australia overall, financially we are pretty well off, but are determined to do what ever is needed to qualify for what we believe we have well and truelly paid for with taxes etc over the 35+ years we worked, we won't be forced back to Aust. to grovel on benefits for a couple of years prior to the OAP date so if worst case scenerio we plan to do a couple of 1 year stints in Greece, apparently, you can even apply for the Aust. OAP there. We have a couple of properties here, one is permanently rented out & our current home was recently built & is in a resort situation & we can either close it up or add it to the rental pool etc,. long term visas in Greece are similar to Thailand, not working, having a reasonable amount in a bank account etc,. applying via a Greek embassy & Bob's you uncle. Foretunately, we have friends that spend every season in there second home on the island of Paros & we tend to head there for holidays most years, so for us an extended stay my be a way around things...the cost of living there is reasonable & we can have access to good accomadation,again at a reasonable cost... our main issue with that plan is we would prefer to keep our current retirement extention visas here, so it would mean timing renewals before flying out from here & then returning just prior to the next years extention date, so could be interesting... anyway it would show the determination to gain the pension is there !
Anyway, I would be keen to know of your thoughts re the above, again just a plan at this stage, but unless the Australian Government don't start giving rather than taking it might be a necessary, I applaud your advance planning re your big move next year, Thailand is an amazing place to live & like yourself we decided a far better place to retire to. Please feel free keep this post open or P.M me if I can be of any further help.
Best Regards,
CANDA
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I read on other forums that people from Australia have problem get there pension if outside Australia more then 6 month per year, have you look into that ?
Remember to account for XX.XXX - XXX.XXX baht per year for a Health / Accident insurance.
Getting the Australian Aged Pension was an issue in the past, but from Sept 2014 changes came into effect. Yes, full pension is paid if living abroad permanently, and if was a resident of Australia and of taxpayer age for 30+ years, will be paid the full aged pension. For 25, and 20 years the pension will reduce by about 20 or 25% .
I won't however reach 67.5yrs to be eligible for another 11yrs so anything can change between now and then. I'll be using my superannuation funds, paid as a monthly amount, rather than lump sum, to see me through to Government Pension age. I don't want to touch my Superannuation until 60yrs otherwise it's taxed at 15% . And I have saved funds to last me till then hopefully.
I've read debate on whether to self insure, or pay for a Private Insurance policy, which has exclusions for pre- existing conditions, namely my rheumatoid arthritis. And with the choice of policies and limits and the expensive cost to insure, I think I'd take the punt to cover myself.
Hi Owenm,
I'm an expat of 8 years happily living in Phuket, my partner & myself are both on retirement extentions & have no problems with the 90 day reporting etc,.
A couple of points I'd like to add in regards to the Australian Age Pension & Health Insurance here in Thailand...as we are both at the age that claiming the pension will soon be a possibility (5yrs & 8 yrs) we have been looking into the difficulties in doing just that, we have checked into the changes that were brought in in Sept'14. but the major issue with us is the fact that unless you are qualified as a "Resident" at the time you are lodging (therefore living full time in Australia for 2 years prior)or are residing in one of several recriprocating countries, you will not be granted a pension nor portability in regard to said pension, or, if you are recently returned to Australia & lodge the pension application & are granted the pension you must remain in Australia for a period of 2 years without a break or your pension will be cancelled until such time as you return to finish the 2 year period.
The above information you mention is mostly correct,though the reference to quote "yes, full pension is paid if living abroad permenantly" we fear is not true & unless we missed the changes we will live in hope of a policy change in the future... If you could verify the quote we would be most appreciative... as it's the stumbling block a great many of us are worried about.
In regard to Accident & Medical insurance, a recent issue that I had might encourage you to reconsider, again we both have full cover insurance, which we set up soon after we arrived in Thailand, we both had pre exixting issues & we stated that, we had no problem with setting up the policies, nor were there any additional costs incurred. Recently I had a health scare & it was necessary for me to have an overnight in one of the better hospitals here in Phuket, exploratory surgery was involved & though it wasn't invasive I was quoted over 400,000 baht for the costs, after the medical insurance was sorted out it ended up costing me just over 10,000 baht excess.
As you are about to make the move here, you might want to take some time to look at the various insurance companies, bearing in mind setting up a policy well prior to your 60th birthday (as some companies won't cover you if you decide after you turn 60) though have no issue of continuing insurance to an existing client who is turning 60.
Hope the above is some help.
Best regards,
CANDA
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You forgot to mention all the hookers !!!!!!!!This is sad, so many Thai's make there livings after 10:00. Bartenders, Bands, Food service, Tuk-Tuk drivers and a lot more. No TV or internet, no groups of 5 or more outside, what are they suppose to do? Soon those people will not be buying things from people that work in the daytime, all we'll be hurt in the end. So Sad!
CANDA
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Hi usasia888 & a belated welcome to the forum.
Hopefully you might still be following your post & have not been put off by some of the doom mongers who tend to turn an interesting request for information into a rather boring game of one upmanship.
My partner & myself have lived on Phuket for several years now, we were originally living in Australia & after a couple of holidays here we started to consider the option of actually relocating to this beautiful island we now very much call home.
The plan was to move here to retire but we realised that financially we could make the move much earlier than we had antisipated.
As a couple of posters have mentioned some areas & particularly some of the south end of the island are quite overpopulated to be comfortable, in our early days searching for a property to buy, we concentrated on the northern part of the island, the fact that we travel a lot, it made more sense for us to be closer to the airport & eventually we ended up finding a pool villa development just on the edge of Laguna Resort complex, it was early days for the development & we ended up buying one of the first villas to be built.
The development has continued to be built at a very good standard & our villa has needed little if any mainenance,
We have quite recently retired & our previous home is now an income, as we have bought into another pool villa development, again off the plan, on Chanote title, though this one is a bit different than most others, I won't give certain posters the opportunity to "pick it to pieces" as is a common occurence, so if you are at all interested pm me & I'll give you some further info... what I can say is it's set in a real paradise situation, away from the hustle & bustle but close enough to all that Phuket has to offer, the resort is set up for both residential & rental pool, full services are included, pool service every second day, gardeners & maid service if required, the land lease component can be purchased & a buyer then has up to 2 years to decide to build, the actual build is of quite good standard & generally takes a year to complete, a major plus is the pricing is not overinflated as so many others are.
We have been here in our new place for just over 6 months now & really enjoy the fantastic environment, fresh air & mountain fed freshwater, the choice of swimming in our own pool, the resort one or at the beautiful secluded ocean beach, the resort restaurant & bar is available whenever we want a meal overlooking the sea & full the facilities of an adjacent resort are available.
Other than our ownership & the share options that are available to the various owners, we aren't financially connected to the development, we like the other owners are expats, a couple of retired ex pilots, executives & business folk who have stumbled across a small piece of paradise.
In regard to Phuket overall, I wouldn't be too put off by some of the previous posters, Patong & it surrounds are just what they are, set up for the pleasure of wall to wall tourists, maybe nice for an occasional night out or to take overseas friends to, once they start visiting your paradise home, believe me there are a lot of really beautiful places to visit on Phuket, not forgetting day trips / weekends to the mainland & off shore islands, come & visit, take your time & find your way to some of the hidden gems that the average tourist never sees, also, the new airport is fast approaching its finish, new road systems soon coming online, upgraded & new shopping centres & world class hospitals & facilities that are important to a retired couple are available.
There are a lot more pluses than minuses here on the 'Pearl of the Andaman', you just have to ignore the bit of bad press & focus on all the positives that the island has to offer... a lifestyle ( and a damn good one at that!)
Regards,
CANDA
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True Vision does not have. CTH has the Australian Network. http://australianetwork.com/
http://www.thaivisa.com/forum/topic/654737-cth-nationwide-satellite-and-cable-dealer-list/
khwaibah, I think you'll find it will be available on Truevisions come Tuesday 22nd of April's new programming & renumbering.
It is listed as channel 125 on the new listing, it has been rumoured that the Australian Network was coming to Truevisions for at least the last 6 months, at last it appears that it will be available in just a couple of days.
CANDA
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What an absolute slap in the face this waste of money is for the almost 400 Muslim folk & the couple of resorts that exist on Coconut Island.
Located within a couple of minutes of Phuket & close to the CBD. but bereft of mains power in this day & age, the government had already allocated the funding for underwater power cabling previously, but somehow this has dissapeared. In the meantime, the resorts have to generate their own power at an exorbitant cost & the villagers borrow a small amount. The only 'winners' here are the suppliers of the fuel for the generators.
Using just part of this 250 million baht to 'power up' Coconut Island would certainly make day to day life much more "livable" for the people that actually need it, rather than building another mosque somewhere in the backblocks of Thalang.
When was the last time any of the greater population of Phuket did without power even for a day ? there is usually an uproar if there is an extended power outage, try living without a reliable power supply day in & day out !
CANDA.
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I like to give Thais the benefit of the doubt and say they're not thieves...they're opportunistic.
And like everywhere, there are thieves.
Thanks Pinot,
I agree, like everywhere there are good & bad, it happens the world over.
Bye the way, I didn't suggest the assistant in question was actually Thai !
Regards,
CANDA
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having not been there myself and having never met the OP or the sales person i would say it is just as likely the money was lost as stolen.
only the sale person knows, and even then only if he actually took it.
but really who cares, the the op has taken one isolated incident and generously turned it into another us against them cautionary tale.
you can never be too careful here, the place is heaving with "them".
Thanks GirlDrinkDrunk,
'Who cares"...well, you mightn't, but I certainly do, I agree it was an isolated incident it & hopefully won't happen to me again, I explained what occured & suggested to be carefull when handling money, be it here or anywhere in the world for that matter!
I was careless placing the money there, but did so as I was about to go through the check out, otherwise it would have been in my wallet... I certainly didn't suggest "an us against them scenario", I have lived here quite a while, am well integrated & have never had a problem before.
You are welcome to voice your opinion, but please don't cast me as one of the 'whinging farang' that so many suggest when they don't have anything worthwhile to say.
Regards,
CANDA
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Hi Shot,Cliff Notes, by Shot
Went shopping
Bought something
Put 2000B in my front shirt pocket
Walked to car with salesman
Salesman saved my life, and may have picked 2000B from my front shirt pocket
Yeah, went shopping but didn't end up buying anything,
go figure,
3,000 baht folded in the bottom of a tailored well fitting shirt, not at all easy to fall out
no life saved, I was stationary at that point about a metre & 1/2 from the actual car that was slowly reversing out in front of us & behind another vehicle as I said previously his reaction seemed like an over reaction, but of course how would I know, I was only the person involved.
Regards,
CANDA
its already gone up a grand.
Inflation?
If you had read my post before jumping in you would have realised I mentioned a couple of thousand baht, which can be greater than 2...you actually suggested it was 2,000 bt
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Canda you have absolutely no right to suggest or even hint that anyone stole your money without proof
of any kind, your assumption is disgraceful. I, and I am sure many posters, have had items, including money
fall from my shirt pocket.
Hi phuketjock,
Well there you go, I was assuming I was residing in a country where free speech was allowed.
I may suggest what occured & given the chain of events that led to my conclusion!
Take it as a warning not only to take care of your own cash handling, but also be aware that just perhaps you may be vulnerable.
3,000 bt folded once and placed in the bottom of a tailored, fitted shirt top pocket doesn't just fly out, nor could it just fall out... perhaps in your case you wear loose fitting garments.
Regards,
CANDA
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You lost your dough. Just accept it
Thanks for that IrishIvan,
I have accepted it, but in saying that I need not have bothered posting, I was there & I know the circumstances you don't... accept that !
Regards,
Canda
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Cliff Notes, by Shot
Went shopping
Bought something
Put 2000B in my front shirt pocket
Walked to car with salesman
Salesman saved my life, and may have picked 2000B from my front shirt pocket
Hi Shot,
Yeah, went shopping but didn't end up buying anything,
go figure,
3,000 baht folded in the bottom of a tailored well fitting shirt, not at all easy to fall out
no life saved, I was stationary at that point about a metre & 1/2 from the actual car that was slowly reversing out in front of us & behind another vehicle as I said previously his reaction seemed like an over reaction, but of course how would I know, I was only the person involved.
Regards,
CANDA
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The chances of you putting the money in your top pocket, a car backing out at that precise moment in time, the shop assistant being in arms reach at that precise moment, and also a good pick-pocket, does seem like a little too coincidental/opportunistic.
On some occasions, I have placed items in my shirt pocket, I have bent over to pick something up and the item has fallen out.
Is it possible this is what has happened?
I agree with you NamKangMan, but perhaps more opportunistic than coincidental, the fact that he saw me place the money in my top pocket, which was actually 3 x 1,000 baht notes folded once & placed in the bottom of a good fitting cotton shirt (not the type you see a lot of farang wearing) I would have to have stood on my head for the money to have fallen out. The car was not that near either of us, again, that's why I thought it was a bit strange, but anyway I thought I would post what occured, in a way of possibly warning others & also suggesting people be aware of their own cash handling practices.
Regards,
Canda
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Hi All,
Thought I might warn others to be wary when shopping here in Phuket. I wasn't going to post about this occurance, but my experience may perhaps ensure this may not happen to any unsuspecting folk.
Thursday last, I was out shopping with my better half at one of the large stores on the island, we were looking for something for our new house, (I won't mention the item or the name of the shop as forum rules & laws would suggest I don't) We were informed that the item we wanted wasn't available, though one of the other stores had it in stock, no problem, we would take a drive to the other store the next day & buy the item.
The next day we went to the other shop & one of the assistants located the item in the stock room whilst we waited near the check out, when she came back the item was in a rather large package, as is usual, a lot of foam & cardboard, not sure whether it would fit in our car I asked if it could be measured & I would then go out & check with the tape measure to check whether the item would actually fit, soon into the opening, checking & measuring, a male assistant offered to assist us, as we were at the check out area I had removed the couple of thousand baht for the item & rather than put it back in my wallet, placed it in my top shirt pocket, (something that I never usually do.)
The male assitant offered to come with me to check the car's interior measurements & at the time I didn't think this was out of the ordinary, heading into the carpark, a car started to back out just in front of us, to which the assistant now on my right flank, literally threw his arm across my chest in a warning of the reversing car, again somewhat odd as I had seen the car clearly & had stopped to let the car manouvre,( though at the time I put it down to him being perhaps extra cautious & thought nothing more,) at the car I measured whilst he stood at the rear & then we headed back into the shopping centre, at this point I went to my pocket to locate the cash to discover it was gone, not noticing, that in the mean time his demeaner had changed somewhat & he was quite briskly walked back into the store, never turning back or even acknowledging myself or the package that seemed so important 5 minutes earlier, heading several aisles into the back of the store.
I then waited for the young lady to be found 15 minutes later, stocktaking, I explained that somehow I had misplaced the money etc, she seemed concerned briefly but the English skills that had been quite good a little earlier had dissapeared, as had my money & the male assistant to boot !
The penny dropped as I ran through what may have had occured, but I didn't take it any further, my word against another, no real proof...Never been scammed in the many years here but will accept it as a lesson learnt, being even more cautious in the future !
Regards,
CANDA
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Hi jdogweb,
I have a beautiful resort style pool villa available. I've pm'd you.
Regards,
canda
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Hi Emma546,
There's a lady vet that breeds Maine Cool cats just out of Thalang, she's located about 5 minutes from the main intersection, along the left side of the road to Baan Don / Laguna. She is a good vet and was very kind when we had our little dog Jas with her.
Hope this is of some help.
Andrew.
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I am trying to find a farang friendly Tyre Dealership in Phuket, recently our Toyota Vios had its 90,000 k service and they suggested we need a new set of tyres. Hoping to locate a dealer that is not a rip off, we want decent tyres but am not sure what an average new set is worth, location wise, we live in the Thalang area so would prefer somewhere around this area or as far as the centre of the island, preferably, not at the bottom end of Phuket.
Could any of the learned forum members steer us in the right direction...Thanks in advance.
Regards,
Canda
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It's called Silence Anti- Snoring Spray, by Omega Pharma UK.
Pretty clearly visible on the topic header !
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does it have a name?
I as going to ask same question...I guess he has his mind on the spray and forgot to mention the name.
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Hi Everyone,
I have an horizon type overflow on my cement pool via a granite edge, we have had previous minor leaks from under the granite when the pool isn't actually running.
I had successfully repaired this with a type of Epoxy Cement which I purchased at Homepro here in Phuket, it comes in two parts which you mix together and then apply underwater and it sets, thus stopping the leak.
Recently I have caught our pool guy, one of our garden ladies and the odd guest standing and walking on the granite overflow, which has caused the earlier repair to obviously crack again so I need to source the cement once more.
We will be in Bangkok in a couple of weeks so was hoping to find it there.
We certainly don't want to involve the pool company that we have service it as even a minor problem is considered a Big Job....
Any advise would be greatly appreciated.
Regards,
CANDA.
Any Westerners long staying in Thailand - ever tax investigation?
in Thai Visas, Residency, and Work Permits
Posted
Why would I need a work permit to own properties here ?
I pay an agent & accountants do any work, they keep me informed on what 's required.