khunPer

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About khunPer

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  • Birthday 09/07/1949

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    Koh Samui

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    Koh Samui

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  1. No, you cannot stay in the Danish healthcare system, when you move to Thailand – I'm Dane, and speak from experience – the first thing you need to give up, when signing out of Denmark, is your healthcare card (Da: Sygesikringsbevis/Sundhedskort), even any taxable Danish income will still tax you for your healthcare share. It has to do with the 180-days rules – which many, if not most countries follows – retiring in Thailand with permission of extension to stay, mean you stay here more than 180-days a year, and therefore is "taxable" to Thailand (including some countries have double-taxation-agreements, like Denmark-Thailand); and giving up 180-days stay in Denmark, and registered address (ownership of permanent home), release one's taxation to Denmark, which in most cases are beneficial when living in Thailand. So moving permanent to Thailand, a Dane need either health insurance, or to be partially or fully self-insured. Returning "home" and re-entering the Danish health-system is not as simple as an air-ticket, as one first need to sign-in as permanent resident, finding a permanent address/home i Denmark, and one will also be fully taxable (again) to Denmark; which can be problematic in some situations. Furthermore, the incident might be a case, where repatriation is as simple as a seat in an airplane, but extremely difficult, and extraordinarily expensive. There have been various posts about the amount needed for self insurance, which may both have to do with use of private hospitals, or the more affordable government hospitals – which may not always offer the same fast service as private hospitals, and in other cases be almost the same; however, it can be different from province to province if a governmental hospital is an option – and if more than one major incident shall be included; i.e. if you spend almost all, or all, of your self-insurance-savings on one incident, wheat happen if you need more care, or relapse, or another disease event occurring? Some talks about 800,000 to 1 million baht, others mention a minimum of 3 million baht. Health care and personal accident, is a major issue to consider – the need of the first, health care, can partly be judged from family health-inheritance, and partly from life-style – it's probably quite individual what each person need to set aside, and also can afford in either insurance, and/or self-insurance...
  2. Wise words – as always from Charlie H – and also the way my Thai GF and I are living fine together, our 13th year now. But there can be reasons where a marriage agreement is beneficial – for example for Visa and extension when under 50-years old; and for children, as some countries may claim marriage before granting citizenship to a child born abroad by a foreign mother; in heritage, as some countries may tax (a lot) higher, when not married (not Thailand, but home country, like my Scandinavian); and probably also other situations...
  3. Agree with user taiping, to my knowledge the right way to do it. The book "Thai Law for Foreigners" (ISBN 978-1-887521-57-4) mention it in page 62-63, and especially the Thai translation part, so the Thai partner understand it (shall be read to her). The book also says, that "A prenuptial agreement is a new concept to Thais. Most don't know about it, al all. It is not common for Thai couples to enter into this type of agreement." and: "It is recommended that the prenuptial agreement is drafted by an experienced lawyer and possibly be prepared as a bilingual agreement..." –normally it's the Thai-version of an agreement, that is the legal document.
  4. Weather forecast is clouds and some silent rain – after Samui-standard, only few millimeters per hour and some 20-30 millimeter in 24-hours, which is "nothing", but little needed water for the gardens – the wind forecast is 2-4 m/s, so calm, and waves 0.3 to 0.5 m.; not enough to stop bigger boats and ferries like Lomprayah; however speed boats may bump as usual when getting close to Haad Rin... You can find a good long-term weather forecast here... And wind and waves here... Oh yeah, you asked about weather right now..! My view towards Phangan is: Sunshine, mercury about 29 centigrade, scattered clouds, almost calm sea, pleasant – but for many too little – breeze, to just cool a half naked beach body a little bit down...
  5. You can buy "cheap" acoustic guitars many places – "cheap" is relative like the length of a rubber band – some is for sale at evening markets, or when you pass a bigger town on your way to Koh Phangan, you can often buy one in a shopping mall or inside BigC.
  6. Not knowing if OP has found a ukulele yet, but I noticed that BigC has a quite amazing selection in the bicycle-department – well, they also sell little musical instruments there, including a nice kids-size drum-kit; just mention it, if one's home is becoming too quiet – maybe it can also help others, in search for musical instruments...
  7. No, it has to be Ceylon Tea – but that's also among Tesco Finest selection...
  8. BigC, Tesco-Lotus, and various computer-electronics shops – and even the so-called 20-baht shops sometimes have them (but you may end up with more than one for 20 baht)...
  9. Lars C, Planning 10-15 years ahead may be little difficult, however good to have a long term goal. I say it, because I try to look 10-15 years back at the place where I settled here – i.e. that would be around 2002 to 2007 – and figure out if planning from then, would equal the situation now. Lots has changed, some people leave and say it has changed to worse, but if you're not "living in the past", it may have changed to the better. Already when I came to the place in 2001-2002, some were talking about the changes and left; whilst for us newcomers it was "paradise". What I'm saying is, would you be among those, that wish to leave, 10 year later..? About buying a home, I would suggest to buy land, where you intend to settle, but don't buy a house or build anything on the land. I say that from my experience, as a house in Thailand needs lots of maintenance, due to different weather and other conditions, termites for example, and when you don't live in it, it may need even more care. A 10+ year "old" house may not be what you want to live in, and what if your view of the area has changed. Land is "easy" to sell, but getting the invested money back from a house might be more difficult – more difficult, because a used-second-hand house in Thailand is often worth less, than you build it for, whilst in many Western countries we are used to that old houses increase in value. So buy the land and keep it – land prices generally goes up, and in some areas a lot up – and when you decide it's the time for a move, rent something close to your land and be there, when building a house, the way you want it. The money/funds you can set aside for a house may be well placed in Thailand, in Thai baht, as you are going to use the money in local currency, and know what you have, when avoiding currency exchange rate fluctuation; however you can play the game with a potential lottery win – or loss – saving up in foreign currency. Placed in long term fixed bank deposit, or bonds via Thai mutual funds, you can earn a net interest around the Thai inflation rate, or even beat the inflation. Depending of location – as land price is mainly location – you can have a nice home for 3-5 million baht; especially if you take the time to find the right materials for decoration. Half your construction cost, or more, can easily be everything that comes after the cement structure, bricks and roof – you can find really nice and reasonable quality stuff, if you take the time to look around; i.e. contract to pay for the work, but only including materials for concrete structure, and buy all other materials yourself. A monthly budget of 30,000 to 50,000 baht for two people is really a rubber-band, because it's totally up to life-style. Having a house and mean of transportation, some can live excellent for 30,000 baht a month – others need that minimum for a week's survival. So yes, your monthly budget will work, if you include the unknown factor "inflation" – i.e. your 30,000 to 50,000 baht may not have the buying-power you imagine, when we talk 10-15 years ahead – again looking back at my own experience from 10+ years as early retired here, I'm still on roughly the same budget, but have limited little compared to 10-years ago; but not that much that I feel it's a worse life-style now... But what is important to consider, is the lump sums you need in Thai baht. One is for your retirement extension, 800,000 baht in a Thai bank deposit – it's much easier to just leave the money there, if you can afford it, than a combined method with bank deposit and verified monthly income – the other is a "rainy day account" for unexpected emergencies. The latter is important, as you need to consider health insurance – which can easily be 5,000, baht a month, if you wish a reasonable cover, knowing the premium will increase as you get older – or self-insurance, or a combination. And even with a full health insurance, an alien in Thailand needs instant acces to cash, just in case... I will say, one always shall have 100,000 to 300,000 baht available – can be for anything ranging from accident, broken equipment or repair of house, a case where you need an instant flight-ticket home, or... – and if partly or full self-insured, more than that, preferable not less than 500,000 baht (some will say millions of bath). It's of course a question what the single individual can afford – but some money is always a lot more, than none – so when planning that long time ahead, you shall include bath-deposits, in your preparations. My own experience, just for your information, was an idea of early self-retirement, when I was in the first half of my 50'ies. My initial financial budget was, looked in hindsight, way too low. At 55 I had been able to adjust my financial situation, could buy land in Thailand, and prepare for a move, which was done at 56, and completely signed out of my home-country when 57. I rented a home for some years in the beginning, whilst preparing for the "dream house" I could afford for my savings, building it from 2009 to 2010, and being at the construction site every day. Either I was lucky – or did an excellent planning... – because everything worked out quite well: move-out to here, Thai partner (still the same "old" girlfriend), house construction, money situation, etc. etc.; but admit, quite different from my initial "dreams", however much better... I wish you good luck.
  10. March 28th, 29th, and 30th: Tao International Music & Underwater Festival... Read more at "taofestical.com" > and "fb taofestival" >
  11. No, before – if you check the thread...
  12. Thanks for your reply. I brought it up only, because I was asked to in the discussion about insurance. However a moderator asked, not to post about own accidents here – the tread is about the sad accident with two teens – so I think such subjects shall belong in a separate thread, where I gladly will answer...
  13. Protesting about giving the airport land back – from earlier news-feed there is a story about the airport leased some extra land when extending the runway, but the lessor had not full rights to lease that land to the airport; however as often, case not crystal clear, so we aliens may not understand it all...