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About NancyL

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    2015 Thai Visa POTY Survivor
  • Birthday 01/20/1954

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    Chiang Mai

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  1. Thai wives aren't the only ones reluctant to discuss this subject. I've assisted expat wives whose husbands were close to death and advised them to get into the local bank, open up an account solely in their name pronto and clean out the joint account NOW while the old boy is still alive. Had their husbands begging them to do this and they still won't thinking it's "inviting death".
  2. Forget about the advice to simply give your Thai wife the ATM card and PIN and tell her to clean out all bank accounts, including joint bank accounts upon your death. This is illegal and could get her in trouble. There is no "right of survivorship" for joint bank accounts in Thailand. All of your Thai bank accounts, including joint ones will be frozen upon your death until a properly probated will is presented to the bank. In a few rare cases where the bank accounts were the only assets of the deceased and the wishes of the deceased were well known to the local bank officers, the bank has released funds to the beneficiary without the Final Will being probated, but there definitely was a Final Will. Even then, documents had to go to the bank's home office in Bangkok for approval. In Thailand, in the absence of a Will, children inherit at the same level as a spouse, so a court would need to determine if you have any children entitled to their share of your bank accounts. This includes your adult children in your home country.
  3. You're getting some good advice here -- to have a Thai Will for your Thai assets and a U.K. Will for your U.K. assets, perhaps with one of your siblings as the executor and your wife as the beneficiary (don't forget to name the executor as an beneficiary for a nice little gift over and above their out-of-pocket costs) This is all very straight forward. Be sure your Thai wife has whatever tax I.D. numbers she'll need to claim U.K. assets. I've been involved in settling US and Australian estates, but not U.K. estates, but I know in both cases, the Thai widows needed to have U.S. or Australian tax I.D. numbers and it would have been nice if their husbands had gotten that set up for them prior to their passing.
  4. This is really unfair. The U.S. Embassy/Chiang Mai Consulate do a very good job of helping those in need. As I said, if you have a special need, simply email them and they'll accomodate. Believe me, I have contact with the Embassies/Consulates of other countries in my role with Lanna Care Net and by far, the U.S. is one of the best at citizen services.
  5. Hi New Guy, you may wish to read this excellent post that Sheryl wrote explaining how the Thai health care system works for Thai people: Your Thai family may be asking you to pay for their loved one to go to a private heart hospital because they don't want to deal with the delays and hassles of taking their sick loved one to first their local hospital where s/he is registered, then getting a referral to a higher level hospital and then finally getting a referral to an appropriate hospital for whatever surgery is needed. And, frankly there may be an aspect of "rationing" here like there is in many countries. Perhaps the loved one would benefit from heart bypass surgery, but is elderly so rather than the gov't paying for this surgery, they decide to merely treat the symptoms with medications instead of doing the surgery that would make the patient feel like a new person. Perhaps Sheryl could comment if this is the case here -- if treatment is "rationed" under the 30 baht scheme for the elderly and infirm. Certainly as someone who deals with gov't hospitals in Chiang Mai on a weekly basis, I know that even the simplest of out-patient appointments usually involves a 1/2 day wait, more often most of the day. But, a charge of a few hundred baht or less, plus a gift bag full of meds compensates, I suppose.
  6. As Sheryl suggested, ask to talk with the Finance officer, explain the situation, sign a payment contract and get yourself transferred to the gov't hospital. Happens all the time. Be sure the private hospital sends complete records of all the testing they've done. Here in Chiang Mai, Bangkok Hospital regularly turfs out patients to Nakorn Ping hospital and CM Ram does the same to Suan Dok hospital. This is after they've drained the patient's bank account and run up their credit cards to the their credit limit. They even use their ambulances for transport. Just be sure to get your medical records if you've given them any money. I must say that here in Chiang Mai, Bangkok Hospital is very good at sending medical reports along with the patient, CM Ram isn't.
  7. If you're going to eat rice, it might as well be brown rice. Personally, I need some whole grains to stay regular and satisfy carb cravings. For me, a salad with some lentils or chickpeas makes for a very satisfying salad where I'm not hungry for hours.
  8. This isn't a balanced diet, if you eat this every day. Too much meat, not enough fruits and veggies. Not enough whole grains, unless the rice is brown rice. Ditch the "cereal bar" -- they usually are high in calories for the nutrition you get. Snack instead on fresh fruit or veggies. Maybe some hummus on whole wheat crackers if you feel the need for carbs.
  9. I don't know if I buy this. I would think it a cause of concern of the Heineken QC dept. They do have a brand rep to protect. I do know that when I worked for a time at Kimberly Clark in Wisconsin, they'd bring in toilet paper, etc from all over the world and see if it met their standards. Much of the overseas stuff was produced by licencees so was of special concern. While I didn't work in the QA dept, I was part of the group called in to "evaluate" product that was produced overseas overseas under Kimberly Clark license. I can tell you there was a time or two I came out of the stall and asked the staff if they'd actually looked at the stuff.
  10. If you need for your wife/girlfriend to be present to physically assist you (perhaps you're in a wheelchair), then you can email the Embassy and explain your situation. They're very understanding about things like this. However, if you want your wife/girlfriend to come along just to accompany you as you obtain your annual Income Letter for Thai Immigration, then no, she'll have to wait outside. Now, if you need to have a document notarized and her signature is also needed on the document, then again simply email the Embassy and explain and she'll be permitted entry. But, your OP said the purpose of the visit was for your "retirement papers", implying your annual Thai immigration requirement.
  11. Yes, I think the fact that my 800,000 baht is untouched from year-to-year is what causes Immigration to ask what I use to support myself. It's probably more common for people to use that money each year.
  12. It's been my experience that Immigration just wants to hear a believable story. I have an 800,000 baht account here in Thailand that I haven't touched for years, except to update annually to reflect accrued interest ahead of getting my verification bank letter for Immigration for the annual retirement extension. A couple times, Immigration has noted the lack of account activity and asked how it is that I have funds to live? Do I work? No, I say that my husbands pensions are adequate to support us both, would he like to see, and pull out our joint Bangkok Bank account bank book with an open page, which I'm careful to keep updated. It shows a very active stream of money coming in internationally each month and going out almost as fast as it comes in. No, no they don't want to look at that level of detail. Sometimes I'm asked what I do with my time in Thailand. I reply with activities that I think they expect retired ladies to do -- meet with friends for lunch, go shopping, go to the spa and nail salon, travel around Thailand with my husband. Take Thai language lessons. It helped that I replied to this question in my flawless (yeah, right!) Thai. The first couple years here, Hubby and I lived off our savings, because he was too young to draw a pension. That's basically what the OP is doing, only he's turned over all his savings to his Thai wife. Immigration will love that.
  13. Much ado about nothing. They'll send a second notice if they don't receive your letter.
  14. Reports of my exit are a little premature. We discovered that it takes about 12 weeks to get an FBI criminal check (still haven't received it yet, incidentally). At this time we're planning to go to Kota Kinabalu in late August to submit the documents to apply for the Malaysia My Second Home 10 year retirement visa and see what kind of reception we get a Sabah state Immigration. I wonder if they check with CM Immigration? After that, there are additional steps involved in opening bank account, transferring in money, etc, etc. It's a more involved process that getting a Thai retirement visa, but once you have it, you're done with interacting with Malaysia Immigration. Plus you can own a home AND land in your name, plus buy a car tax and duty free during the first year, plus some other goodies. So, you're stuck with me for a while longer.
  15. This is the appeal of a beer tower. The beer is around a central ice core, but doesn't get diluted. Another good idea -- when we visited Siem Reip, I asked for ice for my beer and after a moment of puzzlement, the waitress brought an ice bucket and put the bottle of Angkor on ice like it was a bottle of champagne. The French taught them something, I suppose.