Daily Moan

[dirk diggler]

That wasn't really advice, more of Father to Son telling off haha

1. How about concentrate on not leaving behind a shitty mortgage first?

2. We have 3 profitable business. She is educated in business and also a skilled chef with oil and gas experience too.

3. Mortgage comes first, which leaves behind an asset which can be sold or kept to live in at the cost of utilities.

I am also aware of what is required for my UK state pension. It's not really an investment, but it's better than a poke in the eye.

I'm quite on top of my finances thank you very much.

From what I believe, most people with market investments have lost quite a lot of money over the last couple of years. I'd rather invest in my own ability to keep more money coming in through businesses.

[malmomike77]

That wasn't really advice, more of Father to Son telling off haha

I'm quite on top of my finances thank you very much.

From what I believe, most people with market investments have lost quite a lot of money over the last couple of years. I'd rather invest in my own ability to keep more money coming in through businesses.

Good man, i'm sorry i was being a leery coont but in my experience most expats i've know talk big and the reality is far different. I have known 4 blokes in my 30+ years in Thailand who have on the face of it looked gleaming - once they carked it the wife and kids were pretty much destitute, you could argue its the wifes fault for believing he'd got everything sorted but there you go. it ain't him that suffers once he's gone.

Anyhow,

In my time on here you don't come across as a blow through so i'll wind me yud in

[dirk diggler]

No worries Mike, at 5am on a Sunday morning I just assume everyone else is pished while I'm sitting on the night shift sober.

What I've seen to be the worst many times, then experienced myself (and still dealing with years later) is the lack of a will.

[malmomike77]

No worries Mike, at 5am on a Sunday morning I just assume everyone else is pished while I'm sitting on the night shift sober.

What I've seen to be the worst many times, then experienced myself (and still dealing with years later) is the lack of a will.

wills, yep and hate to say it but only idiots don't make them. I have two, one in the UK and one in Thailand My affairs inside Thailand have always been simple - its all hers. UK and other assets, well those are split and wont be contested, most UK assets are already distributed so there's little point offing the old bloke

[Edmond]

I bought a car off a mate who moved back home. When I went to name change it turned out his Mrs had refinanced it and he's spent the cash I paid him.

I've missed out on a few vehicle purchases due to insisting no money is paid until the vehicle and I are at the DoLT with the books and the DoLT guys give it the all clear to be transferred. If the seller can't do that the purchase is canceled.

Gotta love Thailand though, the last motorbike was fully modified, but had the OEM parts in boxes. The DoLT guy says it doesn't pass the test while modified, so you need to put on the OEM parts after transfer. Ummm, sure, I promise to do that. Okay. Stamp stamp done.

[Edmond]

a will.

Wills are quite quick and easy in Thailand. Myself and Tezza57 actually have the same lawyer.

All properties and bank accounts etc going to the sprog unless I've been done and they're going to Tezza.

[PAG]

wills, yep and hate to say it but only idiots don't make them. I have two, one in the UK and one in Thailand My affairs inside Thailand have always been simple - its all hers. UK and other assets, well those are split and wont be contested, most UK assets are already distributed so there's little point offing the old bloke

Indeed, same same. Both wills, everything goes to M'Sahib unless she pre-deceases me, in which case split between my two daughters. My financial planning advice to anybody is to become debt free as soon as possible (mortgages, loans etc). Certainly in Thailand, with nothing to pay other than small utility bills (I think the biggest bill we have is the annual insurance for the cars), living is pretty cheap. That wouldn't be the case living in the UK.

For years, I've had a check list of "What to do in the event of my demise" that details all the relevant entities with reference numbers and contact details (phone/email etc). A few months ago, a buddy of mine here passed away, and I dealt with all of the notifications etc, but it was a major issue sourcing some of the information which his Thai wife didn't have. He didn't really have any assets and only small savings, living in a rented house and still paying a car loan. He had three pensions, only one of which his wife is entitled to a widows benefit (and that the smallest one). Fortunately, she has a good job and a very supportive family, though has her own health issues, having just finished treatment for thyroid cancer and returned to work.

[MarilynMonroe]

Feeling quite sad atm, dealing with a brother who has serious issues with mental health and now addictions (alcohol and most recently cocaine). Not sure if he'll get help, as we have tried. It would be real sad to lose a younger brother to an overdose. Sometimes it is hard to help people that don't want help.

[Edmond]

^ Chins up.

Joe will be along soon with professional advice.

Keep on trying and caring!

[malmomike77]

I've had a check list of "What to do in the event of my demise"

Sound advice there PAG, i have been executor on two wills and in both instances, although the will was easily found, sorting out the financials and assets was made harder due to having to hunt down the account numbers, policy numbers, contact details etc.

I too have all these details printed out on sheets kept with the will which both executors know where it is kept.

Re the chap who passed, it amazes me and saddens me the number of blokes who don't ensure their loved ones are provided for either from their estate or whilst they were alive.

[MarilynMonroe]

^ Chins up.

Joe will be along soon with professional advice.

Keep on trying and caring!

Thanks.. not long after I wrote that I found out he just was in the hospital this evening with a cocaine overdose, but survived, and just spent an hour speaking to him on fb. He needs to get help, rehab and counselling. I fear he may not as he is a bar person and has started using cocaine six weeks ago after he drinks. I hope he has hit his rock bottom. Insane

[Storekeeper]

I have known 4 blokes in my 30+ years in Thailand who have on the face of it looked gleaming - once they carked it the wife and kids were pretty much destitute, you could argue its the wifes fault for believing he'd got everything sorted but there you go. it ain't him that suffers once he's gone.

Back when I was TEFLing for two years, 2008-2010, I’d often wonder what was going to happen to my 10 year old P5 kids when their 70 year old Paymaster General popped his clogs.

[BLD]

Fair enough. I thought 65 was a good retirement age.

as for Peterpan, I bought a bike from him, and sold it back to him a couple of years later. A gentleman, not sure if he is still around.

Met him a couple of times I'm vientiane when he was on visa runs. Nice guy. Deceased now I believe

[aging one]

Deceased now I believe

Struggling with Parkinson's. Marmite said he was getting worse a few years ago. As you said, heck of a nice guy.

[BLD]

The last time I saw him I picked him up at the friendship.bridge and took him straight to the Thai consulate he had a hotel booked nearby and he was with his 13 or 14 year old daughter, we / he got some funny looks but I think the daughter knew he needed a hand to get things done. Likewise , he reached out to me and I was happy to help him. Definitely an interesting character on his last legs

[Looper]

A half German half French lady popped in today and came well supplied...

This is THC infused honey.

I dipped my giant pinky in her tiny honeypot and the tingalicious hot gingery cinnamonny taste of the THC under my tongue, where I was advised to smear it, was quite an experience.

She also brought a bag of bud, of which I also partook for the first time in many's the long decade.

But to bring me to my moan, we got half way through the movie Elemental on the sofa before I got to 3rd base, at which point she had an orgasm and then proceeded to rush to the bathroom to sort herself out and then returned and pulled all her togs back on and watched the rest of the movie and has now retired to the spare room.

Not only did I not get mr woody-wood-pecker wet but she did not even have the common decency to offer hand relief!

What has happened to good old-fashioned guest manners these days?

[david44]

What has happened to good old-fashioned guest manners these days?

Was she a moaner leaver?

[Joe 90]

Nice one Lorathio Loops!

BTW I've sorted a last will and testament out in the last month leaving everything to my three children.

Just need to sort a reliable executor out now, that's the tricky part.

Fvcking morbid subject!

But a necessary evil if you actually give a fvvk.

[Joe 90]

^ Chins up.

Joe will be along soon with professional advice.

Keep on trying and caring!

Bellend

[Backspin]

Round bowl toilets are the most ridiculous pieces of ever living shit invented. Who buys these things ? The toilets in my new house are all like this and eventually I will replace them all. I am fine with that. It isn't a hard job to replace and good ones are under $300. But that doesn't take back from the fact that round toilets are useless garbage. The should be taken out and smashed to pieces.

[DrWilly]

#worstmoanever

[cyrille]

^^Downsizing after the job loss, then.

[Backspin]

^^Downsizing after the job loss, then.

Nope. Up sizing.

[DrWilly]

Nope. Up sizing.

Is that what you call getting obese these days?

[VocalNeal]

Round bowl toilets are the most ridiculous pieces of ever living shit invented. Who buys these things ? The toilets in my new house are all like this and eventually I will replace them all. I am fine with that. It isn't a hard job to replace and good ones are under $300. But that doesn't take back from the fact that round toilets are useless garbage. The should be taken out and smashed to pieces.

Wrong.

German toilets are the wurst.