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About JB300

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    Pattaya Warrior

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  1. When I bought my house I built up a 6 figure £'s sum in an offset mortgage which earned me no interest but saved me approx 8% in interest payments, you would have had to achieved (as a 40% Tax Payer) approx 13% yield pre-tax to achieve the same. At today's rates of (say 4%) you'd need to achieve approx 6.5%, achievable but with higher risks). Nowadays I believe it makes sense to keep at least 6 months cash in the Bank in case you lose your job or some unexpected expense comes up (severe case of the Post Pattaya Blues perhaps). Also for people who are nearing retirement, & planning on moving OS, it might be worth building up a couple of years spends in the local currency to help edge against any nasty surprises nearing the time you retire (Having said that I think the Thai Baht is overvalued at the moment, but I have been stocking up on Philippine Peso as I plan on spending 3 months of the year there).
  2. In the UK you're looking at 1-2% interest (before tax so can take of 40% of that if you have other income that pushes you into the Higher Rate Tax Bracket) so effectively are losing money with Inflation. OP is reasonably young & can afford to take some risks so I'd recommend he drip feeds the 1500 Euros each month into a reasonable balance of Blue Chip stocks (Ideally ones where you can re-invest the Dividends by way of Scrip) Trackers & Funds & ensures the interest/dividend bearing ones are in an ISA (should be maxing out the allowance every year).... Cycle round the Asset Classes each month to minimize dealing costs.
  4. Done it lots of times with my Filipina & it shouldn't be a problem, assuming she's never had a problem with SG immigration. By far the best Thai food I've had is at the Arok Dee on Middle Road (Opposite Sunshine Plaza where I used to Live) but if she gets homesick for Thai food (or is just missing Thailand in general) take her to the Golden Mile shopping center on Beach Road... we call it Little Thailand [emoji4]
  5. As things stand today there doesn't seem to be much benefit in it over the current Non O "Retirement" save only having to renew the visa once in 10 years, but how long will the current option remain the same? My money would be on them changing the current one to be more like this (especially the criminal checks & health insurance) but "Grandfather" people who already are on it.
  6. Same here though it seems it doesn't support Kodi 17 so might have to upgrade it to the latest box. OP what version of Android is the box running & assuming price isn't a factor, what box would you recommend?
  7. I've never done it in Pattaya but less than 3 hours ago, did it in Davao (Philippines) for 5 nights from Tuesday to Sunday & got no discount but their published walk in rate was 20% cheaper than any of the hotel booking sites that I'm a member off (most of them). Unless I'm 100% sure of my plans for the trip, I book the first 2-3 nights in 1 place then decide the rest when I'm there. At the end of the day, you can always fire up your mobile & book the hotel at a cheaper rate whilst sat in their lobby using their free wifi.
  8. Wow, has it shot up in the past couple of years? Last time I checked it was 6-7 ( gov rate less than 5) for Electric & 18-20 for water.