YOU NEED SOCIAL INSURANCE RETIRED IN THAILAND
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- čas přidán 17. 04. 2024
- My thoughts on providing long-term value and “going with” various aspects of Thai culture as an overseas retired person.
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#divorce #marriage #dating #korat #retire #thailand #isan #pattaya #love #pension #culture #speakthai #usa #farang #australia #uk #costofliving
How can I retire in Thailand?, What is the visa process like?, What does it cost to retire in Thailand?, Where are the best places in Thailand?, What Healthcare does Thailand have?, How do I open a bank account in Thailand?, Is it possible to work in Thailand?, What is the process of getting a retirement visa?, How safe is Thailand?, Do Thai women really like older foreign men? Nowhere else can you find this information.
Just found you and really enjoy your insight, especially the “could you walk away?”part.. also love the little by little part, don’t put a huge amount down, go little by little.. in Sakon Nakhon area and I too have a school teacher.. retired airline pilot here so I think I’m smart but there are sharks in these waters!!!
I understand the walking away concept as I had done it twice and it didnt effect me emotionally or financially.
We develop a thick skin to a certain extent but it's not really good as it causes insecurity .
Like always looking out for bad signs,red flags, being irritated by small issues leading to arguments .
That's not a nice way to enjoy your retirement. Now it's not much I ask for or demand.
I take care of things but the trade off is my peace,serenity and no stress .
Make them understand that and then we can both get what we desire .
They want us to understand their needs and it needs to be done the other way too .
Ground rules!
The withdrawing of "stipend" is a harsh tool which can have ramifications like bitterness .
It means you're very frustrated .
Sometimes it feels like a father and child relationship rather than spouses. Like grounding a naughty child.
Many Thai women, and men for that matter, hadn't fully grown up .
I don't want to be a parent to a spouse. However because of the age gap and the experience gap it makes you a quasi parent .
Thai and farang relationships are complex .
I want to add this to my comment..
I have 30 years of life experiences by a huge margin compared to my wife. Our educational qualifications aren't equal either although she is educated in Thailand but the levels in Thailand are below some Western standards.
As a result of this in many areas I have to take a leading role. Back in Australia, when we lived there she accepted that , not that she liked it. Now in Thailand she feels more comfortable as she operates at native speaker level and I don't.
Furthermore the roles are reversed here as well, in terms of dependency precisely because of the age gap as you can become like that due to mature age .
Certainly she regained some leverage being in Thailand .
The financial leverage is still the same.
I'm mentioning this as the demographics of a relationship. Not particularly because I like to use it .
I prefer to use mutual love and care as dynamics and I think she mostly cooperates .
To me this was an imperative.
I had to find common ground.
@@consulthaimay I ask a favor? I am 70 in good health however 70. My Lady dad had heart surgery and it was 9 million baht. I was just going no insurance route and pay as I go. Setting aside 10 million baht cash in case health goes wonky was one thought.
Very interested in your comments on health insurance. Thank you 🙏
@smileoften-ft3hq wow that’s a really expensive surgery. That’s hard to plan against. The biggest policies I’ve heard guys brag about 4-5 million total coverage limit in any year- or thereabouts. So statistically you’d have had to pay about half anyways. So I guess there might be not much you can do. For us Americans- assuming we’re in physic shape/have time to go home- we can get free medical upon retirement ( most cases). That’s our emergency backup. But dang, if you have a sudden heart attack or something I guess you’re just lucky to be alive? All policies I’ve looked at personally or heard bar talk about (always dangerous) seem limited in a way that likely wouldn’t have haloed you beyond what I just described. So not much help….(me or the policies).
@@smileoften-ft3hq I'm much older than you so I have to be self insured as no insurance company will insure me or if they do the premiums are crazy high and I don't think they would even pay a claim.
If I was your age I might insure ,my guess is at 70 you're premiums maybe close to 100k.
Depending on deductibles .
I would unlikely pay 9 million baht for heart surgery for my father in law , I would expect him to have that surgery in a government hospital . I don't know your financials but 9 million baht is a big hit unless you're rich . I had a friend who had a heart attack ,had to have a stent put in an artery,keyhole surgery to replace a valve, total cost in a private hospital was 1.8 million baht.
9 million baht seems hugely excessive.
@@consulthai Thank you for info. Preliminary look at travel insurance is 69 years old can be cutoff date for most travel insurance to accept you long term. . Not much to report at this point.
Yes, the Thai dad had major heart sirgery, final bill of 8,900,000. As a good daughter she has been paying the 500 baht a month since he retired from factory to maintain health insurance he has. The hospital bill she had to pay was 40,000 baht and she paid that and told me afterwards. Just a real number amount that got me thinking of insurnace for major medical perhaps with high deductable?
I am not letting fear become the driver, and dying never worried me. Got my children set up :) so here on in it is really just sprinkles on a good cupcake of life I was blessed with.
In the end it may be better to insure through Canada as Canada starts noticeable increases at 75.
I would say I am comfortable and not rich. It is rather anonymous on here so can say thought is start with 10 million baht, have some pension, probably rent. just to plunk in some numbers it seems like 15,000 baht covers sensible rent with utilities with another 10,000 baht for food and rented 160 click .... and on it goes to what often appraoches 75,000 baht for a couple and some family support, travel etc. and may well discover the cost may be lower?
Peace be with you.
Some of the points you make could be simplified by removing them from the "Thai" perspective and asking yourself what you would do if you were in Michigan. If you had been dating a young woman in the US for a year, and she asked you for $30,000 for a house/car/boat/boob job, would you give it to her? And would it matter if she were a bar girl, stripper, lawyer, or med student? (At the end of the day, any one of those women could dump your ass.) Similarly, if you were planning on a long-term relationship with a young American woman, it would not be unreasonable for her to expect you to spend money out of your monthly budget to provide or improve your shared-housing situation, particularly if your income was 5 to 10 times greater than hers. Finally, if a young woman is dating an older man, it is for financial security. So you always have to strike a balance between providing the financial security she needs, and protecting your retirement assets. As you point out, the easiest way to strike that balance is to ask yourself: If I give her this, will I be okay financially if I have to walk away? It is the nature of dating that you have to make emotional and/or financial investments in a relationship that could fail. Brad Pitt has been there a couple times. So no matter who you are, you always have to prepared to suck it up and move on.
Thats my mantra, I don't give or invest in anything I can't walk away from with no regrets. I am generous but I can afford it and my financial bottom line never changes, just spending my pensions and never touching my investments. I still have money after every month.
I walked away from a building 4000 sq foot house in thailand that was 80% complete. Long story short, I dodged a bullet that saved my life. Foreigners have no idea the treachery that can be committed against you in a country where you have 0 protection from the law. If I had to do it again, I would have rented.
Yup. I totally get you. You’re lucky and you have a fantastic attitude to see it that way
Luckily I have experience in the Caribbean and I would do everything short term it's a shame life has a $$$ value in every different country 🫡
Actually you would have had plenty of protection if you had an usufruct and a right of superfices. The Thai courts work equally for Thai and foreigners. You would have to get them registered on the deed, or chanote, at the land office. These can be registered for 30 years
@@oldthaiexpat cool info thx !
The level of corruption at the absolute highest levels is real.
Only a fool would build a house in the land of smiles.
21 yrs, los.
Update here .I have done everything for my Fon. Built her house, car, bike , take care of monthly expenses.
Now I will send her to massage and English school.
I leaning towards marriage bringing her to US.
I have the approval of the family and that is very important. Since we started I visit every 3 to 4 months.
We talk about everything . No arguments and no fighting .
Less than 9 years until retirement. I got a promotion at work. I will be relocating from East coast to west coast.
Everything is the same from day one until now.
You just have to be careful and understand if you had nothing your whole life and now you have access to everything what makes you happy.
You stating " We talk about everything . No arguments and no fighting " reflects your compatibilty for each other for a good life. Happy for you. My relationship the same.
@@smileoften-ft3hq The only disagreements are mine only. She sees throws me and just ignores me. I got upset because I was leaving grabbed her phone acting like a child . She just stayed quite. We texted after for hours. I have no reason to trust and believe in her and boy is that scary. We still talk when we both upset.
@@JamesCarmen-gbmy friend married a vietnamese and similar story. 15 years later, two children, marriage that will last till death, although not a marriage I would want as romance and sharing life not close, however in later life my sense is they will be happy.
I suggest really have to look at your own nature and character as everyone will vary what they want for life and partner.
You have some good parts going, hanging in there I would try correcting parts you don't like as sounds like majority is good.
Take care
Totally agree with your social insurance post here. I plan to do this for my wife and I if we move there.
Robb..."not giving your presumptive Thai wife (equivalent) the money that she needs for her monthly budget because she said/did something that you're not 100% happy with"????? ( but then giving her parents the money they need...to show/prove your displeasure with Fawn ) Isn't that a little "controlling"? Do you sometimes do things / say things that she she doesn't 100% like / doesn't 100% agree with? How does she "punish you"?
I hear you. You’re not wrong. Fawn did agree with me, as I only held it up a few days while her dad laughed at her- playfully. But it could be controlling.
I agree with you, it's a two-edged sword.
You can't do that as a slap down when you have arguments nothing to do with money .
You’re a born storyteller mate. A great unfiltered stream of consciousness
They don’t all want a Toyota recently purchased a car my Mrs chose a swift 2024 because everything was pang 😂
If you want people to take your videos seriously, get rid of the pic of you flipping off the camera. It's immature.
If you don’t like this man video don’t watch it my GUY. This man is living his life outside of Babylon, let him be light hearted 😊
Sook !
@@paulholsey2754 I never said I didn't like his video. I just gave him some feedback. Either he accepts it or not.
Rob, we have a lot in common, we are both Americans, both living in Isan with our Thai women. I mentioned the hypothetical scenario of me leaving her, expressing that it would not give make me heart broken but would it would certainly inconvenience me. But, as an assurance to her, I would give her a considerable amount of gold baht if she continued to take care of me until my death, but if I left her she would obviously get none of it.
Let me tell you in unequivocal terms that merely stating that no deep emotions were held and that a price could be paid in gold baht to secure her loyalty was beyond insulting to her and that the relationship would be over immediately. Putting this on CZcams for everyone to see would be, to put it gently, rage inducing.
Just wanted to let you know you are already in a pay to play relationship. As you say, nothing wrong with that, just in case you were not aware. Good luck.
I agree with you.if you're with a good woman this would be demeaning for her .
If you think it's ok to be in a pay for play relationship you're not going to have a carer till your death .
If you're in a regular loving relationship you will .
I had known guys in both scenarios so I'm reporting actual cases .
And that kind of responses you depicted were created by guys who thought of monies as blackmail .
Or leverage/ control .
You can put that in CZcams and many guys who like transactions do .
I don't like transactions in the matter of relationships and romance ,
I like transactions in business
You only have a transactional relationship if all that binds you is gold. I will say in a relationship you are both there to contribute to the union. The reason why there's so much divorce in the US is due to one side contributing everything and the other side contributing nothing due to their entitlement mentality.
@@fruitloops3718 Two things. First off the transaction is one person has the money and the other is offering something else. Its not two people giving each other gold, the transaction is X for money and that is exactly what Rob described here. It would be an inconvenience but not a heart ache to find another transactional arrangement. Now if his girl is sincere and truly cares about him then this dude is exploiting her for his rehabilitation. All those videos on scammers and guess what, its him. He is the scammer.
Enjoyed your explanation of “Social Insurance” and I agree however, if I can make a side note for the gentleman who do not know Thai woman. In the U.S. many of us were raised to think that when you start dating and getting involved with someone special you would give that female,if it was serious, some jewelry. We would give that jewelry with the intent of saying “ You are special “.By doing this we think they should attach sentimental value to that piece of Jewelry. This is not true with “Thai Gold” jewelry. If the gift of jewelry is meant to be a keep-sake do not buy Thai Gold jewelry. You can buy them any other kind of jewelry, pearls, diamonds, Turquoise,
White gold whatever you want but if you want her to keep it as a memory of your relationship don’t buy them Thai gold. Most women see Thai gold as a secondary currency in Thailand as well as Thai women who live in the states. They will trade pieces back and forth or cash it in as an emergency fund. I know Thai women who use this as a funeral policy so that they can extend the number of days of their funeral for status. All I am saying if you want to give them money as an investment (that they can also wear) fine just understand That Thai gold jewelry doesn’t have sentimental value to a Thai woman.
Ageee. Seems to be an investment / retirement account to most for what they tell me. Still very important to them.
Thumbs up 👍 Robb
Just tuned in. Not sure if I heard correctly but you only been together 2y. If that’s the case you learn quickly. Hats off.
there can be a slippery slope... initially the ask is inconsequential and infrequent... as time goes on more of life happens, relatives get sick etc... by then you're emotionally committed or may be...
FYI the ad sense money goes to the artist
Toyota Fortuner lol, I always rent one when my wife and I go back to Thailand each year. Didn’t realise it had status 😮 I just like it because it fits my nephews, niece and wife’s mum and aunty in it with luggage 😂 so we can take them to see the sights in their own country. And 3 of our 4 cars here in Australia are Toyotas.
Always great info & insights. I have seen and experienced the benefits of helping my Thai friends "save face." Thanks for sharing that tidbit with us. All the best with the house. Keep up the good work 👍🏽
Great show Robb. Raining here in Bad Axe. Take care and as alway's stay cool 😎 kind and generous.
Thx. Send me an email when you’re in town.
Your video's are very helpful. I am dating someone from Phetchaburi. We've known each other for about 3 years. I have plans to move in with her in 3 months in rural Thailand. Thanks for the valuable content.
Glad to hear it’s helping you. Best of luck. Lots of really nice ladies out there.
So pleased for you Rob, you deserve happiness and this is the best Thailand channel 👌👍
Every man should know he has to be some type of financial benefit to anyone other than his kids when he becomes old in order for people to be willing to look after him. I’m 54 years old and this is what I live by. Rather I’m in Tanzania or America, I have to have some type of value
The isuzu mux looks like a better vehicle compared to the fortuna imo
...yawn...
Gold prices have gone up so much here, I've seen a few places selling thick plated thai gold jewelry.
If you want interest in land in Thailand you need an usufruct, or สิทธิเก็บกิน, and a right of habitation, or สิทธิในการอยู่อาศัย. With these 2 rights, which are real property rights in Thailand, that can be registered at the land office for 30 years, you are secure and don't have to leave a house or property. They have to be registered at the land office and are entered onto the chanote with your name. Unless you break the law with the property, ie using it for drugs or stolen cars or something, you are basically in control of the property and house for 30 years. But it should be both an usufruct and right of habitation.
Spot on. Good advice.
I believe the MuX from Isuzu is better than a Fortuner. The transmission shifts better has a better suspension, and is more fuel efficient. Also has all the same options. For gold, you don't have to buy jewelry. You can buy small gold bars or ทองคำแท่ง. It is sold in all the popular weights, from 1 salung up to 10 baht weight. Most larger gold shops will have it.
More fun to have gold you can wear. Pretty safe to do so in thailand
You looking good brother. I want to come there for those facial treatments you are receiving. Give information on those, salon treatments for men
Check out my “Looking your best” play list
Beg to differ - the world has always been like that. "There's a sucker born every minute" is a phrase closely associated with P. T. Barnum, an American showman of the mid-19th century. I think you were born post 19th C.
You mentioned before potentially in I don't the Nissan area 10k baht potential for monthly allowance to a woman 80. But what is the amount that is okay for the mom to be father?
For a Thai woman’s parents, I recommend what I did, which is find out what the other children are paying, and put in an average amount of that
What exactly is social insurance?
Is it necessary in the US?
Frankly, I could give 2 cramps about what people think of me.
I have money and drive a 2014 buick with 114k!
Is it really that much cooler where your at compared to bangkok? Its been 100 degree weather. Im sweating just looking at you in that long sleeve lol
On average it seems to be 5C cooler but with much less humidity.
Robb 2 yrs been following you on your journey.Only once did I not agree with you.Just love your honesty it's real.I will be here to the end ( all things have an end) Then I will get wife to drive me 4 hours south to Korat an treat you an your lady to dinner at restaurant of your choice as a thank you .I hope you understand.Ps just flew back from England after 2 months seeing family to 38 c night time temperature.Roll on June 😊
Great episode. Don't feel odd, i haven't seen a Thailand based CZcamsr follow their own advice yet 555 how/ where did you find a gold smith. I haven't had any luck at the normal ships.
There is a rather famous Goldsmith in the city of Korat. He’s near the mall the big mall.
Her fussing at you in the end was awesome
Your next gold baht investment should be gold frames for your eyeglasses - practical and a big hit with the ladies... 555. :)
Your US wife was probably wearing 50k engagement / wedding rings Rob - life 😉
Hey Robb always like your vids cause they go in a bunch of directions !!
If your wondering bout dating here in 🇨🇦? If u act nonchalantly and bow out they lash out like 100 cobras 😂😂😂
20 yrs ago everyone just went their own way !!!😂😂🤟🤟🤟🤟
I wonder why so many Thai women, regardless of wealth and looks, are single with children ?
I am really perplexed by this.
As nice as Thai people are, I feel that a lot of them have a certain ruthlessness to them.
I have spent so much time in Thailand and I still don’t understand them.
A Japanese man once told me that a common behavior in Japan is that the Japanese staff in shops are super nice to customers but in personal life they are not nice. I bring Japan up because I find the Thai and Japanese mentality to be somewhat similar.
I see the same Similarities. As to your extremely interesting comment about ruthlessness, let me give you a short example, something I’m gonna put in some content when I can figure out how.
I was talking with a very nice bangkok educated Thai, and we were discussing the border of their property. They were doing some work on their perimeter wall, and I had a short conversation with them. They were saying how they could not put any dirt against the outside edge of their wall, because that would be “helping the other person” and Thais don’t do that. I Was absolutely astounded by that comment and the sincerity behind it
@@resetwithrobb That is one Thai or maybe that community perhaps with a hidden agenda messing with you about what Thai do and dont do?
In the small vilage I know it seems like everyone is a cousin, the neighbour moved and raised his house and ran proper drainage pipe solution along base of wall before backfilling dirt keeping everyone updated in case anyone wanted to change anything. Was no big deal.
user-oi3mz8gs2c ...
The majority faithful thai husband wife marriages are common and strong.
Typical of the lesser amount of what I have seen is the husband just leaves when a baby comes along, maybe he has addictions and the wife boots him out, maybe other factors, and some thai husbands die young. This cand tend soem Thai to prefer a foreign man as she had bad thai husband experience.
I was 12 years Japanand and now learning Thailand. As a general sweep of the brush, Japan is far less accepting of any foreigner and the woman can be very selective in anything. I cannot picture me avery married to a Japanese.
My experiences I admit have been very different than Rob, and as I have mentioned maybe because of my Buddhist and Asian ways although I am very white. A commonality I have seen is Thailand is more respect based that you have much more lee-way to live your style respectfully. It goes without saying, everyone is an individual to learn as that indivudual. So I read, and never fully subscribe to "this is how it is in Thailand" as it is case by case modified to suit both people.
@@resetwithrobbIt seems to me that a lot of Thais live very solitary/ lonely lives. To me it’s kind of sad but I guess it’s ok for them because they live in that society. For me, It is almost impossible to make Thai friends. After all these years, I have one fruit vendor that I consider a friend. I have found people in Bangkok and Chiang Mai to be the friendliest in all of Thailand. Pattaya is the worst and there is a reason for it, over tourism. Kind of similar in Kyoto. The locals are overwhelmed by the over tourism there and I get the sense that they resent the tourists, although a large portion of money is generated by tourism.
I used to like Jomtien but now it’s getting crowded and noisy. I think the Thai government is even thinking of making Jomtien a casino area ! Guess it’s good for generating revenue but will turn into another Phuket I.e. “ ruined”. Never going back to Jomtien and Pattaya again.
To me, Thailand tourism is a victim of its success.
For someone who says he’s comfortable, I’m trying to say this respectfully, it seems to me you’re appearing comfortably uncomfortable.
5555. No worries.
Thank you for sharing your information on Thai Gold Baht. Gold is very important to Thai. You are a smart man, and look to be of high value to Thai women. (You are a handsome man). How do you keep the prettier women from influencing you? I imagine you are hit on all the time?
I have some content kind of about that coming up. Not about me being so popular or anything, but more about how to handle flirts and such. Honestly, most of those- I think in this new video I have it at 70%- are disingenuous.
Don't wear expensive jewelry in SE Asia. That's my advice, perhaps check around for various opinions, I think this is mostly common sense.
@@resetwithrobb Thank you. The topic is something I have to deal with.
@LTassd there is a world of difference in safety in the various countries here in se asia. Assuming you avoid getting drunk with your gold on or not locking it up when your temporary companion are over your probably not going to get it stolen in thailand.
@@Aaron-ep9ne Theft is a minor side issue, its not the reason I made the comment.
You’re far too gracious about your ex of 29 years. You have kids together. I support your conclusion. However the fact that you do have kids together, and they haven’t spoken to you means they are vile. Supporting their 3O4 is one thing. But they should be better towards you for your kids. But this is basically why I married my Thai wife.
Like you I support her parents, well just her dad since her mom passed away two years ago. Plus I’m the bank of last resort if another immediate family member has an emergency (they are very few these days).
I agree with you about belonging or not in Thailand. I see a nuance though. I think like you that the guys that think they belong are nuts. It’s the way they see it. For example I feel like I belong. But I don’t have a sense of cultural ownership. I realize I’m separate. I also don’t take liberties and am respectful. I think there’s a class of guys, usually lower class and uneducated in their own countries that take it too far in LOS. I avoid them like the plague. If I’m in a pub and they get friendly with me I just politely finish whatever I have and leave. Guilt by association is real in Thailand. I also for decades have managed my wife’s friends group closely. As frankly do most husbands here. If you go over the hill to Santa Cruz the Thai scene is vastly different than the South Bay. I don’t let her associate with them. My wife had no problem with this.
So you’re building a Trump wall that’s kool smart man! 👍
Basically yes- 555. I remember one advantage of making it kind of tall and pointy was that I won’t need to bar the windows. So the cost was about the same either way and this is better. Kinda funny.