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Thread: retirement..not for everbody

  1. #21
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Tingtong's Avatar
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    Quote Originally Posted by dave01 View Post
    Geez, I HOPE it's for me!!!

    Honestly, 40 years work is enough for me I reckon... the last couple I haven't been working much... wind down mode if you like, clearing LSL and a mountain of other leave,.you tend to accumulate A LOT over 40 years.

    I have been lucky with work.... the last 25 years has been brilliant.. I have worked on average about 6 hours a days 8 days per fortnight. Not sure how much longer those sort of working conditions will survive tho.

    So I haven't been overworked 555. I have plans to fill in my time... couple of hobbies and that sort of thing.... I am pretty sure, I won't get restless and want to work again... Even if I did, doubtful there would be anything for me.

    Bring on retirement!!
    Dave, you said "clearing you LSL" weren't you able to take it as a lump sum payment on finishing work? or did you just prefer to use it ? ...I took mine as a lump sum and the amount tucked away for a rainy day.

  2. #22
    ประเทศไทยเพื่อน Uber Dreamer ผู้เพ้อฝัน
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    Quote Originally Posted by Tingtong View Post
    Dave, you said "clearing you LSL" weren't you able to take it as a lump sum payment on finishing work? or did you just prefer to use it ? ...I took mine as a lump sum and the amount tucked away for a rainy day.
    I like to use it mate.... My super is pretty decent, and I thought taking the leave, and being pretty well semi retired a year or 2 early sounded great to me..... It has allowed me to spend lots of time in Thailand and neighbouring countries, scoping the places out for somewhere to live, when I pull the pin.

    One of the beauties with everybody's LSL, is they accumulate it a lower hourly rate, than what they are paid when they cash out or use it as leave... It's a great system!!!
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  3. #23
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน OZZYGUY's Avatar
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    Quote Originally Posted by Sydney View Post

    51 now so no choice yet anyway, happy to work hard for another 10 at least
    We are around the same age, I know if I take on this master franchise its another 10 years for me. Really don't know if I'm up for that. The last two years I have learned to relax and live my life. Hard long hours takes its toll on your life and relationships with your partner and family.

    I have also been developing a subscription based website that I have a national company interested in a exclusive deal. If they take the deal I will have extra passive income plus some consulting and management fees. This is more suitable for me as its low overheads and hours, but they are more interested in buying the site out right.

    Sydney you played a bit in me building this site, I had a idea in my head since 1998 and when you suggested Upworks for another project I was doing it all got me exited again and I decided to do it. I'm now over 2000 developing hours into it and in the trail stages. Live on the market 2nd May.
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  4. #24
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Tingtong's Avatar
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    ^ Ok nice one . I was NSW Gov as well SASS , The LSL payout I got even after paying 30% ? Tax was still good....My Dad was a Firey as well , when I joined the job he said, Mate LSL leave is Gold, try and hang on to some of it . Im glad I listened to him , only good bit if advice he gave me 55.
    Sounds like you've got a good retirement plan in place ...Enjoy.
    Last edited by Tingtong; 24th February 2016 at 14:23.

  5. #25
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    Quote Originally Posted by Tingtong View Post
    ^ Ok nice one . I was NSW Gov as well SASS , The LSL payout I got even after paying 30& ? Tax was still good....My Dad was a Firey as well , when I joined the job he said, Mate LSL leave is Gold, try and hang on to some of it . Im glad I listened to him , only good bit if advice he gave me 55.
    Sounds like you've got a good retirement plan in place ...Enjoy.
    SASS................... the best plan EVER... I guess that is why they closed it 555
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  6. #26
    Foundation Member Thai Dreamer ผู้เพ้อฝัน Sydney's Avatar
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    Quote Originally Posted by OZZYGUY View Post
    We are around the same age, I know if I take on this master franchise its another 10 years for me. Really don't know if I'm up for that. The last two years I have learned to relax and live my life. Hard long hours takes its toll on your life and relationships with your partner and family.

    I have also been developing a subscription based website that I have a national company interested in a exclusive deal. If they take the deal I will have extra passive income plus some consulting and management fees. This is more suitable for me as its low overheads and hours, but they are more interested in buying the site out right.

    Sydney you played a bit in me building this site, I had a idea in my head since 1998 and when you suggested Upworks for another project I was doing it all got me exited again and I decided to do it. I'm now over 2000 developing hours into it and in the trail stages. Live on the market 2nd May.
    Wow 2000 hours thats quite a lot, sounds like you have made a significant investment, look forward to seeing it live ..

    Subscription based Apps and Sites are the best ... i am still waiting on Australia Post to play ball for my one, it has held me up for 3 months, they are friggen useless

    Can you PM me your email so i can send my standard inspiration and advice invoice ...5555
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  7. #27
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Bacon's Avatar
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    Sounds like a fun project. I would love to get involved in something like that. Take something small and make it big. Good luck.
    Not one shred of evidence supports the notion that life is serious.


  8. #28
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    Quote Originally Posted by Changone View Post

    IMO nobody needs full retirement before they are ready to give up working because they are too busy to go to work.
    Not many people can retire early and then sustain themselves long enough to reach normal retirement age and still have enough money to live on. Just too many opportunities to spend or lose your money.

    If you are so wealthy you no longer need to earn money, then there is plenty of volunteer work around.
    Having too much idle time me on your hands always leads to problems.

    I recommend semi-retirement in the ten years or so leading up to and after 65.
    It can take years to get a good routine of semi-retirement worked out and like anything, it needs planning and
    flexibility along the way, so start when you are 50+

    The worst thing you can do is stop start different business ventures. It's an invitation to lose money.
    i would certainly not consider my self super wealthy..just reasonable comfortable.(as its turned out iv made some good finance decisions over time)..so if i choose not to work again it would not be a problem and as you get older your needs get less and less....not sure if what you mean about starting different business..should i stop or keep on going 555555....on that note i always look for good opportunities so weather im retired on not does not come into the decision...more do i have the time and is it a good deal

    i have certainly found out that im to young(im 56) to kick back completely...and its one of the biggest reasons i have not made the move to los...there is so much opportunity there and would drive me mad not being able to take advantage...yes i know many others have made a success of it...i just prefer a bit more protection 555555......

  9. #29
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Moo Uaon's Avatar
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    Quote Originally Posted by Moo Uaon View Post

    now back in Oz all skills and knowledge of the place had gone and i had to start a fresh. very distressing to find that so much of what i'd learnt had been wiped from my memory plus a hell of a lot of things had changed but not having to do the visa shuffle any more.
    back in sydney,where i lived for nearly 50 years,it was like i'd never been there before. everything was so unfamiliar and i had no idea of what was where or which direction to head to navigate the place.
    well,i've been keeping an eye out for jobs in the mining industry. not easy but you can get in.
    BHP came up with 6 positions of just what i was looking for this week.........but unfortunately you have to be indigenous to get one 555 the world has gone mad!!
    what would have happened if they advertised for white fellas only? seems white folk can't be discriminated against 555555

    on another note i seem to be getting some of my mojo/lost skills back. eg; had the little hatch's tyres begging for mercy through some tight roundabout sections and corners through the back of the casino yesterday......................no shortage of work,enjoying the local eye candy where i now live.....life is good
    FACE YOUR FEARS LIVE YOUR DREAMS

  10. #30
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    Quote Originally Posted by Moo Uaon View Post
    well,i've been keeping an eye out for jobs in the mining industry. not easy but you can get in.
    BHP came up with 6 positions of just what i was looking for this week.........but unfortunately you have to be indigenous to get one 555 the world has gone mad!!
    what would have happened if they advertised for white fellas only? seems white folk can't be discriminated against 555555

    .
    5555 are you sure you not living here in saffa lew....

  11. #31
    Uber Star Soi wanderer Uber Dreamer ผู้เพ้อฝัน Cuzzy's Avatar
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    I can't afford to retire. My income has dropped by 45%.

    I have a sizeable retirement fund but that isn't available until retirement age here which is 65. Our present Government is talking about raising that to 67.

    Raising the retirement age to 67 will bring a whole raft of difficulties for older people.

    For me, I would need something to keep me occupied. I get bored easily, when I'm bored I spend.

    Currently I work for Kongs. Owned by a Chinese chap. We supply pet shops with just about everything you would need for birds, fish, cats, dogs, reptiles.... we have warehouses in NZ, AU, UK, China. People spend a sh1tload of money on their pets. We have dog food at $150 for 5kg... and it sells.
    Experts : People who know more and more about less and less until they know everything about nothing.

  12. #32
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Moo Uaon's Avatar
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    Quote Originally Posted by meese View Post
    5555 are you sure you not living here in saffa lew....
    you'd think so....disgusting!!

    Quote Originally Posted by Cuzzy View Post
    I can't afford to retire. My income has dropped by 45%.

    I have a sizeable retirement fund but that isn't available until retirement age here which is 65. Our present Government is talking about raising that to 67.

    Raising the retirement age to 67 will bring a whole raft of difficulties for older people.

    For me, I would need something to keep me occupied. I get bored easily, when I'm bored I spend.

    Currently I work for Kongs. Owned by a Chinese chap. We supply pet shops with just about everything you would need for birds, fish, cats, dogs, reptiles.... we have warehouses in NZ, AU, UK, China. People spend a sh1tload of money on their pets. We have dog food at $150 for 5kg... and it sells.
    i regularly drive some refrigerated trucks that i thought carried our food but apparently it's pet food.....big business!
    Cuzzy likes this.
    FACE YOUR FEARS LIVE YOUR DREAMS

  13. #33
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    im in the pet food business now 5555555...been very please with the first 2 days trading 555555555

    btw lew we have just got used to affirmative action.....we the only country where the majority need to be protected from the minority 5555555555
    Last edited by meese; 3rd March 2016 at 03:40.

  14. #34
    Organic AI Quarky's Avatar
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    Quote Originally Posted by meese View Post
    im in the pet food business now 5555555...been very please with the first 2 days trading 555555555

    btw lew we have just got used to affirmative action.....we the only country where the majority need to be protected from the minority 5555555555
    I don't know... cough.... 55
    Changone likes this.
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  15. #35
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    Quote Originally Posted by Distantpeak View Post
    I don't know... cough.... 55
    55555 yes in my world Dp

  16. #36
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Moo Uaon's Avatar
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    interesting article...

    Western Expats in Thailand - Jake Needham


    he raises a very good point here...

    Even worse, many people retire to Thailand because they have gotten the impression that it’s relatively cheap to live here and some of their fixed incomes have been badly squeezed by the reality they have discovered. Perhaps it was true once that life in Thailand was cheap, but — if that was ever true — it was a long time ago. The cost of living in Thailand has risen alarmingly over the past decade or so, and these days the total cost of living at a reasonable western standard in or near Bangkok is more or less the same as the cost of living at a similar standard in a moderate-sized American city, say Dallas or Atlanta.’Third World quality,’ a friend of mine often says, ‘at First World prices.’

    it's certainly nowhere near as cheap as it use to be to live there yet still cheaper than back home but certainly 3rd world quality in many ways.
    Last edited by Moo Uaon; 4th March 2016 at 07:56.
    FACE YOUR FEARS LIVE YOUR DREAMS

  17. #37
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน meese's Avatar
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    what parts did you find very 3rd world lew..keep it short 55555555555
    the reason i ask is that here in saffa we have a foot in both..in some ways we are very first world and in others well..need i say more

  18. #38
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน Moo Uaon's Avatar
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    yeah...most of it. it's still basically feudal/3rd world attitudes,IMO.
    FACE YOUR FEARS LIVE YOUR DREAMS

  19. #39
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน MarcTwoSix's Avatar
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    Quote Originally Posted by meese View Post
    what parts did you find very 3rd world lew..keep it short 55555555555
    the reason i ask is that here in saffa we have a foot in both..in some ways we are very first world and in others well..need i say more
    How much of the "3rd world" do you interact with?

    Like say......do you stop and eat in "3rd world" restaurants?
    Just an example.....only one I could think of

  20. #40
    Uber Star Soi wanderer Thai Dreamer ผู้เพ้อฝัน MarcTwoSix's Avatar
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    Quote Originally Posted by Moo Uaon View Post
    interesting article...

    Western Expats in Thailand - Jake Needham


    he raises a very good point here...

    Even worse, many people retire to Thailand because they have gotten the impression that it’s relatively cheap to live here and some of their fixed incomes have been badly squeezed by the reality they have discovered. Perhaps it was true once that life in Thailand was cheap, but — if that was ever true — it was a long time ago. The cost of living in Thailand has risen alarmingly over the past decade or so, and these days the total cost of living at a reasonable western standard in or near Bangkok is more or less the same as the cost of living at a similar standard in a moderate-sized American city, say Dallas or Atlanta.’Third World quality,’ a friend of mine often says, ‘at First World prices.’

    it's certainly nowhere near as cheap as it use to be to live there yet still cheaper than back home but certainly 3rd world quality in many ways.
    I've been saying that about Thailand for years
    I think you can still live relatively cheap.....Dean and Nelson's places that they rent come to mind and eating locally is still relatively cheap.

    But I've said if I wanted to live my comparable lifestyle in terms of social life, accommodation, cars(don't have one but if I did!) Thailand would be as expensive or even more expensive.

    Now for Thais
    I mentioned this on AI
    Ao has been in Thailand for almost 4 months and between her, her mom and my stepson, 30k/mo is not enough for a middle class Thai family of 3
    I'd say 40k provides some wiggle room but to live a middle class Thai life with teenage expenses.....50k is needed and that allows for social life
    And this is talking local Thai Bangkok

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