Mubvunzo wemuverengi: Mubvunzo nezvekugara paPhuket
Vadiwa vaverengi,
Ndine mubvunzo nezve kugara paPhuket/Thailand. Ndine mudzimai wechiThai uye ndave ndichigara naye muNetherlands kwemakore 22 uye takarooranawo. Vana vedu (vana vake) vehukama hwekare vanogara muThailand. Isu zvino tinoda chaizvo kutamira kuThailand / Phuket. Tine makore 54 uye 55 ekuberekwa.
Zvino mubvunzo ndewekuti, tinogona here kubhuroka nguva neinosvika zviuru zana zvemaeuro mukuchengetedza kudzamara tawana accrued yedu AOW + Pension kana tasvitsa makore makumi matanhatu nemanomwe? Isu tatova neimba muThailand uye yakabhadharwa zvachose. Uye tine mari shoma ikoko nekuti tinoroja 100.000 rooms dzatakavaka ikoko kare.
Mari inokwana 9000 baht + 5000 baht yekurojesa imba yevabereki vavo kwavaigara kare...(vana vake). Tinoda kuisa parutivi ingangoita 1.300.000 baht uye tine gumi 10.000 baht inoendeswa kuakaundi yemazuva ese yazvino mwedzi wega wega. Izvi zvinoreva kuti isu vaviri taizove nemadhora makumi maviri nemana ekushandisa. Isu tinorarama sezvakangoita uye hatisi mhuka dzepati. Hatidi mota kana mudhudhudhu nekuti vana vatove nazvo.
Vanhu vashanu vanogovana zvese zvinodiwa sechikafu / magetsi / mvura / internet uye zvimwe zvese zvakajairwa zvekugara mari. Muchidimbu, hatisi kukumbira. Chinhu chimwe chete chandinofunga kuti chakakosha inshuwarisi yehutano hwakanaka uye mubvunzo ndewokuti, inowanikwa uye chii chichabhadhara vanhu 5?
Vana vese vane mabasa saka hatifanirwe kuvatsigira. Asi vanoda kuti amai vadzoke kumba, uye neniwo ndinozvifarira. Isu tinoenda kuzororo ikoko gore rega rega uye ndinorifarira chaizvo. Asi kutora danho guru iroro kunondimutsa mibvunzo mishoma uye ushingi.
Ndinoda kuti dai mumwe munhu akandipa mhinduro yakatendeseka uye ruzivo rwakanaka pamusoro peizvi.Ndinozivawo kuti tinofanira kuva ne800.000 baht mubhangi kuti tigare pano, asi haisi dambudziko.
Kwaziso uye nekutenda kune chero mhinduro dzaungave uine.
Geert
Wadiwa Geert, watonyora pasi zvishoma uye wakafunga nezvezvinhu zvinodikanwa. Iwe uchiri mudiki kuti urege kushanda uye ubve muNetherlands. Sevakaroorana iwe unogona kuwana vhiza yako muThailand ne400.00 yekugeza, mushure mekugadzirisa zvimwe zvinhu. Iko kuverenga kuri nyore kuona kuti mari yaunowana kana mari yako ichavei mumakore gumi anotevera. Chinhu chisina chokwadi ndechekuti zera re67 nekuti hurumende iyi iri kutarisira kusimudza zera iri nekuti maDutch ese ari kukura zvakanyanya, handiti?
Hapana here mukana wekushandisa penjeni yako pamberi pezera re67 ??? Se (aimbova) mushandi wehurumende, ndaigona kutoshandisa izvi pazera re60. Ndinofungidzira kuti wanyatsoongorora kana kugara pamwe chete nekugovana pamwe chete kunogona kuitika pasina matambudziko makuru. Kutsamwiswa kunomuka kune vazhinji uye chirongwa B chingave sarudzo, nekuti ini ndinokurudzira kuva nezvirongwa zvakati mumaoko. Saka kana chimwe chinhu chikasashanda, edza chimwe uye uone chokwadi pamusoro pacho nekuti hupenyu hwepano hausi kudhura, kunze kwekunge wazvinyima zvese zvese, ipapo unogona kumira kwekanguva. Saka ziva kuti haugone kudzora zvese uye zvinoshanda iye zvino hazvizoshande mune ramangwana. Asi nezvese zvese iwe unozonyatsoziva kana iwe wakambosangana nazvo uchiyedza uye wotora stock gare gare. Rombo rakanaka uye huchenjeri nesarudzo dzako dzekupedzisira.
Ndatenda Jacques nemhinduro yako. Chokwadi ndinogona kutanga kunakidzwa nekurega basa kwangu kare.
Asi nekuti ndinombomira, ndinovakawo zvishoma, uye kana ukatanga kuishandisa, pachiyero uchawanawo zvishoma pane kana ukangotanga kuishandisa kana wava nemakore makumi matanhatu nemanomwe. Uye hongu, kugara pamwe chete kunogona kukonzera matambudziko, semuno muNetherlands.
Asi ndatiwo imba taiva nayo asi chokwadi vari 2 saka togonawo kugara takaparadzana nevana kuti tisavabereke. Dzimba dzakangotarisana. Asi inishuwarenzi yehutano inondinetsa. Tese tinochembera uye matambudziko anozouya pane imwe nguva.
Wadiwa Geert,
Ini ndine zvakafanana newe, imba (muBangkok) yakabhadharwa zvizere.
Mari yangu yevanhu 4 pamwedzi ndeiyi;
Magetsi; pakati pe3.600 ne6.000 Bhat (tine 4 air conditioning uye maviri anogara achishanda, imba yekutandarira kana yekurara, asi kana vaenzi vauya, air conditioning inobatidzwawo mumakamuri evaenzi, ipapo bhiri rinomhanya ku6.000 Bhat. Isu tinewo hita yekugezera .TV muswere wese.
Mvura; anenge 270 Bhat pamwedzi
Yechokwadi WIFI 640,93 Bhat pamwedzi
Dtac foni inodhura, ingangoita 1.200 / 1.400 pamwedzi
Gas; 1 bhodhoro mwedzi gumi yega yega (yekubika chete)
YeBic-C / Tesco Lotus ini ndinopedza mazana mashanu Bhat pazuva (vanhu vana uye vakajairwa "vanodya vatema")
Peturu yechikuta changu i100 Bhat pamazuva matatu, asi ndinotyaira mazuva ese mangwanani nemasikati.
Itsva vhiri uye scooter kugadzirisa kamwechete kamwe pamwedzi 2, ingangoita mazana masere Bhat (800 mwedzi)
Ipapo ini ndinonwa kofi kune imwe nzvimbo, ine chimwe chinhu chekudya uye ndinopedza 40 Bhat (7-gumi nerimwe) kusvika ku100 Bhat. (pazuva)
Mari yangu inodhura zvakanyanya kuenda kuNetherlands kaviri pagore (vana nevazukuru)
Ndinovimba izvi zvinobatsira kwauri,
Kwaziwai Nico
Ndave ndichigara muPhuket kwemakore gumi nematatu uye zvino ndinogarako zvachose. Ne 13 baht pamwedzi hazvizove zvakanyanya basa
Kugara uchiverenga kuti uone kana zvichizoshanda hazvigone kunatsiridza kunakidzwa kwako nehupenyu, ndinofunga.
Asi inishuwarenzi yehutano pano haina kudhura, zvichienderana nezvaunowana.
Kana iwe waizoenda kuzororo zvakare kutanga uye chengetedza mari yako, saka iwe unotova nepfungwa. Uyewo yeuka kuti mudyandigere wako haukure pamwe tarisiro yehupenyu, muBelgium ini ndinoderera gore negore, kwete zvakawanda, asi kana zvirizvowo muNetherlands uye uchine makore akawanda ekuenda, pakupedzisira iwe unenge usisina. vane 24000 baht uye mitengo pano inokwira gore rega rega.
Ndinovimba ndakakubatsira
Usakanganwa inishuwarenzi yehutano. Izvi zvinogona kuwedzera zvakanyanya kana iwe usingachakwanise kuvimba neDutch basic inishuwarenzi. Mune mhaka yangu iyo inopfuura 3,000 Euro pagore pamunhu (makore 59 & 57), asi pamusoro pezera re60 unogona kufunga nezve 4.000 Euro pamunhu. Saka kusvika zera rekurega basa, yatove hafu ye100,000 Euro yekuchengetedza.
Inishuwarenzi yehutano muThailand ine kambani yakavimbika ichave yakanyanya kudhura, taura neAA inishuwarenzi Hua Hin, Dutch, uyo anogona zvechokwadi kukupa ruzivo rwese nezve izvi.
Kubudirira
zvirokwazvo, bata AA Inishuwarenzi Hua Hin Mathieu anogona kukuzivisa iwe zvakanaka
iyo nzanga uye kirasi inonakidza kwauri.
Ini, ane makore makumi matanhatu nematanhatu, ndine inishuwarenzi neBDAE (German me) inondibhadharira 66 euros pagore.
asi haina muganho wezera semaThai mazhinji. maconditions ekukwira chete ane hutano.
Zvakanakisisa,
Kubva pane ruzivo rwakataurwa, ndakaverenga kuti Nico anowana pa30000Bht/mwedzi. Izvo zviri kunze kweshuwarenzi yekufamba uye yehutano. Saka inoshanda kusvika ku1000Bht / zuva.
Ini ndinogovera maonero aMarcel Janssens kuti izvi hazvizove zvakadaro muPhuket.
Chakanakira ndechekuti haufanirwe kubhadhara rendi yemba kana kurenda mota, asi kutyaira kunodawo mari. Kuti tive nenzvimbo yakawanda, ini ndoda kupa 2000Bht/zuva nekuti iwe unoda zvakare kunakidzwa nezvose izvo Phuket inopa pano muPhuket (iwe unogona ipapo kutsanangura kuti chingave chii uye kuti ingaite marii).
Ndisati ndafunga, ndingakurudzirawo kuti ugare ikoko kwemwedzi mishoma, sezvaungaita kana wangotamira ikoko zvachose. Chengetedza maakaundi akanaka uye bhajeti yekutevera iwe pachako.
Rombo rakanaka.
Geert, isu tave nemba paPhuket kwemakore, isu tave kugara muISAN uko hupenyu hunodhura zvakanyanya, mese muri kutenderera makumi mashanu neshanu, muchifunga kuti munogamuchira mudyandigere pamakumi matanhatu nenomwe, zvakare unorasikirwa ne55 muzana mune yako 67 muzana, ita masvomhu uye Tora zvese zvakanangana, rombo rakanaka.
Dai ndaiva iwe, ndairamba ndichichengeta kana zvichiita.
Haufanire kukanganwa kuti mitengo inokwira nekukurumidza gore rega rega muThailand kupfuura muNetherlands.
Mitengo kutenderera pasirese ichasangana zvishoma nezvishoma sezvo zvinhu zvakawanda zvichitengeswa pasi rose (kune mutengi wepamusoro).
Uye zvinoita sekunge hausi kutora yakajairika inflation mukuverenga kwako.
Mumakore mashoma mutengo wako uchave wakakwira zvakanyanya kupfuura zvauri ikozvino.
Pandakaenda kune imwe nyika, ndakafunga nezvekukwira kwegore negore kwe3,5%
Dear Geert, unogona kugara zvakanaka pa25.000 Bath pamwedzi kune vanhu 2, chero iwe usingaite zvakawandisa senge kubhejera, hapana kuderera kwemota uye hapana rendi, ndinoziva izvozvo, ndinogara zvachose muThailand. Iwe une zviuru zana zvemaeuro mukuchengetedza, angangoita zviuru zvina zvekugezera, zvauri kuda kuisa parutivi zviuru zana nemakumi matatu uye kubvisa zviuru gumi zvemwedzi iwoyo, saka une zviuru zviviri nemazana manomwe asara, ayo aunoda mazana mana evisa yako yekuroora. Saka vangangoita 100.000, unogona kuchengeta izvo padivi nekuda kwekuwedzera kweramangwana mumutengo wekurarama, asi ramba uchiverenga. Zvichida iwe zvakare unoda chimwe chinhu chekushanya kwako kwegore kuNetherlands?
Zvishoma zvakakosha pfungwa.
Yako AOW accrual inomira kubva panguva yekubvakacha, mazera ako ari pedyo kune mumwe nemumwe, saka nekukurumidza mushure mekunge 1st AOW yauya, mese mune AOW uyezve mune penjeni.
Dambudziko riri painishuwarenzi yehutano, kune mese muri vaviri muchapedza mari inosvika mazana mana emaeuro pamwedzi, kureva 400 Bath X 16.000 = ingangoita 12 Bath pagore. Izvi zvinoreva kuti uchagashira yambotaurwa 200.000 Bath kusvika zera rako remudyandigere. Ipapo matura ako opfuura nepakati pavo.
Chii chaungaita nezvazvo? Iwe unoda kutora njodzi yekusatora mutemo kusvika wasvika zera remudyandigere wehurumende wobva watora mutemo kana wangowana mudyandigere wehurumende nemari yepenjeni?
Ndofunga nezvazvo zvakare, tanga waunganidza ruzivo nezve. mutengo wemutemo wehutano, saka iwe unogona kuve netarisiro iri nani, kana iwe uchitsvaga chokwadi, saka hazvisati zvave kuita kuti uende kuThailand uye iwe unomirira kusvika wava nepenjeni yenyika uye penjeni, kana ukashinga kuisa njodzi. , ipapo iwe unosarudza zvakasiyana, Hazvingavi mazano angu panguva ino, zvichida mushure memakore mashomanana, kutanga kuwedzera mari yako yakawedzerwa.
Ndinovimba izvi zvinobatsira kwauri, ndingafara kukupa zano neimwe nzira. Rombo rakanaka nekutengeserana-offs.
NicoB
Kune vanhu vazhinji, kunyanya muThailand, chirevo chinoshanda chekuti chishuwo ndiye baba vepfungwa. Kungorarama uye kubhadhara mari yekugara, iwe unoda angangoita zviuru makumi matatu baht, kana iwe uri anopfuura munhu mumwe, uye iwe zvakare unoda kufunga nezvevamwe. Ipapo iwe unogona kutenga zvako vhiki nevhiki kuMakro neTesco, kubika zvinonaka mazuva ese, uye dzimwe nguva uchidya chiThai muresitorendi yemuno. Upenyu hwakanyarara uye hwakadzikama. Pasina kuwanda kwemusoro, nekuti ndizvo zvaunoda muThailand. Kana mari ikapinda mukutamba, iwe uchave wabuda mairi muThailand pasina nguva!
Nekudaro, kana iwe uri pamusoro pemakore makumi mashanu, unogona kugara muThailand pahwaro hwe "mudyandigere". Kana iwe wakaroorawo munhu wechiThai, 50K baht muaccount inokwana. Verenga iyo Thailand blog Visa faira. Ona kumusoro kuruboshwe!
Kune inishuwarenzi yehutano yakanaka, uri kuThailand pamwedzi pamwedzi. inenge 150 euros. Kana iwewo uchida kupa inshuwarisi kune wako wekuThai wekutarisira kwakanaka, vimba ingangoita 250 euros pamwedzi. Uyewo funga kuti mukuru waunowana, iyo inonyanya kudhura iyo premium ichava munguva refu. MuThai anogona kushandisa zvivakwa zveThai, asi pasina imwe inishuwarenzi kuburikidza nevashandirwi kana hurumende, haungararame kana paine chirwere chakakomba uye kupindira. Iwe unozoendeswa kumba kana kuiswa mukoridho. Naizvozvo, ona zvese nezve mutengo wehutano muThailandbog Medical Mari. Dzvanya vhura kumusoro kuruboshwe!
Kana kuti tinya pane iyi link: https://www.thailandblog.nl/?s=ziektekostenverzekering&x=36&y=10
Ichi chinongedzo chakanaka zvakare, kambani yeDutch muHua Hin, pakati pevamwe: http://www.verzekereninthailand.nl/ Ivo vanogona kukupa iwe zano rezvisarudzo uye huwandu hwemaprimiyamu.
Zvakare rangarira kuti pagore rega rega rawakabvisirwa kuNetherlands, pane kuderedzwa kwe2% yeAOW yako. Muchiitiko chako izvi zvichasvika kune anopfuura 25% zvishoma Aow. Hazvina chokwadi kana izvi zvichabhadharwa muna 2030 pazera re67. Izvo zvakare hazvina chokwadi kana Thailand icharamba ichiona kucheka mukufamba kwenguva nekuda kwe "nyika yekugara musimboti". Kuwedzerwa kwepenjeni yako kuri kudererawo.
Une chokwadi chekuti unoda kubhadhara yako 24K baht pamwedzi? pamakore 67?
Kusvika panguva iyoyo, iwe unoda kuwana mari yako yekuchengeta: pamwedzi 30K baht yekugara mvumo uye 6K baht yehutano inishuwarenzi premium. Ngatiti iwe wachinjana yako 100K euro savings, zvino wave ne4 miriyoni baht. Isa parutivi 400K baht yevhiza yako, uye yasara ichagara iwe mwedzi zana, kana makore masere nemwedzi mina. Usarega zvinhu zvakaipa zvichiitika! Ipapo iwe unenge wava nemakore makumi matanhatu nematatu ..., mari yapera, hurumende yepenjeni / yehurumende ichafanira kumirira kwemakore.