@Andi **********

This is a good suggestion, thank you. Which areas would you recommend?

@Don ****

Could be. I spent a month in Bangkok and am in Phuket now. Looking for a place that is both natural and modern. Benjakitty park in Bangkok is really nice, but apart from it there is almost no nature in the city. Phuket is very scenic but modern amenities are lacking, and the traffic of course. I understand that the rest of the islands are a laid back version of Phuket - maybe I'm wrong? Maybe I should see Hua Hin.

@Steve ***********

Love this response 😆

@Richie-Rich *******

No SWIFT.

@Dom *******

Thank you for your kindness. Yes, I like the best of both worlds - big cities with nature in them :)

@David *********

I'm working remotely. Home country sanctioned - can't receive salary there. Gotta live somewhere so got the DTV. Used to live in Dubai before, but it has gotten very expensive, isolating, and long summers pretty much guarantee a depression every year by September. The heat is so bad for 5 months of the year, you can not go out even at midnight. Think April in Thailand but twice as hot. I'm actually happy to be surrounded by nature in Phuket. But I'm starting to realize that povetry, neglect, and corruption are something I tried to escape my whole life because I was raised among all that.

@Sebastian **********

@Tore ********

Yes, expected, but in a week's time? A third of the capital "lost" and it keeps going down, panic is everywhere. Even Buffett sold the airlines at a huge loss during covid. I doubt us common folks are smarter than him. It's basic human nature. Most would sell at a loss. On the other hand, my bank pays 5.5% annually on a USD-pegged currency wtih no risk.

@Tore ********

The reason I liked the Vanguard calculator is because it is asking the right questions. What would you do if you see your initial investment 20% down? What would you do if your investment went down 30% in a week like it did in 2008? Worldwide index funds went down just as much. In 2020 too. What would if you were planning to buy a new car or pay a year's rent upfront + furnish the entire apartment just at the time when the market crash occured? The calc recommended me a 50 / 50 allocation between stocks / fixed deposits. And I thought I'm young and risky.

@Tore ********

It's not wise to have 90% of your money invested in the stock market. This is nothing else but greed and fear of missing out. Since this is basically ALL your money, in the event of market crash, seeing 90% of your capital taking a 30% dive in a matter of days / weeks, most would panic sell with a loss. Especially if you were planning for a big purchase at the time. Vanguard has a survey/ calculator on their website which helps allocate portfolio between stocks / bank deposits based on your age, risk appettite, and investment horizon. I found it very useful.