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Retiring in Thailand, most of the things you need to know

The Thaiger

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Retiring in Thailand, most of the things you need to know | The Thaiger
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Please note: The information in this document is provided as a guide only. You should always check the latest information with a Thai Immigration official or professional visa agent.

Thailand remains a popular world location for retirees – the beaches, climate, access to good medical care and great food.

There may be a few more potholes in the roads and some cultural aspects will remain perpetually confusing. But there is always adventure in Thailand and the infrastructure continues to improve every year as the Kingdom takes its place as south east Asia’s second largest economy, after Indonesia.

The cost of living is still relatively low, first-rate healthcare is available in the main population centres and the weather is conducive to a healthy lifestyle.

According to International Living, Thailand ranks ninth in the world as a place to retire with relative ease.

Nestled between Myanmar, Laos, and Cambodia, Thailand enjoys the warm-water coastlines of both the Andaman Sea and the Gulf of Thailand. This is a country that has never been colonized by any Western or European countries, so Thai culture is untouched, rich, and ancient. What’s more, it’s ideal for expat living – International Living

Within a few hours you can visit a myriad of exotic countries, cultures and sites. Getting around is increasingly easy with a growing number of airlines flying in and out of the Kingdom. Many western passports will give you access to most of the countries nearby with either visa-on-arrival or minimal visa requirements.

There’s already an international expatriate community in Thailand, moreso than in the past when a handful of Europeans, British, Americans and Australians were the most populous expat populations. Now many Japanese, Chinese, Koreans and eastern Europeans also call Thailand home making expat life richer and more exotic. Many retirees were here for work and decided to stay. Others moved here for retirement.

You can get just about any food you like in Thailand now, but international foods are not cheap, whilst the local Thai fare is ubiquitous and available on every street in the country, fresh and aromatic. Yes, you can still get a Thai meal for less than 50 baht!

On the downsides, you need to be careful when driving but, statistically, if you’re over 30, don’t drink and drive, wear a hemet (if riding a motorbike) or drive a car you’re, statistically, in no greater danger than 70% of the world’s roads. Thailand is currently ranked in sixth position as the most dangerous place to drive (WHO).

There’s also a long list of cultural faux pas and ‘misunderstandings’ awaiting you in the Land of Smiles. The smiles can be very real, but there’s also hidden dangers and scams awaiting the ‘newbies’. A few hours on the internet will save you a lot of pain. Really, it’s no different than most other places in the world in that regard.

• Top 10 scams in Thailand. Read HERE.

• Top 10 things NOT to do in Thailand. Read HERE.

• Top 10 hard truths of living as an expat in Thailand. Read HERE.

On the plus side, there is an established expat community, outdoor activities are almost endless and you’re living in one of the most dynamic and stable economic regions of the world.

Politics

Mmmm, this is a difficult one to explain to foreigners. From the outside it looks like Thailand is run by a quasi-military government with a veneer of democracy and elections. From the inside Thai life stumbles along with a growing economy and, compared to many other countries, a stable economy.

Thailand has a long history of military coups since it became a constitutional monarchy in 1932. The Thai Royal Family still enjoys strong respect amongst Thais. The new King, HM Maha Vachiralongkorn, has certainly become more ‘hands on’ than his father (King Bhumibol Adulyadej who was on the throne from 1946 – 2016). But The King, with the support of the Royal Family, remains as the Head of State in all Thai constitutions since 1932.

All governments, even Army coups, need the support of the Thai monarch to be enacted.

Bottomline, the daily political life of Thailand provides, despite plenty of criticism, a stable country for its citizens.

There is a focus, certainly by Thai media, on the machinations and drama of Thai politics, but, in truth, Thailand has proven a stable and safe place for expats and retirees over the past five decades.

Visas

The first obstacle to entering any country is getting a visa. Retiring to Thailand is so popular that there is a specific visa classification for that – the Non-Immigrant O visa covers a number of reasons for entering Thailand, as the name suggests, and one of them is retirement.

To qualify for a retirement visa, you need to meet two basic requirements:

• You must be at least 50 years old
• You must have proof that you can financially support yourself
• You can either have a monthly income of 65,000 baht
• Or you must have 800,000 baht in a Thai bank account

For the 800,000 option, you need to be able to prove that the money has been in your account for at least two months before applying for the visa. You must also still have at least 400,000 baht in your account for at least three months after you get the visa.

In other words, you need to actually have the money – you can’t just borrow it for a few days to meet the visa requirements. The visa will need to be renewed annually and you’ll still need to meet these requirements each time.

You need to report to an Immigration Office every 90 days, any immigration office around the country is OK. These days the 90 day reporting can be completed online, once registered.

If you decide to do a 90 day report in person, it doesn’t take long, once you get to the front of the queue. Arrive early if you want to keep your visit short. Dressing with a neat collared shirt will always go down well at the Immigration offices (actually that goes for just about anywhere in Thailand).

You’ll also need…

• Visa application form, completely filled out
• Passport or travel document with at least 18 months of validity remaining
• Recent passport-sized photograph (3.5 x 4.5 centimetre), taken within the past 6 months
• Evidence of adequate finances (as above)
• Proof that you have retired

Applying for the Non-Immigrant O visa isn’t too difficult but requires the paperwork to be properly prepared. There are also many agents in Thailand who will do the legwork for you and advise you as you go, for a fee. Getting a recommendation for a reliable visa agent is always better than trawling through the internet and hoping for the best.

There WILL be a few bumps along the way – all the paperwork and forms are in Thai language to start with – and an agent on your team will make things a lot smoother. Of course you can do all this by yourself but prepared for a few speed bumps. All immigration offices in the main population centres, have volunteer international staff who are an excellent first stop when you visit Immigration. They will check your documentation and advise before you end up sitting in front of a Thai immigration official.

While the requirement of an income when you’re supposed to be retired is counter-intuitive, this can take the form of a pension or passive income. So you’ll therefore need to set up a means of regularly transferring money into the country.

There are various options available for transferring your pension, or other passive income into the country. Thai banking is very modern and all banks have safe phone apps to do international transfers.

The quickest and simplest approach to transferring money from an international port is to use a remittance service as the fees are lower, the transfer is instant and the exchange rate is better. Using a bank transfer is also possible, but is slower and generally less cost-effective.

If you’re looking at how to retire in Thailand from the UK, it’s worth looking into QROPS (Qualifying Recognised Overseas Pension Scheme), which may enable you to relocate your pension to Thailand so that it pays out directly into your Thai bank account, according to blog.deemoney.com.

However, retirees from other countries may have to look into private pension schemes and particularly into the regulations regarding how they pay out.

Cost of living in Thailand

The good news is that 65,000 baht per month (or an 800,000 baht lump sum) can go a long way in Thailand, particularly if you pick where to retire with a degree of care. Bangkok, Phuket, Koh Samui, Pattaya, Chiang Mai and Hua Hin are the most popular. There’s also a growing expat community in the north-east of the country, aka. Isaan. Each region has its own benefits and attractions. Cities and tourist areas are going to be more expensive than up-country in central Thailand.

Bangkok is a large Asian city with a cosmopolitan culture and everything you’d expect, and more, than any other major city in the world. Getting around is increasingly easy if you’re willing to go public and take short hops on motorbike taxis. Driving yourself around Bangkok will drive you insane.

Phuket is the largest island in Thailand, on the Andaman Sea. It was once a tropical paradise. Now it’s a growing urban island but still has all the same amazing beaches, just a lot more tourists. Approximately, the west side of the island is expensive and where a lot of the tourists hangout. The east side is a lot cheaper and residential.

Koh Samui is the second largest island in Thailand, but in the Gulf of Thailand. It’s a smaller version of Phuket with more of an ‘island feel’ than its larger cousin. It suffers from an airline monopoly that makes it expensive to get there by air. There’s also ferry services connecting you to the mainland.

Pattaya is, well, Pattaya. It became famous as an R&R location for American soldiers during the Korean War, then the Vietnam War. Then it built on its R&R reputation by becoming a popular destination for western tourists, mostly male, in the 70s and 80s. Since then its thrived as a sex-tourism destination but, over the past decade, has become much more cosmopolitan and cleaned up its act with classy tourism attractions, food scene and hi-rise condos.

Chiang Mai is the northern Thai capital. Very laid back and steeped in the Lanna culture. It’s a flat, easy-to-get-around city, surrounded by beautiful hills and a growing eco-tourism scene.

Hua Hin is a quieter seaside destination. A favourite for Bangkok weekenders, it now attracts a growing expat scene. It’s a coastal strip, facing the Gulf of Thailand, about 3-4 hour easy drive to the capital.

Cost of living

When it comes to figuring out some basic costs of retiring in Thailand, your personal cost of living will vary a LOT depending how and where you choose to live. You can, probably, live as cheaply as 30,000 – 40,000 baht per month if you’re prepared to live as a local and ‘rough it’ a bit, and not in a touristy area.

For Bangkok…

• A comfortable one-bedroom apartment – about 10-15,000 baht per month

• Utilities (including internet, phone, water and electricity) – about 2,500 -4,000 baht per month

• Food (eating local food) – 100 – 300 baht per day

• Food (eating mostly foreign food) – about 300 – 1000 baht per day

• 1 beer – 100 – 150 baht, depending on the brand and where you buy it

• Comprehensive medical insurance – 4,000 – 10,000 baht per month (you would be MAD not to have full medical insurance)

Some other notes on cost of living…

• Foreign goods can be heavily taxed and may cost more in Thailand than where you came from

• Anything involving local labour will likely cost a lot less – massages, maintenance, car services, etc

• If you choose to live in a beach resort, near the beach, eating international food and drinking imported beer all day, it will cost you more than you think

Health insurance

Health insurance is a big consideration for older expats and will eventually become a critical issue. Whilst Thailand has an excellent, and mostly free, public health system for Thais, and employees (including foreigners) of Thai companies, that doesn’t extend to Retirees.

As an expat you can use the Thailand’s public health system, for a cost. The public system gets mixed reviews by foreigners but, generally, the medical care is good, if not as glamorous as the private hospitals.

But ‘public’ will cost you a LOT less than the country’s private hospitals. These are very good indeed but come with a high price tag. But note that most of the Thai doctors working in the Private system in Thailand usually work in the Public sector as well.

Once you’re over a certain age (70… maybe 75) many international private health schemes will drop you off their list. You need to check these details, the age limits, and your options once you are left to fend for yourself.

• Your best health asset as a Retiree is to avoid ending up in a hospital in the first place. Preventative health is your best option and opportunities for a fun and healthy lifestyle abound in the Land of Smiles. Sadly, there are many stories of expat Retirees that get into bad habits, end up with health problems (and no insurance) who then fall between the cracks of Thai life and wither away. Don’t let this be you.

Property

You can rent or buy property depending on what your goals are. The Thaiger would always recommend renting, at least for a while, to see how you settle in – perhaps even renting for a month in a number of locales to give yourself a chance to ‘try before you buy’ and commit to a long-term stay.

Buying property in Thailand is an entire post of its own. Here’s a detailed website for just about everything you need to know about purchasing property in Thailand. Don’t even THINK of buying property in Thailand until you have done your homework on the matter.

To look for Thailand’s largest range property, and rental properties available, go too FazWaz.com

Information originally published on blog.deemoney.com

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Expats

MSG makes a comeback with a new campaign against the ‘Chinese restaurant syndrome’

The Thaiger

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MSG makes a comeback with a new campaign against the ‘Chinese restaurant syndrome’ | The Thaiger
PHOTO: MSG got a bad rap for 50 years - bostonmagazine.com

MSG, or monosodium glutamate, a common seasoning in many foods from Doritos, to salad-dressing and Thai food, is making a come back. Not that it really went away. But there was 50 years or so when it suffered, unreasonably, a poor reputation.

For years it was branded an unhealthy processed ingredient despite a lack of supporting scientific evidence. It became the whipping boy of Chinese restaurants with people alleging they would suffer from symptoms like dizziness and palpitations after eating Chinese food seasoned with MSG. It even earned the nickname “Chinese restaurant syndrome”.

The Merriam-Webster even added “Chinese restaurant syndrome” to its dictionaries from 1993 after it became somewhat of an urban legend such that it became excepted that a lot of Chinese food contained MSG and that it was, somehow, bad for you. Despite hundreds of studies there has never been any repeatable experiments where it could be proven that monosodium glutamate was bad for consumer’s health or could repeat the alleged side-effects in control groups.

It all started when a biochemist wrote a letter to the New England Journal of Science in 1968 saying that Chinese restaurant food left him “lightheaded and with odd aches and pains”. The next issue of the journal published more purported side-effects.

That grew into a meme that Chinese food was dangerous for you and spread quickly, and even gained some early legitimacy by some medical professionals at the time. A 1969 scientific paper claimed that MSG was “the cause of the Chinese restaurant syndrome,” and said it caused “burning sensations, facial pressure, and chest pain.”

Subsequent scientific studies over the next half century have never been able to validate the 1969 paper’s claims or find any link between the white salt-like substance and any side effects. Studies suggest that any correlation on side effects from eating MSG were probably psychosomatic.

MSG was first introduced in 1908 by a Japanese chemist Kikunae Ikeda, who was able to isolate unique flavour of a popular broth made from a seaweed called kombu. Ikeda described the flavour as neither salty, sweet, sour or bitter. It was unique. The taste came from the glutamate in the seaweed and earned the new, “fifth taste” which would be called “umami”, neither salty, sweet, sour or bitter.

But MSG has been used as an active ingredient in many Asian foods, not the least Thai food where the white crystals are sprinkled liberally on favourite Thai dishes from the street stalls to the hi-so restaurants.

Now there’s a campaign, “Redefine CRS” headed by Japanese food and seasoning company Ajinomoto to reflect the current knowledge about MSG and the impact of misinformation on the public’s perception of Asian cuisine.

The whole Chinese Restaurant Syndrome was a western construct and never became a ‘thing’ in Asia. So Ajinomoto are calling out the half century of misinformation as “racist”. If MSG was actually dangerous or could conjour up it’s reputed side effects a long list of Asian countries and their populations would be walking around complaining about it.

“To this day, the myth around MSG is ingrained in America’s consciousness, with Asian food and culture still receiving unfair blame. Chinese Restaurant Syndrome isn’t just scientifically false, it’s xenophobic.”

In a video several Asian American figures, restaurateurs, and medical professionals spoke out against the misconceptions surrounding MSG and Chinese food. Famed restaurateur Eddie Huang, whose memoir was adapted into the hit sitcom “Fresh Off the Boat points out that MSG is not only delicious but found in hundreds of commonly used foods we use every day.

“Calling it Chinese restaurant syndrome is really ignorant.”

The campaign proposes a redefinition of “Chinese restaurant syndrome”… “an outdated term that falsely blamed Chinese food containing MSG, or monosodium glutamate, for a group of symptoms.”

Chances are, you’ve eaten it. You light be eating it right now as you snack and scroll through your phone. MSG is a common amino acid naturally found in foods like tomatoes and cheese, which people then figured out how to extract and ferment. This fermented glutamate salt is now used to flavour lots of different foods like stews or chicken stock and seasoning.

A joint study by the World Health Organisation and the UN Food and Agriculture Organisation “failed to confirm a link between MSG and the ‘Chinese Restaurant Syndrome’. The syndrome itself was based on “anecdotal” evidence rather than any scientific fact.”

As the new campaign points out, the public scare over MSG unfairly placed the blame on Chinese food. That myth persists in many western countries where Chinese food as is sometimes considered processed, unclean, or unhealthy.

So, head down to your local Chinese restaurant and thoroughly enjoy your meal because it tastes great, along with all the other Asian cuisines you love. If you feel ‘icky, bloated and tingly’ after your meal it’s not the MSG, you probably just ate or drank too much.

As a side note, The Thaiger was involved in an experiment six years ago in Phuket when we had two control groups of three people. The six people were sat down and told we wanted to measure the effects of MSG in their food. All were given a standard Pad Thai Goong. One group was told the meal had been prepared with MSG, the other without MSG. In the interviews after, the group who ate the food prepared with MSG noted they had ‘tingling around their lips’, ‘feeling of flush cheeks’ and ‘racing heartbeat’.

The other group, who were told their meals were prepared without MSG, had no complaints.

Then everyone was told that, in fact, the meals had been switched, so that the group who thought they had consumed MSG had eaten a Pad Thai Going without any MSG.

Hardly a scientifically-validated study but an indication how we can be easily convinced to believe anything.

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Bangkok

Call centre raid in Bangkok – French citizens arrested

The Thaiger & The Nation

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Call centre raid in Bangkok – French citizens arrested | The Thaiger
PHOTO: Immigration Police chief Lt-General Sompong Chingduang - The Nation

Ten French citizens have been arrested on charges of working illegally at an international call centre in Bangkok. Immigration officials were acting on a tip off and had already obtained a court-authorised search warrant to enter the building on Soi Thong Lor 25 in Wattana, central Bangkok. The building was a four-storey house modified for office work.

Speaking to the media yesterday Immigration Police chief Lt-General Sompong Chingduang says the officers seized laptop computers and signal transmission devices for communicating with overseas clients.

They arrested ten French nationals – seven men and three women. 9 of them had entered the country on tourist visas and had not upgraded their visas to business visas. They were charged with working without a legal work permit. The 10th had a work visa but was for an occupation unrelated to running an online business. He was charged with working outside an “authorised field” in his work permit.

The suspects told police they’d been working in Thailand for about a month, dealing with French clients and some in Belgium.

“They told their clients they were agents for a Singaporean company that facilitated money transfers and taxation services. They usually worked afternoons and early evenings to align with office hours in Europe,” according to police.

SOURCE: Bangkok Post

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Expats

Two new SV 14 boats donated to Disabled Sailing Thailand in Phuket

The Thaiger

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Two new SV 14 boats donated to Disabled Sailing Thailand in Phuket | The Thaiger
PHOTO: Arnaud C. Verstraete and Peter Jacops celebrate the launch of the new boats for disabled sailors in Phuket

Two new sailing boats have been added to the Phuket fleet of Disabled Sailing Thailand. Two boats have been launched, the S\V Arnaud 1 and S\V Arnaud 2, named after long-time Phuket expat and philanthropist, Arnaud C. Verstraete.

The two 14 foot S\V14 sailing dinghies are designed to be sailed by people with disabilities and will support Disabled Sailing Thailand’s goal to make sailing a sport easily accessible for everyone.

Arnaud kindly donated them to Disabled Sailing Thailand and was present to celebrate their launching in Phuket recently.

“I’ve been following Disabled Sailing Thailand with interest for some time. What they are doing, providing opportunities to people with disabilities that never before existed, is a great thing and something I am proud to support. It’s not only about sailing though, it’s about building people’s self-confidence and giving people with disabilities the feeling of freedom and enjoyment.”

Disabled Sailing Thailand was established in 2015 with the aim to provide people with disabilities the opportunity to experience sailing in a safe environment, empowering them and giving them the freedom and mobility on-the-water that is often lacking in their lives onshore.

The availability of these boats in Phuket is part of an ongoing effort to make the island a more accessible destination for people with disabilities. They will appeal to international travellers with disabilities who are looking for safe and accessible activities to enjoy while traveling, as well as to professional Para Sailors from around the world who can now come and train in Phuket.

Disabled Sailing Thailand’s Founder, Peter Jacops says the kind donation of the two brand-new S\V14s by Arnaud will make a big difference to sailing in Phuket.

“Currently, there are very few boats in Thailand that are suitable for para sailors and the S\V14 is a perfect sailing dinghy for novice or professional. These two new boats means our fleet in Phuket now totals four and we will be able to offer more fun sailing opportunities for people with disabilities on the island.”

For more information about Disabled Sailing Thailand and the S\V14, visit disabledsailingthailand.org and sv14.org

Two new SV 14 boats donated to Disabled Sailing Thailand in Phuket | News by The ThaigerTwo new SV 14 boats donated to Disabled Sailing Thailand in Phuket | News by The ThaigerTwo new SV 14 boats donated to Disabled Sailing Thailand in Phuket | News by The Thaiger

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