# Thanks for the invite! I am 60 years old and recently retired. My wife is only 46. We are citizens of the US. We are thinking of Chiang Rai because of the air quality and smaller size of the city. We are trying to figure out the best way to obtain the visa. For myself it looks like the O-A visa for one year is our best option (though renewing every year seems like a hassle). The O-X for five years seems nice, but we hate to lock-in a good chunk of money in a bank account just sitting there unused. We do have investments at Fidelity that has partnered with the Krungthai Bank, but even if we tied our accounts to that bank, not sure if it counts as a "fixed" deposit even if my pension went into the account (the Thai Bank would still have a fairly low balance). Now concerning my wife, I heard there is an "O" visa that attaches to mine "O-A" visa? I am not sure how this works. Is it still for a year? What is needed on her end? I truly appreciate any help that you can give! Thank you.