Phillip *********
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Phillip *********
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Phillip *********
The last month you go and come back 1 or 2 days before it expires. You get an additional 90 days on the last entry. 12 months plus the extra 90 days.
Phillip *********
By timing it; he means to do your last entry 1 or 2 days before it expires. So when you come back, you get another 3 months.

You need 400k in a Thai bank in your name for more than 2 months to do the visa anywhere else but Savanakhet. He's correct about that being the only place that doesn't require the financials.