I am U.S citizen in Thailand for 15 years. I have "extension of stay for 365 days for purpose of retirement(there is no so called " retirement visa".) I am using my social security direct deposit every month to my bank in Thailand, as I get over the 65,000 baht minimum requirement. I do immigration myself and costs me 1900 baht per year. No affidavit from embassy, just statement from my Thai bank
The 1st thing you need to learn in Thailand, is that being "busy" is the last thing you need. One needs to learn the "here and now", the present moment is all we have and need. 15 years here, retired, and never busy
There is actually no such thing as a retirement visa. It is extension of stay for 365 days based on retirement. The NON-O is 3 months visa prior to the yearly extension of stay, for the purpose of seeding the
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0 baht for at least 2 months prior to the 1 year extension of stay.