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Retirement Visa
I remember reading somewhere that if you're applying for a retirement visa outside of Thailand, you can just show that you have more than 800,000 baht in some non-Thai bank. Or, you can show proof of 65K baht per month income, such as from a pension.
As for the police rap sheet, if you get a non-immigrant "O" visa outside of Thailand, you can then extend it in Thailand, on the basis of retirement, without the need for a police check. By that time, you can also open a Thai bank account, if necessary, and have the US dollars wired in.
As for the money you spend in Thailand? So far, I've just been using the ATM, drawing 20,000 at a time. With all the fees, I'm still getting a good rate. It varies a little bit, but I think the last withdrawal was about $574 US dollars, plus a $5 bank fee, plus a similar Thai bank fee.
Rex
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