Khun Bob

Thanks for all the replies.

Isaanlawyers - do you have a larger copy of the image and of all pages of the chanote ? I'm not so worried about the translation, but would like to see all pages.

Chowna - good advice and I will do this when I am back in Thailand - that wont be for a couple of months - just doing research now.

This is an example of a title deed in Thailand. You will find also a translation of the written information. It's normally in Thai.

On the first page (the picture), you have the information about the land and on the back side, the list of previous owners and the current one. (see the translation)

Thanks for the replies

Although I didnt say in the first post who my current preferred supplier is the two replies I have had have just confirmed that. Sunbelt is a sponsor of TV, but what I like is the majority feedback on Sunbelt, the posts that Greg makes and how he comes across. I haven't met him but have sent a few emails and like what I have received.

Nevertheless, it is always worthwhile to be able to compare and this is where I am interested.

The list I have so far are :

Sunbelt

IsaanLawyers

SiamLegal

A guy in Silom (sorry dont have my notes at hand)

Are there any others - and any more comments on actual experience of setting up leases or usufructs with these service providers ?

Thanks

Some good new too PattayaParent

Could you mention which Thai bank this was and do you know if you could get hold of a copy of the letter ? (please obsure any personal details). I ask this so I could show this as an example of what I would like to the Thai bank when I would like to get hold of one and if I am having difficulties there.

Thanks in advance..

Some good advice, thanks.

You can't get a TT3 (FET) for amounts less than $20k but you can get a letter from the bank saying that the money was brought in from overseas and stating the amount and the exchange rate. It's called a Bai Rap Rong.

I know very little about this - but singapore or hong kong will provide good quality services and may help to overcome US based problems - I think one of the biggest problems to overcome (with due respect) is your nationality and the effect it has on getting financial service outside of the US - war on terror fallout.

Nevertheless, if your out of the way and can move the cash cleverly, it may be possible to do it. But it depends on what you have to lose and gain.

What you need is the Nationwide Flex Account with a Visa **Debit** card (not the credit card) - this will give you

Fee free withdrawls from ATM's outide of the UK

Some of the best exchange rates - close to interbank

The ability to go into a Thai bank, swipe your visa debit card and have the money put into your thai bank account. This can be large sums - over 500K baht - and not have to pay transfer fees and get a good rate of exchange

To get this you need to have a uk address and some sort of a positive credit history in the UK. It would be better to apply from a branch and explain your situation and have some evidence of being creditworthy or having assets in the UK. I tried to get a 6th flex account (yes I have quite a few - and still want more) and despite holding several K GBP with them, they wouldnt give it to me. I've got some other avenues to explore and I am now passing more money in the UK through the accounts - which I think was a concern of theirs that I had so many accounts and wasnt really doing much with them, Time to try again.

Another solution may be the Post Office credit card. If you transfer money to this so you are in credit - ie a positive balance - and then use this to withdraw from atm or the swipe in the Thai bank and credit your Thai bank trick, this may work. Despite raising this nearly a year ago and starting a few threads I dont know if this works. There is an Australian credit card where this works - and I did some investigation into the Post Office credit card usage this way, but have not actually tried this. I know the Post Office card is a must have for foreign transactions as there is only this card and Nationwide that offer fee free foreign currency usage (there are some others - Lombard Direct and I heard about a Capital One card) but they are no longer available.

Hope this helps.

PS Nationwide, in my experience can be sh1tty, and you cant speak directly to the underwriters who decide on flex accounts being opened - if you cant get a visa debit card just go for a maestr cash card - this will still give you fee free usage but it may not give you the onshore exchange rate that you will get with a visa card (apparently maestro is associated with master card and they use the offshore rates - not 100% on this now - since Topfield was banned the best source of information on this has dried up - WHY did Topfield get banned - he added SO MUCH value to TV!)

Thanks for all the feedback - interesting to hear the comments on Lloyds TSB and HSBC.

Somewhere on TV there are threads that state some quite nasty events with HSBC, which I why I am reluctant to go with Nationwide who use HSBC as an agent.

Today I tried to find out from Kasikorn what I need to specify on the SWIFT transfer that the purpose of the money is for Condo/Property purchase. Not good - Lesson learned here (and I should of known better) is don't call Kasikorn English customer service outside of working hours. I gave up. However, a couple of days ago got some great service, but during Thai working hours.

So, after a trip to Lloyds TSB the other day and getting a copy of their "International MoneyMover Application" form, followed by a call to their International Payments Support - more has become clearer. On the form there is a an "Additional Payment Information" box. In there I can write the purpose of the transfer and this will be sent through SWIFT as an additional information field to Kasikorn. And, according to Lloyds TSB guy, it is typical banking practice for this info to be stored for some time. Now this is important to me as I would like to get a Foreign Exchange Transfer form or a credit note/advice leter from Kasikorn so that when it comes to buying a condo, I can present the required info to the Land department to get it in my name.

Of course I will have a copy of the form used to send the money to kasikorn in GBP, but I need to get kasikorn to produce the docs I need for the land department (or whoever deals with transfer of condo's on the thai gov side).

I get a better feeling about using Lloyds TSB to Nationwide, plus if USD continues its weakness against GBP, I could send just over $20000 equiv for £9999.99 (£20 Lloyds TSB transfer fee) so I could then get a Foreign Exchange Transfer form and maye not have to pay 30% witholding tax. But I am concerned as all the Kasikorn CS representatives seem to be saying over $20000 then 30%. Maybe, it is in the banks interest to do this ? However, few people on TV are reporting this happen. But, few people are commenting on Kasikorn. Seems to be Bkk Bank or SCB mainly. As I am not in thailand, if Kasikorn want to contact me, it could be a problem. However, I think as has been suggested above, it is a good idea to let Kasikorn know what I am going to do in advance and what the purpose of the transfer is for.

All comments appreciated - particularly if you have transferred from Nationwide ot Lloyds TSB to kasikorn recently.

Got to do it quick as GBP is going down... So they tell me. Wish I knew how to short GBP or USD...

Hi

In the near future I hope to be leasing or 'usufructing' some land which may have a dwelling on it. I have come across 1 or 2 providers that can set leases or usufructs up. What I would like to find out is who/what company provides these services and if you have had some experience with them ie you have received services from them, what your experience was like. If you could provide their company name, contact person and contact details, that would be very useful.

At the moment I know of 2 or 3 providers and I am tending to favour one, based upon what is written in Thai Visa. They also appear to be quite clear about what services are provided and what the cost will be. Whilst not the apparent cheapest, their reputation an attitude of the main person is very attractive.

I appreciate TV has sponsors, however the intention of this post is not to undermine their part. Nevertheless, I do hope that TV is based on openness for members to be able to discuss this as they wish. Well I certainly hope there is some discussion as my threads seem not to attract many comments recently...

Bump - any one for comments on the questions above please ?

Someone must have transferred money from the UK to Kasikorn recently...

Thanks in advance

youngkiwi - which buildings/projects you are looking at ?

Hi

Could anyone provide a sample copy of a Chanote or provide a link where I could see one ? I would also be interested in seeing the other forms of title deed (perhaps better phrased legal document) too. If you do post one, please obscure any information you don't wish to be disclosed.

I'd like to know what information is on it and se what the actual Thai headings are. I may be requesting to see these in the future and would like to know what to expect and my way around one. There is no need to translate as I can read Thai (slowly).

Thanks in advance.

Gee - I'm glad you brought this up - it does appear to be a requirements and here is some info I got from the samuiforsale website. Also, somewhere I have a copy of the actual condo act in English - it can be downloaded from a Thai Gov website - but not sure where it is at the mo. In the following text it appears that the statement :

"In order to obtain an FET form, the amount of money must be above US$ 20,000; lesser amounts require the purchaser to obtain a credit note or credit advice from the bank. " is relevant - will your Thai bank issue a credit advice or credit note for the transfer - and importantly can you specify on the transfer what the purpose of the money is... I'll be talking to my Thai bank - Kasikorn and see what they have to say.

FET form (foreign exchange transaction form)

Under the 1991 Condominium Act, non-residents who purchase condominium units must transfer the funds to pay for the unit from overseas, coming into Thailand as foreign currency. Purchasers need to obtain a Foreign Exchange Transaction 'FET' certificate for each payment from the beneficiary bank, and all these certificates must be shown to the Land department in order to register the condominium.

When the money is sent to Thailand, the purchaser needs to include in the transfer instruction that the purpose is to buy a condominium unit. Banks will only give an 'FET' certificates for amounts generally over US$ 20,000 (this amount depends on the bank). For amounts below this, purchasers must obtain a credit note or advice from the bank.

If the foreign purchaser has Permanent Residence, they can purchase the condominium in Thai Baht (no need to use FET form).

Transferring money

1 - The money must be T/T (Telex-Transferred), with a document identifying the name of the purchaser in the form of either the sender's or the receiver's name. For example:

Mr. Smith wants to buy a condominium in Thailand. He has his own account at an overseas bank to buy the condominium, he has to instruct the overseas bank to issue the document in his name as the sender of that amount to his (savings) account in Thailand, (or) it is possible for the buyer to ask a third party to transfer the money for him to buy the property by identifying himself as the receiver.

2 - The purchaser has to include the transfer instruction indicating that the purpose of this money is to buy a condominium unit.

The bank that receives money in foreign currency will issue the document (FET form) which contains the following information:

• The transferred amount in foreign currency

• The transferred amount in Thai Baht

• The name of money sender

• The name of money receiver

• The purpose of transferring

Normally in the transfer process, the purchaser has to instruct the gateway bank to identify the name of the sender to be the same as the receiver's. The Land Department will accept the name of purchaser to be either sender or receiver of the transferred money.

The amount of money must be equal or higher than the selling price declared to the Land Department. In order to obtain an FET form, the amount of money must be above US$ 20,000; lesser amounts require the purchaser to obtain a credit note or credit advice from the bank.

Remark:

If the money receiver is an individual but wants to put the unit in the name of two people, the land department will allow them to do so.

Why do we need to use an FET form?

1 - Because the Bank of Thailand needs to control the flow of foreign currency, every single baht must have a source and a reason, and the Land Department must perform in accordance with this regulation. By this restriction, every foreign buyer must transfer money from abroad.

2- Non-residents who sell the condominium and transfer the money out of country do not have to pay the remittance tax (normally the tax is around 30%).

3 - In case of transferring money out of the country, the tax-free amount is determined by the initial amount transferred.

Non-resident workers

Non-resident workers who earn a salary in Thailand can use Thai Baht to buy a condominium, but you will need to ask the bank for an account to issue a document to guarantee that this money is withdrawn from a non-residential accounts.

Can the non-residents get a mortgage?

1 - If non-residents work in Thailand and have appropriate documents (a work permit or a long-term contract), some banks in Thailand will approve a mortgage loan.

2 - Non-residents who do not work in Thailand are ineligible.

3 - Due to clause 1, non-residents must acquire an FET form.

In order to apply for a mortgage, there are a few policies, terms, and conditions among various banks and financial institutes. Generally, the maximum credit limit for foreigners is approximately 50% of appraised value, which will be evaluated by a bank as a part of the application process.

The money must be transferred from overseas in any foreign currency. This amount must not be less than the selling price because the purchaser needs to obtain a document named FET form or a credit advice for each payment from the beneficiary bank and this certificate has to be shown to the Land department in order to register the condominium.

Normally, the appraised value is lower than the selling price. If the purchaser wants to cover the selling price, the borrower must provide the remaining between selling price and mortgage loan. For example, suppose a condominium unit costs Baht 5 Million and the mortgage loan is approved at Baht 3 Million, the remaining (Baht 2 Million) may be deducted from transferred money from overseas or funds that already exist in Thai Baht.

For example:

If a Condo unit costs 5,000,000 baht the borrower needs to transfer the full 5 million from overseas and deposit the money in his/her Thai bank account until the transfer of the ownership is finished. After that, the money can be transferred back in full or can be used to pay the outstanding balance of the transaction, depending on the purchaser arrangement.

I thought the main reason for having a TT3 or ForEx Form was to be able to send the cash back out of Thailand if and when you sell the condo and you want to move the money out of Thailand

If a foreigner has made their money in Thailand surely they can still but and own a condo in their name so long as they dont fall foul of the 49% foreign ownership of the building rule...

Be interested to know which buildings/projects you are looking at...

I would like to transfer money from the UK to a Kasikorn Bank account and have been exploring options.

From research on this forum - some good advice I have heeded and taken into account are :

* Do transfer in GBP (Pounds Sterling) to the beneficiary account

* Be careful of transfers over $20000 equivilant (not transfers in USd - just the equivilent value - ie at the mo around £10000 or so. This is because a Thai witholding tax of 30% **may** be imposed)

* Find out what the correspondent banks of kasikorn are for the currency/country sending from

* Talk to the sending bank to find out intermediaries they will use

* Find out what the sending banks charges will be

* Find out what the beneficiaries (receiving) bank charges will be

There are also other issues like limits on amount of transfer, the method of making the request and ability to specify what the money is top be used for.

On Kasikorn's side here is what I found :

* To receive a transfer there is a .25% charge - with a minimum charge of 200 baht and a maximum charge of 500 baht

* Kasikorn will use their TT (Telex Transfer) Buy exchange rate for the converion from GBP to THB

* Kasikorn's correspondent banks in the UK for GBP are Lloyds TSB, Bank of America, Barclays, American Express, Standard Chartered

* I was informed by Kasikorn CS that transfers over $20000 would have the 30% witholding charge imposed unless I provide documentation of an actual property purchase.

* To do the SWIFT transfer to a Kasikorn account I need to specify the following information SWIFT code (KASI TH BK) and 13 digit account no, The name of the bank, the name of the Branch, first and last name of the beneficiary

To do the transfer from the UK I have spoken to Nationwide and Lloyds TSB. Nationwide because several TV members have mentioned using their service and Lloyds TSB as they are a correspondent bank of Kasikorn

Heres what I found out about Nationwide :

* Fee is £20

* Nationwide use HSBC as an agent to transfer the money to Thailand

* The £20 fee covers Nationwide and HSBC

* HSBC should not convert the GBP to THB, should not charge to receive or to send the money onto Kasikorn, also should not take excessively long over the transfer

* Transfer form can be submitted in branch or downloaded, completed and posted to a branch/head office in UK

Here I am concerned that I have heard of HSBC charging or doing the transfer to THB at an unfavorable rate or just taking money for some non specified reason. I have seen this on posts here over the past 2/3 years. I am not clear if it is possible to specify a purpose for the money on the transfer form.

And Lloyds TSB

* Confirmed that they are a correspondent bank of Kasikorn's and money sent would go direct

* Charge £20 for transfers below £10000, and £30 for transfers of £10000 and over

* Would take 2/3 days for money to arrive in beneficiary account

* Again not clear if it is possible to specify on the transfer what the purpose of the money is

From the above 2 options, I would tend to want to go with Lloyds TSB for amounts up to £10000, as this would be the same cost as Nationwide and seems the safer (ie not involving a 3rd party) option.

Could anyone comment on actual experience of using Nationwide, Lloyds TSB or another bank to transfer GBP from the UK to a Kasikorn THB account. I'd be particularly interested to know if HSBC have done anything funny and if a Lloyds transfer is as straigh forward as explained to me - not that I think HSBC will introduce complications, but it is an extra layer. Also, when you do a transfer, I would imagine that there would be the opportunity with any organisation to put some comments on the transfer - ie what the money is to be used for.

Thanks in advance...

PS I have just done some more research. At the moment Kasikorn bank are showing a rate of 68.3 for TT Buy

http://www.kasikornbank.com/GlobalHome/EN/..._fx/rate_fx.jsp

Interestingly they have a rate of 68.92375 for TT Sell. So that means there is approx a .6 baht spread - so the mid point is 68.6 approx.

I have just checked the visa (credit card) website and they are quoting 68.63 for transactions submitted today :

http://corporate.visa.com/pd/consumer_serv...HB&rate=0.0

So it looks like Kasikorn has a roughly .6 baht spread. I'm not sure of this is typical of Thai banks, but I am surprised at visa giving such a good rate - it is a pity I'm not in Thailand right now as I could do the swipe the Nationwide Flex Account card in the bank and deposit in the savings account trick to get a better rate than kasikorns TT Buy and save over £20 as well. Still I would prefer to transfer when GBP is stronger than I think it will be in a couple of months time. The credit, bank and housing situation in the UK is concerning me and I believe will have further negative effect on GBP in the coming months.

I'm not sure if many people know but this company provides probably the cheapest way to call Thailand and from Thailand if you have a broadband connection and the person your calling has a land line or mobile/cell/hand phone.

Theres been quite a few threads related to cheap calls on here - many people quote finerea/betamax companies as being cheapest - some of these are

12v 12voip.com

dn dialnow.com

fc freecall.com

ic internetcalls.com

jv justvoip.com

lrv lowratevoip.com

na netappel.fr

nn nonoh.net

pv poivy.com

sd sipdiscount.com

sms smsdiscount.com

sv sparvoip.de

vb voipbuster.com

vbp voipbusterpro.com

vcu voipcheap.co.uk

vc voipcheap.com

vd voipdiscount.com

vs voipstunt.com

vw voipwise.com

wcd webcalldirect.com

vt voicetrading.com

well to see what is cheapest for the destinations your interested in visit :

http://backsla.sh/betamax

apparently it is updated daily

this is good for people calling from thailand or to thailand - or to/from most other destinations

HTH

I stayed in Khon Kaen for 3 months as I wanted to get a flavour of isaan - it is quite easy and reasonably priced to get accomodation, plus there is good transport links to all other parts of isaan. To get out in to the country side i just went to the non air con bus station (bor kor saw) and took a ride in a songthiew to where ever it was going and saw some of the local villages - if you speak central thai you will get by.

Plus the University there is great and if you get to know some of the people there may open other doors - may be an idea to contact them before you go with a proposal of you work and they may want to have a collaboration on work with you toward a publication ! Its not difficult to get an article published in a conference. Plus you could also start blogging your experiences - take lots of photos and videos - would be great stuff for a website.

If you go along to some of the village schools and talk to them you may be able to give some advice to the teachers on english or even help a bit with some of the lessons (work permits aside) - this will open doors as well as you will be asked along to family meals and other events.

At Loy Kratong and Thai New Year there will be lots of entertainment - you should see morlam, morlam sing, likkae, and maybe some look thung. Plus there will be story telling.

I considered getting an apartment in KK Uni as it is a lovely campus, has alot of facilities, Thai students are very helpful, and you dont look so out of place there (they think you are a teacher or a foreign student, rather then a tourist) - but I didnt stay there - I stayed more centrally in KK. I havent been to that many places in isaan, but have to say the variety, quality and value of street food in KK is best I have experienced in Thailand.

I think most people will have a favorite place in isaan and will vouch for that. I guess best advice is to pick a place that is easier to start off with till you get the ropes then go further afield.

I beleive foreigners can own condos outright anywhere so long as the 49% ownership of the building is not exceeded - last year i was offerred 3 rooms in a Khon Kaen Uni apartment block and the owner was a foreigner who wanted to cash in - they were a bit run down but the returns were fairly good - around 8-10% pa

FYI - the condo next to Beung Kaen Nakorn looks nice but is quite cheaply furnished - also they have the plots of land next to the current single building - so depending on demand there may be a few more, over priced buildings going up.

I thought it was much better value to go for some of the new housing developments around KK, with the smallest house going for 800K and could be built to your spec. Went to have a look at one next to the airport in KK and seemed to be ok. Use a usufruct for the land and the property developer as the owner of the land and you should be ok.

You could always ask one of the apartment rental places if they want to sell a room. Not sure of the possibilities, or technicalities of this. There was a few quite nice apartments for rental in central KK I saw. As has already been pointed out there is not really that many condos in Isaan. I beleive there is more in Khorat towm and in Chaing Mai.

Best thing is to ask locally - also pick up some local newspapers and see what is being sold in the property. The local banks who deal in repos, may know of some and may have some for sale.

Please post back here is you get some useful info...

Some of the smaller asian banks in Singapore may be a good bet now - like UOB, OCBC and there are a few others. These may not have as higher charges/deposit requirements as the bigger banks (ie HSBC, Citi) and may give good rates on foreign currencies or time deposits.

Also consider Malaysia - it is not that difficult to open accounts there and the big players are there too. The charges/requirements for having an HSBC account in Malaysia is significantly less than in Thailand or Singapore (well they were for me) - and you get a free key fob number generator.

If you do some further research, please do post back here for the benefit of everyone

Stuff from the voip* people (betamax - a swiss company) has been good for some time and with voipdiscount comes out of your free time between uk and thailand and back

Now for somebody without a net connection, but with a mobile - there are some very cheap callback services - because it is cheap to call thailand and call uk - but not cheap to call out of thailand or to/from a uk mobile phone - so with a call back service it would be cheapest calling from a thai landline or mobile to a uk landline.

You'll need to search for low cost call back providers - I know they exist, but have not used them

Another interesting development is at voxalot.com - where you get a temporary local number in the 2 countries of the parties involved - sadly thailand is not included yet - and i wonder if it ever will be

Stay open source free and cheap :

try portableapps.com for

Kompozer

FileZilla

WinSCP

Firefox

& more - there is even a portable MySQL and CMS which can be used for development

Free hosting :

Freehostia.com

Cheap domain names :

1and1.com

netfirms.com

sometimes you get specials (GoDaddy seems to be king of those - but is not consistently cheap - I've moved most of my names from there) - also depends on what top level domain you want - there is quite a few to choose from now and it is growing all the time - soon .asia will be available !

And dont forget :

Google analytics

Google webmaster tools

And theres alot more too

Only the domain name will cost

Also if you have google adverts on your site and you get traffic, then you could actually start making some money out of it -

Could I suggest a site like this for cambodia - perhaps visacambodia.com or maybe cambovisa.com ?

Note to Thai Visa..................maybe open a new website? My idea first

There already is a forum website similar to Thaivisa forum http://www.cambodiaforum.com

mmmmh maybe ThaiVisa is moving geographically too - note the date of registration (sheet I would have had that name but yet again missed it by a few days)...

Whois Record

Domain Name: cambovisa.com

Registered at http://www.dynadot.com

Registrant:

Thailand Expat Forum c/o Dynadot Privacy

PO Box 1072

Belmont, CA 94002

US

Administrative Contact:

Thailand Expat Forum c/o Dynadot Privacy

PO Box 1072

Belmont, CA 94002

US

Whois Privacy and Spam Prevention by DomainTools.com

1-650-585-1961

Technical Contact:

Thailand Expat Forum c/o Dynadot Privacy

PO Box 1072

Belmont, CA 94002

US

Whois Privacy and Spam Prevention by DomainTools.com

1-650-585-1961

Record expires on 2009/08/01 UTC

Record created on 2007/08/01 UTC

Domain servers in listed order:

ns1.webwebhost.com

ns2.webwebhost.com

I guess it depends on your understanding of the meaning of pride.

I student of mine dated Thai royalty at a UK university. He was proud of her looks and status. Still I knew alot more about this guys history and personality than she did at the time.

But in the UK when your a fairly decent looking fella walking around with an asian girl the british girls give you and your girl a really nasty look, young and old. Fortunately, my girl doesnt tune into that cr4p.

Am I proud - quietly yes - but it could all change so quickly regardless of where she is from... such is life

But it depends on how she sees you, treats you and looks after you - amongst many other things that make and break relationships of any nationality - not to mention how you reciprocate

Just been to Waitrose (UK Supermarket) and they have an offer on Beer Sing (Singha) big bottles, where for £2.39 you get 2 bottles - so this is effectively £1.20 a bottle.

Best price I have seen beer sing in the UK ever !

Stock up and cheers - nows the time the UK is closest to Thailand as it gets - now you can drink to that too.

Just need some great food for 50p - mmmh Thailands still cheaper even with the strong baht !

Well enjoy the sings while you can get them !

Chok dii na

From Komtar you ask the locals waiting or one of the people on the bus for jalan burma heading toward midlands/one stop/pulau tikus - you need to get off midlands/one stop. I beleive the road you need to walk along is at a very small cross roads, where where there are old shop houses, a bycycle shop, a maybank, a japanese restaurant - and a disused building - then if you know the name of the road that you need to walk along to get to the Thai Consulate aks for this on the bus. Buses in Penang go when they have enough people on them - the older and cheaper buses have no aircon - so a long wait at the bottom of Komtar can be a warming experience. However, the aircon minibuses are a bit better. When I was there last year, all the buses were in a bad state and worse than the oldest little green Mercedes buses running around bangkok.

The walk from Jalan Burma is quite a way and will take maybe 20-30 mins to the Consulate.

Going along Jalan Burma and getting off may not be the best option. There may be some better buses that go along the road to the botanical gardens that would be alot better and closer - fraid i dont know what they are as i have never doe that route - i just know travelling along jalan burma.

Hope this helps..

Its not phishing or any other sort of a scam - twas a message received via secure messaging after logging on - any body with bualuang ibanking should of received this i guess - being in english it doesnt go into too much detail and the response to my query was equally cryptic. There must be a thai version somewhere, but I dont have the time now to translate it...