Wake up Guys ! sooner or later Thai Immigration will ask retirees for a copy of their Thai Tax return and/or their Bank Books in order to grant a long stay visa. . Unfortunately, many farangs are in denial and will do nothing to negate the effect of these laws which are in effect the same as in countries like the UK and USA where you usually have to declare money that arrives in your bank account from overseas. But of course, there will be many legal loopholes and solutions. Thais, ie spouses, do not usually pay tax on gifts or on money they receive as loans but go see a really good accountant who understands Thai Tax laws before it's too late.