Financial Planning

Financial Planning is about devising and preparing strategies to achieve your financial goals. It is an interactive and ongoing process shaped around your financial life cycle needs, for example, your children's education, buying your dream home, supporting your ageing parents and preparing for your retirement. Financial Planning can be divided into 3 areas:

Personal Risk Protection

Should the unfortunate happen such as, being struck by a major illness, disability, total permanent disability or death, what will happen to you and your family? Are you well protected against the unpredictability of life? When misfortunes happen, they can result in huge expenses incurred for hospitalisation, medication and often the situation is aggravated by the loss of personal income.
Personal risk protection is a vital element in financial planning. It looks into protecting you, and minimising erosion of your net worth and protecting your family from the consequences of those events.

Asset Accumulation

Have you ever thought of what you want in future? At what age do you think you would like to give up your career, retire and lead an easy life? What would you particularly like your lifestyle to be when you retire? Or perhaps you might want to think of the changes you would like to see in the next five to ten years? If you have children, the cost of their university education must surely be a cause of concern.
Asset Accumulation helps to provide for your future cash needs or prepare for your retirement by means of building your wealth through investments.

Asset Distribution

There are certain decisions in your life that are vital and which you have to make in advance of your death. Such decisions could involve the maintenance, disposal and use of your estate, cash, investments, business possessions and life insurance.
Asset Distribution assures that your estate is distributed efficiently according to your desires.
A comprehensive financial plan includes Cash Flow Planning, Personal Risk Management, Investment Management, Retirement Planning, Tax and Estate Planning. A change or more in any of these areas may affect you in achieving your financial goals.

As you can see, financial planning is a tedious process. You might prefer to start with your financial plan based on specific needs first and gradually build it to a comprehensive financial plan. The main focus of your financial plan should be setting realistic financial goals and objectives and achieving them.

Ratchada - The Scene

Ratchadaphisek Road

The Ratchadaphisek Rd. from the intersection with Rama IX Rd. to Sutthisan Rd.has many interesting entertainment facilities, hotels, restaurants, discotheques, karaoke lounges, and massage parlours.
Starting from the Ratchada-Rama IX intersection, on the left there are new Cleopatra (or Click here)and the Amsterdam massages. On the right, there are Uthopia massage and two discotheques. The new entertainment complex called "Siam Niramit" has just been opened recently.Four shopping centers are located within walkingdistances. They are : Lotus, Siam Jusco,Carrefour and Robinson. On this road there areat least 8 hotels and several massage parlours.
Note that the entertainments around this road are different from Patpong, Soi Cowboy, and Na Na Plaza.
Attractions :Discotheques :Sparks Hollywood Dance Fever
:KaraokeMassage Palours :Caesars Copa Cabana Emmanuelle Nataree New Cleopatra Poseidon Uthopia
Shopping Centers :Robinson Carrefour Siam Jusco Lotus

Thailand-LOS

Fact At a Glance

The kingdom of Thailand lies in the heart of Southeast Asia, making it a natural gateway to Indochina, Myanmar and Southern China. Its shape and geography divide into four natural regions : the mountains and forests of the North; the vast rice fields of the Central Plains; the semi-arid farm lands of the Northeast plateau; and the tropical islands and long coastline of the peninsula South.
The country comprises 76 provinces that are further divided into districts, sub-districts and villages. Bangkok is the capital city and centre of political, commercial, industrial and cultural activities. It is also the seat of Thailand's revered Royal Family, with His Majesty the King recognised as Head of State, Head of the Armed Forces, Upholder of the Buddhist religion and Upholder of all religions.
Thailand is a constitutional monarchy with His Majesty King Bhumibol Adulyadej, or King Rama IX, the ninth king of the Chakri Dynasty, the present king. The King has reigned for more than half a century, making him the longest reigning Thai monarch. Thailand embraces a rich diversity of cultures and traditions. With its proud history, tropical climate and renowned hospitality, the Kingdom is a never-ending source of fascination and pleasure for international visitors.

Topography: Thailand is divided into 4 natural regions:
The mountainous North, with its profusion of multi-coloured orchids, fascinating native handicrafts and winter temperatures are sufficiently cool to permit cultivation of temperate fruits such as strawberries and peaches;

The high Northeast Plateau, which still jealously guards its many archaeological and anthropological mysteries;

The Central Plain, one of the world's most fertile rice and fruit-growing areas with colourful traditional culture and way of life as well as the sandy beaches of the East Coast and vibrant cosmopolitan Bangkok;

The peninsular South where the unspoiled beaches and idyllic islands complement economically vital tin mining, rubber cultivation and fishing.

Population: Thais are well-known for their friendliness and hospitality. A large majority of over 62 million citizens of Thailand are ethic Thai, along with strong communities whose ethnic origins lie in China, India and elsewhere. About 7 million people reside in the capital city of Bangkok.

People: Thai (80%), Chinese (10%), Malay (3%), and the rest are minorities (Mons, Khmers, hill tribes) Ethnic Thais form the majority, though the area has historically been a migratory crossroads, and has thus produced a degree of ethnic diversity. Integration is such, however, that culturally and socially there is enormous unity.

Language: Spoken and written Thai is largely incomprehensible to the casual visitor. However, English is widely understood, particularly in Bangkok where it is almost the major commercial language. English and some European Languages are spoken in most hotels, shops and restaurants in major tourist destinations, and Thai-English road and street signs are found nationwide.