Bangkok July/August 2021

JULY / AUGUST 2021
FREE
COPY
TM
BANGKOK
BUSINESS
BANGKOK RESIDENTS
DRIVE DEMAND IN RESORT
PROPERTY MARKETS
Cover Story Overleaf
INSIDE THIS ISSUE:
- No Matter Your Age, It’s Never Too Late to Get Started
- Just The Statistics
- Asian Medical Students Celebrate
Securing US Residency
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Cover Story
BANGKOK RESIDENTS DRIVE DEMAND
IN RESORT PROPERTY MARKETS
Real estate agents based in
Thailand’s resort areas are seeing
soaring interest from the domestic
market, particularly from buyers
based in Bangkok.
This is in sharp contrast to
pre-pandemic times when resort
markets were mainly of interest
to, and geared up towards, foreign
buyers.
Domestic demand has been
fuelled by a drive to retreat from
city life to something closer to nature,
whether it is a seaside or a
country setting. In addition, workfrom-home
changes that could
well be here to stay are providing
Bangkokians with a wider choice of
places to relocate to.
Co-founder and chief executive
of the Thai property portal FazWaz,
Brennan Campbell, was quoted as
saying, “By tracking the data from
the second quarter of 2020 to mid-
2021 on buying motivation of either
a holiday home or for investment
purposes, we can see a change
in behavior towards lifestyle purchases
in Phuket, Koh Samui and
Pattaya, with the sharpest uptick
being Hua Hin,” adding, “The impact
of the pandemic is going to
have a lasting impact on what
drives Thais to purchase property
and there is one thing for certain:
the times are changing fast, and
people are moving out of the city at
a pace we have not seen before.”
Along with a change in buyers
is a change in property requirements.
Whilst the condo market
was a favorite for foreigners due to
a relatively low outlay and, crucially,
ease of ownership, Thai buyers
are seeking out larger properties
for family living.
Boon Yongsakul, the chairman
of Boat Pattana, which owns the
Shambala luxury pool villa project
at Phuket’s Bangtao Beach,
remarked that the company had
foreign buyers in its sights before
the pandemic. “But by the middle of
last year, we saw a strong influx of
Bangkok buyers and this has continued
to drive sales momentum to
date,” he was quoted as saying,
adding, “One of the most notable
characteristics among Thai buyers
that has changed is the desire
for resort living, quality of life and
outdoor areas. If you look back
five years, island real estate was
focused on investment-type condominiums,
but today it’s single-family
homes or second residences.”
Managing director of the consulting
group C9 Hotelworks, Bill Barnett,
remarked that pollution in major
cities is a factor that is making people
consider a residence at a resort
location. He was quoted as saying,
“Another is the pandemic ‘Zoom
factor’ that has created what we expect
to be a longer-lasting trend of
working from home,” adding, “Real
estate developers are now facing
changing consumer tastes for flexible
specs and recreational areas.”
The marked increase in demand
has come as a welcome respite for
real estate developers in resort areas,
since foreign buyers have all
but disappeared, at least for now.
Tjeert Kwant, chief executive of
Banyan Residences noted a rise in
Bangkokians looking to escape the
city to enjoy outdoor activities as
part of a healthier lifestyle. He was
quoted as saying, “This for us has
been the key driver with families
and couples looking for spacious
second homes outside of Bangkok.”

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“Bits n Bytes”
STEVE DICKENS
DATA BREACHES – AND
WHAT THEY ENTAIL
Data breaches can be far more
than a temporary terror —anyone can
experience huge complications from
having sensitive information exposed.
Whether you are offline or online,
hackers can get to you through the
internet, Bluetooth, text messages, or
the online services that you use.
Without proper attention to detail,
a small vulnerability can cause a massive
data breach.
Since many people are unaware of
how common modern security threats
work, they don’t give it enough attention.
Lets explain data breaches and
how they can impact you.
What is a Data
Breach?
A data breach exposes confidential,
sensitive, or protected information
to an unauthorized person. The
files in a data breach are viewed and/
or shared without permission.
Anyone can be at risk of a
data breach — from individuals to
high-level enterprises and governments.
More importantly, anyone can
put others at risk if they are not protected.
In general, data breaches happen
due to weaknesses in:
• Technology
• User behavior
As our computers and mobile devices
get more connective features,
there are more places for data to slip
through. New technologies are being
created faster than we can protect
them.
How do Data
Breaches happen?
The assumption is that a data
breach is caused by an outside hacker,
but that's not always true.
Reasons for how data breaches
happen might sometimes be traced
back to intentional attacks. However,
it can just as easily result from a simple
oversight by individuals or flaws in
a company’s infrastructure.
Here’s how a data
breach can occur:
• An Accidental Insider. An
example would be an employee
using a co-worker's
computer and reading
files without
having the proper
authorization
permissions.
The access
is unintentional,
and
no information
is shared.
However, because
it was viewed by an
unauthorized person, the data is considered
breached.
• A Malicious Insider. This person
purposely accesses and/or shares
data with the intent of causing harm
to an individual or company. The malicious
insider may have legitimate
authorization to use the data, but the
intent is to use the information in nefarious
ways.
• Lost or Stolen Devices. An unencrypted
and unlocked laptop or
external hard drive — anything that
contains sensitive information — goes
missing.
• Malicious Outside Criminals.
These are hackers who use various
attack vectors to gather information
from a network or an individual.
• Malicious Methods used to
Breach Data
Since malicious data breaches
result from cyberattacks, you should
know what to watch for.
Here are some
popular methods
used by hackers
• Phishing
• Brute Force Attacks
• Malware
Phishing. These social engineering
attacks are designed
to fool you into causing a data
breach. Phishing attackers
pose as people or organizations
you trust to
easily deceive you.
Criminals of this
nature try to
coax you into
handing over
access to
sensitive data or
provide the data itself.
Brute force attacks
work through all the possibilities for
your password until they guess correctly.
These attacks take some time
but have become rapid as computer
speeds continue to improve. Hackers
even hijack other devices like yours
via malware infections to speed up
the process. If your password is
weak, it might only take a few seconds
to crack it.
Malware. Your device’s operating
system, software, hardware, or the
network and servers you’re connected
to can have security flaws. These
gaps in protection are sought out
by criminals as the perfect place to
shove malware into. Spyware specifically
is ideal for stealing private data
while being completely undetected.
You might not find this infection until
it’s too late.
How to prevent
being a Data
Breach victim
Data breach prevention needs to
include everyone at all levels — from
end-users to IT personnel, and all
people in between.
Here are a few best practices
to avoid a data breach
• Patching and updating software as
soon as options are available.
• High-grade encryption for sensitive
data.
• Upgrading devices when the software
is no longer supported by the
manufacturer.
• Adopt effective tools to secure your
data, such as using a business-grade
VPN service and antivirus protection.
• Enforcing strong authentication
techniques such as password managers
to help secure access to your
data.
• Use a quality anti-malware software
Steve Dickens
has worked in managerial and consultancy roles
for over 40 years with international technology
companies,15 of which have been here in
Thailand He can be contacted at
stevedickens@hotmail.com

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THAILAND BUSINESS NEWS
HIGHER EXPORT
GROWTH RATES
PREDICTED
Thailand’s exports grew at their
highest rate in over 11 years to reach
a year-on-year level of 43.8 per cent,
although a low base effect exaggerated
the numbers somewhat.
Still, even so, the rate was ahead of
forecasts and has lead to a rise in future
expectations.
Despite the latest wave of Covid,
experts at Krungsri Research, a unit under
the Bank of Ayudhya, are increasing
their outlook for export growth rates
from 9 per cent to 13.5 per cent going
forward.
This increase will help to boost the
Kingdom’s GDP by 0.6 per cent partly
offsetting the GDP reduction that has
occurred due to a lack of tourism and
other factors.
Some risks remain and these comprise
potential labor shortages due to
the Delta variant as well as container
and vessel shortages at shipping ports.
TRUE UNVEILS NEW
CONTENT PLAN
Mobile operator and content provider
True Group has introduced a new
content package that will be offered at
a budget price. Combining elements of
TrueVisions Now Lite and TrueID+, the
new service will start at just 49 baht per
month on the True ID app.
The company aims to tap into the
fast growing streaming market, which is
expected to surpass 3 million subscribers
by 2023.
The managing director of True Digital
& Media Platform
and Online
Station of True Digital
Group, Torboon Puangmaha,
was quoted as saying,
"The pandemic has caused
Thais to increase the amount of time
viewing entertainment content from two
hours a day on True ID before Covid-19
to three to four hours now as they need
to relax after working remotely or learning
online.”
Streaming demand is now occurring
throughout the day and users are demanding
more choice of content.
Torboon Puangmaha was also quoted
as saying, "We need to act fast and
capitalize on artificial intelligence [AI] to
provide better personalized experiences
to users,” adding, "This price reduction
is meant to make customers happy despite
the economic woes.”

FOREIGN ONLINE BUSINESSES
REGISTER FOR VAT
With the September 1st enforcement date
of the e-service tax law in Thailand looming,
more than 20 large foreign internet businesses
have already registered for VAT.
This is in keeping with the requirement
that foreign online businesses that have
an annual income of above 1.8 million baht
pay 7 per cent VAT in Thailand. The types
of businesses that fall under the umbrella
includes those offering downloads such as
games and game related add-ons, movies,
music, advertising, brokerage services and
even chat apps offering stickers etc.
An online portal has been launched to
facilitate the early registration of VAT. Any
company that meets the criteria can easily
register in advance of the commencement
date. The portal has helped to foster co-operation
from businesses that are liable for
VAT.
E-service taxes have been introduced to
increase revenue and also to ensure a fair
playing field for all online businesses.
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BUSINESS SUPPLEMENT
FOREIGN CURRENCY UPDATE
THE U.S. DOLLAR
The U.S. Dollar has been on a tear
recently. The DXY Dollar index
that measures the Dollar’s value
against a basket of major currencies,
moved from 89.87 to reach a
high of 92.98 before pairing back to
92.42. The Federal Reserve chairman
took a slightly hawkish tone
but rolled back that sentiment soon
after, yet Dollar strength remained.
The rate on the U.S. 10-year note
confounded many traders as it
slumped from above 1.50 per cent
to 1.13 per cent before rebounding
to 1.26 per cent. Against the
Thai Baht, the U.S. Dollar
strength compounded
a move
that was
already underpinned by
continuing weakness in
the baht.
The USDTHB exchange rate rose
from 31.32 to 32.87 a move of
nearly five per cent.
THE BRITISH POUND
Owing to dovish sentiment from
the Bank of England, the British
Pound was unable to hold on to
recent highs at above 1.4200 to
the US Dollar and slipped back
to 1.3670 before rebounding to
1.3889. The weakness may be
fleeting given that it is largely driven
by US Dollar strength. Against
the Thai Baht, the British Pound
gained ground, rising from 43.41
to 45.64, indicating that the Thai
Baht has weakened.
THE JAPANESE YEN
The Japanese Yen has weakened
in line with recent USD
strength but has remained
relatively steady, hugging
the 110.00
mark for most
of the period,
with just a
brief blip
up to
There has been little in the way
of safe haven Yen trades with
U.S. stock markets still making
almost daily record highs of late.
Against the Thai Baht the Yen
strengthened from 0.2844 to
0.2965.
THE RUSSIAN RUBLE
The Russian Ruble has been
remarkably quiet against the US
Dollar moving from 73.17 down
to 71.74 before rebounding back
to 73.43. The uncharacteristic
lack of volatility may portend a
strong move in either direction
in the not too distant future.
Against the Thai Baht the Ruble
gained quite a bit of ground,
moving from 0.4272 to 0.4476.
THE EURO
The Euro weakened against the
US Dollar moving from a high of
1.2249 down to 1.1825 in chop
py fashion, as ECB policy
was considered dovish by markets.
The Euro, as one of the
largest components of the basket
of currencies that make up
the DXY Dollar Index, bore the
brunt of selling pressure. Unlike
the British Pound there seems
to be little in the way of even
a modest recovery, however if
Dollar strength starts to wane
then the Euro will likely be the
biggest beneficiary. Against the
Thai Baht, the Euro actually rose
from 38.11 to 38.79 showing that
whilst the Euro weakened by
quite a large margin, the Thai
Baht weakened even more.
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T: 038-411-009 (TH/EN)
M: 084-677-4360 (EN)
E: hightowerpattaya@gmail.com
livingmall
BANGKOK
M: 084 599 7315 (EN / TH)
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IN THE FIRST SIX MONTHS,
PORSCHE DELIVERS 31
PERCENT MORE VEHICLES
New delivery record for the first halfyear:
Porsche delivered 153,656 vehicles
worldwide, representing an increase of 31
percent compared to the previous year.
The significant demand growth spanned
all model series and global sales regions.
The most successful model was the
Cayenne with 44,050 units delivered -
twelve percent more than last year. The
Macan is at second place with 43,618
customers taking delivery in the first halfyear
- an increase of 27 percent. The
all-electric Taycan celebrates a special
success: with 19,822 vehicle deliveries, it
is just under the level of 2020 as a whole
at the end of the half-year. By this, the latest
member of the model range is on a
par with the sports car icon, the 911, with
deliveries of 20,611 and an increase of 22
percent. The 718 Boxster and 718 Cayman
models saw 11,922 units delivered
to customers (plus 33 percent). For the
Panamera, it was 13,633 vehicles - an
increase of six percent.
"We are extremely delighted with
the high level of demand for our sports
cars - the increase in deliveries in the
first half of the year is above that of the
overall market," says Detlev von Platen,
Member of the Executive Board for Sales
and Marketing at Porsche AG. "The rate
of electrification is growing in all regions.
This development confirms the path that
we have taken with our drive strategy. In
Europe, around 40 per cent of the cars
currently being delivered have an electric
motor - whether they're a purely electric
vehicle or a plug-in hybrid. Our highest
priority continues to be to fulfil our customers'
dreams."
Huge increase across all sales regions
The United States achieved particularly
strong growth within the markets
with an increase of 50 percent: 36,326
vehicles were delivered there. China
remains the largest single market with
48,654 customers taking delivery of their
Porsche in the first half of the year. Despite
a comparatively strong base in the
previous year, the sports car manufacturer
achieved an increase of 23 percent.
The demand for two-door sports cars in
particular has recently grown significantly
in China. A total of 2,324 units of the
911 were delivered between January and
June, 83 percent more than in the previous
year.
The deliveries in Asia-Pacific, Africa
and the Middle East increased by a quarter
overall: 69,198 sports cars were delivered
to customers there.
The Porsche Asia Pacific markets
specifically achieved 87 percent growth,
making it a record performance in the
first half of the year for the sales region.
Notably strong progress was made on
the electric mobility front, as 47 percent
of all units delivered were fully electric or
plug-in hybrid vehicles. Additionally, 70
per cent of customers who took ownership
of the all-electric Taycan were new
to Porsche, a compelling testament that
the initiatives introduced to accelerate in
the age of electric mobility are gaining
traction.
In Europe, Porsche also recorded
an increase of 25 percent with 40,435
units delivered. In Germany, growth of
22 percent was realised - 13,094 vehicles
were delivered here in the first six
months of the year.
"After an intensive first half year in
2021, we can report a very positive result,"
says Detlev von Platen. "Our order
books are full. At the same time, we are
aware of the uncertainties caused by
the Corona pandemic and the semiconductor
supply situation. We are continuing
to keep a close eye on the overall
situation while maintaining our optimistic
stance."
About Porsche Asia
Pacific Pte Ltd
Porsche Asia Pacific Pte Ltd is a
subsidiary of Dr. Ing. h.c. F. Porsche
AG, the leading sports car manufacturer
based in Stuttgart. Best known
for the 911 model line, Porsche also
produces the Cayenne, Macan, Panamera,
718 Boxster and 718 Cayman
models. In 2019, it introduced the
Taycan, the first fully-electric sports
car.
Porsche Asia Pacific commenced
operations on 1 October 2001 and
currently oversees 13 countries from
its headquarters in Singapore: Brunei,
Cambodia, French Polynesia,
Indonesia, Malaysia, Mongolia, New
Caledonia, New Zealand, the Philippines,
Singapore, Sri Lanka, Thailand
and Vietnam. As a market incubator,
it offers support to its importers and
dealers in After Sales, Business Development,
Marketing, New Business
Fields, Public Relations and Sales,
helping them to further professionalise
operations, cater to customer
needs to ultimately grow their busi-

BUSINESS SUPPLEMENT
Email: ben.hightowerltd@gmail.com
www.Thailand-Business-Supplement.com

Sukhumvit Area

Khlong Bang Phai
Talad Bang Yai
Sam Yaek Bang Yai
BTS/MRT
in Bangkok
P15
P14
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P10
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Bang Wa
Phetkasem 48
Phasi Charoen
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GETTING
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BANGKOK
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MRT Tickets
MRT Single Journey Token
Bangkok MRT Single Journey Token
Single Journey Token is an electronic plastic chip that all single-journey passengers have to touch it on the top surface of the
entry gate and drop out to the slot of the exit gate when departing. Rates depend on the distance of starting and ending stations.
MRT PLUS / MANGMOOM Cards – Adult
● Mangmoom Card - Adult
- Mangmoom: The minimum value for the first issue is
150 baht (100 baht travel value + 50 baht card deposit). No
issuing fee.
- Can be added value 100 THB/Time at ticket offices.
● MRT PLUS – Child
- For a child under 14 years old and 91-120 cm tall.
- MRT Plus: The minimum value for the first issue is 180
baht (100 baht travel value + 50 baht card deposit + 30 baht
issuing fee).
- ID Card must be presented when required.
- Can be added value at least 100 THB at ticket Vendor.
- Each top-up must be at least 100 baht and the total value
must not exceed 2,000 baht.
- Can be issued at Purple Line ticket offices.
- Can be used at all stations of Blue and Purple lines.
- Can be used for car parking at Purple Line Parking Building
- Can be refunded (except a card is lost).
BTS Tickets
● MRT PLUS - Adult
- MRT Plus: The minimum value for the first
issue is 180 baht (100 baht travel value + 50 baht
card deposit + 30 baht issuing fee).
- Can be added value at least 100 THB at ticket Vendor.
- For an adult aged 24 – 59 years old.
- Each top-up must be at least 100 baht and the total value
must not exceed 2,000 baht.
- Can be issued at Purple Line ticket offices.
- Can be used at all stations of Blue and Purple lines.
- Can be used for car parking at Purple Line Parking Building
- Can be refunded (except a card is lost).
MRT PLUS / MANGMOOM Cards – Student
● MRT PLUS - Student
- MRT Plus: The minimum value for the first issue is 180
baht (100 baht travel value + 50 baht card deposit + 30 baht
issuing fee).
- Can be added value at least 100 THB at ticket Vendor.
MRT PLUS / MANGMOOM Cards – Senior
● MRT PLUS - Senior
- MRT Plus: The minimum value for the first issue is 180
baht (100 baht travel value + 50 baht card deposit + 30 baht
issuing fee).
- Can be added value at least 100 THB at ticket Vendor.
● Mangmoom Card- Student
- Mangmoom: The minimum value for the first issue is
150 baht (100 baht travel value + 50 baht card deposit). No
issuing fee.
- Can be added value 100 THB/Time at ticket offices.
- For a student age not over 23 years old.
- ID Card or Student Card must be presented when required.
- Each top-up must be at least 100 baht and the total value
must not exceed 2,000 baht.
- Can be issued at Purple Line ticket offices.
- Can be used at all stations of Blue and Purple lines.
- Can be used for car parking at Purple Line Parking Building
- Can be refunded (except a card is lost).
● Mangmoom Card - Senior
- Mangmoom: The minimum value for the first issue is
150 baht (100 baht travel value + 50 baht card deposit). No
issuing fee.
- Can be added value 100 THB/Time at ticket offices.
- For a senior aged 60 years old up.
- ID Card must be presented when required.
- Each top-up must be at least 100 baht and the total value
must not exceed 2,000 baht.
- Can be issued at Purple Line ticket offices.
- Can be used at all stations of Blue and Purple lines.
- Can be used for car parking at Purple Line Parking Building
- Can be refunded (except a card is lost).
STANDARD RABBIT CARD
There are three kinds of Standard Rabbit Card, namely Adult, Student and Senior,
● Standard Rabbit Card are available for sales at all BTS Ticket Offices.
● Standard Rabbit Card can be obtained for 200 Baht, which include 100 Baht issuing fees and 100 Baht
initial stored values.
● There is no annual fees for Standard Rabbit Card.
● Subject to the rules and regulations of BTS, Student Rabbit Card and Senior Rabbit Card will enjoy
special fare discounts and promotions when travelling on BTS.
● Student Rabbit Card may only be used by current full-time students, aged not over 23 years, a valid ID
may be requested on purchase and/or usages.
● Senior Rabbit Card may only be used by Thai Senior Citizens aged 60 years and over, a valid ID may be
requested on purchase and/or usages.
STANDARD RABBIT CARD FOR ADVERTISING
● Standard Rabbit Card for Advertising is a normal Rabbit card with special printed graphics specificity
designed for our business partner to promote their company or product through the front of a Rabbit card
within a certain period of time.
● Standard Rabbit Card for Advertising will be available for sales at all BTS Ticket Offices.
SPECIAL RABBIT CARD
● Special Rabbit Card is a limited edition that is issued and sold by Bangkok Smartcard System Company
Limited.
● Special Rabbit Card can be issued to celebrate special occasions, or as souvenirs or collectable items.
● Special Rabbit Card can be provided in various form factors such as cards, other products and devices.
CORPORATE RABBIT CARD
● For companies that wish to issue their own Rabbit card with customized graphics.
CO-BRANDED RABBIT CARD
● Issued by financial institutions or corporations that wish to add standard Rabbit card functionalities into
credit cards, debit cards, or other card types or devices.

BUILD YOUR EMAIL
MARKETING LISTS TO
EXPLODE YOUR REACH
There are many people who
will tell you that email marketing is
dead and many people who will tell
you it’s the way they make most of
their sales.
Only you can decide if email
marketing is right for you and your
business. The best way to find out
is to start building a list and send
out some newsletters and marketing
emails and measure the response.
First of all you need to sign
up to an email marketing platform
such as Mailchimp. This platform is
free for up to 2000 email addresses
but you must have a domain based
email address not hotmail or gmail.
As long as you have an email
address on your own domain then
you are good to go!
Once you have signed up,
Mailchimp is pretty easy to navigate
and start building your lists.
It’s important that you get permission
from whoever you intend
to send mail to as if you get too
many unsubscribes in your mailing
campaigns then your mailchimp
account can get suspended. The
worst case scenario is that your
entire domain could be blacklisted
meaning that your emails always
end up in spam. For this reason,
many people recommend to buy
a separate domain just for email
marketing which is closely related
to your main domain. Example
mydomain.com and mydomain.net
You should also avoid buying
email lists as they can contain
old email addresses which are no
longer active and a high number
of bounced emails in your marketing
campaign can also result in a
banned account.
you should be) you can use Bloom
plugin which adds a sign up for our
newsletter form to your website
and connects to your mailchimp
account.
You may wish to incentivise
people to join your list by giving
away something for free in return
for their email address. In order to
remain compliant with GDPR and
other regulations then you should
also provide a check box for them
to subscribe for additional emails.
Most people will usually subscribe.
You can also encourage people
to sign up to your mailing list by leveraging
email only special deals.
If people know that not signing up
is going to cost them money then
you can rest assured that your ‘new
signup list’ is going to be full everyday.
If you sell many products you
can give your customers the choice
to just receive emails about products
they may be interested in as
opposed to your entire product catalogue.
When it’s done correctly, email
marketing can be a great way to expand
your reach. If you need help
with an email marketing campaign
please contact sales@pdsconsultingsolutions.com
So, what is the right
way to do it?
The first thing
to do is to add an
optin plugin to
your website. If
you use Wordpress
(which
Gemma Purnell
+66 33 039 399
gemmapurnell.com
gemma@gemmapurnell.com

JUST THE STATISTICS
While bar charts, line graphs and
simple numbers are hardly capable of
providing the defining answer to many
economic, social and political questions,
they are certainly a good way
of obtaining a general overview of any
particular subject.
Each month the Business Supplement
will look into a brace of statistical
information and provide readers
with what we consider to be the central
elements of these figures.
MOST POPULAR
INSTANT
MESSAGING
CHAT APPS
IN THAILAND
Line is by far the most popular instant
messaging app in Thailand. Hailing
from Japan, its popularity appears
to have stemmed from the fact that the
developers took emojis to another level
by allowing users to add much larger
and more colorful full-featured ‘stickers’
to their conversations instead of just
the small and lifeless emojis that were
pre-existing at the time. This small advantage
lead to early adoption and this
in turn lead to viral growth. Other features
include ease of installation, ease
of finding friends by username, phone
number or QR code, ease of making
voice and video calls, the ability to join
group chats, and the growth of ecommerce
options.
In second place is Facebook Messenger
and this is just a testament as
to how popular Facebook is in the Kingdom.
Bangkok has one of the highest
concentrations of Facebook users in the
world. Facebook Messenger is seen
as an easy way to chat, though many
people who use it also have Line too.
In third place is Whatsapp Messenger,
also owned by Facebook. One of
the reasons for its popularity in Thailand
is that it is used in many western countries
especially in Europe and so many
Thais use Whatsapp initially to communicate
to their overseas friends. Other
features include end-to-end encryption
and good quality voice and video calls.
Other popular chat apps include
Instagram direct messaging, Viber,
WeChat, and Telegram, but due to the
dominance of the top three, they make
up a small part of the market, even
when combined.
LEADING FOOD
DELIVERY
SERVICES IN
THAILAND
Thailand’s food delivery services
have gained popularity since the pandemic
started, but were already
on a good footing some years
before.
The food delivery service
with the largest market share
in Thailand is Grab Food. According
to a 2020 report, they
have a 50 per cent market share and
over 150,000 riders, serving over 20,000
restaurants in 16 major provinces, including
Bangkok, Chiang Mai, Pattaya,
Hua Hin, Phuket, Udon Thani and others.
Launched in 2018 growth has been
spectacular, and you would be hard
pressed not to see a Grab driver on the
streets or in a take away restaurant. Prices
are lean and service is quick due to
the number of drivers. Payment methods
include cash and Rabbit Line Pay.
In second place with a 23 per cent
market share is Food Panda. Although
it has a smaller number of riders than
Grab, at around 5,000, it operates in 37
Thai cities and is popular as people can
use debit cards as well as cash. It also
features a lot of special offers and serves
more than 2,000 restaurants. It was established
in 2012.
Lineman, in third place with a 20
per cent market share, has been very
aggressive of late with deep discount
marketing. It serves 100,000 restaurants
in Bangkok, Ayutthaya, Chiang Mai and
Pattaya. Ease of use of the app and good
communication about orders en route are
popular with users.
Gojek is in 4th place with a 7 per cent
market share and this may be due to the
fact that they are a more recent entrant
to the Thai market, commencing in 2019,
(previously called Get). They also only
operate in Bangkok. However the order
process is simple and communication is
considered to be good. They reportedly
can connect users with up to 100,000
restaurants and have 20,000 riders, so if
you are in Bangkok you may find yourself
well taken care of.
Of course major fast food outlets
such as McDonalds, Burger King, Pizza
Hut, Chester’s, KFC and others all have
their own hotlines, but you can still use
the above four services for them too.
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FITNESS & YOU
- THE KEY TO A BETTER LIFE -
NO MATTER YOUR AGE,
IT’S NEVER TOO LATE TO GET STARTED
A few years ago a group of
fitness researchers in both Canada
and Sweden conducted a
series of experiments involving
combined weight training and
aerobic exercise, and what they
found basically overturned previous
accepted theories about doing
weights and aerobics at the
same time.
For years the general theory
among those involved in the
fitness industry was that training
should be separated, that is,
weights should be done on one
day and aerobic exercise should
be done on a different day.
The theory was that doing
weights and aerobics on the same
day would lead to some kind
of muscle confusion and therefore
an ‘antagonism’ between
them. So, anyone who went for
a five-kilometre run in the morning
shouldn’t then come back and
start pushing iron, or vice versa.
This is not because doing both
would do any damage as such,
but because the benefits of doing
them separately would be better
than doing them combined.
In fact, there was very little
evidence for this theory, so the
Swedish and Canadian studies
were of great use in actually debunking
this long-held theory.
Without going into the specifics
of the testing by the research
scientists, the bottom line was
that neither study saw any evidence
of the expected muscle
‘confusion’ from combining a
weight and aerobic protocol.
The Karolinska Institute in
Sweden stated, ‘It appears concurrent
aerobic and resistance
exercise may enhance the skeletal
muscle anabolic environment.’
They concluded that resistance
training and aerobic activity ‘can
successfully be scheduled on the
same day without compromising
performance…’
The Canadians, at McMaster
University, suggested ‘that concurrent
training is as effective
as either isolated mode in stimulating
acute myofibrillar and
mitochondrial protein synthesis
rates…’
In plainer English, endurance
is built on mitochondria pathways
while strength is generated
by myofibrils. So the Canadians
were saying both strength and
endurance gains were not hampered
in any way by doing both
activities concurrently. If you
happen to be training at home
with some Powerblocks and then
finish off by getting aboard the
stationery bike for five, 10, 20
minutes or whatever, then your
body will not be ‘confused’ by this
in any way.
Indeed, the Swedish and Canadian
researchers suggested
doing both might even lead to a
better long-term result that doing
just one or the other on a specific
day.
The bottom line is that if you
happen to be in the mood or in a
position to spend, say, 15 minutes
going for a three-kilometre run
and then you feel fresh enough
to do another 15-20 minutes of
weights, then go for it.
If you’d still prefer to do just
one or the other on different days,
then that’s fine as well.
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UNDERSTANDING THE STOCK
In our previous article to
understanding the world’s
stock markets we looked
at what happens to share
prices when a company
reports its earnings and
other business particulars
including forward outlook.
Yet there are other
things that can make share
prices move and one of
these is the direction and
level of interest rates.
CURRENT
INTEREST
RATES
Interest rates across
the globe and certainly in
the U.S., U.K.,
Germany, Japan and most
developed countries are
at all time lows of around
zero per cent, and have
been for a very long time.
Indeed people born into
the current generation can
hardly remember a time
when interest rates were
above four or five per cent,
and even that level is considered
low by historical
standards.
But there have been
times in the not too distant
past when the norm
has been above that, with
rates often bouncing between
5 and 8 percent occasionally
reaching
double
digits.
Interest
rates
are usually
hiked at
times when
there is inflation
to
offset the
losses of
holding depreciating
cash. This
helps to
bolster confidence
in
the currency
and stops
runaway
or hyperinflation.
The opposite scenario
is deflation where money
retains its spending power
and prices actually drop.
This can be seen as an
equally strong but opposite
negative to hyperinflation.
Japan is a good example
of an economy that has
been battling deflation for
decades. The answer is to
bring interest rates to very
low levels and also to print
more money. A lack of inflation
has also been evident
in most other developed
countries and similar
techniques have been employed.
Low interest rates make
holding cash a losing proposition
and so most people
turn to stocks where they
can borrow a lot of money
cheaply and can get a real
return from dividends that
are higher than the prevailing
interest rate.
This has the effect of inflating
stock prices to very
expensive levels, but as
long as the interest rates
stay low the high stock
prices can be maintained.

MARKETS – INTEREST RATES
FUTURE
INTEREST
RATES
However, the party could
well end at some time. The
probability of inflation returning
when aggressive
monetary easing policies
are in force is high.
Thus markets are very
keen to know when the easy
money will stop flowing. In
the U.S. every word of the
Federal Reserve Chairman’s
monthly review is
carefully judged and stocks
can move quite sharply
one way or the other depending
on the monetary
stance of the central bank.
Currently, the Federal
Reserve seems keen not to
take away the punch bowl,
but the longer it waits, then
potentially the larger the
bubble will be, and it may
burst in spectacular fashion.
History repeats itself almost
every generation. One experienced
and older trader
remarked that the game was
the same, just played by different
people.
Since stock prices are effectively
discounting future
events, then any news
about interest rates is keenly
watched. The U.S. Federal
Reserve has stated that it
is waiting to see full employment
(whatever that means)
and sustained higher average
inflation before ending
its zero percent interest rate
policy and moving interest
rates higher, potentially
back to historical norms.
Thus you can certainly
see stock prices in the U.S.
and elsewhere move when
news releases pertaining to
the Federal Reserve’s mandate
come out. These may
be measures of inflation
such as the Consumer Price
Index, Purchaser Managers
Index, or Producer Price Index.
Or it could be employment
data as reported by the
monthly Non Farm Payrolls
release and the weekly initial
jobless claims numbers.
Movements of stock prices
can be quite sharp and
these may have nothing to
do with a particular company’s
activities, but more to
do with the outlook for interest
rates.
Some traders consider
stock prices to be very expensive,
but others argue
that compared to the zero
percent return on cash even
modest dividends make
stocks a good investment.
So far the latter group
has been proved correct
with expensive stock prices
going up and up and up and
simply becoming even more
expensive.
The concern for some
however, is that if inflation
starts to ramp up suddenly
and persistently, it could
present the stock markets
with a problem going forward.
If interest rates rise in response,
then the return on
cash will be more appealing
and stable than the dividend
return on stocks and stock
prices will likely start to fall.
Typically stock markets
double every 20 years. But
there have been plenty of
exceptions.
Japans stock market was
trading at around 40,000
points in the mid 1980s. It
fell to 8,000 points 20 years
later and even today, nearly
40 years since the peak
the market, it has not yet
exceeded its 1980’s high,
standing at around 28,000
points.
In Thailand the market
hit its high in 1998 and is
still down some 20 per cent
from that high even today in
2021.
Yet In the U.S. stock markets
have almost tripled in
less than 10 years.
All this means that although
you can size up an
individual company for its
business outlook, other factors
are at play.
It is worth keeping an eye
on the interest rate outlook
since the next move could
be a surprise one.

BUSINESS SUPPLEMENT
SUDOKU
These Sudoku puzzles are pitched at a middle level: not too easy,
and not too frustratingly hard, for the average person.
7 6
9
2
6
1
1
9
5
1
4
7
9
3
5
5
6
1
7
8
5
4
2 3
2
7
9
3
8 2
4
3
6
5
6
7
9
3
7
5
9
6
2 4
1
7
8
5
7 6 8
5 9 1
2 3 4
8 1 2
6 7 3
9 4 5
3 8 9
1 5 6
4 2 7
7 3 6
9 8 4
2 5 1
3 6 2
5 1 7
8 4 9
1 7 5
6 9 8
4 2 3
4 1 3
7 2 8
5 6 9
9 4 5
2 8 1
6 3 7
1 7 4
8 9 2
3 5 6
9 2 5
1 7 6
3 8 4
8 5 1
2 4 9
7 6 3
6 3 2
4 1 7
5 9 8
5 9 2
3 4 6
1 7 8
7 6 3
9 5 4
2 8 1
6 2 5
4 3 7
8 1 9
1 4 8
5 3 2
6 7 9
4 9 7
8 6 3
2 5 1
9 8 4
3 2 5
7 1 6
We will publish the solutions in next month’s issue.
CROSSWORD
Last months sudoku answers
TRIVIA Quiz
ACROSS
3/ Pleasant (4)
5/ Impartial (4)
8/ Sharp pain (6)
10/ Consume food (3)
12/ Diffident (5)
13/ Occupational Health & Safety init. (3)
14/ Show purpose (6)
3 4
DOWN
1/ Innate (8)
2/ Elizabeth Regina (2)
4/ Domesticated feline (3)
6/ Difference of opinion (8)
7/ Presents (5)
9/ Byword (5)
11/ average-sized conurbation (4)
1 2
8
7
5
6
9
1. The two battles of Manassas Junction in the US Civil War are better
known by what name?
2. In what year did East Pakistan become independent and change its
name to Bangladesh?
3. Two English kings have never been crowned in Westminster Abbey
since William the Conqueror. Which two?
4. Aristotle was the tutor to which famous ruler?
5. Which Greek city is often called the birthplace of democracy?
6. The Peloponnesian War was fought from 431 to 404BC between which
two Greek states?
7. Who is generally accepted as the chief author of the American Declaration
of Independence?
8. Who was George W. Bush’s first Secretary of State?
9. Which US Supreme Court justice headed the investigation into the
assassination of president John Kennedy?
10. To which country was General Douglas MacArthur referring to when
he said “I shall return”?
10 11
12
13
1. Battles of Bull Run 2. 1971 3. Edward V & Edward VIII 4. Alexander the Great 5. Athens 6.
Athens and Sparta 7. Thomas Jefferson 8. Colin Powell 9. Earl Warren 10. The Philippines
Answers:
14
CROSSWORD ANSWERS
ACROSS 3/Nice 5/Fair 8/Twinge 10/Eat 12/Timid 13/OHS 14/Intent
DOWN 1/Inherent 2/ER 4/Cat 6/Argument 7/Gifts 9/Adage 11/Town
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*The Pattaya & Bangkok Business Supplements are published by High Tower Co., Ltd.

ASIAN MEDICAL STUDENTS CELEBRATE
SECURING US RESIDENCY
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and seven-year Doctor of Medicine (MD)
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Founded in 1976 with the goal of programs with entry points available for
to begin their residency posi-
drawing the best talent and practices students from any education system
tions at prestigious US medical hospitals
from around the world, St. George’s Uni-
around the world. SGU has a large net-
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versity (SGU) has become a leading cenwork
of 70+ affiliated hospitals and health
The students will make an undeniable Elite Ultimate Privilege Elite Family Elite ter for Privilege academic excellence Elite Family worldwide. Elite centers Familyin the Elite US and Easy UK and Elite also Superiority
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In 2021, more than 1,080 SGU
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graduates in all corners of the US and
choice in Caribbean medical the world,” said Dr. G. Only Richard to immidiate Olds, Family
Membership schools, has evolved Transfer into a top center President 1 Time of SGU. “The 1 impact Time that
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over 18,000 physicians to the global of make—on Prevailing Ratepatients, their of families, Prevailing Rate and
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graduates, and faculty from over 150
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countries. SGU graduates have practiced
Every healthcare system and pa-
in every state in the US, as well Not less tient then population 20 years is slightly Any different. Age
Any Any Any Any Any
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SGU recognizes these differences
VisaAccording to a recent report from 5 Years matter, - Renewable so students 5 can Years choose - Renewable to 5 Years - Renewable
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the Federation of State Medical Boards complete clinical rotations in one of
Airport (FSMB), Service/EPA
11,627 SGU graduates were
licensed to practice medicine in the US
over Yes 70 affiliated hospitals and Yes health
centers in the US and the UK.
Yes Yes Yes Yes Yes
Airport in 2019, Lounge making it the largest source of
doctors for the entire US workforce—
“We Yes are proud of the impact Yes that
our graduates have had in the US and
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18 Times/Calendar Year 4 Times/Calendar Year
Short ahead Haul of any Transfer other US Service or international around the world,” said Dr. Richard Liebowitz,
vice-chancellor of SGU. “As a
Calendar Year
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application. During my 24 Times/Calendar For SGU, Yearallowing flexibility for
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Annual Health who Check turned out to be SGU 1 Times/Calendar system around Year the world. None Students
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